Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (MN)

I started a dispute with Best Buy Credit Services upon learning that after I cancelled XXXX XXXX XXXX XXXX XXXXXX/XX/year> and asked them to correct a few problems they did not follow through. This resulted in Best Buy charging me {$3.00} after the final payment I made for the XX/XX/year> statement. After this date I did not receive an invoice. In XXXX I received and invoice for approximately {$8.00} I paid it as soon as I received it but I called to ask what it was for I was told it was for AppleCare I received a letter as well reducing my credit limit. I explained that I cancelled XXXX and I was encouraged to make the payment over the phone even though I sent the check and I disputed the charges. I was promised I would be contacted by a supervisor for a refund and to verify cancelation and to discuss my credit limit reduction. Since this time I have made several calls and have not been able to get email or any confirmation of my cancellation. I asked for an address to send my dispute and issues and I was told I had to communicate by phone. I was hung up on. I provided Best Buy the letter I wrote in XXXX XXXX XXXX  cancelling the service. I did not think this would turn into such a big deal. I was told that under my name Best Buy created several accounts and that only one XXXX was cancelled because the accounts were not merged by Best Buy. Today the helpful person merged all of my accounts and verified one was cancelled but 3 other AppleCare charges were being charged still and one was on my account ending in XXXX. Even today the XXXX was still not removed from my account. Now it is finally. However my credit history was damaged by XXXX XXXX decrease due to the report for charges they were fraudulently charging on my account that were not authorized beyond the XX/XX/year> statement that I paid. I paid the disputed amount as soon as I was made aware of it. I should be able to write a dispute and request and be acknowledged. I should not be forced to rely on a phone conversation that I have no control over how it is documented and handled. In writing I have a record. They should not be able to ignore a written request and report something on my credit history that was fraudulently charged by Best Buy through their credit card company. I have been dealing with this for 6 months. As much as I appreciate their offer to credit me for the last few months of {$3.00} charges, I am much more concerned about the XXXXXXXX XXXX  decrease and reporting late payment for something I disputed, cancelled and do not owe. I want them to remove the late report from my credit history immediately. This has gone way too far and it is ridiculous how I have been treated. My credit history speaks for itself. I am not the problem and I did what I was supposed to do to the best of my ability. I have no reason to ruin my credit for {$3.00} and then pay it shortly after the supposed due date. This is irresponsible of Best Buy and Best Buy Credit Card Services CitiBank.