CITIBANK, N.A.
Consumer Complaints
There are over 53324 complaints on file for CITIBANK, N.A.. Dated between 2019-12-12 and 2011-12-01.
Complaints Page 460
2018-04-22
Cloud Lake, FL
Incorrect information on your report
Credit card or prepaid card: General-purpose credit card or charge card
Account status incorrect
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-04-22
Kawaihae, HI
Closing your account
Credit card or prepaid card: General-purpose credit card or charge card
Company closed your account
Complaint: When I tried to use my credit card back in XXXX XXXX I was notified by the merchant that my account was closed and they advised me to follow up with the bank. I called that evening and was notified by the representative that my account was closed by the bank and that they sent me out a letter explaining why as she could not view what the reason was. On XX/XX/2018 I contacted customer service multiple times to follow up on the reason why and each time I was unable to receive an answer however was advised to send a written statement requesting to reopen my account. On XXXX XXXX I sent the following message : From : XXXX Subject : Credit Account Closed By Bank Date : XX/XX/2018 XXXX XXXX Hi I contacted customer service multiple times yesterday to understand why my account has been closed. I was transferred numerous times and was just told that they sent me a letter due to confidentiality so the representatives were unable to see the reason. However, the last person I spoke to stated that I would be able to view the letter online on my account but I cant seem to find it and would like to know how I can review this information as soon as possible and not have to wait for that letter so that I can do what is necessary.
They responded : Dear Valued Customer : Thank you for writing to us about your account today.
To access the letter we sent, navigate to Services in the navigation bar then Statements & Documents. You will see the link for View E-Communications. Please note that documents will automatically be removed after 12 months, so you may want to save them to your computer.
There is currently no way to manually remove documents from the E-Communications page.
As always, we value you as our customer, and we appreciate your business.
Thank you for using our website.
I followed the instructions and was unable to see the letter. However it wasnt until XX/XX/XXXX or XXXX, XXXX that I finally received the letter stating the bank closed my account.
I called later that day multiple times to inquire as to how I can reopen my account. Each rep that I spoke to attempted to reopen it however, were unsuccessful and advised me to send a written statement to the Executive Response Unit. I sent the following letter via mail : XXXX XXXX XXXX XXXX XXXX XXXX, HI XXXX XX/XX/2018 Executive Response Unit Citibank , N.A .
XXXX XXXX XXXX XXXX XXXX, SD XXXX To Whom It May Concern : This letter is regarding my account number ending in XXXX and the two letters that I received in the mail today from the Security Operations Team that were both dated XX/XX/2018. The first stating that there were disputed charges which were not related to a lost, stolen, or counterfeit credit card. After investigating these disputed charges with the information provided, it was determined that I am responsible for these charges. Then the second reiterated the first and declared that effective XX/XX/2018 Citibank has closed the above referenced credit card account. This action was taken because of a security investigation involving the account and that additional transactions will not be authorized. I am reaching out to the Executive Response Unit because I believe there was a mistake that was made regarding the fraudulent transactions. It was never intended for those charges to be labeled fraudulent as they were not only valid, but also authorized as I personally made these charges. Also, when I checked the Credit Bureau Report it states that my account was closed due to dispute resolved ; customer disagrees, when I havent spoken nor received any correspondences until now. When I called XXXX customer service I spoke with XXXX and he expressed that he believes this was all a misunderstanding and advised me to write a letter as well as reassured me, he notated his beliefs and comments as well.
I am formally requesting to see if my account is eligible to be reinstated and opened. Initially, I was disappointed to hear of my account being closed considering Ive never missed or made a late payment. Recently, Ive gotten injured at work and thus feel that the features and benefits of this card would be immensely useful to me. This cards benefits surpasses other competitors by providing the simplicity of being able to use the XXXX XXXX XXXX XXXX as a XXXX membership ID ( only need to carry one card ), no additional hidden fees on purchases, and no annual fees. The cash back rewards benefit based off eligible purchases alone is why I chose this card over others. Convenience and peace of mind is really it.
