Consumer complaint received 2018-08-21
Company: CITIBANK, N.A.
State: SD
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:
As of late XX/XX/2018, Citibank continues to report a balance to credit agencies on my account ( {$50.00} ), even though the account was paid in full ( final payment on a closed account ) as indicated in the confirmation number below provided by Citibank in the amount of {$50.00} paid on the date given below ( XX/XX/2018 -- clearing the bank several days prior to the due date of XX/XX/2018 ). ( Current balance online shows XXXX balance, so credit reporting should indicate the same. ) XX/XX/2018 XXXX XXXX Credited {$50.00} UNABLE to confirm the actual crediting of the payment, since Citibank never processed any more statements for me beyond the XX/XX/2018 due payment. ( Enclosed the last statement issued by Citibank, generated on XX/XX/2018. NOTE the credit limit was {$24000.00} on the closed account. NOTE the limit on the closed account is now reported as {$0.00}, thus giving creditors no idea what kind of credit limit I had been operating under when they look at my payment history on this closed account. ) Further, I am unable to report this inconsistency directly to Citibank because Citibank closed my account many years ago ( during the banking financial crisis, where my account was closed without reason, but left me with a balance to pay off on a closed account. ) Because technically I don't have an account with Citibank ( account closed ) they don't allow me to have 'normal ' customer service relations in order to report anomalies with my account. ( Notice the XXXX document attached which shows online help available, yet is not available to me - because of my account status as closed? Also, even though I send a confidential email, there isn't a record that it was actually sent, so unknown if there would be any response on my closed account -- hasn't been in the past. ) Further, Citibank has been reporting on my credit report for years that I was the one who closed my account. I never requested my account be closed, Citibank closed my account for their own reasons that had nothing to do with my payments ( never late ) and I certainly never requested my account be closed and communications over the years have indicated Citibank is not willing to reopen my account ( I am no longer interested in arguing with them to change their mind. ) A message stating that I did make a request to close my account no longer appears on my credit report, making it appear that I was the one who requested my account be closed with a remaining balance. 

Further, my final payment was made effective on XX/XX/2018 on the 'closed account ' yet Citibank continues to hit my credit report with additional company credit checks beyond XX/XX/2018. There is no reason for this company to continue checking my credit worthiness as we no longer have a business relationship and I did not authorize them to continue accessing my credit worthiness beyond the time period that I still had a balance on their closed account. 

Description of attached documents : XXXX - to show that while for other customers 'online help ' is available, it isn't available for me ( probably because my account has been closed for more than 10 years? ) XXXX - to show that in fact my current account balance is {$0.00} on a closed account. 

XXXX - to show that in fact Citibank considers my account to be closed and my credit limit is {$0.00} ( changed from {$24000.00} ). 

XXXX - to show that Citibank failed XXXX provide a final account closing statement when my final payment was made. The last statement available was for the statement closing XX/XX/2018. There was never a XX/XX/2018 statement generated on my account, thus no record of a final payment made by me was generated in a final statement ( even though the payment and confirmation is enclosed above, showing a payment made on XX/XX/2018 ). 

XXXX - to show that my XXXX statement showed that my reported previous credit limit was {$24000.00} while making payments on the closed account, was changed to {$0.00} credit limit on the closed account after the account was paid in full. 

XXXX - a full copy of my last available billing statement for period ending XX/XX/2018, and issued on XX/XX/2018.

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