Consumer complaint received 2025-09-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
CFPB COMPLAINT Citibank Credit Card Reporting Issue Company : Citibank , N.A .

Product : Credit Card Issue : Incorrect credit reporting / refusal to report positive performance under hardship plan Complaint Summary I am filing this complaint against Citibank , N.A . regarding inaccurate and misleading credit reporting on my closed Citibank credit card account, despite my compliance with their reduced-interest repayment program.

Background Account : Closed Citibank credit card ( exact number available upon request ). 

Program Enrollment : On XX/XX/XXXX, I entered into a Citibank Reduced Interest Payment Arrangement a 59-month plan at 9.99 % interest, with a $ XXXX monthly payment, designed to help me pay off the account rather than default.

Payment History : As of XX/XX/XXXX, I have made 13 consecutive on-time payments under this arrangement.

Current Balance : {$5700.00} ( continuing to pay as agreed ).

Issue Despite my compliance with this plan, Citibank continues to report my account as : Closed by credit grantor Balance updates monthly Last status showing a 60-day delinquency from XX/XX/XXXX No indication that the account is current, paying as agreed, or in good standing under a modified plan This reporting creates the misleading impression that the account remains delinquent or unresolved, even though I am performing exactly as Citibank required under the repayment program. 

Attempts to Resolve On XX/XX/XXXX, I contacted Citibank multiple times requesting : Confirmation that the account had been re-aged per regulatory guidance Reporting to reflect my current compliance under the plan Citibank refused to escalate my call, and a representative stated that as part of entering the Reduced Interest Program, you agreed that we would not report any of the forbearance information including positive payment history. 

This practice suppresses my credit recovery, despite my good-faith efforts to repay the debt, and keeps punishing me for lates that occurred more than 12 months ago. 

Regulatory Concerns This practice may violate the spirit of the Fair Credit Reporting Act ( FCRA ) and regulatory guidance : FCRA requires furnishers to report information that is accurate and complete.

The FDIC, CFPB, and OCC have issued guidance encouraging creditors to report fairly and help consumers rehabilitate credit after hardship, including reporting accounts as current when a consumer is performing under modified terms ( similar to CARES Act forbearance reporting ). 

By refusing to report my account as paying as agreed, Citibank is creating a misleading credit profile that materially affects my ability to access credit, secure housing, or qualify for better rates.

Citibanks stance essentially penalizes consumers who take the responsible route by entering repayment programs and rewards those who simply default and charge-off the debt.

Requested Resolution I respectfully request that the CFPB require Citibank to : Re-age my account per FDIC/OCC guidelines and report it as current or paying as agreed under a modified arrangement. 

Cease suppressing positive payment history report the 13 months of on-time payments I have made under the arrangement.

Correct my credit report to remove the misleading impression that my account remains 60 days delinquent.

Provide written confirmation that these corrections have been made and that my credit report now accurately reflects my current standing.

Why This Matters I have acted in good faith by entering this plan and consistently paying as agreed. The intent of such programs is to allow consumers to rehabilitate credit and avoid charge-off, not to trap them in a permanently derogatory status.

Citibanks refusal to report positive performance is preventing my credit profile from recovering and is inconsistent with regulatory guidance encouraging fair reporting during hardship arrangements.

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