Consumer complaint received 2017-09-11
Company: CITIBANK, N.A.
State: ID
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XX/XX/XXXX : Divorce is final and signed by judge. Included in this divorce is a debt to XXXX XXXX ( ran by Citi Bank ). I was awarded this debt and have been paying on it since then. I was a authorized user and was secondary on the card. This card and debt shows up on my credit report. 

Early XX/XX/XXXX: Ex-Spouse and her new husband file for bankruptcy. Since her name is attached to this card and account it is now filed in with the bankruptcy. No longer receive statements because of this matter but I can log in online and make payments. 

XX/XX/XXXX : Still making payments and trying to pay off quickly. But I now do not have access to the account online. It gives a phone number and it directs me to the bankruptcy department. I go ahead and submit a {$100.00} payment via Bill Pay through my bank. I have no idea what the balance is and what is due. End of the month and still no news on what is due to pay off this debt. 

XX/XX/XXXX : I try to acquire a payoff balance so I can be done with this. I call and call but no information is given to me because I am not primary on the account. I have all the account holder information and because I am not primary on the account I can not have the balance due. All I wanted to due was pay the debt. They insisted on talking to my ex-wife, but she does n't want to talk to them and does not care about them because she filed bankruptcy and it is my debt to pay. They will not take a payment from me at all until they talk to my ex wife. Finally i get someone to send out a current statement to the address on file ( which is my address ), it arrives but is already past the due date of XX/XX/XXXX for the amount of {$84.00}. I try and try again going through every route possible i can find online for Citi Bank. I work my way to the same result and that is transferred to the bankruptcy department where I can not make a payment and can not get a dollar amount of pay off. My concern is that the account has acquired interest and I want to make it a XXXX balance. Finally I give up and online Bill Pay through my bank again an amount of {$85.00} ( {$0.00} over statement balance ). This payment was posted on the XXXX of XX/XX/XXXX. On the XXXX of XX/XX/XXXX XXXX/CBNA reported to my credit that this account is Delinquent and 30, 60, 90 days ( or more ) late. Now I am worried that I have a late fee and that this is a very negative action reported to my credit. This morning ( XX/XX/XXXX ) I set up another Bill Pay from my bank to this XXXX account for the amount of {$40.00} to cover any late fee ( should post on XX/XX/XXXX ). Because the last thing I want is this revolving account that keeps reporting negative. 

I am a responsible borrower and am not the one that filed for bankruptcy. I was planning on doing future business with Citi Bank All I want is to pay off an account that a Judge awarded to me in a divorce and that I am authorized to use/pay on. I would like this company to talk to me and provide information needed to pay off this account. I was awarded the responsibility to pay this account in a responsible time frame and they are not allowing me to pay them the money that I owe them. All I wanted to do was pay on this account.

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