Consumer complaint received 2025-10-21 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: CA

Complaint narrative:
REBUTTAL AND REQUEST FOR XXXX XXXX Dear XXXX Response Unit and CFPB Case XXXX : This correspondence constitutes a formal rebuttal to XXXX XX/XX/XXXX letter, in which the bank declined to adjust the late fee or correct the delinquency reporting on my XXXX XXXX Consumer Credit Card account. The findings in that response are incomplete and inconsistent with federal consumer protection regulations. 



1. Payment Was Timely Received and Should Not Have Been Reported as Late Citibanks letter acknowledges that my minimum payment due XX/XX/XXXX was received by the bank prior to the due date but later returned. Under 12 C.F.R. 1026.10 ( b ) ( 1 ) ( Regulation Z Prompt Credit of Payments ), a payment received by the creditor by the due date must be treated as timely, even if subsequently reversed for internal reasons unrelated to the consumers conduct. 
The account therefore should not have been classified as past due as of XX/XX/XXXX. 



2. Failure to Provide Required Notice of Return or Opportunity to Cure Regulation Z further requires that, if a payment is returned for any reason, the creditor must provide prompt notice and a reasonable opportunity to cure before imposing any late fee or negative credit reporting ( 12 C.F.R. 1026.10 ( c ) ). I received no contemporaneous written or electronic notice explaining the reason for the return or giving an opportunity to re-submit payment before the account was reported delinquent. 



3. Incomplete and Unreasonable FCRA Reinvestigation Citibanks response states that it reviewed our records and confirmed the information was reported correctly. Under 15 U.S.C. 1681s-2 ( b ) ( FCRA ), a furnisher must conduct a reasonable reinvestigation that includes reviewing all information provided by the consumer and verifying the factual accuracy of the reported event. 
Merely confirming internal records without verifying the return reason code, posting sequence, and notice timeline does not satisfy this standard. 



4. Requested Actions I formally request the following corrective measures within 30 days : 1. Full reinvestigation of the alleged XXXX  XX/XX/XXXX delinquency, including documentary verification of the return reason and any consumer notice issued ; 2. Removal of the late-payment notation from all credit bureau reporting if proper notice and cure opportunity can not be substantiated ; 3. Reversal of the related late fee under Reg. Z 1026.10 ( e ) ( 1 ) ; and 4. Written confirmation to both me and the CFPB upon completion of reinvestigation. 



5. Notice to CFPB This rebuttal requests that the CFPB reopen or expand its investigation to include Citibanks potential non-compliance with Regulation Z 1026.10 ( b ) ( c ) and FCRA 1681s-2 ( b ). 



Respectfully, __________________________________ XXXX XXXX Consumer Complainant Enclosure : Citibank letter dated XX/XX/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