Consumer complaint received 2020-03-10
Company: CITIBANK, N.A.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Since my complaint on XX/XX/XXXX below so many things have taken place. The things that changed are listed below : 1. Home Depot and Best Buy continue deceptive marketing of CITI Bank Credit card financing by saying that the financing be it 6 months, 12 months, 18 months or 24 months is NO INTEREST AND NO PAYMENT. I confirmed this as late as this month and when I probed the sales representative he told me that you are only required to pay a minimal amount. 

2. The charge on the closed Home Depot Card was actually for my Kitchen project but I was told that THE FINANCING WAS FOR 6 MONTHS NO INTEREST AND NO PAYMENT. 

3. UNFORTUNATELY FOR ME, THIS PROJECT WAS COMPLETED IN XX/XX/XXXX, AND THIS MONTH WAS THE TIME, MY ONLY SISTER AND FAMILY MEMBER LIVING WITH ME WAS DIAGNOSED WITH XXXX  XXXX XXXX XXXX. WITH THE DECEPTIVE INFORMATION PROVIDED BY HOME DEPOT, ( PROGRAMMING MYSELF TO PAY THE CHARGE OFF BY SIX MONTHS ), AND RUNNING AROUND TO SAVE MY SISTER 'S, CITI BANK CONTINUED TO PILE DELINQUENT CHARGES ON THAT CARD. MY SISTER FINALLY LOST THE FIGHT FOR HER LIVE IN XXXX OF XXXX. 

4. THE SAME THING THAT HAPPENED IN XXXX WITH MY HOME DEPOT CITI BANK CARD ( DECEPTIVE 18 MONTHS NO INTEREST AND NO PAYMENT PROMOTIONAL FINANCING ) HAPPENED AGAIN IN XX/XX/XXXX AND XX/XX/XXXX WITH MY BEST BUY CITI BANK AND HOME DEPOT CITI BANK CREDIT CARDS. THE  DIFFERENCE THIS TIME WAS THAT I WAS NOT CAUGHT UP IN TRYING TO SAVE MY SISTER 'S LIVE AND SECONDLY I FILLED FOR A BUSINESS LINE OF CREDIT, WHICH BROUGHT OUGHT THE DELINQUENT REPORTINGS IN MY CREDIT REPPORT. I HAVE SINCE PAID OFF ALL THE BALANCE IN THE HOME DEPOT CITI BANK CARD AND SET UP A RECURRING MONTHLY PAYMENTS TO THE BEST BUY CITI BANK CARD.

5. NON OF THESE DELINQUENT CHARGES WOULD HAVE NOT OCCURED IF HOME DEPOT CITI BANK SALES REPRESENTATIVE DID NOT USE DECEPTIVE MARKETING OF " NO INTEREST AND NO PAYMENT FINANCING '' TO LURE ME TO CHARGE THAT AMOUNT ON THE CARD. 

6. I ALSO REALIZED THAT THOSE DELIQUENT REPORTING WERE IN MY ; XX/XX/XXXX, XX/XX/XXXXANG XX/XX/XXXX CREDIT REPORTS. 

I HEREBY SOUGHT YOUR ASSISTANCE THROUGH THE ABOVE CREDIT REPORTING AGENCIES TO PURGE ALL DELINQUENT REPORTING ON DATES LISTED IN MY XX/XX/XXXX COMPLAINT FROM MY CREDIT REPORT XX/XX/XXXX, XX/XX/XXXXAND XX/XX/XXXX ). 

