Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (NC)

COMPLAINT ID XXXX I made this complaint about a disputed charge that Citi refused to refund. After the CFPB complaint, Citi refunded me.

After this was resolved, Citi put a defamatory comment on my credit report design to alert other financial institutions that I may be a difficult customer to work with. This is a punitive measure they took against me for pursuing my legal rights. 

I want that comment on my credit report removed. 

I spoke with Citi via chat and they said they nobody to speak to me and ended the chat. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- transcript of Citi conversation : I'm pulling up your information now. It'll be just a moment. 
Hi there, XXXX. I'm Citi Bot, your guide to instant answers anytime. 
Which account do you need help with? 
Citi Double Cash Card ... XXXX XXXX Anywhere ... by Citi ... XXXX I'm looking for another account XXXX PM - Bot Citi Double Cash Card ... XXXX Read XXXX PM Now, select an option below or type what you need. If you want to type, just a few words is best. 
XXXX PM - Bot Disputes Read XXXX PM OK, let 's get started. How can I help with disputes for your Citi XXXX XXXX XXXX ... XXXX? 
Show open disputes Dispute a new charge Report new unauthorized charge Cancel a dispute Go to Dispute Center XXXX PM - Bot speak to representative Read XXXX PM I'd love nothing more than to assist you myself. Can you tell me what's up? 
XXXX XXXX - Bot You have placed an inaccurate and defamatory remark on my credit report and I demand it is immediately removed. Failure to do so will result in a report to the CFPB. 
Read XXXX PM If you're still looking for help with a dispute on your account, you'll need to call us. But, if you want to chat with a representative about something else for this account, I can help with that. 
Chat about something else Go to Contact Us Thanks, nothing else XXXX PM - Bot Chat about something else Read XXXX PM Before I can connect you with a representative, I'll need some information on what you need help with. 
XXXX PM - Bot chat with rep Read XXXX PM I will need to get an agent on the line to help you with that. Please wait while I find an available agent. 
A representative is on the way. They'll be here soon. 
XXXX XXXX - Bot define " soon '' Delivered XXXX PM So close! A representative will be with you soon. 
XXXX PM - Bot Thank you for waiting. You are now connected with XXXX XXXX, Thank you for contacting Citi, my name is XXXX. I'll be happy to assist you with the query. Thank you for logging on today and being a valued customer with us! 


How XXXX I help you today? 
XXXX XXXX - XXXX Citi has put an inaccurate and defametory comment on my credit report and I want it immediately removed. Failure to do so will result in filed report to the CFPB. 
Read XXXX PM XXXX? 
Read XXXX PM I will surely help you with this. 


Please confirm the last XXXX digits of the card. 
XXXX PM- XXXX XXXX Read XXXX PM May I know the report it was inaccurate? 
XXXX XXXX - XXXX XXXX. Citi can not put a defamatory comment on my credit report noting my dispute with them just because they disagreed with the outcome. The CFPB got involved and told citi to fulfill their legal obligation to reimburse me for the charge. They can not take vindictive measures because i pursued my legal rights. 

I understand that. Please confirm the disputed charge amount. 
XXXX XXXX - XXXX XXXX XXXX XXXX PM Let me connect the chat to my concern team. 
XXXX XXXX - XXXX XXXX are being transferred to another agent 's queue. Please stand by. 
great thank you Sent A representative is on the way. They'll be here soon. 
We're sorry. It seems like there are no representatives that can help you at this time. Please reach out to us a bit later. 
The Citi representative ended the conversation today at XXXX PM Alright we can do it that way. 
Sent I'm pulling up your information now. It'll be just a moment. 
I'm Citi Bot and I'm here around the clock to assist you, XXXX. 
Now, choose the account you need help with so we can get started. 
Citi XXXX XXXX XXXX ... XXXX XXXX Anywhere ... by Citi ... XXXX I'm looking for another account XXXX PM - Bot in case you attempt to not send a record of this chat I have already copied it and taken record. Good day.