Date Received: 2018-04-27T00:00:00
Product: Credit card debt
Issue: False statements or representation
Consumer Consent Provided to Share Complaint: Consent provided
Consumer Complaint: Citibank N.A negotiated with me a cancellation of debt in XX/XX/XXXXon a consumer revolving credit line, and I reported the amount as income on my tax return and paid any tax ‘s due.
I was provided a XXXX with remarks ” Cancellation of debt ” and ” discharge of debt ”, and further a letter from the Vice President saying that they will not longer attempt to collect the debt. I have sent both of these to Citibank N.A.
Fast forward to XX/XX/XXXX, Citibank N.A is now reporting the account on my credit reports as 90 days late every month all the way back to XX/XX/XXXX, with the entire balance still due, and refuses to remove the information and tells me only that I can pay them the full balance due as the debt is now still valid. What a scam!
The only representative that I was able to contact me hung up on me, when I was politely asking questions and sharing my proof that I have in writing.
I need the CFPB ‘s assistance as this is damaging my credit and potentially costing me huge amounts in higher interest rates due to Citibank ‘s wrong information.
Company: CITIBANK, N.A.
State/Zip: TN 370XX
Company Response to Complaint: Closed with explanation
Was Company Response Timely: Yes
Did Consumer Dispute Company Response: N/A
Complaint ID: 2888897
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