I WILL ALSO URGE CFPB, TO CENSURE HOME DEPOT AND CITI BANK AGAINST FUTURE DECEPTIVE PROMOTIONAL FINANCING Complaint Filled on XXXXis listed below : Good afternoon, My name is XXXX XXXX and I reside in XXXX XXXX XXXX, XXXX XXXX, MN XXXX. Email address and telephone number are : XXXX and XXXX respectively. My complaints are with Citi Bank Credit Card ( Through Home Depot ) and another Citi Bank Credit Card ( Through Best Buy ). Citi Bank Credit Card ( Through Home Depot ) AC # : XXXX ; In XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Citi Bank wrongly placed late payments on my credit reports. I was never away that such information was on my credit report because they were wrong. I happened to apply for line of credit and I was informed of the late payments that was reported in my credit report. They told me that I can obtain a free copy of my credit report. When I did, I discovered that the reporting was through Home Depot who  recently closed that account without notifying me. All the projects I had had with Home Depot in the past was always 24 months, NO INTEREST and NO PAYMENTS and usually I set up a recurring payments from my bank to take care of all the payments before the 24 months due date. I contacted Home Depot credit card who identified themselves as Citi Bank. I immediately informed them of the incorrect reporting by them on my credit report, they offered to send me copies of the invoices because prior to that those invoices were never sent to me. At the time of that request Citi Bank was operation two cards with  Home Depot under my name but shortly after the call, they now refer to that account as closed but no reason was provided to me as to why it was closed and when that took place because as of XX/XX/XXXX, I made purchases at Home Depot with the card. When I finally got the invoices, I contacted Citi Bank to let them know that the information they have on my credit report was wrong and that they should remove those from my report but they said I should contact the credit bureau to have them remove that. I again contacted them today, after noticing the same pattern with a recent transaction with my Best Buy, Citi Bank credit card. This time they told me the account is closed that they will not adjust their reporting. Please this looks like fraud by Citi Bank because the same thing is happening with my Best Buy credit card managed by Citi Bank. On both occasions I was offered 24 months and 18 Months No Interest and No payments. On both occasions my invoices were never mailed and both occasions involved closing my old accounts without notification and sending me new credits cards. Below is what happened with my Best Buy credit card. Best Buy Credit Card ( Through Citi Bank ) Ac # : XXXX : In XX/XX/XXXX, I purchased a television from Best Buy and I was told that I was getting 18 months No Interest and No Payment for the purchase. Shortly after that, I received a credit card from Best Buy and since I had a credit card from Best Buy like Home Depot, I did not activate the card. Meanwhile in I set up a  recurring payment to take care of the purchase cost before the 18 months. Suddenly, I started receiving voice mail to go online and review my City Bank - Best Buy credit card. That sounded  strange because the message never mentioned payment due and as long as I know the purchase was No Interest and No payments and more over I have not received any invoice from Best Buy or Citi Bank regarding my purchase. It wasn't until I realized what Citi Bank did to my credit report that I decided to contact them, To my surprise when I contacted them they said my account was overdue and was under collection. At this point I have sent {$200.00} to my Best Buy account which I thought was still current. I told them that they do not know what they are talking about, first I reminded them that my purchase was 18 months No Interest and No Payment and the account can not be overdue. Secondly, I reminded them that I sent {$200.00} to them and another payment of {$200.00} was scheduled to be made by my bank of XX/XX/XXXX. They said they did not receive anything and was trying to get me to make a payment of {$100.00}. At that time I thought I was speaking with fraudsters so I hung up. I then went back to the new card Best Buy sent me which was not activated and called the customer service number listed on that card. When the representative came I narrated everything that has taken place and she said that the purchase was set up for No Interest but monthly payments were required. Then I asked her why they have not sent me any invoice since that purchase, but she could not answer that question. When I enquired about the {$200.00} I sent, she said that they have not received anything from me. At that time I had the information where the {$200.00} was sent in front of me, and that was how I found out that the account like Home Depot credit card was also closed and that the card that was sent to me was my new account. I asked her whether she has access to the old account and she put me on hold and when she came back she said that the {$200.00} was in that old account. It was then that I realized that Citi Bank had accessed two late payment of thirty something dollars the new account. The only thing they told me was that they are sorry that they will wave one of the late payments now and asked me to call them back in XXXX to wave the other one, the reason I was meant to wait to wave the late charge due to their error beats me. As we speak I have not received a single invoice on my Best Buy Citi Bank credit card. THIS CLEARLY LOOKS LIKE FRAUD BY CITY BANK. 1. They first offered No Interest and No Payment before purchase, then they turn around and start charging people late charges and putting ridiculous comments on peoples credit reports and if you are lucky you will detect it on time and sometimes pay additional money to clear your records. PLEASE I NEED YOUR HELP TO ADDRESS THESE FRAUDULENT ACTIVITIES.

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