Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Here is the letter that Ive mailed to Wayfair / CNBA. 

XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, WA XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX To Whom It May Concern : RE : Urgent Dispute of Credit Reporting Inaccuracy XXXX XXXX / Wayfair Credit Card I am writing to formally file a complaint regarding a serious and damaging issue stemming from my XXXX XXXX / Wayfair credit account. Despite fulfilling my financial obligation in full and on time, I am now suffering a drop of over XXXX points on my XXXX score due to what I believe is an unjust and predatory credit reporting practice. 

Background of Incident On XX/XX/XXXX, at approximately XXXXXXXX XXXX I paid my full account balance of {$690.00} using the CNBA Wayfair Automated Toll-Free Number. Despite this, the payment was not processed on my account until XX/XX/XXXX. A whole 9 days after I made the payment over the phone which was on the due date because I setting phone alarm to make this full balance payment after work that day. 

Without my knowledge, my account was then charged a {$39.00} late fee, which accumulated interest, leading to a late payment being reported to all major credit bureaus. This incident occurred despite my having paid the full balance on the due date, which I do not believe would be sufficient and sound business based on industry norms and basic fairness. 

Actions Taken I called Wayfair/Capital XXXX in early XXXX upon receiving a notice that my account was past due in the amount of approximately {$82.00}. The supervisor I spoke with confirmed that the issue stemmed from the delay in payment posting, not any error or delay on my part. Even though I was not at fault ( which Ill further expound upon later ) I asked about a standard grace period before punishing consumers with late fees, which many reputable institutions offer, and was told none exists with their company.. 

The supervisor acknowledged the situation and, after reviewing my account and credit history, agreed to waive the late fee and the associated interest ultimately assuming the mistake / responsibility to correct. I was assured verbally that the negative late payment notation on my credit reports would be removed, since they were accepting responsibility for not processing the full balance payoff in a timely manner. 

Despite their verbal commitment, no action was taken. In XX/XX/XXXX, I noticed my XXXX score dropped from XXXX to XXXX a devastating decrease caused solely by this XXXX false late payment now reported by this account. I immediately followed up again and was told my issue would be escalated to underwriting, and I would receive a response within XXXX hours. I have yet to hear anything back, and now that my account is closed ( which I requested during the last call to them, I can no longer even reach a representative to follow up. 

Impact The consequences of this single, unjustly reported late payment have been catastrophic. I am now facing denials and delays in business funding, despite a long-standing history of perfect credit. This drop in score is in direct contradiction to the agreement and assurances I received from Wayfairs own supervisory representatives. 

All The Best. 


Sincerely, XXXX XXXX XXXX ( I have documents that can be scanned and emailed )

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