Consumer complaint received 2018-12-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (CA)

I am writing to request the removal of a negative 30 day late status currently listed on the Citibank account of my credit report. I believe that I was never late in paying Citibank and the late status should never have been reported to the credit bureaus. To explain : In XXXX of 2018, I received the XXXX Citibank credit card statement with an annual fee of {$95.00} ( and a {$0.00} balance other than the annual fee ). I called Citibank at the end of XXXX to close the account because I did not want to pay the fee. The Citibank rep said she would waive/credit the fee. In order to keep the fee waived/credited, I agreed to spend {$95.00} within the next 30 days. On XX/XX/XXXX ( well within the 30 days ) I spent more than {$95.00} ( and proceeded to spend over {$1200.00} that period ). 

In XXXX of 2018, I received the XXXX statement - the {$95.00} fee was still listed on my account statement. I called Citibank to see why the fee was not waived/credited and still on my statement. The rep looked up my account and read the account notes and confirmed that the fee should be waived/credited and also noticed that I spent more than the {$95.00} agreed upon. The rep assured me again that the fee would be waived/credited. I checked online several times in XXXX - not seeing the fee being waived, I called several times to rectify - and finally was assured that the fee was waived/credited. 

In XXXX of 2018, I received the XXXX statement - the {$95.00} fee was finally waived/credited, but now there was a late fee and interest charges from the {$95.00} annual fee that was supposed to be waived/credited in XXXX. I called Citibank to discuss the late fee and interest charges - this time asking to speak with a supervisor. The supervisor reviewed my account and agreed to credit all late fees and interest charges. A few days later, I checked my Citibank account online and late fee and interest charges were credited back to my account. 

In XXXX of 2018, I learned that Citibank reported to the credit bureaus that I was 30 days late in XXXX. I called Citibank again - again asking to speak to a supervisor. I told the supervisor that my main concern was the negative " 30 days late '' mark now on my credit report. The supervisor reviewed my account and stated that she would have a letter sent to the credit reporting agencies to remove the late payment from my credit report. Shortly later, I received a letter from Citibank stating that my account has been in good standing for the last 12 months and that I have followed the terms of the card agreement. 

Unfortunately, the 30 day delinquency remains on my credit reports. This should never have happened for a number of reasons : 1 ) I asked Citibank to close my account ( if it was closed there would be no annual fee and therefore no late status on my credit report ) 2 ) Citibank told me the annual fee was waived/credited ( if it was credited/waived there would be no annual fee and therefore no late status on my credit report ) 3 )  The only amount that was " late '' was the {$95.00} annual fee that was supposed to be waived/credited ( if it was credited/waived there would be no annual fee and therefore no late status on my credit report ) Finally, I have never been late paying a bill - not with Citibank or with any other company. My wife and I have worked tirelessly to maintain excellent standing with the credit bureaus - both of us having FICO scores over XXXX. My credit score has plummeted from XXXX to XXXX due to this unfortunate circumstance. I am seeking your assistance, your humanity, and your kindness with getting this matter resolved ASAP. I am beyond concerned about the impact this will have on my business and on our ability to secure a good mortgage in the next 6 months for our growing family of XXXX. Please remove the late payment from the credit reporting agencies. Thank you in advance for your assistance with this very detrimental matter.