Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #4629963
Complaint Overview
Complaint ID: 4629963
Company: Citibank, N.A.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account status incorrect
State: District of Columbia
ZIP Code: 20020
Date Received: 2021-08-14T12:00:00-05:00
Date Sent to Company: 2021-08-14T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I was lost my job due to the pandemic I called Citibank immediately letting them know I lost my job but got another job. Due to the gap in pay periods before the break job started I notified Citi I needed my payment date to be extended. The representative assured me that there would no penalty and allowed me To skip a payment. I made a payment by scheduling it with her. When the date came for the automatic payment I noticed it wasnt showing on my citi app but there was a banner that asked if I had difficulty paying to lol at payment options. I clicked the banner and scheduled the oayment Im a week. I now have a job Im able to pay my balances off. I work for the XXXX XXXX and I have a security clearance I can lose my security clearance over negative credit reports. I have never been late before and citi lied and misrepresented themselves. They have also lowered my credit limit even though i have made large payments to other credit cards to lower my utilization. With the reported late payment and lowered credit limit my score lowered by 70 points and its not fair. I can lose my clearance
Frequently Asked Questions
What is Complaint #4629963 about?
Complaint #4629963 was filed against Citibank, N.A. regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2021-08-14T12:00:00-05:00.
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, credit repair services, 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.