Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #19778251
Complaint Overview
Complaint ID: 19778251
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: Was not notified of investigation status or results
State: Connecticut
ZIP Code: 06111
Date Received: 2025-11-05T12:00:00-05:00
Date Sent to Company: 2026-02-25T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Citi XXXX XX/XX/year> I recently spoke with customer service, and they advised me to contact the XXXX XXXX directly regarding a late payment that appears on my account report. The report indicates that my account was past due ; however, I never received any statement or notification regarding a missed or late payment. I have consistently made my payments on time, as reflected in my previous statements. I only became aware of this late fee and negative report when I began the process of refinancing my home. Given my history of timely payments and the lack of prior notice about any past-due amount, I kindly request that you review my account and consider removing the late payment and any related negative reporting from my credit record. Thank you very much for your time and understanding. I appreciate your assistance in resolving this matter.
Frequently Asked Questions
What is Complaint #19778251 about?
Complaint #19778251 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 2025-11-05T12:00:00-05:00.
How did Citibank, N.A. respond to this complaint?
The company responded with: "Closed with explanation". 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.