Consumer complaint received 2026-07-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Dear Citibank Customer Service, I am writing to request a formal review of my hardship payment agreement and the reporting of my account ending in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, my account balance was XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXX past-due balance of {$340.00} XXXX XXXX XXXX XXXX XXXX XXXX over-limit amount of {$280.00} XXXX XXXX On XXXX XXXX XXXX XXXX XXXX XXXX XXXX I entered into a hardship payment agreement with Citibank requiring payments of XXXX XXXX {$210.00} per month for 60 months XXXX XXXX Based on the total balance of XXXX XXXX XXXX$12000.00} XXXX XXXX XXXXhe agreed payment of {$210.00} per month appears to represent repayment of the entire balance over the XXXX term. Because of this, I understood that * * {$210.00} * * was my required monthly payment under the hardship agreement. However, my XXXX XXXX XXXX XXXX XXXX XXXX statement reflected a XXXX XXXX minimum payment of {$490.00} XXXX XXXX and an XXXX XXXX over-limit amount of {$69.00} XXXX XXXX Since the account had already been closed under the hardship program, I do not understand why it continued to show an over-limit amount. I contacted Citibank and requested that the statement be corrected, but no correction was made. My XXXX XXXX XXXX XXXX XXXX XXXX XXXX statement then reflected a XXXX XXXX minimum payment of {$710.00XXXX XXXX XXXX, even though I have continued making the required hardship payments. I was never informed that entering into the hardship agreement would result in my account continuing to show minimum payments that exceeded the agreed payment or that it would continue to be reported as past due while I complied with the agreement. I respectfully request a written explanation of : * How the XXXX minimum payment of XXXX XXXX XXXX$490.00} XXXX XXXX and the XXXX minimum payment of XXXX XXXX XXXX$710.00} XXXX XXXX were calculated. XXXX Why the account continued to show an over-limit amount after it was closed. * Why my account has been reported as past due while I have been making the agreed hardship payments. * Whether the hardship agreement changed my required monthly payment to XXXX XXXX {$210.00} XXXX XXXX and if so, why my statements do not reflect that amount. I entered into this hardship agreement in good faith and have honored my obligation by making the required monthly payments. I respectfully ask Citibank to review this matter and correct any inaccurate statements or credit reporting. If Citibank determines that its reporting is accurate, I request a detailed written explanation supporting that determination. If this matter can not be resolved, I intend to submit a complaint to the Consumer Financial Protection Bureau for an independent review. Thank you for your prompt attention. I look forward to your written response. Sincerely, XXXX XXXX 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 non-monetary relief