Consumer complaint received 2022-02-04
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I opened a credit card account with Citi in early XXXX ( " Citi XXXX '' ). I was in absolute perfect standing with the card for numerous years as I am with all my credit cards. There was never a late payment, adverse event, or any other financial issue whatsoever. In XXXX of XXXX, Citi turned off my AutoPay feature, without informing me and without my knowledge. This resulted in late payments, as I had set everything up to pay automatically. This AutoPay feature had been active on the account for numerous years prior and payments were always made on time without exception. Citi acknowledged that they turned off the AutoPay. Subsequently, additional latefees and interest began accumulating on the account. Due to Citi turning off the AutoPay without my consent and without informing me, the card balance went unpaid. Citi then forcibly closed my account, XXXX the credit card and sent derogatory late payment notices to the credit reporting agencies in a truly malicious manner. Numerous calls were made to Citi in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and on numerous occasions from XX/XX/XXXX to XX/XX/XXXX, and several more since then, to try to rectify the issue to no avail - they have not been helpful or properly responsive whatsoever. In addition, they have ignored letters sent to them. 
I have made every effort possible to try to rectify this issue with this firm and their behavior has been truly unprofessional. As the account is now closed, when I attempt to call and speak to someone in regards to my concerns, I am connected to various call centers internationally, and nothing is able to be accomplished or addressed satisfactorily in regards to my issue. This company has done tremendous damage to my credit score, a score that was near perfect prior to this issue with Citi. Due to their own fault, they have willfully and maliciously affected my credit score that I worked diligently for years and years towards maintaining at a high level. Citi is the only credit card that I have ever had any issue with and the only poor mark on my credit report. I sincerely believe their behavior is unfair, hostile, and predatory. In addition, I felt there were significant offensive XXXX undertones and comments in the conversation with the Citi employee when I initially called them in regards to this issue. They showed absolutely no interest in providing an explanation for what happened and why they have caused so much damage to my personal finance profile. 

My objective is to have these late payments removed from my credit reports as they have caused significant issues. Despite this horrible and unprofessional treatment by Citi, I have continued to diligently and responsibly pay my monthly credit card bill, for the remaining balance on an account that is now closed due to Citi 's actions. I would like to come to a resolution with this firm in regards to removing the late payment notices to the credit bureaus. 

Importantly, here are the dates. I would like these late payments to be removed from the credit report. Citi reported the following late payments to the credit bureaus : XX/XX/XXXX - XXXX days late XX/XX/XXXX - XXXX days late XXXX XXXX - XXXX days late XX/XX/XXXX - XXXX days late XX/XX/XXXX - XXXX days late

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