Rocshae sent a message to Michael L. Corbat CEO, Citigroup Inc. that said:
I am writing to you today regarding our account The SSN# for Brian is and Rocshae . The purpose of my correspondence is to see if you would be willing to make a "goodwill" adjustment on the reporting of this account to the three credit agencies.
During the time period this account was established (2011) we have been very happy with the service, we however were not the ideal customer and made a mistake with the handling of our account. Prior to this occurrence we had never missed a payment or paid late. We had not used this account in several months and began to make purchases in April 2015. I did not know at the time but the bill came as an e-mail to my work address. I however did not receive the e-mails since they were going to my junk mail folder. During this timeframe we were in the middle of relocating from Wise, Virginia to Philadelphia, Pennsylvania for a government transfer of duty station. With all of the chaos going on around us preparing for a very big move I did not realize that I had not received my bill and failed to make my payment on time. I understand that this is my responsibility and my fault. We should have kept better records regarding the account and we take full responsibility. I became aware of the missed payment when I was contacted by phone on June 11, 2015. I immediately paid $339.99 which I was told would bring my account up to date. I did not know however that we would have a 30 day late reported on our credit report. We became aware of the 30 day late remark when we got a copy of our credit report on July 29, 2015 while we were attempting to apply for a mortgage loan. At this point we have been denied a mortgage loan on the basis of our late payment to you which again was a complete oversight on our part. Please note that we have approximately 29 accounts on our credit report with a clean history and no late payments.
We know that payment was our responsibility and we are not attempting to justify this breach of our user agreement, we are however hoping you might review the circumstances under which this non-payment occurred and consider removing the negative trade line associated with this account from our three credit reports.
As soon as we became aware of the past due balance, we paid Citi the past due balance in full. We have since set up automatic payments to prevent this from happening in the future. We provide this information not to justify why the account was unpaid, but rather to show that the issue with the late payment is not a good indicator of our actual credit worthiness. I hope that Citi Bank is willing to work with us on erasing this late payment from our credit reports.
We would like to STRESS that the information currently being reported IS accurate, (We are not disputing anything with Citi Bank). We are humbly asking Citi Bank for a courtesy gesture of goodwill in having the credit bureaus remove this line item from our report. We do recognize that this request is unique and that it may not be Citi Banks normal policy. Please consider that the Fair Credit Reporting Act does not demand that all accounts be reported, only that any account that is reported be reported accurately. Therefore, a company does have legal discretion and permission to remove any account it chooses from the credit report. We are hoping that Citi Bank will do that in our case for this account. I look forward to hearing your positive response in the near future.
Your kind consideration in this matter is greatly appreciated.