Consumer complaint received 2020-09-23
Company: CITIBANK, N.A.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Fall XXXX realized there was a balance on an account I didnt use anymore. I called Citibank. The rep helped reverse the charge. I also requested to close the account because I didnt use it. It still had my maiden name on it ( XXXX XXXX XXXX ). I dont have direct documentation to submit. Im attaching the following screenshots in an attempt to prove that I called and the charges were removed : - Screenshot of my email account showing various emails from Citi a statement on XX/XX/XXXX showing a balance, a survey following my call with them, a statement on XX/XX/XXXX showing no balance. 
- Screenshot of the XX/XX/XXXX email showing a balance - Screenshot of the email survey - Screenshot of the XX/XX/XXXX email showing no balance I can submit bank account records if that would be helpful to prove I did not make a payment to clear that balance. The balance was cleared up on Citis side. I tried to look for a call record from my XXXX account but the website says the records are only available for a certain time period so I was unable to screenshot of a log to prove I called. 

XX/XX/XXXX I called Citibank ( XXXX ) and was told the account didnt have any late payments. The issues from last fall were completely resolved. 

XX/XX/XXXX Dispute opened with all 3 credit bureaus. 

XX/XX/XXXX XXXX resolved the dispute in my favor XX/XX/XXXX XXXX   says they called Citi who said the account did have late payments. 

XX/XX/XXXX I called Citi again. I called a different number this time. I called the number that the credit bureaus listed ( XXXX ). I was told the erroneous charge was reversed last fall but not the late fees and interest. She put in an order to reverse those charges and said it would be done in 2-3 business days. She said that on XX/XX/XXXX updated information would be sent to the credit bureaus. 

XX/XX/XXXX after still not seeing updates on credit for XXXX or XXXX  I called Citi to confirm their end. The rep said the charges were reversed. 

XX/XX/XXXX I called XXXX to see if they had received an update from Citi. The rep said no Citi had not sent updated information. 

XX/XX/XXXX I called Citi for the 4th time after speaking with XXXX. The Citi rep says all the late fees and interest had been reversed last fall. The Citi rep said she send information to XXXX. She said Citi would have sent updated information to XXXX 30 days after that adjustment so probably XXXX of last year. Citi rep told me the problem is on XXXX side and I should open a dispute. 
I told her I had already done so. That XXXX says they called Citi and were told I was late. The rep told me she could give me an address and fax number for a different department at Citi so I could file a dispute. I told her I wanted a phone number. I said I wanted to talk to someone. She said I couldnt. There was no number. I had to send a letter or a fax. After insisted that wasnt acceptable she said she could file it for me. So while I was on the phone with her she a credit dispute with Citi for me. 

XX/XX/XXXX I opened another dispute with XXXX in case that would help speed things along. I attached a PDF version of a XXXX  document where I laid out the phone calls Id made between XX/XX/XXXX and XX/XX/XXXX. 

I believe Citi needs to submit information to the credit bureaus stating that there were never late payments on this account. The failure to provide updated, accurate information is negatively impacting my credit score.

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