Debt collection -- Written notification about debt -- Complaint #4757521
Complaint Overview
Complaint ID: 4757521
Company: Citibank, N.A.
Product: Debt collection
Sub-Product: Credit card debt
Issue: Written notification about debt
Sub-Issue: Notification didn't disclose it was an attempt to collect a debt
State: New York
ZIP Code: 146XX
Date Received: 2021-09-27T12:00:00-05:00
Date Sent to Company: 2021-09-27T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I opened a Macy 's credit card on XXXX XX/XX/XXXX in order to receive 25 % at the time of purchase. I was under the impression by the sales associate that after the discount was applied that I was paid in full. It turns out I had {$5.00} of remaining balance on the card. My address changed because I moved and did not receive any statements, emails, or phone calls from Macy 's telling me that I still had a balance due. I eventually found out about this when I went to the post office to find Macy 's overdue account statements waiting for me. Macy 's put my {$5.00} into collections without contacting me beforehand by phone or email. Now my credit score has dropped by 80 points due to a {$5.00} charge that I was not informed about.
Frequently Asked Questions
What is Complaint #4757521 about?
Complaint #4757521 was filed against Citibank, N.A. regarding Debt collection specifically about Written notification about debt. It was received by the CFPB on 2021-09-27T12:00:00-05:00.
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 (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.