Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
What CITI Card is doing to me is disgusting! 

I've been a XXXX XXXXXXXXXXXX XXXX XXXX XXXX  all with lending and consumer lending with the public. I analyze credit reports and guide people, with lending authority to decision loans up to $ XXXX. 

Summary/Overview : I have two CITI Cards . One is a regular CITI Mastercard, the other a CITI card with Sears. 

Regular CITI Card ending in # XXXX CITI/ Sears Card ending in # XXXX I had a minuscule balance due for XXXX, XXXX of {$7.00}. 

I made a mistake and paid the {$7.00} on the wrong CITI card. It should have gone to the CITI/Sears Card but I made it to the regular CITI Mastercard . 

XXXX, XXXX I received my bill/statement from the CITI XXXXears card showing a late fee, so a new balance of {$8.00}.

I paid it Immediately. A late fee so my payment was {$8.00}.

I checked my credit reports from all three major bureaus and this one 30 day late payment for {$7.00}, for XXXX I believe, dropped my credit score by XXXX points! My score previous to ths was XXXX and it dropped to XXXX! 

I contacted and spoke to a representative at the phone number on my CITI/Sears Card .

I explained that I made a mistake and paid the {$7.00} to the wrong CITI Card as I have two. I told her it was 100 % my error. I requested a " Goodwill '' gesture for a good customer of 26 years, to remove the 30 day late from all three credit bureaus.

She took all my information and all details of the situation.

I received a postal letter ( attached ) from Sears/CITI Card XXXX XX/XX/XXXX that an " Investigation '' was completed and CITI had made no mistakes, so the 30 day late report will remain on my credit reports with all three agencies. XXXX XXXX, XXXX and XXXX. 

I KNEW this would be their finding as I ADMITTED to the representative who took all the information and details of the incident that is was in fact MY error.

Clearly CITI paid no attention whatsoever to my filed requst/complaint details.

The letter ( attached here ) states not just the denial of my request, but also that they will put a " Customer Dispute '' note on the credit reports. I do not want that on my report.

My being in the role of an upper lever management Banking officer my whole career, I know there are times when exceptions should be made when appropriate, for great customers. Common sense. 

Apparently, CITI Card thinks differently!

I want CITI to remove the 30 day late from my credit reports with the three above mentioned bureaus.

I've NEVER had a single late payment to ANY of my creditors my entire life. Mortgages, car loans, credit cards, home equity loans, etc... 

For CITI to not help me and allow my credit score to drop 44 points for one 30 day late is DISGUSTING.

Both of my CITI Cards have been open and spotless for over 26 years or so.

Given my extensive career in Banking, I knew you were the bureau to contact.

I can give CITI extremely bad press with the general public, as well as my many Banking industry contacts. That need not be the case, rather, I would say the opposite, if they would do the " right thing '' and take care of me. 

I thank you very much and will await a reply stating that the 30 days late was removed with all three credit bureaus I've noted above, as well as the " Customer Dispute '' statement, CITI may have noted on my credit reports which were all spotless! 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT 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 explanation