Consumer complaint received 2018-12-31
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to request the removal of a negative 30 day late status currently listed on the Citibank account of my credit report. I believe that I was never late in paying Citibank and the late status should never have been reported to the credit bureaus. To explain : In XXXX of 2018, I received the XXXX Citibank credit card statement with an annual fee of {$95.00} ( and a {$0.00} balance other than the annual fee ). I called Citibank at the end of XXXX to close the account because I did not want to pay the fee. The Citibank rep said she would waive/credit the fee. In order to keep the fee waived/credited, I agreed to spend {$95.00} within the next 30 days. On XX/XX/XXXX ( well within the 30 days ) I spent more than {$95.00} ( and proceeded to spend over {$1200.00} that period ). 

In XXXX of 2018, I received the XXXX statement - the {$95.00} fee was still listed on my account statement. I called Citibank to see why the fee was not waived/credited and still on my statement. The rep looked up my account and read the account notes and confirmed that the fee should be waived/credited and also noticed that I spent more than the {$95.00} agreed upon. The rep assured me again that the fee would be waived/credited. I checked online several times in XXXX - not seeing the fee being waived, I called several times to rectify - and finally was assured that the fee was waived/credited. 

In XXXX of 2018, I received the XXXX statement - the {$95.00} fee was finally waived/credited, but now there was a late fee and interest charges from the {$95.00} annual fee that was supposed to be waived/credited in XXXX. I called Citibank to discuss the late fee and interest charges - this time asking to speak with a supervisor. The supervisor reviewed my account and agreed to credit all late fees and interest charges. A few days later, I checked my Citibank account online and late fee and interest charges were credited back to my account. 

In XXXX of 2018, I learned that Citibank reported to the credit bureaus that I was 30 days late in XXXX. I called Citibank again - again asking to speak to a supervisor. I told the supervisor that my main concern was the negative " 30 days late '' mark now on my credit report. The supervisor reviewed my account and stated that she would have a letter sent to the credit reporting agencies to remove the late payment from my credit report. Shortly later, I received a letter from Citibank stating that my account has been in good standing for the last 12 months and that I have followed the terms of the card agreement. 

Unfortunately, the 30 day delinquency remains on my credit reports. This should never have happened for a number of reasons : 1 ) I asked Citibank to close my account ( if it was closed there would be no annual fee and therefore no late status on my credit report ) 2 ) Citibank told me the annual fee was waived/credited ( if it was credited/waived there would be no annual fee and therefore no late status on my credit report ) 3 )  The only amount that was " late '' was the {$95.00} annual fee that was supposed to be waived/credited ( if it was credited/waived there would be no annual fee and therefore no late status on my credit report ) Finally, I have never been late paying a bill - not with Citibank or with any other company. My wife and I have worked tirelessly to maintain excellent standing with the credit bureaus - both of us having FICO scores over XXXX. My credit score has plummeted from XXXX to XXXX due to this unfortunate circumstance. I am seeking your assistance, your humanity, and your kindness with getting this matter resolved ASAP. I am beyond concerned about the impact this will have on my business and on our ability to secure a good mortgage in the next 6 months for our growing family of XXXX. Please remove the late payment from the credit reporting agencies. Thank you in advance for your assistance with this very detrimental matter.

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