Consumer complaint received 2024-05-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I am a consumer for a Best Buy Citibank card ending in XXXX In XX/XX/XXXX I made a payment on my Best Buy Citibank card just like I always do you can see that the payment was made on time, and they did not apply it Date of Payment : XX/XX/XXXX Payment Posted by Citibank on : XX/XX/XXXX Upon this error I notified Best Buy Citibank via my consumer portal, and they refunded the late payment and apologized due to a new payment processing vendor ( see attachment of written communication with Best Buy via digital portal ) The following month in XX/XX/XXXX I was notified by Citibank that my payment was late. 
I knew it was not and likely an error. I requested the check verification from my bank and once again notified Best Buy Citibank in writing through the consumer portal that this was their operational error as the bank verified that Check No : XXXX was processed, deposited and cleared by XXXX Citibank US NA. 

Due to operationally inefficiencies Citibanks consumer portal does not allow for consumers to send in real time documentation related to an issue or provide physical documentation via upload. You will see thirty-three ( 33 ) written notifications from myself, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, through XX/XX/XXXX, where I am asking for Citibank to investigate the situation, allow for me to provide the documented proof ( that I had to get for them since they couldnt find my payment they already deposited and had not applied to my account ). 

They responded to fax them or send it in the mail seriously in XXXX and knowing the back-end technology of XXXX - Citibank is making and/or creating obstacles for consumers to resolve issues and with written documentation this is against the fair credit reporting act as they should have been escalated this operational issue with the written proof the payment was made and corrected immediately. 

Instead, they reported me as being late to all three credit reporting agencies impacting both my credit scores as well as they decreased my line of credit due to their operating error. 

For the record I provided them with these details in writing since they did not provide a consumer portal digital upload option to support operational errors/omission escalations for their consumers : Check Date : XXXX Check No. : XXXX Check Amt : {$500.00} Citibank deposited this check on : XXXX ( as clearly stated on the back of the check ) XXXX XXXX XXXX XXXX XXXX ( code after date ) XXXX Citibank US NA XXXX On XX/XX/XXXX, Citibank send me a letter via this same consumer portal for my Citibank Best Buy card that they found my {$500.00} payment from XX/XX/XXXX and since applied it to my account. It shows up in the XXXX statement with a date of XX/XX/XXXX, processing date even though it took 90+ days for this company to find the payment. 

Upon this notification I was concerned this was a systemic issue with the processing of payment and performed my own audit to find just that scenario. You will find in my extensive documentation that Citibank knew this was an issue there are four ( 4 ) separate scenarios where they have lost my payment and then applied it at a later date to my account. 

XX/XX/XXXX Payment was made on XXXX Amount {$400.00} Citibank charged me erroneously for a late fee and have yet to reverse it after they found the payment on XX/XX/XXXX and applied it to my account ( you will see this in the statement for XXXX ) and then back dated the lost payment to XX/XX/XXXX XX/XX/XXXX Payment was made on XXXX Amount {$100.00} Citibank charges me a fee of {$1.00} this month ( not sure for what as I am on an interest free promotion ) XX/XX/XXXX, Citibank finds the lost payment that has already been deposited per my bank and then applies it to my account and back dates it to XX/XX/XXXX. 

XX/XX/XXXX Payment was made on XXXX Amount {$300.00} Citibank charged me a {$29.00} late fee that has yet to be reversed THIS PAYMENT IS STILL NOT POSTED TO MY ACCOUNT It has now been 5.5 months since this payment was paid, withdrawn from my account, deposited by Citibank and yet not posted to my account XX/XX/XXXX Payment was made on XXXX Amount {$500.00} Citibank charged me for various fees and have not fully reversed these as you will see in my full audit of this systemic issue with Citibank Best Buy payment processing Although this situation is what has shed light that there is a larger issue at Citibank, I still have a missing/lost {$300.00} payment that Citibank has not applied to my account from XXXX, and it took three months for Citibank to find the lost/missing payment from XXXX. 

I need this very serious issue corrected as this has been a continuation for over 90 days that has impacted me personally through false reporting to three separate consumer reporting agencies. 

Actions requested immediately and expeditiously by Citibank : 1. Find and apply the {$300.00} missing payment from XXXX to my account immediately 2. written proof that all three separate agencies have been notified 3. written proof of response from all three agencies to Citibank that they have taken this error/lie in Citibanks reporting off all three of my credit report immediately 4. written proof that you will not send a statement to the credit reporting agencies that I disagree ( as your letter to me states ) but that you own your mistake, and you correct the error 5. all promotional offers terminated due to erroneous non-payment but instead due to Citibanks operational issues of non-application to a deposited check be re-established immediately 6. all interest assessed to my account due to the termination of promotion ( no interest ) purchases be refunded immediately this is a total of {$140.00} that is to be credited immediately 7. all late fees and/or other fees be credited to my Citibank account immediately due to this operational error 8. a full apology to me the consumer for Citibank not taking this seriously or providing me a real-time digital way to supply documentation 9. a full apology for impact to my credit reporting 10. a full apology for the impact to my family long term due to your error in reporting 11. a full apology and commitment to do better with modern technology options that will support Citibank consumers 12. re-establish the prior line of credit as you decreased my line of credit due to non-payment which is not true and/or factual and instead was the cause of Citibank operational error and omission 13. a commitment to utilize the amazing technology that Citibank is known and provide options in real-time for consumers where there are issues and/or errors found vs pushing them to analogue and/or antiquated fax and mail options that can deter intervention and real-time resolutions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief