Consumer complaint received 2015-07-23
Company: CITIBANK, N.A.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I had a business account with citibank, which was opened with my businesses LLC and tax Id with no personal guarantor ( this is important later in the summary ). I filed a claim due to a purchase that was never received, in doing so I provided all the documentation that was required of me at that time and received a provisional credit in the amount of the charge. A few months pass and I was requested to send additional documentation to validate the claim, at the time of request the date printed on the letter was already BEYOND the date they needed to receive the information so I called explaining that I just received the letter and the date was already beyond that date and they told me not to worry and to just send it in. I faxed in the information immediately that day and got a confirmation that the fax was received both by the fax machine and when I called the next day to confirm receipt. I was told by a male supervisor that the fact had been received and that the account was currently in appeal status. A few weeks later I called in for a status update and also because I had received a letter indicating that because the information was not received on time that the provisional credit would be removed on " XXXX '' date. I was told to ignore that because the fax had been received and that since the account was in appeal status that the credit would n't be taken back. A few weeks later I check my account its overdrafted and showed the credit was in fact taken back on the date the letter indicated. I called and asked what was going on and was told that they never received any fax and I need to re-fax it in. I did this again ... got a confirmation from both he fax and a rep that it was received. A few weeks later I got another letter this time indicating that I need to pay back the overdraft or the account would be charged off ... again I called and again I was told to ignore that letter because the account was in appeal status. So a few weeks go by I call for a status update and AGAIN I 'm told that they fax was n't received and I needed to re-fax. So this time I go to a branch and have them fax it, they fax it I get confirmation from the bank rep that it was successful and I call and confirm the same with a rep. A few weeks go by I get a letter saying the account was closed to NSF/OD and at this point I give up. Then I get the XXXX report for my business and its closure reason is determined as " account abuse ''. I go into the branch and they tell me it must have been an entry error because " most people do n't even look at these reports '' I tell them I am happy to pay the amount and just take the merchant to civil court for the amount of the original charge but they needed to fix that first. I get a letter from citibank which I confirm with a rep that " i need to pay first then they will delete it ''. SO no citibank is extorting me for fixing inaccurate entries. Further I check my personal XXXX report only to find that the same entry for my business is also on my personal XXXX report for the same amount and " account abuse '' rather than the accurate entry of NSF/OD which is listed on the actual charge off letter from citibank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation