{"took":662,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":6,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"14248757","_score":20.283997,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Company being complained about : XXXX XXXXXXXX XXXX Issue : Incorrect information on your credit report Consumer complaint narrative : I am formally requesting the removal or correction of the following account ( XXXX ) listed on my credit report provided by XXXX : EMVLP , LLC Account ending in XXXX : This account was paid in full on XX/XX/scrub> 2025, but is still being reported as charged-off. I request that it be properly updated or removed entirely. \n\nXXXX XXXX XXXX : A debt buyer reporting an account without providing legal documentation to validate the debt. Under the Fair Debt Collection Practices Act ( FDCPA ), I request removal unless full validation is produced. \n\nXXXX XXXX XXXX : This company has not provided proper validation of the debt, including original contract, proof of ownership and itemized account history. I request full validation or immediate removal.","date_sent_to_company":"2025-06-25T07:34:45.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"922XX","tags":null,"has_narrative":true,"complaint_id":"14248757","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SF VAGO, LLC","date_received":"2025-06-25T07:01:29.000Z","state":"CA","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Company being complained about : <em>XXXX</em> XXXXXXXX <em>XXXX</em> Issue : Incorrect information on your credit report Consumer <em>complaint</em> <em>narrative</em> : I am formally requesting the removal or correction of the following account ( <em>XXXX</em> ) listed on my credit report provided by <em>XXXX</em> : EMVLP , LLC Account ending in <em>XXXX</em> : This account was <em>paid</em> in full on XX/XX/<em>scrub</em>> 2025, but is still being reported as charged-off. I request that it be properly updated or removed entirely."]},"sort":[20.283997,"14248757"]},{"_index":"complaint-public-v1","_id":"13111437","_score":18.56695,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this formal rebuttal in response to Goldman Sachs Bank USAs inconsistent, deceptive, and factually incorrect responses regarding my Apple Card account. \n\nLet me be clear : I was never 30 days late. I paid the full minimum due on XX/XX/scrub> 2023, exactly 29 days after the XX/XX/XXXX due date. Under FCRA and Metro 2 guidelines, a 30-day delinquency can not be reported unless 30 full days have passed without the minimum payment being made. I paid on day 29 not day 30. The data Goldman Sachs furnished is false, damaging, and a violation of FCRA 623 ( a ) ( 1 ) ( A ).\n\nEven worse, I was never notified that a 30-day delinquency was being reported. No email. No letter. No formal notice of derogatory reporting. This alone is a violation of FCRA 623 ( a ) ( 5 ) ( A ), which requires that if a furnisher re-reports or inserts negative information to a bureau, they must notify the consumer within 30 days. I received nothing.\n\nTo make matters worse, Goldman Sachs submitted two contradictory explanations to the CFPB : In XXXX version, they said I satisfied the XXXX payment on XX/XX/scrub> 2023. \nIn another version, they claimed I didnt satisfy the XXXX payment until XX/XX/scrub> 2023 a provably false and outrageous claim. \n\nBoth narratives can not be true. These contradictions prove that their reporting is unreliable, their internal investigations are flawed, and their refusal to correct the damage is willful. \n\nI am demanding the following : 1. Immediate deletion of the inaccurate 30-day late mark from XX/XX/year>2023 across all credit bureaus. \n2. Notification to all CRAs that incorrect data was furnished.\n\n3. A full investigation into why no notice of derogatory reporting was sent to me as required by law.\n\n4. A CFPB-level review into Goldman Sachs practice of issuing conflicting responses under federal complaint to avoid liability.