Consumer complaint received 2026-01-24 00:00:00
Product: Credit card — Store credit card
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.
State: LA

Complaint narrative:
b'Reference:\XXXX XXXX XXXX XXXX XXXX XXXX XXXXnDisputing Credit Bureau Reporting by Dillards\nDillards account: XXXX XXXX XXXX XXXX \n\nTo Whom It May Concern:\n\nOn XXXX I made a payment of $XXXX to Dillards. The payment was made using XXXX  Bank\'s bill pay option and processed by Dillards on XXXX. This payment was the amount due on the account as of XXXX.\n\nShortly after, I received my XXXX  statement from Dillards, showing that the new balance on the account was $XXXX. Since I had made a payment to Dillards on XXXX, I questioned why the $XXXX  payment was still due? There was no notice by mail or phone of Dillards returning the payment.  I reached out to Dillards and after several phone calls to Dillards about my statement, the XXXX XXXX statement then showed a XXXX  balance. There was a note about a temp credit for the $XXXX, but no explanation as to why the payment was returned.\n\nI then received Dillard\'s XXXX  statement, which showed a new balance of $XXXX. These charges included the $XXXX charge (because of the returned check), other purchases of $XXXX and an interest charge of $XXXX. I then reached out to Dillards by phone and made a payment of $XXXXXXXX and believed the matter was settled.\n\nAt this time, I also noticed that my credit score with XXXX  had dropped to under XXXX  because Dillards reported I was late on the XXXX  payment. Again, the payment was made timely but RETURNED by Dillards. I asked Dillards to correct the Credit Bureau reporting.\n\nOn XXXX XXXX. I received a letter from Dillards stating it would not take care of its fraudulent reporting of my payment history to XXXX, one of the three reporting credit agencies. My credit score with XXXX  dropped by more than XXXX  points because of Dillards inability to properly process my payment/s. I am requesting that Dillards properly process my payment history with it, and, report to XXXX  and other credit agencies that I have made all my payments in a timely manner. \n\nToday I received another letter from Dillards stating it would NOT correct its credit reporting error.\n\nPlease note that on my XXXX XXXX Dillards statement I now have a "credit of $XXXX." I am not certain why this credit appears.\n\nHere is a listing of what happened on our XXXX  credit reports because of Dillards inability to process timely payments:\n\nThis is data from XXXX for my wife\'s account:\nXXXX XXXX--Score flagged Dillards 30 days past due\nXXXX XXXX-XXXX  score decreased XXXX  points\n*XXXX XXXX--XXXX  score increased XXXX  points\n*XXXX XXXX score DECREASED XXXX points\n*Credit score corrected by Dillards\n**why since there was no other activity on the account\n\nThis is data from XXXX for my account:\nXXXX XXXX--Score flagged Dillards 30 days past due\nXXXX XXXX Score decreased by XXXX  points\nXXXX XXXX--Dillards/CBNA flagged your account as not more than two payments past due.\nXXXX XXXX--Your credit rating changed from Exceptional to good.\n*XXXX XXXX--Your credit rating changed from Good to Exceptional\n**XXXX XXXX--Your credit ration changed from Exceptional to Good.\n*Credit score corrected by Dillards\n** why since there was no other activity on the account\n\nAs one can read, if Dillards had properly processed the XXXX XXXX payment, the account would have remained in good standing. The return of my XXXX XXXX  payment without explanation was the only contributor to the so-called "late payment." Again, this payment was made timely and Dillards faulty handling of our account should not penalize my wife and me.\n\nFinally, we have had a DillardsXXXX XXXX credit card for more than 20+ years. For Dillards to handle a long-time customer with its bogus credit reporting is sad. There are plenty of options to make a purchase without using a Dillards Credit Card. We really do not need a Dillards CC if this is the way it treats customers.\n\n\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX

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 explanation