Therefore, my humble request to reopen my account is simply so that I can enjoy the cards wonderful benefits while also continuing to prove my value to you as a customer. I am hoping this letter finds its way to someone who can help me get my account reconsidered. Thank you in advance and please know that I sincerely appreciate your time and any help you can provide. Should you have any further questions I can be reached at ( XXXX ) XXXX or via email at XXXX Sincerely, XXXX XXXX As of today I still have not received a response and attempted to follow up on the status of my letter and called customer service who insisted they arent sure of what to do or what the process is. So on XXXX XXXX I messaged Citi once again via secure message center the following : Hi, I sent a letter requesting the bank to reopen my account and I havent heard back from them so I just wanted to follow up on the matter. I know that there is no direct phone number to contact but I was wondering if there is any additional information in regards to the process. For instance, once Ive sent the letter requesting my account to be reopened how long can I expect to receive a response?
They responded : From : XXXX Subject : Re : Account Closed by Bank Date : XX/XX/2018 XXXX XXXX Dear XXXX, Thank you for your inquiry.
We received your request to reopen your reopen account request.
Unfortunately, we are unable to handle your request through the Secured Message Center. Please call our Customer Care Center. XXXX.
If you are outside the United States, XXXX, and Puerto Rico, you may call us collect at XXXX. Our telecommunication number for our hearing impaired customers is XXXX.
We realize that as a consumer you have many choices, so we thank you for choosing us.
Regards, XXXX Account Specialist 3 Tennessee So today XX/XX/2018 I reached out to the customer service number they provided me with. Unfortunately to no availability, she was unable to assist me and so I sent the following message to Citi once again via their secure message stating : From : XXXX Subject : Bank closed XXXX Credit Card Acct .
Date : XX/XX/2018 XXXX XXXX Per your previous message, I called and contacted customer service and unfortunately the rep that I had spoke to was unable to provide me a definitive answer. She was unsure and couldnt even provide me with information regarding to whom I needed to contact or speak with. After trying to reopen my account herself she needed to reach out to the Fraud department who informed her that the account couldnt be reopened and there was no supervisor who could do so. I stated that I understood what she was saying because the previous reps whom I spoken to attempted to do so and then reiterated that they advised me to send a written statement requesting my account to be reopened. Also I inquired as to whether or not the response she received from the Fraud department was current and from the Executive Response Unit but she responded that there were no notes so she was unsure. As per my previous conversations with reps, I had sent my written statement request to : Executive Response Unit XXXX XXXX XXXX XXXX XXXX, South Dakota XXXX With that said, all Im simply attempting to do is follow up on the process that I was advised to do. Once Ive sent the letter, since I havent received a response Im trying to find out who I can directly contact since previous reps stated that department doesnt have a number to contact and reiterated the only option which was the written request. At this point, it is extremely frustrating because the only response I receive is either to keep getting transferred between departments or speak to someone who has no clue as to what I am talking about. They do try to help, but since they are unable to fulfill the task Im asking they just state that they can refer me back to the department where I can reapply. I really dont want to have to reapply because this account has everything for me and since things have changed over time I know I wont receive the same credit limit or benefits that I had originally. Thus, I understand that the representatives are unable to reopen my account, hence the reason for my letter to the Executive Response Unit whom has the authority to reopen it. Please help provide me this information or direct me to someone who can. If you are unable to, is there anyway that you can reach out to the Executive Response Unit and follow up with them. Once again, Im humbly attempting to get my XXXX Credit Card account reopened so that I can continue to receive the benefits. Ive been a loyal customer whose never missed a payment in my two years with Citi.