\n\nGoldman Sachs doesnt get to lie, backpedal, fabricate timelines, and still request this case be closed. I expect real action, real correction, and real accountability.","date_sent_to_company":"2025-04-23T04:16:16.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"64063","tags":null,"has_narrative":true,"complaint_id":"13111437","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"GOLDMAN SACHS BANK USA","date_received":"2025-04-23T03:30:02.000Z","state":"MO","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["To make matters worse, Goldman Sachs submitted two contradictory explanations to the CFPB : In <em>XXXX</em> version, they said I satisfied the <em>XXXX</em> payment on XX/XX/<em>scrub</em>> 2023. \nIn another version, they claimed I didnt satisfy the <em>XXXX</em> payment until XX/XX/<em>scrub</em>> 2023 a provably false and outrageous claim. \n\nBoth <em>narratives</em> can not be true. These contradictions prove that their reporting is unreliable, their internal investigations are flawed, and their refusal to correct the damage is willful."]},"sort":[18.56695,"13111437"]},{"_index":"complaint-public-v1","_id":"15711166","_score":9.312472,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"CFPB Complaint Credit Reporting ( FCRA ) Companies to select ( primary ) : Experian Information Solutions , Inc.\n\nEquifax Information Services LLC TransUnion LLC ( Optional furnishers to add if the portal allows additional companies ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \n\nIssue category : Credit reporting Incorrect information on your report Credit reporting Problem with a credit reporting companys investigation ( If applicable ) Identity theft/credit monitoring 1 ) Short public narrative ( XXXX characters ) I am disputing inaccurate and misleading credit reporting across Experian, Equifax, and TransUnion. The CRAs failed to maintain maximum possible accuracy ( FCRA 607 ( b ) ) and did not provide a complete Method of Verification after disputes ( FCRA 611 ). Examples include cross-bureau conflicts in status, limits/high credit, last payment/last reported dates, and payment strings that dont support charge-off/collection coding. Some items appear duplicated by debt buyers ( XXXX  ) without clear chain-of-title or a consistent Date of First Delinquency ( DOFD ). An authorized-user tradeline ( XXXX ) is derogatory without proof of my authorization. Certain accounts ( e.g., XXXX, XXXX ) were not addressed in bureau responses despite being reported. I request a manual reinvestigation, full MOVs, corrections to single verified Metro 2-compliant recordsor deletion if unverifiableplus written results.\n\n2 ) Full description ( What happened? ) Summary This complaint concerns FCRA violations by one or more nationwide CRAs. After disputes, the CRAs failed to : provide complete MOVs ( FCRA 611 ( a ) ( 7 ) ), and assure maximum possible accuracy ( FCRA 607 ( b ) ).\n\nKey issues ( representative patterns across items ) Cross-bureau inconsistencies : Same account shows different high credit/limits, account status ( open/closed/CO/collection ) , last payment dates , and last reported dates across CRAs.\n\nPayment-history logic problems : Charge-off/collection coding is paired with OK months or missing/partial payment strings, which is misleading and not Metro 2-compliant. \n\nXXXX + Collector overlap / duplicate effect : Debt-buyer tradelines ( XXXX, XXXX XXXX XXXX XXXX, XXXX ) appear to overlap original accounts without clear chain-of-title or DOFD, risking double-counting.\n\nAuthorized-user derogatory ( identity/mixed-file risk ) : A XXXX XXXX XXXXXXXX XXXX XXXX is negative . Please verify signed authorization ; if not attributable to me, block/remove.\n\nItems omitted from bureau replies : XXXX and XXXX were not addressed by certain CRAs even though they appear on reports ( e.g., XXXX  on Experian only ). \n\nPossible improper reinsertion : If any previously deleted item was reinserted, the CRA must provide the 5-day notice and furnisher certification ( FCRA 611 ( a ) ( 5 ) ( B ) ) ; otherwise permanently delete.