Consumer complaint received 2021-04-24
Company: CITIBANK, N.A.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXX Complaint and request : for assistance to reconcile an incorrect matter with Citibank N A Account opened XX/XX/XXXX Current balance today {$0.00} Charge off internally with Citibank XX/XX/XXXX Last payment required and made XX/XX/XXXX Hello, I am requesting assistance to have an old matter with Citibank resolved. Please note Citibank does not have current information and is ruining my credit worthiness due to improper recordkeeping. 

In XXXX, I was put on a payment plan with Citibanks internal Collection department, with fixed payments and stopping all interest on the account. I started a payment plan with Citibank in XX/XX/XXXX. All payments were taken out automatically from my bank account. 

Fast forward to XX/XX/XXXX, and I changed banks for my checking to XXXX XXXX XXXX. I was promptly in touch with Citibank and restructured the remaining balance with payment starting on XX/XX/XXXX, with 48 payments set up to be taken automatically out of my bank account. All payments were taken out as agreed and I have all bank statements for all 48 payments that were taken out automatically. 

The payment ceased to come out of my bank account as XX/XX/XXXX being the last payment as agreed. This last payment came out of the account, my XXXX XXXX checking account, that I set up with them in XX/XX/XXXX. All 48 payments came out. I still have that XXXX XXXX checking account to this day. I never denied them a payment nor stopped payment on any of my payments. They were all paid as agreed. 

In XX/XX/XXXX, I was sent a correspondence from a collection company called XXXX XXXX XXXX, XXXX. Their physical address is XXXX XXXX XXXX. XXXX XXXX in XXXX MN XXXX. 

I was promptly in touch with The collection company, XXXX XXXX XXXX, XXXX, and let them know this was a mistake and that I do not owe any balance and that account at that time was over a year old and has been paid off 12 months prior as agreed. 

XXXX XXXX XXXX XXXX has continued to stay in touch with me and call me for a balance. I sent had conversation with them within the last 30 days and ask them to please stop calling me, and if I owe money to please send me documentation verifying and proving that. 

Today I received correspondence from radius global solutions, With irrelevant information from XXXX and XXXX. The information they provided does not show a balance nor a reason why I am with their collections agency. In fact the letter they sent me shows a zero balance. 

Furthermore, I watch my credit closely on a weekly and monthly basis, and XXXX provided me with a list of credit cards that were offering 0 % interest for 18 months for balance transfers. XXXX  also itemizes cards that I would be approved for with my credit rating. I applied for credit with Citibank, on XX/XX/XXXX, due to the recommendation from my XXXX account. I was denied credit from Citibank on XX/XX/XXXX, reason being is ... I have an account with a balance with them that was not paid. 

Please note this incorrect accounting and not accounting for all of my payments that were automatically taken out of my account, its not only disturbing because now theyre asking for money that I do not owe but now Ive been denied credit with Citibank and its ruining my credit. 


Please assist me in getting this removed from my credit, removed from my Social Security number and having the inquiry from Citibank either reversed approving me for credit or having it taken off my credit report as an inquiry. At this time the inquiry will stay for 24 months. I find all these actions from Citibank and XXXX XXXX Solutions very unfair and are affecting my financial worthiness, security and truthfulness. 

Thank you for your time. 

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