Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #17110616
Complaint Overview
Complaint ID: 17110616
Company: Citibank, N.A.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account status incorrect
State: New Jersey
ZIP Code: 07307
Date Received: 2025-11-07T12:00:00-05:00
Date Sent to Company: 2025-11-08T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Filing based on Documented Factual Error in Adverse Action Notice ( AAN ), Systemic Failure, and Refusal to Remediate. 1. Compliance Failure ( AAN/FCRA Violation ) : In XX/XX/year>, the consumer opened XXXX Citi XXXX XXXX credit card accounts. Both were subsequently locked for income verification ( Form XXXX was complied with ). On XX/XX/year>, a written AAN was issued stating the accounts were closed due to " too many recent credit inquiries, '' citing XXXX XXXX as the sole source. The consumer 's XXXX report shows only XXXX hard inquiry in the past XXXX months, directly contradicting the bank 's official reason. This constitutes a deficient AAN and a violation of the FCRA for failing to provide an accurate reason for adverse action. 2. Procedural & UDAAP Violation : The closure occurred despite the consumer following all verification instructions. This event aligns with the known, severe systemic failures of the XXXX XXXX rollout ( as documented in the XXXX and public petitions ), resulting in unequal treatment ( UDAAP ). While other compliant customers received full annual fee refund and the XXXX points bonus per account for the disruption, the consumer was denied all welcome bonus points and was forced to suffer permanent account closure. The consumer incurred unnecessary stress, time loss, and direct credit harm. 3. Refusal to Remedy : The consumer submitted a formal complaint ( Ref : XXXX ) to the Citi Executive Response Unit ( ERU ). The ERU 's final letter ( XX/XX/year> ) refused to address the documented factual contradiction. The ERU claimed the account information was " reported correctly '' and declined the request for compensation and trade line deletion. The ERU instead offered only a minimal " disputed by the consumer '' notation, which fails to correct the fundamental FCRA non-compliance.
Frequently Asked Questions
What is Complaint #17110616 about?
Complaint #17110616 was filed against Citibank, N.A. regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2025-11-07T12:00:00-05:00.
How did Citibank, N.A. respond to this complaint?
The company responded with: "Closed with 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.