Consumer complaint received 2020-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
HOME MAIL NEWS FINANCE SPORTS ENTERTAINMENT LIFE MORE Download the XXXX XXXX app XXXX XXXX XXXX XXXX Compose Inbox 999+ Unread Starred Drafts 179 Sent Archive Spam Trash Less Views Show Folders Hide New Folder Saved Atty Gen Back Archive Move Delete Spam Re : Automatic reply : Your Citi Inquiry - XXXX  XXXX XXXX Sent XXXX XXXX XXXX To : Citi Executive Response Unit Fri, XXXX XXXX at XXXX XXXX  Thank you for your time and efforts to hear my response to your CBFP response to me. I understand that I made this mistake. I am very sorry. It was not intentional. I am extremely stressed that I made this horrendous mistake. 

I reviewed my Citi emails. Many junk emails, some confirmations and many auto pay reminders. I did find 2 Citi First emails. I get hundreds of emails and try to watch for what is important and what is junk, Citi junk included. I did not determine these 2 emails as important. Looked like most Citi email junk. I again, am very sorry I missed the payments and emails. 

I also went through my bank statements, Citi Double were  autopay monthly. My statement does not distinguish accts. Odd amounts to CITI that I do not know were paid to which account. 
XX/XX/XXXX {$390.00} XXXX {$730.00} XX/XX/XXXX {$300.00} XX/XX/XXXX {$1200.00} When I realized my mistake I immediately Paid., Both my accounts are fully paid. You have been made whole with my apologies. My mistake was not intentional and was only late. I do not have voicemail on my phone. Numbers I do not know, I do not answer. I most often go to my computer and search the number calling. Citi Scams are plenty. It is hard to determine scams received y mail, email and phone. This is not something you are promoting but, they reflect your credibility and your customers. Scam phone calls are sometimes alerted on my phone. I either had one of these calls from CITI or I confused it with many others. 

Again, I ask forgiveness for this mistake and would very much appreciate your understanding. You are paid in full with no loss of dollars, just time. I explained my XXXX XXXX and the difficulties I suffer and that is no excuse but hopefully a consideration. It is my opinion that America in crisis is not a good time to be focused on money when there is so much death and hardships. Hopefully we can remedy my credit report with an apology and acceptance in the spirit of goodwill and fair. 

Have you reviewed my credit report? I try very hard to keep my credit " clean. '' The Citi derogatory report is much more harmful to me than you. I do hope you will make me whole as I have you. There is blame on both sides. Not catastrophic or life threatening. A simple mistake. I hope we can resolve this with my apology. I do not want to take any further efforts but, I will protect myself and my credibility. 

I know you do not work with the XXXX  but, I have to protect myself. With no response to the XXXX  I will consider legal support. I will also have to file a new CFPB complaint. I hope we are able to move on with a not perfect but with goodwill and both of us satisfied. 

Apologies! 
XXXX XXXX Clever Scam Calls Claim to be Citibank XXXX XXXX Clever Scam Calls Claim to be Citibank | XXXX  Protect Yourself from Scams - Citibank Protect Yourself from Scams - Citibank Fraud Center | Protect Yourself from Fraud | Citi.com - Citibank Fraud Center | Protect Yourself from Fraud | Citi.com - Citibank Find out how Citi protects your accounts against identity theft and fraud with useful security tools, customized ... 


XXXX XXXX XXXXcitibank Scam Alert : CitiBank Phishing Emails & Phone Calls - AllClear ID Scam Alert : CitiBank Phishing Emails & Phone Calls - AllClear ID XXXX here XXXX with the AllClear Investigation team. Most people are well aware of the variety of phishing scams out ... 




XXXX : XXXX On Wednesday, XX/XX/XXXX, XXXX XXXX  PDT, Citi Executive Response Unit XXXX wrote : Thank you for contacting Citibank 's Executive Response Unit. 

Your communication has been received and will be reviewed with the highest priority. 

Please be advised that our business hours are XXXX XXXX  to XXXX XXXX. CT, Monday to Friday, excluding holidays. 















HOME MAIL NEWS FINANCE SPORTS ENTERTAINMENT LIFE MORE Download the XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX 999+ Unread Starred Drafts 179 Sent Archive Spam Trash Less Views Show Folders Hide New Folder Saved Atty Gen Back Archive Move Delete Spam Re : Automatic reply : Your Citi Inquiry - XXXX  XXXX XXXX Sent XXXX XXXX XXXX To : Citi Executive Response Unit Fri, XXXX XXXX at XXXX XXXX Thank you for your time and efforts to hear my response to your CBFP response to me. I understand that I made this mistake. I am very sorry. It was not intentional. I am extremely stressed that I made this horrendous mistake. 

I reviewed my Citi emails. Many junk emails, some confirmations and many auto pay reminders. I did find 2 Citi First emails. I get hundreds of emails and try to watch for what is important and what is junk, Citi junk included. I did not determine these 2 emails as important. Looked like most Citi email junk. I again, am very sorry I missed the payments and emails.

I also went through my bank statements, Citi Double were autopay monthly. My statement does not distinguish accts. Odd amounts to CITI that I do not know were paid to which account. 
XX/XX/XXXX {$390.00} XXXX {$730.00} XX/XX/XXXX {$300.00} XX/XX/XXXX {$1200.00} When I realized my mistake I immediately Paid., Both my accounts are fully paid. You have been made whole with my apologies. My mistake was not intentional and was only late. I do not have voicemail on my phone. Numbers I do not know, I do not answer. I most often go to my computer and search the number calling. Citi Scams are plenty. It is hard to determine scams received y mail, email and phone. This is not something you are promoting but, they reflect your credibility and your customers. Scam phone calls are sometimes alerted on my phone. I either had one of these calls from CITI or I confused it with many others.

