Consumer complaint received 2015-08-22
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A. (MN)

XX/XX/XXXX I ordered a IPAD online with my BestBuy.com using my BestBuy credit card. The day after I ordered it I was contacted by BestBuy and advised the IPAD was on backorder and may not be available before XXXX. Because it was for a XXXX gift I told them to cancel the order. When I received my BestBuy statement in XX/XX/XXXX there was a charge for {$29.00} for IPAD software, I immediately called BestBuy customer service and told them the IPAD was cancelled and questioned why the charge was on my account. I was told it would be corrected. I received a statement in XX/XX/XXXX and the charge was still on there, again I called customer service and this time questioned why it was n't removed, and asked why it was on there in the first place being that I ordered an IPAD initially which was never on my statement yet I was being charged for some software that went with the IPAD. I was informed once again the problem would be corrected. Well, I received a statement in XX/XX/XXXX that still had the charge on it only this time it stated my account was past due ( This was the ONLY charge on my account and I did not feel I should pay for something I did not charge or receive ). I again called customer service and demanded the issue be resolved and complained that I had spent literally hours on the phone with customer service trying to resolve a charge that I never should of had on my account, again I was told it would be resolved. When I received my XX/XX/XXXX statement the balance was once again at XXXX and I assumed the charge was indeed corrected .... Only to find out years later that was n't the case. 
I recently had my credit score ran and when reviewing the results I had XXXX late payment out of XXXX payments made. When I saw who the late payment was from I was very upset ... BestBuy, for not making a payment XX/XX/XXXX for a charge that NEVER should of been on my account. I immediately called BestBuy credit services to have this removed because I did n't feel my credit report accurately reflected my BestBuy account, you can see the history was ALWAYS paid on time and that there was no payment made by me in XX/XX/XXXX by me ( the account was credited ). Here 's what I received from BestBuy ... Unfortunately, we are unable to change the information reported to the credit reporting agencies, as it accurately reflects your account history with us. Are you kidding me? 
I called them immediately only to have them say, BestBuy did n't credit your account, we just wrote it off because you 've been a valued credit card holder with BestBuy for XXXX years, and I doing so we ca n't report the account was current. I 'm at a loss ... My initially reaction was to cancel my BestBuy credit card, only to think cancelling a card may also affect my credit score. I know it 's only 1 late payment from XXXX years ago, but it 's the principle of it, BestBuy used words in their letter like " integrity '' and " accurately ''. I think they need to be held accountable yet I exhausted my efforts in doing so with them. I have no receipt because I never took order of anything.