Consumer complaint received 2016-12-22 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
This is a follow up to a memo dated Monday, XXXX XXXX XX/XX/XXXX provided below. 

As of today, XXXX XXXX XX/XX/XXXX @ XXXX XXXX I have AGAIN reviewed my credit report and see NO MODIFICATIONS to the Credit Report surrounding the issues addressed here. I have over Fifty Thousand Dollars of Credit that has been extended by Citi because of my outstanding payment histories. This is NOT REFLECTED in the credit reporting to the Bureau 's and is having a NEGATIVE effect on my credit. Currently as of today I am showing " open '' revolving terms since XXXX/XXXX/XXXX. My PAYMENT STATUS is showing as UNKNOWN. My BALANCE is BLANK ( although there is NEVER A BALANCE ) and my CREDIT LIMIT, AMOUNT PAST DUE and HIGH BALANCE is completely BLANK. My Credit Card statement shows Available credit of over {$50000.00} ( XXXX ) and it is not reflective in my credit report. As such it is NOT PROVIDING A FAIR AND ACCURATE ASSESSMENT OF MY CREDIT SCORE OR CREDIT WORTHINESS. I have contacted Citi over a half dozen times and they continue to tell me that they are reporting it. The Credit Bureau 's claim that the information is accurately reflected from what is being provided. All I am getting is the run around. 

XXXX Monday, XXXX XXXX XXXX Consumer Financial Protection XXXX XXXX XXXX, XXXX XXXX DC. XXXX RE : Formal complaint for Citi & Credit Management Department To Whom It May Concern, Over the past few years I have been working to address inaccuracies within my Citi Credit Card account that have been going unreported on my credit report. The exact same information that has been provided multiple times previously and I have not been able get them to report the true and accurate information as indicated in the attachments. 

I have written multiple letters, certified correspondences and have called no less than a dozen times and ca n't get to anyone who can actually help me. I have requested the service reps to document the notes on the account. Even after XXXX DECADES as a customer, I can not seem to even get someone on the phone to speak to. This is IMPORTANT to report as it is having a NEGATIVE impact on my credit currently and if continues to go unreported it has the potential to cost me thousands if not hundreds of thousands in interest costs over the my remaining working years. 

Again, Citi shows an " Open Account " however, it still IS NOT reporting accurately as it still fails to show my 24-month history, my credit balance, by available credit limits or my payments being on time. All of which have a significant impact on credit scoring. 

Please again consider this letter another formal request for this issue to be investigated immediately and inaccurate information is addressed and modified reflective for the life of the account, so that my true credit history, and subsequent score, is reflected with the XXXX major national credit bureaus. 

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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