Consumer complaint received 2019-03-01
Company: CITIBANK, N.A.
State: NY
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:
Dear Sir/Madam : Recently, Bloomingdales reported a 30 day LATE PAYMENT to all Credit Bureaus stating that I was late 30 days. I never received an email statement nor a paper statement telling me that there was a {$82.00} balance due and I have several accounts and I keep track of all the accounts and make timely payments as I receive statements. My credit score has always been about 785 FICO with the 3 Credit reporting Agencies. Today, my credit score dropped to XXXX due to the fact that BLOOMINGDALES CREDIT reported 30 days LATE Payment to the Bureaus. I immediately contacted the Bloomingdales Credit Department and after waiting ror over 45 minutes being on hold, I was able to speak to Ms. XXXX in Bloomingdales Credit Department I explained the entire situation to her that I never received a statement via email for the past 2 months which I always receive on a monthly basis and I requested that the 30 day past due late payment reported to the credit bureaus be removed and show as being current since it is not my fault that I never received a statement from Bloomingdales and how can I be held responsible. 

The only was I found out that my payment was past due was because I received a phone call from Bloomingdales Customer Service after 2 months letting me know to call Bloomingdales for an important business matter and when I called Bloomingdales Customer Service, I immediately made the payment of {$44.00} and Customer Servicve removed the {$38.00} late fee on the account which brought the balance down to {$0.00}. Since I was on the recorded line with Bloomingdales and they informed me in the beginning of the phone call that all calls may be monitored for quality assurance purposes, I was told by the Bloomingdales Customer Service that there would be no negative reporting to any credit bureaus and I am sure that conversation was recorded on the Bloomingdales phone line since they record calls like the rest of the companies for quality assurance reasons. 

I even requested to speak to a Bloomingdales Credit Department Supervisor and she even refused to assist me in this matter. I explained to her that it was Bloomingdales fault that I had not received statements from them for the past 2 months and she was another rude person just trying to state the facts the the negative reporting would not be removed. I have no where to go to but to come here and pleasd to your organization. 

I recently applied fr a new mortgage application and my mortgage loan wold be denied if they see that there is a recent 30 day late payment on my credit bureaus from Bloomingdales. I have an excellent record and my credit score has always been above 780. I am requesting that Bloomingdales be contacted and that I receive assistance in getting the 30 day late payment record removed from all 3 credit reporting agencies. 

Thank you XXXX XXXX XXXX ( Cell )

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