Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #6884173
Complaint Overview
Complaint ID: 6884173
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: Pennsylvania
ZIP Code: 16066
Date Received: 2023-04-24T12:00:00-05:00
Date Sent to Company: 2023-04-24T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
I am writing in response to the incorrect reporting of a fraudulent settlement by Citibank, specifically regarding the unauthorized settlement of my account with XXXX XXXX XXXX XXXX XXXX I have been requesting from Citibank to correct this fraud for 2 years not and they keep responding with the same redundant responses without taking action with the agencies to correct the reporting. I would like to re-emphasize that I never authorized or accepted any settlement agreement for the account balance of {$1600.00}. I have been requesting from Citibank to correct this fraud for 2 years not and they keep responding with the same redundant responses on the incorrect settlement terms. As previously communicated, I did not engage in any phone conversation on XX/XX/2020, with XXXX XXXX XXXX XXXX, nor did I accept a settlement or schedule a payment of {$1000.00} to be processed on XX/XX/2020. The settlement credit of {$670.00} that was applied to cover the remaining balance on XX/XX/2020, was also executed without my knowledge or personal consent. I demand a correction of the inaccurate information reported to the consumer reporting agencies. As a result of this unauthorized settlement and incorrect reporting, my credit profile has been negatively affected, and I have suffered financial harm. This has been going on for 2 years now with Citibank. As previously requested, the least Citibank can do is report this account as closed, not as partially paid. Please correct the reporting of this to the agencies urgently. Thank you for your attention to this matter. I look forward to receiving your prompt response. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #6884173 about?
Complaint #6884173 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 2023-04-24T12:00:00-05:00.
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.