Consumer complaint received 2022-01-04
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
About a year ago I received a call from a company offer me a Zero balance transfer to pay my credit cards for the life of the loan in exchange of {$1800.00} for the services. The company identified themselves as Citi Card. I spoke with a person named XXXX XXXX. After, three months into the service the company that did the balance transfer was supposed to increase my limit and pay other remaining balances on my other credit cards. When time came to get the credit increased and the balances paid the company could not full fill what was promised. I suspected fraudulent activities immediately I called the credit card I had paid the initial {$1800.00} and dispute the charges reversing back the credit to me. 

I have been suspecting fraudulent activities on my credit cards accounts from the merchant BLOOMINDALES DEPARTMENT STORE. I have noticed that I have been paying the with credit card accounts on time and my balances were not decreasing. On XX/XX/2021, I went in person to Bloomindales store in XXXX ( XXXX # XXXX ) I presented both statement balance ( Bloomindales Store Credit and Bloomindales American express ) and paid in full the accounts balances at the store cashier I have proof of the payments, statements and receipts. I immediately called Bloomindales customer service and requested to close my accounts to avoid fraudulent activities. After that, since the accounts have been closed, I have not received account statements, though I have received numerous phone call from Bloomindales store requesting payments. I had provided information to Bloomindales customer service of the payments over the phoneinformation containing the receipt transaction payment number and full details and the representative had told me that everything was fine. It has been recently that I tried to apply for credit that I found out that Bloomindales has been reporting delinquency on my accounts. After numerous attempt to solve this matter over the phone which usually gets routed to the country of XXXX I decided to go back in person to Bloomindales XXXX  Mall to tried to get this resolved. I went back to Bloomindales XXXX  Mall spoke with the store executive manager XXXX XXXX who explained to me that on XX/XX/2021, the store employee made a mistake and credit the wrong account. 
I have been going to Bloomindales XXXX  Mall XXXX XXXX XXXX  to tried to get this mistake fixed which has cost me a lot of hardship. Both accounts had been paid in full and the company refuses to provide me with a zero-balance letter. 
Bloomindales American Express # XXXX American Express Bloomindales XXXX XXXX Store Account When I called a recording line states that there is zero balance on my accounts. 
Those accounts have no pass due balances. The accounts were taken to collection by Citi Bank which is the same people who called me a year ago to scam me with offers for zero balance transfers for credit cards. Citi Card managers Bloomindales credit cards activities. Citi Card is Bloomindales financial institution. I believe it is a despiteful action to harm my credit since the accounts were paid in full. Citi Card is stating there is late fees which was credited by Bloomindales store. Please contact Bloomindales Headquarters and please help me to solve this matter. 

I appreciate your help. Thank you. 

Kind regards, 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