Ive reached out numerous times to show how dedicated and loyal of a customer I am to the bank. However, no one is able to provide me information or in the right direction of who I can contact. They keep giving me the run around and its overly frustrating by this point. I just want to reopen my XXXX Credit Card account so that I can continue reaping the benefits that I enjoy especially since I am still continuing to make monthly payments. I really dont want to have to reopen another account either as the rep I most recently spoke to insisted on because circumstances changed and I wont receive the same credit limit nor the same benefits that I originally had and enjoy.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-04-22
MD
Problem when making payments
Credit card or prepaid card: General-purpose credit card or charge card
You never received your bill or did not know a payment was due
Complaint: From XX/XX/XXXX to XX/XX/XXXX never received a bill from citi diamond preferred card now they finally have a debt collector call me fee after fee later and put a d on my credit report. I am beyond mad and there customer service is awful
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-04-22
Main Office, VA
Improper use of your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Credit inquiries on your report that you don't recognize
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-04-22
TX
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Problem with fees
Complaint: Back in XXXX I got fraudulent activity in my card. I contact the credit card to reconcile the transactions that were fraudulent and since then there has been a lot of messages related to that and I do not understand what was going on. the last electronic message was last week ( XXXX ) related to that.
I have been waiting to close completed my credit card so I can make sure I can see any additional activity.
Yesterday I called Citi Credit Card to 1 ) ask what is going on and 2 ) close my account.
I spoke to the manager of the call center ID number XXXX and she said the fraud department is the only one that can tell me about the fraud activity and they were closed. i explained I need to understand if everything is OK so I can close my account. I also explained I do not plan to keep the credit card and an annual fee was charged. I asked her to give me options to figure out what was going so I can close my account because I don't want to pay the {$100.00} fee for a card that can't help me resolve fraud issues when it happen.
She was really rude and told me that I have no options and I must pay the fee and balance before closing my account.
It feels like the credit card company is delaying solving my problems so they can charge me {$100.00} before closing my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2018-04-21
Glendale, CA
Closing your account
Credit card or prepaid card: General-purpose credit card or charge card
Company closed your account
Complaint: Hello CFPB I am writing about my account with citibank. My account was closed due to inactivity but i never notified or informed that it will be closed. This is my oldest account since 2012 i really can not lose this account because it will have significant effect to my credit overall. Please intervene to reopen my account. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief
2018-04-21
Brooklyn, NY
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: I wrote the following letter to Citibank at XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear Citibank Your company is hurting my credit rating because of the way you report to the credit reporting agencies. I have a home equity loan from Citibank that is in the repayment stage. Each time I pay my loan you report to the agencies that my balance owed is lower but you also tell them that my credit limit is lower. This makes it appear that I have a maxed out line of credit. This makes my credit rating lower.
I have had this line of credit since XX/XX/2005. You always had this practice and it always disturbed me and it is the reason that I would not take another home equity line of credit from Citibank. However now since president Trump has made it so that I can not deduct the interest on this loan on my taxes anymore I want to let you know just how punitive this practice is.
I am paying this loan off as soon as I can. I pay twice the minimum amount required so I can get rid of it. But if you could help me by reporting the original limit of the loan ( {$75000.00} ) to the credit reporting agencies instead of reporting the balance due ( currently {$46000.00} ) as the credit limit it would make my life with this loan much easier.
