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  1. One thing I just remembered which might (or might not) be helpful to others reading this: The Citi Executive Response representative I spoke with was incredibly polite, sympathetic, and acknowledged a big mistake was made by the Citi rep on the 3/24 call, as well as poor communication from the reps I spoke with after. At some point during our call - when I realized Citi was not going to budge on opening the account - I asked for a goodwill adjustment, considering the mistakes Citi admittedly made. She told me Citibank policy has changed and they are NO-LONGER making goodwill adjustments a
  2. @cv91915 You are correct! I should have picked up the phone and called them, the situation would have been much better. Thanks for your well-wishes.
  3. @centex Thanks for responding! From September thru March I was aware of the balance (believe me, it was weighing heavily on me), I was not aware the account had been closed. As I mentioned in another reply - my biggest hang-up is that on the 3/24 call a representative whether by mistake or intentionally mislead me. Had they not, I still would have made a payment and honored my obligation to Citi - I just would have scheduled the payments differently and allocated some of the funds that went to Citi elsewhere.
  4. @hdporter Thanks for your comment. The closure definitely happened prior to the 3/24 phone call. I can definitely see things from Citi's POV. I guess what I'm hung-up on is the assurances made on the 3/24 call - assurances that were confirmed made to me on said call by the Executive Response representative that reviewed all my calls. Thanks for giving me hope re. ability to open a new account 6 - 12 mo down the road!
  5. Thanks @brainchasm the goal with keeping the card open was not miles, and more about putting ourselves in a better position to dig out from this mess we created.
  6. @CTSoxFan appreciate the response and sorry for the delay. Agreed. 100% I acknowledge the debt. I also know I went into that initial 3/24 call with Citibank totally at fault and in debt to them. My problem is with what occurred on the call and the assurances made - Account in good standing, Open, Useable/active card - I made multiple payments based on said assurances. Re. opening and closing account 3 months later - you are right that wouldn't have been any different. Having the account open and active would have just made it easier to dig-out and rebuild credit.
  7. Please excuse the lengthy post... hopefully you guys can give us some guidance regarding an issue with Citibank and our Citi AAdvantage Platinum Select World Elite Mastercard. Here is the situation: Citi AAdvantage Platinum Select World Elite Mastercard We had a Credit Limit of $9,000.00 On 9/23/2020 we made an electronic payment of $5,000.00. Due to financial complications resulting from the COVID-19 pandemic the payment of $5,000.00 was returned. At no point were we informed by Citibank that the aforementioned credit card was closed. However w
  8. UPDATE - Hopefully my situation is helpful to others going through this process. I ended up speaking with the doctor's (OC) nurse/assistant, we hit it off and she poked around for me. She confirmed the doctor recalled our verbal agreement to charge me $200 for the appointment. In addition she confirmed the doctor called the CA authorizing them to accept the $200 and delete/remove from my credit report. She also said the doctor works with this particular CA and he's not a bad guy. I was hesitant but decided to call the CA. CA confirmed he spoke with the doctor, would a
  9. Sorry to spam you @Why Chat. Literally just after posting the above I got the below email from the CA - they must have got my email either from the OC (doctor) or CRA (Experian). Xxxxx, Call me when you have a chance concerning your online dispute and our discussion from the other day. I heard from Dr. Xxxxxx so we can clarify and get this wrapped up. Thanks. Should I call him? respo
  10. @Why Chat and everyone else, here is the latest - I really hope I didn't screw things up. 1. As I stated in my first post: I opted out Mailed the CRA (Experian) the HIPAA dispute letter - printed directly from @Why Chat's site on paper with blue sky + cloud background, handwritten in blue ink, sent via priority mail proof of delivery only. 2. This is where I might have screwed things: I signed up for Experian Credit Works - I've been working on some other baddies as well as paying down credit card debt - and wanted a way to monitor results daily. FYI - I
  11. @Why Chat Sorry to keep leaning on you. Based on the above info, would there be anyway to have this removed from our credit reports using your process? We are located in California. Thanks in advance!
  12. Understood. Really appreciate the guidance. I'll revert back with updates.
  13. Thanks for responding! @Why Chat. Not sure this matters, but just to clarify... 1. I called the doctors billing office and explained the verbal agreement. They said I need to talk to the doctor or the CA - they provided me with the CA's contact info. 2. I emailed the doctor. No response yet. 3. I did NOT call the CA, they called me today and I happened to answer. All I said was that the amount was incorrect and that I would be talking to the doctor. Did I screw anything up? Unless you advise otherwise, I'll hold my horses, follow your advice and let the process
  14. Hi all I have a medical/doctors bill for $1,400.00 from April 2019 that is showing only on my Experian Credit Report. The "Account Name" is showing as a CA. The "Original Creditor" is showing as the doctor. I've followed @Why Chat's guide; opted out, checked addresses, and sent the pre HIPAA Dispute Letter to the reporting CRA - I'm showing it was received on 4/16/2021. So far I've received nothing from the CRA - I know it's a bit early. Here is where I could use some advice/guidance: While the OC bill is valid it is incorrect. I was very sick at the time of servic
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