Consumer complaint received 2022-03-14
Company: CITIBANK, N.A.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have a Citi credit card account I have been trying to get the late payment removed on my credit report for over 2 1/2 years. On XX/XX/XXXX I made 2 payments on Citi card accounts. I accidentally paid my husbands account 2 times when I should have made one of those payments on my card ending in ( XXXX ). Shortly after the due date XXXX XXXX Citi card collections contacted me and I made another payment for this account. All payments were 3-4 times more than the minimum amount to be paid. On XX/XX/XXXX I contacted a supervisor, XXXX, who removed the late fee and the late payment notice. The payment was made 3 days later not 30 days late, I had already made the payment just on the wrong account. My name is on all 3 accounts but they wouldn't transfer the payment. On XX/XX/XXXX I spoke to a rep in the call center that advised me to write a letter to : Associate Credit Bureau Dispute Credit which I did and attached a copy of my report showing payment history was 100 % on time. Somehow the late notice shows up again on my credit report. On XX/XX/XXXX I filed a dispute, I should receive a letter in 7-10 business days. No letter received. On XX/XX/XXXX I spoke to supervisor, XXXX, he said he removed the notice while I was on the line gave me a confirmation number of # XXXX. On XX/XX/XXXX, Notice is still there, I spoke to a supervisor in the call center and they agreed to remove the late notice, I was supposed to get a letter stating it was completed. On XX/XX/XXXX I contacted the call center again to ask for the inquiry number since nothing is ever completed and promised, and that supervisor said there was nothing in the computer but he would enter a review request. From XX/XX/XXXX until XX/XX/XXXX I entered on line disputes through XXXX XXXX and XXXX and XXXX. They all come back with no changes made. On XX/XX/XXXX I talked to a supervisor XXXX he submitted a review request and stated the notice would be removed in 30 days which would be the XX/XX/XXXX bill cycle. He was reluctant to give me any kind of tracking number but told me to trust him it is done and I would get a letter stating the correction was made. On XX/XX/XXXX, correction not completed, I spoke to a supervisor, XXXX, operator # XXXX told me he couldn't go into the system to change the late notice. It's not a banking error it was my fault I paid the wrong account. I told him I have been dealing with this for 2 1/2 years and everyone tells me something different. First they can't see the account because it is paid in full, then they can't go back that far, then they will submit these review request..which nothing is ever done. I'm tired of dealing with this and I want the notice removed. Under credit reporting it should only be reported as missing..which I paid the account or more than 30 days late... I paid the wrong account on time and then paid this account within 3 days. even with inquiries they fall off in 2 years ; I have complied with my agreement to pay and I have always paid {$100.00} or more on all these minimum amounts of {$26.00}. I told XXXX I want someone in management to take care of this once and for all. This XXXX 's supervisor is supposed to call me by XX/XX/XXXX ; No name, No phone number, just somebody is supposed to call me and he's going to tell me the same thing XXXX just told me. I want the notice removed. I have 3 accounts with Citi and they are all current with outstanding ratings. Just this one which one supervisor corrected and someone went in and added the notice back on. Please advise at your earliest convenience how you can help me. Thank you.

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