Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #11165085
Complaint Overview
Complaint ID: 11165085
Company: Citibank, N.A.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Difficulty submitting a dispute or getting information about a dispute over the phone
State: New York
ZIP Code: 11234
Date Received: 2024-12-15T12:00:00-05:00
Date Sent to Company: 2024-12-15T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to file a formal complaint regarding my unresolved issue with Citi Bank, which has negatively impacted my credit and financial stability. In XXXX, I fully paid off my Best Buy Citi credit card balance and requested a pay and delete letter to confirm the account was settled and removed from my credit report. Despite my request, Citi Bank never provided the requested letter. Shortly after making the payment, I received a collection letter from a third-party company, claiming I still owed a debt to Citi Bank XXXX Confused and concerned, I called Citi Bank immediately to address the situation and confirm my payment. They acknowledged my payment but again failed to provide written confirmation or documentation resolving the issue. The account remained on my credit report until XXXX, causing ongoing damage to my credit profile. When I reached out to Citi Bank again earlier this year, they only sent an email confirming the account closure but still did not provide the requested formal documentation. The lack of proper communication, follow-up, and accurate reporting on Citi Banks part has caused significant inconvenience and frustration. I request CFPBs assistance in ensuring Citi Bank provides the necessary documentation and investigates the mishandling of this situation, including their failure to follow through with the agreed pay and delete process and the erroneous collection notice I received. Thank you for your attention to this matter.
Frequently Asked Questions
What is Complaint #11165085 about?
Complaint #11165085 was filed against Citibank, N.A. regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2024-12-15T12:00:00-05:00.
How did Citibank, N.A. respond to this complaint?
The company responded with: "Closed with non-monetary relief". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Citibank, N.A.?
Yes, visit the Citibank, N.A. company profile at readthecomplaint.com/company/citibank-n-a to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.