Consumer complaint received 2020-09-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
CFPB Orders Citibank to Provide Relief to Consumers for Illegal Debt Sales and Collection Practices XX/XX/XXXX CFPB Director XXXX XXXX. Todays action provides redress to consumers who were victimized by slipshod practices as part of our ongoing work to fight abuses in the debt collection market. 

Citibank sent inaccurate information to buyers when it sold off credit card debt and it also used law firms that altered court documents, said CFPB Director XXXX XXXX. 

Recently I received a copy of all three of my credit reports in relationship to my application for a XXXX XXXX. In the report I found a page that contains the listing of my account with Macys/DSNB. Showing the account had been closed, with a balance owing? Find a copy of this page attached here. 

I recognized the account listed as being mine, but I havent used the card in quite a long time? So I called Macy 's to inquire about this recent activity? Where the only option provided to me by Macys was to say, send us full payment first. Only then, at my request, would they provide me with information in support of the charges they claimed I owed at some time weeks into the future. 

I presented this conversation to the Lender Im working with and was advised that the best thing for me to do was to go ahead and pay off the debt. With the belief that in doing so would advance my loan application I did what she had advised. 

Only afterwards did I start to look into any of this on my own. Where I learned that regardless of my credit report listing DSNB as the lender on my credit card, they are in fact wholly owned by Citibank ; Department Stores National Bank to Pay $ XXXX For Charging Fees on Collection Accounts Published on : XXXX XX/XX/XXXX at XXXX XXXX. EST As part of a larger Consumer Financial Protection Bureau XXXX CFPB ) enforcement action announced today against Citibank , N.A., Department Stores National Bank ( a Citibank subsidiary ) will pay {$23.00} XXXX for deceptively charging expedited payment fees to nearly XXXX XXXX consumer accounts during collection calls. 

With this new information in mind I called my bank the day following the payment to Macy 's requesting that they reverse the payment. As Macys had refused to comply with my request for information on the account and the corresponding charges. Knowing that I refuted these charges Macys refused to provide the information Id requested until I made full payment to them in advance. 

Im now convinced that Macys/ DSNB/Citibank have intentionally closed the oldest credit card account I have. Which adversely effects my credit rating and credit scores. That they have done this without redress of any kind for a consumer and client of some 31 years. By refusing to provide any supporting documentation with full knowledge of my rebuttal to the charges theyve claimed.

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