\n\nRepresentative examples ( not exhaustive ) XXXX  XXXX ( multiple ) closed accounts show different high credits/limits and different last-payment/last-active dates across CRAs, yet all coded Late 120 Days. \n\nXXXX ( XXXX  ) appears open with late sequence and a separate XXXX XXXX collection on the same account number, suggesting overlap without clear DOFD/chain-of-title. \n\nXXXX XXXX ( installment ) high credit and payment strings conflict across CRAs ( e.g., OK strings vs charge-off coding ). \n\nXXXX XXXX XXXX XXXX XXXX XXXX  ( revolving ) credit limits/high credit and payment history differ by CRA ; some strings show OK months inconsistent with CO coding. \n\nXXXX ( installment ) continuous CO codes on one bureau while another shows long runs of OK ; status and strings conflict. \n\nXXXX / XXXX XXXX XXXX XXXX XXXX ( collections ) multiple collector versions of the same alleged debts, inconsistent opened dates and statuses, and missing chain-of-title and DOFD. \n\nXXXX ( Experian ) one tradeline shows continuous CO codes ; another shows Paid but prior XX/XX/scrub>30/60/90 lates ; neither was addressed by other CRAs responses.","date_sent_to_company":"2025-09-04T23:20:09.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"303XX","tags":null,"has_narrative":true,"complaint_id":"15711166","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-09-04T23:19:40.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["<em>XXXX</em> ( Experian ) one tradeline shows continuous CO codes ; another shows <em>Paid</em> but prior XX/XX/<em>scrub</em>>30/60/90 lates ; neither was addressed by other CRAs responses."]},"sort":[9.312472,"15711166"]},{"_index":"complaint-public-v1","_id":"15711533","_score":9.291285,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"CFPB Complaint Credit Reporting ( FCRA ) Companies to select ( primary ) : Experian Information Solutions , Inc.\n\nEquifax Information Services LLC TransUnion LLC ( Optional furnishers to add if the portal allows additional companies ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \n\nIssue category : Credit reporting Incorrect information on your report Credit reporting Problem with a credit reporting companys investigation ( If applicable ) Identity theft/credit monitoring 1 ) Short public narrative ( XXXX characters ) I am disputing inaccurate and misleading credit reporting across Experian, Equifax, and TransUnion. The CRAs failed to maintain maximum possible accuracy ( FCRA 607 ( b ) ) and did not provide a complete Method of Verification after disputes ( FCRA 611 ). Examples include cross-bureau conflicts in status, limits/high credit, last payment/last reported dates, and payment strings that dont support charge-off/collection coding. Some items appear duplicated by debt buyers ( XXXX  ) without clear chain-of-title or a consistent Date of First Delinquency ( DOFD ). An authorized-user tradeline ( XXXX ) is derogatory without proof of my authorization. Certain accounts ( e.g., XXXX, XXXX ) were not addressed in bureau responses despite being reported. I request a manual reinvestigation, full MOVs, corrections to single verified Metro 2-compliant recordsor deletion if unverifiableplus written results.\n\n2 ) Full description ( What happened? ) Summary This complaint concerns FCRA violations by one or more nationwide CRAs. After disputes, the CRAs failed to : provide complete MOVs ( FCRA 611 ( a ) ( 7 ) ), and assure maximum possible accuracy ( FCRA 607 ( b ) ).\n\nKey issues ( representative patterns across items ) Cross-bureau inconsistencies : Same account shows different high credit/limits, account status ( open/closed/CO/collection ) , last payment dates , and last reported dates across CRAs.\n\nPayment-history logic problems : Charge-off/collection coding is paired with OK months or missing/partial payment strings, which is misleading and not Metro 2-compliant. \n\nXXXX + Collector overlap / duplicate effect : Debt-buyer tradelines ( XXXX, XXXX XXXX XXXX XXXX, XXXX ) appear to overlap original accounts without clear chain-of-title or DOFD, risking double-counting.