Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint against CBNA for materially inaccurate, misleading, and legally inconsistent credit reporting related to a charged-off credit card account. This complaint is submitted directly by me, the consumer, with no third party or credit repair organization involved. Account Information Creditor : CBNA Account Number : XXXX Account Type : Credit Card Date Opened : XX/XX/XXXX Credit Limit : {$1500.00} Highest Balance : {$2100.00} Current Status : Charged off {$2100.00} written off Charge-Off Date : XX/XX/XXXX Balance Reported : {$2100.00} Scheduled Reporting Until : XX/XX/XXXX CBNA reports this account as charged off and written off, while simultaneously continuing to report the balance as past due. Failure to Issue Required IRS Form 1099-C CBNAs own reporting reflects that this debt has been charged off and written off, which constitutes an identifiable cancellation-of-debt event. Under 26 U.S.C. 6050P and 26 C.F.R. 1.6050P-1, a creditor is legally required to issue IRS Form 1099-C when {$600.00} or more of debt is canceled following a charge-off or similar event. Despite reporting a {$2100.00} write-off, CBNA has failed to issue or provide any Form 1099-C and continues to report the account as delinquent. A creditor can not lawfully : Treat a debt as written off for accounting purposes, Avoid mandatory federal tax reporting, and Continue furnishing the debt as actively past due. If the debt was canceled Form 1099-C is required. If the debt was not canceled charge-off / write-off reporting is false. Either scenario makes the current reporting inaccurate and misleading. Inaccurate and Contradictory Credit Reporting CBNA continues to report escalating delinquency statuses ( 30180 days late ) up to and beyond the charge-off, which contradicts the legal and accounting meaning of a charge-off. This violates Metro 2 reporting standards and falsely represents the legal status of the obligation, creating a materially misleading impression to consumer reporting agencies. Fair Credit Reporting Act ( FCRA ) Violations CBNAs conduct violates the Fair Credit Reporting Act, including but not limited to : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishing information that is inaccurate or materially misleading 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to ensure maximum possible accuracy 15 U.S.C. 1681s-2 ( b ) Failure to conduct a reasonable investigation following dispute 15 U.S.C. 1681c ( a ) Improper continued reporting of legally inconsistent derogatory information Demand for Relief I hereby demand that CBNA take one of the following actions immediately : Delete this tradeline from all consumer reporting agencies due to inaccurate and misleading reporting ; Remove all delinquency history that contradicts the charge-off and write-off status. Absent corrective action, CBNAs continued reporting constitutes willful noncompliance with federal law. This complaint is being submitted to the Consumer Financial Protection Bureau ( CFPB ) for regulatory review and enforcement. Please provide a written response within the CFPB-mandated timeframe.

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