Date Received: 2018-10-16T00:00:00
Product: Credit card debt
Issue: Took or threatened to take negative or legal action
Consumer Consent Provided to Share Complaint: Consent provided
Consumer Complaint: I called XXXX XXXX the last week of XXXX and the first week of XX/XX/2018 in an attempt to try to pay the past due balance of XXXX. When I reached out to them they told me that the debt was too old and they can’t receive payment from me. I was told the account had been forwarded to their legal department and reported it to the IRS and legal action was being taken. Then I was told the account had been sold. When I asked who was the third party it had been sent to, I was first told was unknown then I was told that I could not get that information and had to wait to be contacted. I am currently still waiting to be contacted and have not heard anything from anyone but they keep negatively reporting it on my credit report every month despite my attempts set up arrangements to pay the debt.
Company: CITIBANK, N.A.
State/Zip: CA 921XX
Company Response to Complaint: Closed with explanation
Was Company Response Timely: Yes
Did Consumer Dispute Company Response: N/A
Complaint ID: 3045948
The above data is from the Consumer Financial Protection Bureau. Keep in mind that every company will get a complaint from time-to-time, even the great ones. But there are a few key data points that will give you an idea about how well the company values their customers and handles consumer issues.
Look at the item Company Response to Complaint: and Did Consumer Dispute Company Response: to get a better idea of how this was resolved. And the field Consumer Complaint: can give you some context of the issue.
In particular what you are looking for was that the company response was timely and that the consumer did not dispute it. The posting of complaints has proven to be a valuable resource for both companies and consumers.