Consumer complaint received 2018-09-25
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/XXXX Dear Consumer Finance, I am writing this correspondence to your department in hopes you can help me resolve this credit reporting error I am currently enthralled with XXXX. Below is a detailed timeline of my correspondence with the various credit departments within the XXXX/Citibank Corporation which I have been engaged in since XX/XX/XXXX. I have also included their varied responses to this matter. 
To be brief, in XX/XX/XXXX while in the process of reviewing my annual credit reports I noticed a reporting error on my XXXX account with my previous XXXX account. I promptly disputed this error with XXXX directly and waited 90 days for the results. According to XXXX this account was reporting correctly. I was encouraged to reach out to XXXX directly to clear this matter up. 
XX/XX/XXXX I settle my debt with Department Stores National Bank for my outstanding debt to XXXX for {$430.00}. Please see attached evidence marked Exhibit A My XXXX credit limit was never more than {$400.00}. 
XX/XX/XXXX XXXX processed this settlement via electronic check # XXXX reference # XXXX XXXX. Please see attached evidence marked Exhibit A2 XX/XX/XXXX I notice XXXX account ( which has been settled via collection since XX/XX/XXXX has been reporting via XXXX as CO ( Collection Account ) since XX/XX/XXXX. I dispute this error with XXXX directly. 
XX/XX/XXXX XXXX closes their investigation stating per the creditor the account is reporting accurately. 
XX/XX/XXXX I called the number listed on my credit report for XXXX XXXX and speak with representative XXXX ( agent # XXXX ) who confirms the system reflecting settled payment for this account since XX/XX/XXXX. XXXX explains this is a reporting error on behalf of XXXX which could be easily rectified with a simple letter explaining the situation to the dispute department. 
XX/XX/XXXX - I write a letter to XXXX dispute department per XXXX   instructions stating the account was settled by me and closed by the credit grantor ( XXXX ) some time ago. I encourage XXXX to review their reporting and make the correct adjustments. By now the account is reporting late since XX/XX/XXXX to present even though the account has been settled and closed since this settlement payment in XX/XX/XXXX. This letter was sent to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Please see my initial correspondence to XXXX marked Exhibit B. 


XX/XX/XXXX XXXX responds to my letter stating their records indicate the account reporting as CO is reporting as correct per their records. Please see Exhibit C. 
XX/XX/XXXX - I reach out again to XXXX @ XXXX and speak with representative XXXX ( agent # XXXX ) who once again confirms the debt as reflecting as settled since XX/XX/XXXX. XXXX also confirms per his records the account is reflecting a {$0.00} balance. XXXX directs me to Citi Recovery to explain this issue. 
XX/XX/XXXX I am transferred via phone to Citi Recovery and speak with XXXX ( agent # XXXX ). XXXX, like XXXX and XXXX confirms her system records reflect a settlement payment in XX/XX/XXXX and a {$0.00} balance reflecting too. XXXX suggests I fax all my evidence to the Escalation Department @ XXXX, as fax is their best way to review all material and make any necessary adjustments. XXXX also informs me she can send me a confirmation letter proving the {$0.00} balance. When I inquire if this letter will show the {$0.00} balance as of XX/XX/XXXX, XXXX states the letter will not reflect any form of as of date. 
XX/XX/XXXX I fax a new dispute letter to Recovery Dispute ( Escalation Department ) as well as send a certified letter to : Recovery Dispute XXXX XXXX XXXX XXXX XXXX, MO XXXX Please see my second correspondence to XXXX marked Exhibit D. 

XX/XX/XXXX I receive via First Class mail a letter from Citibank N.A.  confirming my XXXX account reflect a balance as {$0.00}. Please see Exhibit E. 
XX/XX/XXXX I receive response from my Recovery Dispute letter ( Exhibit D ) from XXXX stating their records indicate that the information appearing on my credit report is correct. Please Exhibit F. 
XX/XX/XXXX I check my XXXX credit report and find that the inaccurate reporting from XX/XX/XXXX to present has changed from CO ( collection account ) to now being reported as late. How can the reporting be accurate by their standards, yet they make this change with out any notice to me? Furthermore, how is it so many departments and representatives confirm my facts about this account as accurate and correct but the correspondence findings confirm the opposite? 

Facts : My XXXX account was settled with Department Stores National Bank on XX/XX/XXXX. 
The payment for this settlement office posted via check # XXXX on XXXX XXXX. 
XXXX has this on their record as settled XX/XX/XXXX. 
Since the account was settled, the credit grantor ( XXXX ) closed this account thereafter. 
Currently, I do not have any XXXX account as evidenced by no new inquiries on my credit report from XXXX at all ever. 
In my every interaction across all the various departments I spoke and corresponded with at XXXX/Citi in this journey not one department can provide me actual proof of late payments, or proof of mailed billing statements because I can assure you none exist. I believe after my inquiry regarding information on the collection agency assigned they realized this error and change the credit reporting from CO to Late? Both reportings are inaccurate and further proof of their unscrupulous practices. Please see the change across Exhibit G1 and Exhibit G2. 
When I initially reached out too XXXX regarding the CO collection reporting I asked for information on the collection agency the supposed debt was assigned. XXXX could not provide such information because none exists! 
I sincerely appreciate you help in getting this issue resolved. As I stated in my correspondence to XXXX the resurrection of this settled debt has caused an unwarranted amount of stress and missed opportunities for advancement in personal life. I have been trapped by their vindictive reporting and unable to finance a vehicle and denied property rentals because of this retaliatory and bumbled reporting. 

Thank you, XXXX XXXX XXXX Submitted via : consumerfinancace.gov

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