Consumer complaint received 2015-04-19
Company: CITIBANK, N.A.
State: AZ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Customer account coding error by Home depot / Citi Bank - result in unreasonabledispute and collections process, now an Attorney representing XXXX XXXX XXXX as successor - in - interest to Citibank ( South Dakota ), N.A. The Home Depot account as Debt collector. 
XX/XX/XXXX approved for one year = same as cash promotion Home depot / Citi Bank - sales staff made phone call, I gave my Social Security # and carpet was installed within 30 days no issues. 
Months went by, no communication by Home depot / Citi Bank - no credit approved letter, no billing statement, no financial account information of any kind and the promotion offer was pay off before XX/XX/XXXX or XX/XX/XXXX. 
XX/XX/XXXX contacting XXXX services, obviously and account error since I was the one advising no information from Home Depot - no credit card issued or invoice and promotion was pay off in one year to avoid any interest and how can account be placed in collections when no account information or communication of any kind has been established? This is obviously customer coding error from Home depot and advised it was Citi Bank, not home depot who financed the promotion. 
XX/XX/XXXX I contacted Citi Bank, advised of error in customer coding issue and dispute collections since no idea of who to pay balance with - XXXX advise it was a credit card issued by Citi Bank ... I have never received credit card by Citi Bank or Home Depot. Promotion was approved via SS # over phone. I was offered to settle collections by paying {$1700.00}. " No I do not want to settle collections I want to be removed form collections and Citi Bank needs to advise credit reporting agencies of customer coding error, to avoid negative notes with credit reporting agencies '' ( my middle score was XXXX at time of promotion approval ) I, confirmed customer coding error. When I asked Citi Bank to confirm my ph # and address, Reply was wrong phone # and my address was incomplete ... again confirming this is coding error and should be removed from collections. I was told, only way to resolve is file dispute fax with details. Following Citi Bank dispute resolution process and communication to resolve ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX andXX/XX/XXXX ) with no resolve. 
XX/XX/XXXX letter from XXXX, stating they have, purchased debt from Citi Bank for collection purposes. I advised of dispute issue and on-going, looping with resolution process through Citi Bank and again had to issue letter of dispute to XXXX XX/XX/XXXX XXXX advised will open investigation and expect follow up in few weeks. 

XX/XX/XXXX XXXX sends letter of investigation results, confirming credit reporting agencies account is in dispute along with a copy of Home Depot, consumer paperless credit card application with electronic signature and copy of account statement from Home depot credit services dated XX/XX/XXXX ... .the statement shows incomplete address and again, I confirmed this is the reason why, I never received any account information of any kind, no credit card, no credit card statement, no Citi bank information, no phone call nothing and why this was sent to collections in error and reminded them and on XX/XX/XXXX I was the one who came forward stating ... must be account coding error issue. I went to Home Depot to clarify when promotion date ends with intent to pay off and avoid any interest. The ridiculous problem resolution process looping same dispute with no results. 
XX/XX/XXXX letter From XXXX XXXX XXXX XXXX. Attorneys - representing XXXX, XXXX XXXX XXXX. For Debt collection of sold pool of Charged off accounts From CBNA on or about XX/XX/XXXX. XXXX XXXX, XXXX - XXXX and XXXX, Both sent same account statement showing incomplete address, I am sure the post office sent citi bank notice - undeliverable and again I am the one advising something is wrong - should never went to collections, followed dispute process.

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