Consumer complaint received 2024-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
XXXX XXXX XX/XX/year> I have a Macy 's American Express credit card through Citi Bank. I bank with the Department of the Treasury, which consolidated my credit cards and paid them off before the due dates. The Treasury sent each check directly to the company. All creditors received their checks via the XXXX XXXX that was given. All creditors updated my accounts as paid in full. My bank sent all checks out on XX/XX/year>. Each company had received and posted payments paid in full to my accounts by XX/XX/year>. I noticed the only company not posting to my account was Macy 's. I called Macy 's customer service to verify if they received the check. They said they had not. I continued to call each day, repeatedly explaining which XXXX XXXX the check was sent to. Customer service verified that the XXXX XXXX. XXXX was correct each time, and they had not received the payment. I was told by the representative to give it a few more days each day I called. I sent a copy of the XX/XX/year>, check that the Treasury sent to Macy 's XXXX XXXX XXXX along with the USPS tracking number to which the check was delivered. The check was delivered to the XXXX XXXX XXXX XX/XX/year>. After calling every day until XX/XX/year>, the Treasury Department Bank canceled the check from XX/XX/year>, and issued another check on XX/XX/year>. Macy 's customer service representative had given me a different XXXX XXXX to which the Treasury could send the check. 
On XX/XX/XXXX, my account was listed as paid in full for {$9400.00}. This was correct, and I was elated that this would reflect positively on my credit reports. 
My credit reports have been without late payments. I had excellent credit before this issue with Macy 's. I learned that Macy had reported me as 30 days late on the payment for the month of XXXX after trying to refinance my vehicle with my bank, the Treasury. The reason for not granting me a refinance was due to late payment reflected on my credit reports. My Macy 's payment was due on XX/XX/XXXX. I contacted Macy 's to dispute the XXXX payment they had reported to all three credit bureaus, and their response was to send them all the documents. I uploaded and sent the Treasury 's email and the XX/XX/year> check, along with the USPS tracking number and email detailing the payment delivered to their XXXX XXXX XXXX XX/XX/year>. I uploaded the XXXX check sent on XX/XX/year>, along with the USPS tracking number. Macy 's refuses to remove the XX/XX/year> late payment from all three credit bureaus. Macy 's is making it my fault they never checked the XXXX XXXX to retrieve the XX/XX/year> payment, which was the first check the Treasury Department sent them. Macy 's continues to send me emails stating the payment was posted. My dispute is about the reporting of 30 days late that they are reporting to all three bureaus. My dispute isn't about the {$9400.00} posting to my account. 

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