\n\nAuthorized-user derogatory ( identity/mixed-file risk ) : A XXXX XXXX XXXXXXXX XXXX XXXX is negative . Please verify signed authorization ; if not attributable to me, block/remove.\n\nItems omitted from bureau replies : XXXX and XXXX were not addressed by certain CRAs even though they appear on reports ( e.g., XXXX  on Experian only ). \n\nPossible improper reinsertion : If any previously deleted item was reinserted, the CRA must provide the 5-day notice and furnisher certification ( FCRA 611 ( a ) ( 5 ) ( B ) ) ; otherwise permanently delete.\n\nRepresentative examples ( not exhaustive ) XXXX  XXXX ( multiple ) closed accounts show different high credits/limits and different last-payment/last-active dates across CRAs, yet all coded Late 120 Days. \n\nXXXX ( XXXX  ) appears open with late sequence and a separate XXXX XXXX collection on the same account number, suggesting overlap without clear DOFD/chain-of-title. \n\nXXXX XXXX ( installment ) high credit and payment strings conflict across CRAs ( e.g., OK strings vs charge-off coding ). \n\nXXXX XXXX XXXX XXXX XXXX XXXX  ( revolving ) credit limits/high credit and payment history differ by CRA ; some strings show OK months inconsistent with CO coding. \n\nXXXX ( installment ) continuous CO codes on one bureau while another shows long runs of OK ; status and strings conflict. \n\nXXXX / XXXX XXXX XXXX XXXX XXXX ( collections ) multiple collector versions of the same alleged debts, inconsistent opened dates and statuses, and missing chain-of-title and DOFD. \n\nXXXX ( Experian ) one tradeline shows continuous CO codes ; another shows Paid but prior XX/XX/scrub>30/60/90 lates ; neither was addressed by other CRAs responses.","date_sent_to_company":"2025-09-04T23:20:06.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"303XX","tags":null,"has_narrative":true,"complaint_id":"15711533","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-09-04T23:08:43.000Z","state":"GA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["<em>XXXX</em> ( Experian ) one tradeline shows continuous CO codes ; another shows <em>Paid</em> but prior XX/XX/<em>scrub</em>>30/60/90 lates ; neither was addressed by other CRAs responses."]},"sort":[9.291285,"15711533"]},{"_index":"complaint-public-v1","_id":"15711465","_score":9.260606,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"CFPB Complaint Credit Reporting ( FCRA ) Companies to select ( primary ) : Experian Information Solutions , Inc.\n\nEquifax Information Services LLC TransUnion LLC ( Optional furnishers to add if the portal allows additional companies ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \n\nIssue category : Credit reporting Incorrect information on your report Credit reporting Problem with a credit reporting companys investigation ( If applicable ) Identity theft/credit monitoring 1 ) Short public narrative ( XXXX characters ) I am disputing inaccurate and misleading credit reporting across Experian, Equifax, and TransUnion. The CRAs failed to maintain maximum possible accuracy ( FCRA 607 ( b ) ) and did not provide a complete Method of Verification after disputes ( FCRA 611 ). Examples include cross-bureau conflicts in status, limits/high credit, last payment/last reported dates, and payment strings that dont support charge-off/collection coding. Some items appear duplicated by debt buyers ( XXXX  ) without clear chain-of-title or a consistent Date of First Delinquency ( DOFD ). An authorized-user tradeline ( XXXX ) is derogatory without proof of my authorization. Certain accounts ( e.g., XXXX, XXXX ) were not addressed in bureau responses despite being reported. I request a manual reinvestigation, full MOVs, corrections to single verified Metro 2-compliant recordsor deletion if unverifiableplus written results.\n\n2 ) Full description ( What happened? ) Summary This complaint concerns FCRA violations by one or more nationwide CRAs. After disputes, the CRAs failed to : provide complete MOVs ( FCRA 611 ( a ) ( 7 ) ), and assure maximum possible accuracy ( FCRA 607 ( b ) ).