Credit card or prepaid card -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #5241937
Complaint Overview
Complaint ID: 5241937
Company: Citibank, N.A.
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: Florida
ZIP Code: 336XX
Date Received: 2022-02-20T12:00:00-05:00
Date Sent to Company: 2022-02-20T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
CitiCards CBNA is inaccurately reporting XXXX late payments on an account that was discharged in XXXX XXXX - Bankruptcy. This creditor is vindictively refusing to correct the error in reporting to the credit bureaus causing me severe financial harm and increased interest rates on accounts with other creditors. I have submitted disputes through the credit bureaus and attempted several times to contact the creditor directly, where they hang up on me or direct me to pre-recorded information that is not relevant to my situation. The single time I was able to speak to a customer service representative for CitiCards CBNA, they told me I need to pay the discharged debt in order for them to take any action on my credit report errors. Attempting to collect a discharged debt in Bankruptcy is a violation of Federal Bankruptcy Law The debt was discharged in XXXX and the vindictive nature of CitiCards CBNA actions is to circumvent Bankruptcy protection laws and attempt to collect the debt that was legally discharged.
Frequently Asked Questions
What is Complaint #5241937 about?
Complaint #5241937 was filed against Citibank, N.A. regarding Credit card or prepaid card specifically about Problem with a credit reporting company's investigation into an existing problem. It was received by the CFPB on 2022-02-20T12:00:00-05:00.
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 card or prepaid card) 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.