In XXXX of 2015, I receive a telephone call from Citibank to remind me that my student loan is a few days past due so I went online and made a payment. I recall the representative indicated that I should setup the automatic payment so I went to the website and downloaded the auto debit form and sent it in and thinking I 'm set and would not have to bother to login and pay it every month. In XXXX 2015, I received a letter from Citibank indicating that I 'm now XXXX days past due on my student loan and Citibank have reported the late to the XXXX credit bureaus. I scrambled to go online and immediately paid the balance due and request for a copy of my credit report. It in fact shows that my credit scores dropped almost XXXX points which I had from excellent down to good credit. I called Citibank to inquire why there was no emails, letter, or even a telephone call to indicate that I 'm past due on my student loan. XXXX rep told me oh " oh record indicate that we did not notify you '' and then transfer me to another rep when I asked to file a complaint. The XXXX rep said " yes, you were notify of the late '' and I asked him how was I notified. At first he could n't say and then said " we mailed you a letter. '' I have never received an email, a phone call, nor a letter in the mail which I 've often do as soon as my payment is even one day past the due date.