Please view this as an official complaint about this policy.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief
2018-04-21
Las Vegas, NV
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Charged too much interest
Complaint: I have always paid my XXXX Citibank card in full. A Citibank representative told me that if I dont pay in full, that I would only be charged interest on the remaining monthly balance for the number of days left in the month. My due date is the XX/XX/XXXX. On the XX/XX/XXXX, I paid the remaining {$100.00} on my 2000+ monthly balance. Citibank charged me interest on the full balance. They reversed it after I called, but said that I will be charged interest on {$4500.00} for the month of May EVEN IF I pay the balance in full by the XX/XX/XXXX because I have to pay in full for two months in order to not be charge interest. So, because of a mere {$100.00} left on my XX/XX/XXXX bill, they want to charge me interest on 2000+ for one month and +4500 for the next month. This is excessive and o my Benefits Citibank. Moreover, my billing cycle doesnt end until the XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-04-21
Discovery Bay, CA
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Complaint: I have received repeated telephone calls from Citi Bank, XXXX, attempting to collect on a debt on behalf of Home Depot. The debtor is not known to me and I have had my existing telephone number for over 15 years. I called Citi Bank on XX/XX/18 and informed a representative that Citi Bank is calling a wrong number and to stop calling my home 's telephone number. I received another call from Citi Bank the following morning, XX/XX/18, at XXXX XXXX PST. I repeated my demand that Citi Bank not call my telephone number.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-04-21
Cheverly, MD
Other features, terms, or problems
Credit card or prepaid card: Store credit card
Other problem
Complaint: My credit limit with XXXX XXXX was {$2000.00} I have a balance of {$1000.00}. I have a excellent payment history with XXXX XXXX. With having a excellent payment history and only using 50 % of my limit, this would give me a good rating for my credit. Now since XXXX 's have chosen to reduce my credit limit to {$1100.00}, this now has a negative impact and gives a false factor to anyone who views my credit report. Instead of showing I was about 50 % now my credit shows 95 %. That's a false report that negatively impacts my credit score.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-04-21
Cheverly, MD
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Their investigation did not fix an error on your report
Complaint: I filed a dispute with XXXX referencing discrepancy in CBNA and Sears reporting. In result XXXX 24-month payment history remained pulling down XXXX Score which is 100 points less than all other consumer reports. I am unable to dispute account on-line for the attached account.
On XX/XX/018 CBNA response to previous complaint. Acct XXXX is being correctly on consumer reports. Request to delete account was rejected and/or unanswered by XXXX, XXXX, and CBNA.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-04-21
FL
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: In XX/XX/XXXX, I was forced to declare Chapter XXXX due to some extreme circumstances in my personal life. At the time, I had a Citibank card with a balance of {$20000.00} that was included in the bankruptcy. In XX/XX/XXXX, I had the Chapter XXXX bankruptcy dismissed.
I contacted all the credit card companies I owed money to and negotiated a settlement amount with them directly. Citibank was the only creditor still showing my bankruptcy as " active '' for 8 months after the dismissal. I took me the next 8 months and many phone calls to finally resolve that. Finally in XX/XX/XXXX I was told by Citibank to contact XXXX XXXX XXXX XXXX XXXX to arrange a settlement amount.
I did this and on XX/XX/XXXX I received an email from XXXX with the agreed upon settlement amount that we had discussed over the phone. I paid that amount, {$6100.00}, to XXXX XXXX XXXX on XX/XX/XXXX and have a receipt from them for that payment.
Citibank is still showing on my XXXX credit report that I owe {$20000.00}. The payment has NEVER been accurately reflected on my XXXX report.
In XX/XX/XXXX, I submitted an online dispute to XXXX about this matter. On XX/XX/XXXX, I received a letter in response from XXXX stating that the Citibank information was " Verified as accurate ''.
I had seen an increase in my XXXX credit score when the amount was paid to XXXX and at that time XXXX was reporting that it was Paid/Charge Off with a XXXX balance. Within the past couple of weeks, I got an alert from XXXX that XXXX had reported negative information to them and now that Citbank account is showing up as " Charged Off '' with a balance of {$20000.00} on my XXXX credit report. My XXXX credit score plummeted over 50 points because of this.
This erroneous reporting of information has negatively affected my creditworthiness.
I met with a mortgage lender back in XX/XX/XXXX and was planning to purchase a home in XX/XX/XXXX. This false reporting is causing great damage to me. I no longer qualify for a loan because of this. I will be unable to buy a home/obtain a mortgage because of this. I am unable to qualify for ANY credit because of this. I am requesting that this Citibank account be COMPLETELY removed from my report with ALL credit reporting agencies.
