Debt collection -- Attempts to collect debt not owed -- Complaint #19605375
Complaint Overview
Complaint ID: 19605375
Company: Citibank, N.A.
Product: Debt collection
Sub-Product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: Missouri
ZIP Code: 631XX
Date Received: 2026-02-18T12:00:00-05:00
Date Sent to Company: 2026-03-02T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I just received a response XX/XX/XXXX2026 through CFPB from My complaint for CITI BANK/XXXX XXXX which they NOW have it as a dispute of {$640.00} which I never made a purchase or dispute of that amount, originally my dispute amount when made was for {$620.00} for a regular XXXX DOOR which at the time of purchase the price was for the amount of ( {$620.00} ) and when the representative put in the dispute he seen that door was now for the amount of ( {$640.00} ) and stated that it would be straightened out as the dispute progressed. Now they're saying the dispute was for the total amount of ( {$1600.00} ) because of the purchase I originally made in the beginning for ( XXXX ) XXXX DOORS which was for a ( XXXX XXXX DOOR WITH OVAL GLASS IN THE MIDDLE OF THE DOOR AND FOR A REGULAR DOOR FOR THE AMOUNT OF ( $ XXXX and {$620.00} ) THE GLASS OVAL DOOR WAS PAID FOR IN FULL XXXX XXXX 2025 out of the ( {$3300.00} ) AND THE REGULAR DOOR FOR THE AMOUNT OF {$620.00} not {$640.00} that was placed in DISPUTE. I PAID THE AMOUNT OF ( {$3300.00} ) ( Before I received the discount ) for the ( NEW XXXX WASHER/DRYER for the amount of ( {$1300.00} ) and 5 year warranty 's for the amount of ( {$270.00} each ) due to the defects from the original orders of the XXXX WASHERS XXXX XXXX ) /DRYER WHICH MEANS MONIES WHERE DUE BACK TO ME. REGULAR DOOR FOR THE AMOUNT OF ( XXXX ) AND A DOOR KNOB FOR THE FRONT DOOR. There was an issue with not receiving the REGULAR DOOR FOR THE AMOUT OF ( {$620.00} NOT ( {$640.00} ) which led me to place it in for dispute which the monies where credited back to My HOME DEPOT CREDIT CARD. The problem was due to the representative entering the wrong amount when placed in dispute. I received a letter from XXXX XXXX in regards of the credit received which states for the REGULAR DOOR NOT RECEIVED ( THE MERCHANT CREDIT AMOUNT WAS FOR THE AMOUNT OF ( {$100.00} AND {$510.00} XX/XX/XXXX AND XX/XX/XXXX OF XXXX ) THE LETTER STATES... WE NOW CONSIDER THIS MATTER RESOVLED AND HAVE COMPLETED OUR INVESTIGATION ANY AMOUNT PLACED IN DISPUTE STATUS HAS BEEN REMOVED ).... which totals up to ( {$620.00} FOR THE ( XXXX ) REGULAR DOOR NOT RECEIVED/NOT {$640.00} ) So credits claiming they gave me for the amount of ( XXXX and {$1400.00} ) I HAVE NO IDEA WHERE AND WHY THAT WAS PLACED AS A CREDIT OR DISPUTE from the purchase I made for the XXXX DOOR WITH THE OVAL GLASS IN THE MIDDLE AND THE REGULAR DOOR everything was PAID IN FULL XX/XX/XXXX2025 AND MONIES WAS DUE BACK TO ME FOR PAYING THE {$3300.00} originally for the XXXX WASHER/DRYER AND XXXX DOOR WITH OVAL GLASS XXXX THE MIDDLE AND DOORKNOB. I've also spoke with ( XXXX THEN TRANSFERRED TO XXXX IN XXXX OPERATIONS FOR CITI BANK/XXXX XXXX XX/XX/XXXX2026 XXXX which XXXX states he thoroughly went through my HOME DEPOT ACCOUNTS and found that there was the letter CB/CREDIT BACK that was on my account that should have been credited back to my account a long time ago and that he would send that information over to whom who is to correct it and that I shouldn't have no balance and that I would receive something either through email or a phone call when it is addressed
Frequently Asked Questions
What is Complaint #19605375 about?
Complaint #19605375 was filed against Citibank, N.A. regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2026-02-18T12:00:00-05:00.
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 (Debt collection) 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.