Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #4690234
Complaint Overview
Complaint ID: 4690234
Company: Citibank, N.A.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-Issue: Problem with personal statement of dispute
State: California
ZIP Code: 90065
Date Received: 2021-09-03T12:00:00-05:00
Date Sent to Company: 2021-09-22T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American
Consumer Narrative
I discovered XX/XX/2021 that Home Depot, Citi Bank had reported a delinquency to the credit bureaus. I was shocked because I thought the issue had been resolved. They took the late payment off their records and did not charge me the late fee. My problem as I hold them was that I was not receiving my mail regularly if at all. I have been with them for 30+ years and always have paid on time. When I discovered the ding on my credit I called and they told me I was 31 days late and they had to report it. The amount past due was {$10.00}. I am outraged. They say they can't do anything but I know they can remove it.I got a letter XX/XX/XXXX saying they would look into it but when I called they said they could not. The letter asked for all the information they already had. I'm furious!
Frequently Asked Questions
What is Complaint #4690234 about?
Complaint #4690234 was filed against Citibank, N.A. regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Problem with a credit reporting company's investigation into an existing problem. It was received by the CFPB on 2021-09-03T12:00:00-05:00.
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.