Debt collection -- Attempts to collect debt not owed -- Complaint #7879842
Complaint Overview
Complaint ID: 7879842
Company: Citibank, N.A.
Product: Debt collection
Sub-Product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was already discharged in bankruptcy and is no longer owed
State: Pennsylvania
ZIP Code: 17111
Date Received: 2023-11-20T12:00:00-05:00
Date Sent to Company: 2023-11-28T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I was trying to apply for a mortgage loan, and this account has been under my collection and never let my score go up. Initially, many years back someone used my name credit card to make the purchase at Macys. I knew about it later, but they told me that I do not have to pay If I didn't make those purchases. My score went very bad because of this account. I called macys asking for the information to send the payment, and they sent me a letter saying I do not have to pay. Now I want that account be removed from my collection account so I can work on making my credit score better.
Frequently Asked Questions
What is Complaint #7879842 about?
Complaint #7879842 was filed against Citibank, N.A. regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2023-11-20T12:00:00-05:00.
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.