Consumer complaint received 2016-01-26
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (CA)

COMPLAINT AGAINST EXXON MOBIL Exxon has refused to provide answers to questions requested by me and my attorney to support the reporting of derogatory information to XXXX, XXXX and XXXX regarding an alleged debt to my account. 
On or about XXXX XXXX unauthorized charges were made to my Exxon Mobile credit card ( by Exxon. ) If Exxon mailed statements they were sent to an incorrect mailing address. Additionally, any contact information Exxon had on record, including my email, work address and phone number were incorrect as well. 
I discovered this in XXXX XXXX when I reviewed my credit report. I noticed Exxon put derogatory remarks regarding late payments made to Exxon on my XXXX, XXXX and XXXX credit reports. In response, on XXXX XXXX, XXXX, I called Exxon and spoke with their representative XXXX and I explained to him my situation. XXXX confirmed that Exxon did not have any current contact information. I told him that I did not have possession of a valid Exxon credit card, never activated a new credit card and have not received statements for quite some time, because I stopped using the card. 
I provided XXXX my current address and contact information as well as requested that my Exxon account be cancelled. After we spoke about the balance on my card, XXXX put me on hold and spoke with a supervisor. When he got back on line he told me my card would be cancelled and that all charges and late fees on my account would be removed. Since Exxon is not a philanthropic organization I am sure they realized this situation was just a big mistake and not my fault so their reversing of all charges was the appropriate action to take. 
XXXX of XXXX, I filed a dispute with the XXXX credit bureaus regarding the late payments reported by Exxon. In my letter I explained to XXXX, XXXX and XXXX that Exxon determined no legitimate charges were made, no balance was ever due and no payments were necessary or required. In my letter I asked XXXX, XXXX and XXXX to remove all derogatory reporting regarding late payments. I was surprised that in their response to my letter, dated XXXX XXXX, XXXX ( Attachment # XXXX ) Exxon stated that the information reported to the credit agencies accurately reflects my account history and the reporting can not be changed. 
Again, On XXXX XXXX, XXXX I sent another letter to Exxon, XXXX, XXXX and XXXX. ( Attachment # XXXX ) requesting Exxon to explain how they can legitimately report late payments ( now 90 days ) to an account where all charges were reversed, no balance was due and no actual payments were ever made. In Exxon 's response dated XXXX XXXX, XXXX they stated that the information they reported to the credit agencies accurately reflects my account. Additionally, ( Exxon ) did not provide the information I requested regarding how my account balance was reduced to XXXX and how you can be late making a payment on a zero amount due. ( Attachment # XXXX ). 
As a result of Exxon 's refusal to provide verification of debt or how the balance due was paid, on XXXX XXXX, XXXX my attorney XXXX XXXX XXXX sent a letter to Exxon and the credit bureaus. Requesting verification of all legitimate charges to my account and to verify the nature as to how the debt was satisfied. ( Attachment # XXXX ) Again, Exxon sent back a ( form letter ) reply dated XXXX XXXX XXXX, stating that the information reported to the credit agencies accurately reflects my account history. Exxon refused to answer any questions ask by my attorney XXXX XXXX and did not verify the debt nor did they provide him the additional information we requested that was sent to the credit bureaus in response to my dispute. ( See PDF # XXXX Exxon XXXX XXXX XXXX Reply.