Citibank has once again screwed up payments on my federal student loans. This makes the third time this year. It’s getting beyond frustrating. For some reason, their online system and their auto-debit system do not communicate with each other. This bugs me because every other creditor I deal with is able to link the two.

Right now, if I check my payment history online, it doesn’t show any of my auto-payments. And last month, because I made an extra payment online (even though I made it following all their rules) it decided not to take my full auto-payment this month.