Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #17960057
Complaint Overview
Complaint ID: 17960057
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 information incorrect
State: Massachusetts
ZIP Code: 02301
Date Received: 2025-11-26T12:00:00-05:00
Date Sent to Company: 2025-11-26T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
During a recent vacation, I opened a Macys credit card to make a purchase. When I attempted to make a payment over the phone, I was informed that the system was down and that I needed to make the payment in-store. At the time, I was working in an area without access to a nearby Macys location. I also attempted to make a payment online, but my account was not showing the balance due. A few days later, I noticed that a late payment had been reported on my credit history. I contacted Macys customer service and was told that while the late fee could be removed from my account, they could not remove the late report from my credit history. As of XX/XX/year> at XXXXXXXX XXXX, my Macys account shows no late payment and no outstanding balance. Because the late payment resulted from system issues and circumstances beyond my control, I am requesting that this late report be removed from my credit history. This correction is very important, as it directly affects my ability to be approved for a mortgage. Thank you for your time and consideration. I appreciate your help in resolving this matter.
Frequently Asked Questions
What is Complaint #17960057 about?
Complaint #17960057 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 2025-11-26T12:00:00-05:00.
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.