Consumer complaint received 2023-05-17
Company: CITIBANK, N.A.
State: RI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/XXXX XXXX writing to you today to dispute the Negative score to my credit. It shows that I have XXXX late payments. I never made any payments so this is a complete lie. I had been dealing with this issue since XXXX XXXX. On XXXX XX/XX/XXXX on finally received the funds from XXXX to pay off my account to them. Attach is a copy of the check I sent to them for final payoff. The balance transfer fee was waived by Citicards so my balance owe is XXXX. Below is a summary of all correspondence with Citicards and XXXX XXXX. You may reach out to the contacts from XXXX XXXX  to verify this incident. 
I filed a XXXX transfer online with CITI cards. The amount was for {$7700.00} to be transferred to the consumer 's XXXX Bank account. However, the consumer accidentally gave them the wrong account number. The consumer had XXXX accounts and that one was closed. XXXX then sent back the funds to Citicard through a check in the mail on XXXX XXXX. The check was cashed/deposited on XXXX XXXX XXXX. The consumer has a copy of this check from XXXX. Citicard says they never cashed it but XXXX XXXX  says they did. Almost XXXX year later and the consumer can't get it fixed. Citicard has been sending the consumer bills and has ruined the consumer 's XXXX XXXX. The consumer never received any funds from them but still they request payment. 
Thanks. 
XXXX XXXX CITICARD BALANCE TRANSFER LEDGER CITI CARD # ( XXXX ) CITIZENS BANK # ( XXXX ) XXXX from XXXX. XXXX CASE # XXXX XXXX XXXX XXXX FAX : XXXX XXXX XXXX ( XXXX ) Supervisor Email : XXXX XXXX from XXXX XXXX ATTN : Payment Investigations XXXX from XXXX XXXX XXXX. CitiCard sent {$7700.00} to old XXXX account on XXXX XXXX XXXX XXXX. XXXX bank said it sent money back on the XXXX of XXXX and Check was cashed on XXXX XXXX XXXX CHECK INFO : CHK # XXXX DATED : XXXX XXXX, XXXX AMOUNT : {$7700.00} CASHED ON : XXXX XX/XX/XXXX. 
SENT TO : CITI BANK XXXX : XXXX XXXX XXXX XXXX Citi XXXX XXXX Bldg # XXXX, Floor XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX, XXXX : Called XXXX bank and talked to XXXX, She gave me all the check info for Citibank, called Citibank and was disconnected after requesting a second supervisor. 
XXXX. XXXX XXXX XXXX Talked to XXXX about a copy of the sent check to Citibank. Will get back to me in a few days. Then called Citibank and talked to XXXX and they required a copy of the check. 
XXXX. XXXX XXXX. XXXX, XXXX from XXXX called to inform me that the FAX # I gave her from Citibank isnt working. I told her I would try to get her the correct number. 
XXXX. XXXX XXXX, XXXX Called Citibank and talked to XXXX about wrong fax number. She gave me the correct number. I then called XXXX bank and left the fax number with XXXX. 
XXXX. XXXX XXXX, XXXX : Called Citibank talked to XXXX to verify if they received a copy of the cancelled check from XXXX Bank. They informed me that they need to look into it again. Need to Call next week. 
XXXX. XXXX XXXX, XXXX : Called Citibank talked to XXXX and then XXXX to verify if they received a copy of the cancelled check from XXXX Bank. They said they received the copy and are processing it now, will get back to me. 
XXXX. XXXX XXXX, XXXX. Called Citi again and explained what happen. They said they never received check and working on it. 
XXXX. XXXX XXXX, XXXX. Called Citi and talked to XXXX ( XXXX ) about closing account and he wanted me to send an email with a copy of the return check from XXXX Bank. Asked if someone can call me back the following week. No one ever called. 
XXXX. XXXX XXXX, XXXX. Received letter from Citi, stating that they never cash the check from XXXX Bank. Unbelievable. 
XXXX. XXXX XXXX, XXXX. Called and was put on hold and then was kicked off. Recalled and spoke to XXXX ( XXXX ). Same old feedback. Need copy of check again. Sent it today. 
XXXX. XXXX XXXX, XXXX. Finally reach someone higher at CitiBank. Talked to XXXX, she was very nice and explained what happened. She gave me her phone number and Email. She said to send her a copy of the cancelled check. And will get back to me on XXXX or Wednesday. Sent copy of check to email that she provided. 
XXXX. XXXX XXXX, XXXX. Called and left a message with XXXX. 
XXXX. XXXX XXXX. Talked to citizens bank and are going to request a back check of the money sent back to Citibank. 
XXXX. XXXX XXXX, XXXX. Received letter from XXXX. Letting me know they reached out to Citibank about this debt. 
XXXX. XXXX XXXX. Called and left message with XXXX from XXXX bank. 
XXXX. XXXX XXXX, XXXX. Called Citibank about payoff. No progress! 
XXXX. XXXX XXXX, XXXX. Called XXXX from XXXX and left message. 
XXXX. XXXX XXXX, XXXX. Called XXXX from XXXX and left message. 
XXXX. XXXX XXXX, XXXX. Called XXXX from XXXX and stated she still is waiting for a reply from Citibank. 
XXXX. XXXX XXXX, XXXX. Called XXXX from XXXX and left message. 
XXXX. XXXX XXXX, XXXX. Call the RI Attorney General XXXX and they referred me to XXXX. ( XXXX ). 
XXXX. Filed an Official Complaint with XXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX from Citibank called and said that the money was sent back to XXXX because it didnt have an accnt # XXXX. XXXX from citizens called and told me she talked to XXXX from Citibank and they discussed the money issue. She said it will take a week or so to find the money. She said she would call me bac. 
XXXX. XXXX XXXX, XXXX. Never got a return call from XXXX. Called today but no answer. Left message to call me. 
XXXX. Called on dec. XXXX and XXXX. Left message with XXXX at XXXX bank. 
XXXX. XXXX XXXX, XXXX. Called XXXX at XXXX and left message that no one will return my call. I said I will have to file a consumer complaint. Later that day I Received call from XXXX and XXXX on my voice mail. XXXX informed me that they sent back the XXXX check back to Citibank. She said she will call XXXX from Citibank and discuss the issue. 
XXXX. XXXX XXXX XXXX. Called XXXX bank and left message. 
XXXX. XXXX XXXX XXXX. Filled XXXX more complaints with CFPB against CitiCard and XXXX Bank. 
XXXX. Received call from XXXX from XXXX Bank XXXX about my complaint. I gave her the contact at Citi. 
XXXX. XXXX XXXX XXXX. Had another call with XXXX. They are going to try to reach out to Citi again. 
XXXX. XXXX XXXX XXXX. Finally received the funds from Citicards and sent payment of {$7700.00} XXXX. XXXX XXXX. XXXX. Citizens bank finally received/found the money from Citibank and sent a check for the {$7000.00} to them. 
XXXX. At no time did I make any payments to Citibank do to the fact I never received any transfer funds from them. My XXXX late payments should be removed from my XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation