Credit card -- Problem with a company's investigation into an existing problem -- Complaint #16039158
Complaint Overview
Complaint ID: 16039158
Company: Citibank, N.A.
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: Florida
ZIP Code: 33415
Date Received: 2025-09-18T12:00:00-05:00
Date Sent to Company: 2025-09-18T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I disputed Citis reporting of my CitiCards account because it is being furnished inaccurately and in violation of the FCRA. The account is reported as Closed/Charged-Off, yet at the same time it shows scheduled monthly payments and ongoing balance activity. This is contradictory and misleading under FCRA 607 ( b ) and 611 ( a ). A charged-off account can not also be reported as if it is still open with active payments due. I mailed Citi a formal dispute in writing and also raised the issue with the credit bureaus. Despite this, Citi verified the tradeline without correcting the obvious errors. Later, I received a collection letter from XXXX XXXX XXXX ( XXXX ) attempting to collect the same account, even though Citi had already reported the account as closed. When I challenged XXXX, they eventually backed off, stating they were no longer involved. Instead of addressing my dispute, Citi then sent me a form letter ( dated XX/XX/year> ) claiming they could not locate my account or determine what I was disputing, even though XXXX clearly referenced the correct account number and I provided the same information in my CFPB complaint. This is a deflection tactic, not a meaningful investigation. Citis failure to conduct a proper reinvestigation and furnish accurate Metro 2 data continues to damage my creditworthiness. I am requesting that CFPB require Citi to : 1. Correct the tradeline to reflect its true status ( either \ {$0.00} balance with Transferred/Sold or Closed/Charged-Off without ongoing payments ), or remove the tradeline entirely if Citi can not furnish accurate data . 2. Provide documentation of their reinvestigation, as required by law. Until Citi complies, the reporting remains misleading and harmful.
Frequently Asked Questions
What is Complaint #16039158 about?
Complaint #16039158 was filed against Citibank, N.A. regarding Credit card specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2025-09-18T12:00:00-05:00.
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 card) 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.