This concerns a settlement agreement between Citibank and me on XXXX XXXX, 2015 for the Best Buy Master Card ending in XXXX. I had a balance of {$440.00}. CitiCards/Citibank agreed to the settlement amount of {$280.00} to be paid by XXXX/XXXX/15. I was told that if I needed to make changes to the original scheduled payment on XXXX XXXX, it would not interfere with the agreed amount settled and the account would not be a charge-off. I called before the XXXX/XXXX/15 to change the payment lump sum into ( XXXX ) installment payments of {$95.00} to be paid with 1-month. I was reassured from the customer representative that this account would not be a charge-off and would show as being paid in full in my credit reports. I requested that this new payment schedule be in writing. I never did receive a letter of confirmation. I called again to request a confirmation letter and was told that I did not need to worry that my account would be updated after the last payment of {$95.00} was received. 

Here is the schedule of when the payments were taken out of my checking account:XXXX - check # XXXX - $ XXXX - check # XXXX - $ XXXX - check # XXXX - $ XXXXTotal : $ XXXXWhen I called Citicards on XXXX/XXXX/15, I was told that the account was indeed charged-off and the settlement agreement was cancelled because I did not make the payments within the payment cycle. 
I feel that I was given the incorrect information on how to appropriately handle the payment plan that I agreed to. 
Please advise if this account is indeed settled with no more collection activity and not charged-off as I was told. I want to make sure that this account will not show up with the XXXX credit bureaus as being a charge-off. 

I have called the XXXX Department at XXXX several times and none of the customer service representatives can not seem to answer my questions and concerns. 

I have checked my credit reports with the XXXX bureaus and indeed have found that Citicards/Citibank has reported this as a charge-off. 

I was contacted by a collection agency about the remaining balance of {$150.00} that Citicards removed due to the settlement. 

I feel that I was informed by CitiCards/Citibank in regards to my settlement. 

I 've attached the letter confirming the settlement between Citibank and me, the letter I sent them about the charge-off concern and the letter from the collection agency.