If I am unable to have this request met by Citibank, I have been advised to seek out the help of an attorney that specializes in such matters and pursue damages. I am not a litigious person and would prefer not to do that if I can just get this resolved and get this off my credit once and for all.
I am providing proof that this amount was paid to XXXX as per Citibank 's instructions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-04-21
San Gabriel, CA
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt is not yours
Complaint: I continue to receive letters from a Debt collection Law firm called XXXX XXXX XXXX, XXXX XXXX XXXX, which I have disputed and written several letters to indicating that this debt does not belong to me. I was never served.I notified them that this was fraudulent and was illegal to collect monies from me on a debt that does not belong to me. This debt appears to be more than10 years ago and even the statutes of limitations to collect had ran out, and I have just received a renewal of judgement dated XX/XX/XXXX. XXXX XXXX XXXX have renewed a judgement that has been more than 10 years ago and served me with this new judgement on XX/XX/XXXX. I had previously filed a complaint with the CFPB about this law firm and their illegal tactics and deliberate violations of all applicable laws that applies to the FCRA and the FDCPA. with the CFPB and nothing came of it. This Law firm has a track record of harassing and aggressively collecting and suing innocent consumers and they need to be investigated for violating consumer protection laws and statutes. I am a medically retired peace officer with the inability to settle such a debt even if the debt was mine. To have twice filed an illegal judgement against me is very debilitating to me and my general welfare, particularly my health. Please I am pleading with CFPB to open an investigation into XXXX XXXX XXXX, XXXX XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-04-20
Shelby Township, MI
Problem with a purchase shown on your statement
Credit card or prepaid card: General-purpose credit card or charge card
Card was charged for something you did not purchase with the card
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-04-20
Sacramento, CA
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Their investigation did not fix an error on your report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-04-20
Chicago, IL
Unable to get your credit report or credit score
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Other problem getting your report or credit score
Complaint: citibank denial of credit because i have exercised my rights under the cpa.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-04-20
Portland, OR
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Problem with fees
Complaint: I took out a sears mastercard under a promotional offer. I rarely used the card. I made a {$25.00} purchase. I always pay my bills on the first of each month. Apparently this card had due date of XX/XX/XXXX. They posted the receipt of {$25.00} on XX/XX/XXXX. The following month I received a late fee of {$27.00}. I called in and requested the fee be waived and I closed the account. There was XXXX outstanding balance on the card. I assumed the card was closed and the fee was waived. The following month I received a bill for an additional {$41.00} fee. The total I now owe : according to sears : is {$68.00}. I called Sears and explained they had waived the fee and I had closed the account. Sears said they could waive the {$2700.00} fee ; but I still needed to pay the {$41.00} fee. I wrote a letter and explained the situation. I just received a response that stated " We received your request for a fee credit on your account. We are unable to credit your account for the late fee because it is valid. '' I am guessing : that the fee will continue to mount until I pay the fees.. This is a unfair practice. Sears received their money and I closed the account. I have no plan to pay any of their excessive fees. I will never purchase anything from sears, or citibank mastercard. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX. XXXX Thank you, XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2018-04-20
OH
Fees or interest
Credit card or prepaid card: Store credit card
Problem with fees
Complaint: On XX/XX/XXXX I made a {$59.00} purchase at Best Buy on my Best Buy Credit Card. In XXXX I made a {$30.00} payment. In XXXX I made another {$30.00} payment. I thought I had a credit of {$1.00}. XX/XX/XXXX I receive a collections letter from Citi Bank asking me to call. On XX/XX/XXXX, I try to access my online account to see what's going on and I'm locked out of my account. I call. I am transferred and put on hold repeatedly, spending over an hour trying to sort this out. I am told by 5 different people that my last payment incurred an interest charge and a late fee and then repeated late fees for the late fees. All the while, I have no idea. I never received a bill in the mail or via email. They told me I was signed up for online billing ( did not knowingly elect that ) which means, I have to go onto my account to see what is on there. Here 's the catch - if you're late, they lock you out of your online account. So I believe I have paid for my item and in fact, have a credit balance - meanwhile, they are charging me interest and late fees and I have no way to know that because they don't notify you and you can't access your account that they lock you out of. On top of that, why would a consumer even check their account in the first place when they haven't purchased anything with that card and last they knew, had a credit? I have paid them and closed my account effective today XXXX XX/XX/XXXX ). However, I am complaining to you because I want action for corrupt business practices. This process is corrupt and the intent is to fleece consumers. This needs to be stopped. I will never purchase anything from Best Buy again and I will not elect to do any additional business with Citi Bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2018-04-20
Brock, TX
Improper use of your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Reporting company used your report improperly
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-04-20
San Diego, CA
Trouble using your card
Credit card or prepaid card: General-purpose credit card or charge card
Can't use card to make purchases
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-04-20
Norwalk, CA
Improper use of your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Credit inquiries on your report that you don't recognize
Complaint: When I Pull XXXX credit report, it shows an authorized hard inquiry from CBNA which I do not recognize..
