Consumer complaint received 2020-10-12
Company: CITIBANK, N.A.
State: CT
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: Their investigation did not fix an error on your report

Complaint:
I have continually tried to rectify the information reported to the credit bureaus by my Citibank credit card. I tried disputing first through XXXX  only to get a letter saying Citibank was not in error. Ive attached the letter dated XX/XX/XXXX This is my second attempt through the CFPB site. Citibank did remove the late fees from my account and the late payment report for the month of XXXX however, my credit account now shows late payments for four months instead of the three fales reports that I was initially contesting. 

My report intially stated I was late for the months of XXXX ... now it states I was late for the months of XXXX Please see below as I copy and pasted the info posted on XXXX  Payment Info Status Past due 30 days four times Status date XX/XX/2020 Past due amount {$180.00} Highest balance {$7600.00} Monthly payment {$110.00} Late payments XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 On XX/XX/2020 - I recieved a late notice in the mail with a late fee of {$40.00}. The late notice was for the month of XXXX which I had originally set up as a Covid deferral in XX/XX/2020 XX/XX/XXXXhowever, Citibank neglected to process the deferral. I called the number on the late notice and spoke with XXXX Emp. # XXXX. She could not understand why I was getting a late notice because I had requested that my account be put on covid relief for the months of XXXX and XXXX. According to the notes she was reading in Citibanks system that was the information she was seeing as well. XXXX told me to DISREGARD THE NOTICE! She also told me if I didn't make at least a PARTIAL PAYMENT soon, my account would be reported late for the month of XXXX as well. I asked her if a partial payment of {$50.00} would keep my account out of collections and she said YES it would, so I made a partial payment of {$50.00} over the phone. 

Citibank has reversed the intial report on XX/XX/XXXXstating I was late for the month of XXXX because Citibank neglected to process the XXXX deferral as requested and promised. I've attached a letter from Citibank dated XX/XX/XXXX stating that my {$50.00} payment had been processed on the due date of XXXX, XXXX. It says nothing about being late and as highlighted says nothing amount a balance due for the month of XXXX ... .which is what XXXX Emp # XXXX had promised ... 

It was also during the call on XX/XX/XXXX that XXXX Emp. # XXXX put my account on deferral as a customer service offer for the months of XXXX/XXXX. I then got a notice in the mail dated XX/XX/XXXX saying my account was put on defferal for the months of XXXX and XXXX. ( See attached ) My account is due on the XXXX of each month ... I made my XXXX payment today on XX/XX/XXXX so how could my account be reported as late if its not even due yet? ( See attached ) XXXX - Why should my account be reported late if I was told by a Citibank representative ( XXXX Emp. # XXXX ) that if I made a partial payment of {$50.00} it would keep my account going into collections for the month of XXXX? I also received the attached letter! Read Citibanks notes! Listen to Citibanks recording or both! 

XXXX/XXXX - Why should my account be reported late if I received a letter from Citibank stating my account was placed on deferral for the months of XXXX/XXXX? It clearly states that there would be no late fees assesed and no negative reports made to the credit report comanies ( see attached ) XXXX - Why should my account be reported late if I paid the balance due today ( see attached receipt ) eight days before the due date of XX/XX/XXXX. 

I have spent numerous hours on the phone and chatting online with CitiBank representatives trying to rectify this issue. Citibank did finally remove the late fees placed on my account and reversed the reported late payment for XXXX however, the late payments reported for the months of XXXX need to be reversed! 

Please contact each of the reporting agencies to reverse the FOUR late payments.

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 non-monetary relief