Again, I ask forgiveness for this mistake and would very much appreciate your understanding. You are paid in full with no loss of dollars, just time. I explained my XXXX XXXX and the difficulties I suffer and that is no excuse but hopefully a consideration. It is my opinion that America in crisis is not a good time to be focused on money when there is so much death and hardships. Hopefully we can remedy my credit report with an apology and acceptance in the spirit of goodwill and fair.

Have you reviewed my credit report? I try very hard to keep my credit " clean. '' The Citi derogatory report is much more harmful to me than you. I do hope you will make me whole as I have you. There is blame on both sides. Not catastrophic or life threatening. A simple mistake. I hope we can resolve this with my apology. I do not want to take any further efforts but, I will protect myself and my credibility.

I know you do not work with the XXXX  but, I have to protect myself. With no response to the XXXX  I will consider legal support. I will also have to file a new CFPB complaint. I hope we are able to move on with a not perfect but with goodwill and both of us satisfied. 

Apologies! 
XXXX XXXX Clever Scam Calls Claim to be Citibank XXXX XXXX Clever Scam Calls Claim to be Citibank XXXX XXXX Protect Yourself from Scams - Citibank Protect Yourself from Scams - Citibank Fraud Center | Protect Yourself from Fraud | Citi.com - Citibank Fraud Center | Protect Yourself from Fraud | Citi.com - Citibank Find out how Citi protects your accounts against identity theft and fraud with useful security tools, customized ... 


XXXX XXXX XXXXcitibank Scam Alert : CitiBank Phishing Emails & Phone Calls - AllClear ID Scam Alert : CitiBank Phishing Emails & Phone Calls - AllClear ID XXXX here XXXX with the AllClear Investigation team. Most people are well aware of the variety of phishing scams out ... 




XXXX : XXXX On Wednesday, XX/XX/XXXX, XXXX XXXX  PDT, Citi Executive Response Unit  XXXX wrote : Thank you for contacting Citibank 's Executive Response Unit. 

Your communication has been received and will be reviewed with the highest priority. 

Please be advised that our business hours are XXXX XXXX  to XXXX XXXX. CT, Monday to Friday, excluding holidays. 














HOME MAIL NEWS FINANCE SPORTS ENTERTAINMENT LIFE MORE Download the XXXX XXXX   app XXXX XXXX  XXXX XXXX Compose Inbox 999+ Unread Starred Drafts 179 Sent Archive Spam Trash Less Views Show Folders Hide New Folder Saved Atty Gen Back Archive Move Delete Spam Re : Automatic reply : Your Citi Inquiry - XXXX  XXXX XXXX Sent XXXX XXXX XXXX To : Citi Executive Response Unit Fri, XXXX XXXX at XXXX XXXX Thank you for your time and efforts to hear my response to your CBFP response to me. I understand that I made this mistake. I am very sorry. It was not intentional. I am extremely stressed   that I made this horrendous mistake. 

I reviewed my Citi emails. Many junk emails, some confirmations and many auto pay reminders. I did find 2 Citi First emails. I get hundreds of emails and try to watch for what is important and what is junk, Citi junk included. I did not determine these 2 emails as important. Looked like most Citi email junk. I again, am very sorry I missed the payments and emails.

I also went through my bank statements, Citi Double were autopay monthly. My statement does not distinguish accts. Odd amounts to CITI that I do not know were paid to which account. 
XX/XX/XXXX {$390.00} XXXX {$730.00} XX/XX/XXXX {$300.00} XX/XX/XXXX {$1200.00} When I realized my mistake I immediately Paid., Both my accounts are fully paid. You have been made whole with my apologies. My mistake was not intentional and was only late. I do not have voicemail on my phone. Numbers I do not know, I do not answer. I most often go to my computer and search the number calling. Citi Scams are plenty. It is hard to determine scams received y mail, email and phone. This is not something you are promoting but, they reflect your credibility and your customers. Scam phone calls are sometimes alerted on my phone. I either had one of these calls from CITI or I confused it with many others. 

Again, I ask forgiveness for this mistake and would very much appreciate your understanding. You are paid in full with no loss of dollars, just time. I explained my XXXX XXXX and the difficulties I suffer  and that is no excuse but hopefully a consideration. It is my opinion that America in crisis is not a good time to be focused on money when there is so much death and hardships. Hopefully we can remedy my credit report with an apology and acceptance in the spirit of goodwill and fair. 

Have you reviewed my credit report? I try very hard to keep my credit " clean. '' The Citi derogatory report is much more harmful to me than you. I do hope you will make me whole as I have you. There is blame on both sides. Not catastrophic or life threatening. A simple mistake. I hope we can resolve this with my apology. I do not want to take any further efforts but, I will protect myself and my credibility. 

I know you do not work with the XXXX but, I have to protect myself. With no response to the XXXX  I will consider legal support. I will also have to file a new CFPB complaint. I hope we are able to move on with a not perfect but with goodwill and both of us satisfied. 

Apologies! 
XXXX XXXX Clever Scam Calls Claim to be Citibank | XXXX Clever Scam Calls Claim to be Citibank | XXXX Protect Yourself from Scams - Citibank Protect Yourself   from Scams - Citibank Fraud Center | Protect Yourself from Fraud | Citi.com - Citibank Fraud Center | Protect Yourself from Fraud | Citi.com - Citibank Find out how Citi prote

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