Consumer complaint received 2026-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
XX/XX/XXXX has been giving me the run around from the start when they first claimed I owed them {$1000.00} as of the beginning of XX/XX/XXXX I purchase a XXXX WASHER? DRYER SET that was on sale for the new year which the washer was defected so I sent that XXXX back and ordered another washer which that was defected as well. So I sent back both the XXXX washer/dryer due to it being defected and choose the XXXX WASHER/DRYER SET along with theXX/XX/XXXXyear warranty for both of {$270.00} a piece for both and I also had purchased a stylish FRONT DOOR WITH OVAL GLASS down the middle and a door knob set which first I decided to do the PROMOTION OFXX/XX/XXXX MONTHS on my HOME DEPOT CREDIT CARD but! decided since I have the money to go ahead and pay in full in cash which the total I paid for them all was {$3300.00}. So when I sent the XXXX set back they had given me a big discount because I had been with XXXX XXXX since XXXX and spent XX/XX/XXXX with them. The amount that was credited back to me was XX/XX/XXXXXXXXSoon after I received the credit back after paying the full amount of {$3300.00} cash I decided to check my account as I always due on my credit cards to make sure there's no fraud. there's a balance of {$1000.00} on my Account that had no balance before that and I had not purchased anything else so I reached out over and over and over again which all they did last was sent a letter saying I didn't send all the info need which that is all I was doing is sending proof and all info that was needed disputing it and placing it under fraud for months paying the {$29.00} minimum and still no help so I closed the account and stopped paying the minimum because I was tired and frustrated from the run arounds and lies. The help I did receive is from a ( XXXX XXXX ) at the store location in XXXX ( XXXX XXXX XXXX ) that also stated and seen that I didn't owe anything and my account should have never had a balance of {$1000.00} and it should be as it was a XXXX balance because myself and ( ) XXXX XXXX and a ( XXXX XXXX by phone ) was having a CONFRENCE CALL BY PHONE at the XX/XX/XXXX store location which ( XXXX XXXX ) agreed that my account was not correct and stated it should have not had a balance at all and she gave me a ( DISPUTE CASE XX/XX/XXXX XXXX ) and to call her by XXXX XXXX and my account will be back at a XXXX balance. I did what ( XXXX XXXX ) SAID and called to speak with her which she assured me all would know whom she was and I called over and over and everyone claimed that they didn't know who ( XXXX XXXX ) was or what department she was in. So they FALSELY ACCUSED OF ME OWEING AND sent it to all of the CREDIT BUREAUS. Now it's on my credit as if I owe and not paying the remainder of the balance they are falsely accusing me of owing because my balance was at a XXXX balance and it's messing up my credit history PLEASE HELP ME!!!!

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 monetary relief