Consumer complaint received 2018-07-16
Company: CITIBANK, N.A.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Id like to file a formal complaint against CitiBanks Best Buy Credit card. 

This past month ( XX/XX/XXXX ) my husband and I applied for a equity line of credit from our bank. I was told my credit score was to low to be approved for a loan because of a closed Best Buy from Citibank credit card. 

I contacted Best Buy immediately to find out what this was about. They told me that in XX/XX/XXXX a charge for {$19.00} was made on the credit card and not paid, so the account was closed in XX/XX/XXXX and reported to the credit bureaus as delinquent. 

Here is the background on the BB credit card. 

My husband and I were purchasing a lot of items from BB in XXXX of XXXX. BB persuaded me to open a BB credit card account in XXXX of XXXX to take advantage of an offer ( a BB gift card for {$300.00} ). My Credit score at that time was around XXXX so I was approved immediately for the card. I was set up with daily promo Emails from best buy and electronic statements. 

I purchased several items on the BB card for over {$3000.00} and paid it off in full on the due date XX/XX/XXXX. 

Unbeknownst to me my husband purchased something in XX/XX/XXXX for {$19.00} on the credit card. 

The BB statements were coming via email along with daily BB promo emails. I thought they were all promo emails so never opened them. 

No one from Best Buy/Citibank reached me by phone nor did I ever get anything in the mail about this {$19.00} charge. 

After being denied the equity line of credit I called Best Buy and spoke with XXXX said she would contact Citibank on my behalf to resolve the situation. 

XXXX contacted CitiBank 's XXXX XXXX ( XXXX ) who told us it doesn't matter the circumstance or that the charge is {$5.00} or {$5000.00}. The {$19.00} was not paid and the account was closed. They will not allow me to pay the charge nor will they removed the delinquent status to the credit bureaus. 

XXXX of Citibank 's only communication with her was phone, fax or regular US mail, No email. Yet Citibank 's only contact with me about the Best Buy statement was via email which was lost among the hundreds of emails from BB. 

I have asked XXXX XXXX of CitiBank with out success to please allow me to pay the {$19.00} charge and for them to remove your negative reporting from the Credit Bureaus. 

I called one of the credit bureaus and they said the negative report from Citibank will remain on my Credit report for 7 Years. 

My combined credit available to me is $ 70,000+. We typically owe less than 10 % of that each month. I pay off ALL our credit cards in full every month and have done so since getting my first credit card at XXXX years old. 

Please note this complaint against Citibank, ask them to allow me to pay the {$19.00} charge and remove the negative report from my credit history. 

Sincerely, XXXX XXXX XXXX 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