Consumer complaint received 2020-10-16
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Re : Acct # XXXX XXXX XXXX XXXX To whom it may concern : I have been wrongfully handled and continuously given wrong information by Citibank. The information reporting to my credit profile is inaccurate, egregiously punitive and does nothing to paint the picture to demonstrate that Citibank /Citi cards is in error and violation of the federal Cares act laid out by congress .

Let me address the Cares Act first, due to the ordinance set in place by the federal government by way of the Cares Act the late payment reporting to my credit profile should have never been placed on my credit profile due to the Covid-19 pandemic. The ordinance clearly states that creditors should refrain from reporting any negative  information to consumers credit report after XX/XX/2020 until further notice. Citibank has disregarded this demand and with no regard for me or what is going on in the world ruined my credit profile. ( Please note this is clearly the type of thing that makes a long-standing customer/consumer consider their relationship with creditors ).

Secondly the reasons this late payment ( 1x30 day late in XX/XX/2020 ) should never have populated to my credit profile goes as follows : the balance on the account was not the by-product of a charge it derived from internal charges at Citibank ; Citibank had the wrong email and mailing address on file ( even after I updated my addresses several times ) therefore sending all statements to a place I never received them. These two infractions alone bear enough weight for Citibank to retract the derogatory information from my credit profile alone, however when you couple that with a federal mandate my hope is that Citibank will do the right thing and free me  from this credit nightmare. However, in case if this is not enough, allow me a moment to give an immediate history of the account. I have already verified the following history with Citi customer service representatives and as a result a refund of the late payment fees were accessed to my account. 

In XX/XX/2020 I had a credit of {$59.00}. This is not unlikely because I very rarely use the card. In XX/XX/2020 a charge from XXXX in the amount of {$72.00} was charged to the card because of the credit, the statement you sent to the wrong address stated no payment was due because you took the payment from the credit which left my account with a balance of {$12.00}. When the statement came due in XXXX of 2020 and I did not receive it again Citibank assessed late fees and interest to the account bringing the balance to {$39.00}. When XXXX payment went unpaid Citibank did the same thing it did in XXXX and XXXX with no alert and simply assessed another late fee along with interest to the account bringing the balance to {$110.00} and forwarded a statement to the wrong address and email. If it had not been for my mortgage broker pulling my credit profile in XXXX of 2020, I would have never been aware of the bill or the late payment appearing on my credit profile. Clearly you can understand my frustration, my credit has been compromised and I was never placed in a position by Citibank to keep this from happening. This late payment has made it nearly impossible for me to conduct business and finalize my real estate transaction all because Citibank failed to update me properly. Please note I have never missed payment over course of the account. Had Citibank updated my information and contacted me in an orderly fashion this would have never happened especially over such a small amount of {$12.00}. 

At this time, I have been directed by several representatives from Citibank to put my proposal into writing. So, with respect to that direction, I am writing today to request a deletion of all derogatory information from my account. This was clearly not my fault and when coupled with t

he Cares Act of 2020 you have more than enough to do whats right. I have sent a copy of this request to the Fair-Trade Commission ( FTC ) for my protection and if need be an unbiased advocate who will help me to get justice should you Citibank fall short in doing what is right during these unprecedented times. Therefore, please be responsible and remove this erroneous reporting from my credit profile. Once you have considered my request please do not hesitate, fax me  a copy of the deletion letter to XXXX. 

Thank you! 

Sincerely, 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