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-04-20
Colonial Park, NY
Problem when making payments
Credit card or prepaid card: General-purpose credit card or charge card
Problem during payment process
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-04-20
Cherry Brook, MA
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Their investigation did not fix an error on your report
Complaint: The data reported to the Credit Bureaus ( XXXX, XXXX and XXXX ) in regards to a late payment to Citi Card account ending in XXXX was incorrect and was due to an error by Citi.
After investigation by Citi, it was confirmed that there was a representative error in regards to my account ending in XXXX. On XX/XX/XXXX I had requested my account be closed and the representative I made several requests to never closed it.
On XX/XX/XXXX, I was alerted by XXXX XXXX that my credit score had dropped significantly due to a late payment. I immediately investigated why and promptly reached out to Citi to get this resolved.
On XX/XX/XXXX, same phone call, the manager of the representative with whom I had spoken, reviewed the transcript of the call and chat in which I made this request, and confirmed and agreed that the account should have been closed on XX/XX/XXXX.
Because the account was not closed, this resulted in additional charges to the card that were not authorized, and because I thought the account was closed, I was unaware of.
The late/delinquency fees associated have been credited back to the account by Citi. The charges made to the card after the account should have been closed that resulted in the outstanding balance have also been refunded to the card which should result in a {$0.00} balance on the account.
On XX/XX/XXXX, the representative that was helping resolve the matter closed my account with Citi.
I wrote a letter to their credit dispute department requesting that this data be removed from my credit history as soon as possible and immediately. I am in the middle of buying a house and this is damaging to my credit score and needs to be resolved immediately. This is incredibly harmful timing for this be happening and would appreciate all efforts to resolve immediately.
How can a company rep make a mistake and now its going to cost me somewhere to the tune of {$50000.00} over the life of my mortgage? I need this resolved literally immediately. They are pulling my credit for interest rate in the next few weeks. Just unbelievable that they can make a mistake and I suffer for it.
They promised that they would submit to the credit bureaus that it was inaccurate. However, I submitted the dispute to the credit bureaus, they investigated and said that Citi told them the data they hod originally submitted was correct. So they did not fix my credit score.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief
2018-04-20
AL
Written notification about debt
Debt collection: Credit card debt
Didn't receive enough information to verify debt
Complaint: XXXX XXXX has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-04-20
El Sobrante, CA
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Problem with fees
Complaint: I attempted to make my rwgular payment of {$100.00} per month. The customer service told me I needed to pay {$170.00} because I was over my limit of ( {$5500.00} ). When I opened my account I never agreed to be allowed to charge more then the limit given.
I was allowed to charge {$800.00} over my limit. I was advised in 2009 companies were not allowed to allow the consumer to use more then their credit limit.
I was told today I must bring my account current to avoid incurring over limit & late fees.
I do not feel this is right.I feel they took advantage.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation