Consumer complaint received 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
Company : Citibank Citicards CBNA Product : XXXX XXXX XXXX XXXX  ( account number ending in XXXX ) Date of Issue XXXX XXXXXX/XX/year> Summary : Improper credit reporting and violation of Fair Credit Reporting Act after voluntary account closure and payment plan communication WHAT HAPPENED... 
I am filing this complaint because Citibank Citicards CBNA improperly reported my credit card account as XXXX  days late to all three major credit bureaus ( XXXX, XXXX, and XXXX  ), even though I had voluntarily closed the account and was actively working with them to establish a payment plan in good faith. 

I had previously been enrolled in a payment plan through XXXX XXXX XXXX, a nonprofit debt management organization that was helping me manage and repay my creditors in full. XXXX informed me that my XXXX payment plan with Citibank Citicards CBNA was no longer valid and that they would contact me directly to set up a new payment arrangement. 

I was waiting for Citibank Citicards CBNA to reach out to finalize the new arrangement. In the meantime, I contacted Citibank myself and was offered a settlement for less than the full balance. I explicitly declined that settlement offer because I wanted to pay the account in full to avoid any negative reporting to the credit bureaus. I made it clear to Citibank Citicards CBNA that I was ready and willing to make payment in full once the new arrangement was established. 

Despite this, I never received any follow-up communication from Citibank Citicards CBNA before they reported me as XXXX  days late on my credit report. After discovering this reporting, I immediately contacted Citibank Citicards CBNA. A supervisor I spoke with acknowledged at Citibank Citicards CBNA that this should not have occurred. She confirmed that she would file an internal dispute because Citibank Citicards CBNA should not have reported a XXXX late payment for an account that was voluntarily closed and for which no new agreed-upon payment arrangement had been established after the XXXX plan ended. 

The Citibank Citicards CBNA XXXX further stated that it was not possible for Citibank Citicards CBNA to report a XXXX late payment for a disclosed amount when there was no current agreement or disclosed amount due following the discontinuation of the XXXX plan and closed account. This clearly indicates that the late payment reporting was inaccurate and unjustified. She also informed me that the next proper step is for the account to go to collections which would not have reported any late payments right away and that I would have had the opportunity to set up a new plan or arrangement. 

WHY THIS IS A VIOLATION... 
XXXX actions appear to violate multiple federal consumer protection laws : XXXX. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Furnishers of credit information are prohibited from providing data to consumer reporting agencies if they know or have reasonable cause to believe that the information is inaccurate. 

XXXX. FCRA 1681s-2 ( b ) : Upon receiving notice of a dispute from either a consumer or a credit bureau, furnishers are required to conduct a reasonable investigation and correct or delete inaccurate or unverifiable information. 

XXXX. Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 ( a ) : Prohibits any unfair, deceptive, or abusive acts or practices ( UDAAP ) in connection with consumer financial products and services. Misrepresenting the status of a voluntarily closed account and reporting a false delinquency constitutes an unfair and deceptive act. 

XXXX. Equal Credit Opportunity Act ( ECOA ), 15 U.S.C. 1691 et seq. : Citibanks handling of this matter may also violate ECOAs provisions prohibiting unfair treatment of consumers attempting to make voluntary arrangements to pay their accounts in full. 

Reporting a consumer as delinquent on a voluntarily closed account during an active attempt to establish a payment plan is both false and materially misleading. It causes direct and significant harm to the consumers credit standing and reputation. 

WHAT I AM REQUESTING... 
I respectfully request that the Consumer Financial Protection Bureau require Citibank Citicards CBNA to : Immediately delete the XXXX late payment notation from my credit reports with XXXX, XXXX, and XXXX. 

Provide written confirmation to me that the correction has been made and that no further negative information related to this account will be furnished. 

Review Citibank Citicards XXXX XXXX  policies and training regarding postdebt management program handling and credit reporting accuracy. 

DAMAGES AND NEXT STEPS... 
The inaccurate reporting by Citibank Citicards CBNA has caused measurable harm to my credit score and reputation, affecting my ability to obtain new credit, housing, and insurance at fair rates. If Citibank Citicards CBNA fails to promptly correct this inaccuracy, I intend to pursue all available legal remedies, including a private right of action under FCRA 1681n and 1681o, which provide for actual, statutory, and punitive damages, as well as attorneys fees and costs. 

This issue demonstrates a failure by Citibank Citicards CBNA to follow proper credit reporting standards and to treat consumers fairly during good-faith repayment efforts. I urge the CFPB to investigate and enforce compliance with federal consumer protection laws. 

SUMMARY OF REQUESTED RESOLUTION... 
I am requesting : Immediate deletion of the XXXX late payment from all credit bureaus. 
Written confirmation of correction. 
Assurance that no additional negative reporting will occur. 
CFPB oversight and enforcement regarding Citibank Citicards XXXX XXXX  credit reporting practices.

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