\n\nKey issues ( representative patterns across items ) Cross-bureau inconsistencies : Same account shows different high credit/limits, account status ( open/closed/CO/collection ) , last payment dates , and last reported dates across CRAs.\n\nPayment-history logic problems : Charge-off/collection coding is paired with OK months or missing/partial payment strings, which is misleading and not Metro 2-compliant. \n\nXXXX + Collector overlap / duplicate effect : Debt-buyer tradelines ( XXXX, XXXX XXXX XXXX XXXX, XXXX ) appear to overlap original accounts without clear chain-of-title or DOFD, risking double-counting.\n\nAuthorized-user derogatory ( identity/mixed-file risk ) : A XXXX XXXX XXXXXXXX XXXX XXXX is negative . Please verify signed authorization ; if not attributable to me, block/remove.\n\nItems omitted from bureau replies : XXXX and XXXX were not addressed by certain CRAs even though they appear on reports ( e.g., XXXX  on Experian only ). \n\nPossible improper reinsertion : If any previously deleted item was reinserted, the CRA must provide the 5-day notice and furnisher certification ( FCRA 611 ( a ) ( 5 ) ( B ) ) ; otherwise permanently delete.\n\nRepresentative examples ( not exhaustive ) XXXX  XXXX ( multiple ) closed accounts show different high credits/limits and different last-payment/last-active dates across CRAs, yet all coded Late 120 Days. \n\nXXXX ( XXXX  ) appears open with late sequence and a separate XXXX XXXX collection on the same account number, suggesting overlap without clear DOFD/chain-of-title. \n\nXXXX XXXX ( installment ) high credit and payment strings conflict across CRAs ( e.g., OK strings vs charge-off coding ). \n\nXXXX XXXX XXXX XXXX XXXX XXXX  ( revolving ) credit limits/high credit and payment history differ by CRA ; some strings show OK months inconsistent with CO coding. \n\nXXXX ( installment ) continuous CO codes on one bureau while another shows long runs of OK ; status and strings conflict. \n\nXXXX / XXXX XXXX XXXX XXXX XXXX ( collections ) multiple collector versions of the same alleged debts, inconsistent opened dates and statuses, and missing chain-of-title and DOFD. \n\nXXXX ( Experian ) one tradeline shows continuous CO codes ; another shows Paid but prior XX/XX/scrub>30/60/90 lates ; neither was addressed by other CRAs responses.","date_sent_to_company":"2025-09-04T23:20:06.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"303XX","tags":null,"has_narrative":true,"complaint_id":"15711465","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-09-04T23:19:40.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["<em>XXXX</em> ( Experian ) one tradeline shows continuous CO codes ; another shows <em>Paid</em> but prior XX/XX/<em>scrub</em>>30/60/90 lates ; neither was addressed by other CRAs responses."]},"sort":[9.260606,"15711465"]},{"_index":"complaint-public-v1","_id":"21076239","_score":5.8568444,"_source":{"product":"Credit card","complaint_what_happened":"XXXX XXXX CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ) COMPLAINT CITIBANK - IMPROPER ACCOUNT CLOSURE & PAYMENT PROCESSING FAILURES COMPLAINANT INFORMATION Name : XXXX XXXX Account Type : XXXX Citi Card Date of Complaint : XX/XX/year> COMPANY INFORMATION Company Name : Citibank ( XXXX XXXX XXXX ) Company Address : [ Citi Customer Service ] XXXX XXXX XXXX SUMMARY Citibank closed my credit card account without any prior notification, explanation, or opportunity to cure the issue. When I discovered the closure and called to resolve it, agents admitted they did not know why the account was closed and could not provide an explanation for 24-48 hours. Additionally, Citi agents claim to have processed two payments ( {$2100.00} on XX/XX/XXXX and {$530.00} on XX/XX/XXXX ), but my bank XXXX XXXX  XXXX XXXX XXXX has XXXX record of either payment attempt. This represents either fraudulent misrepresentation of payment status or a non-functional payment processing system. \nThese violations have damaged my credit and violated consumer protection laws. \n\nXXXX XXXX DETAILED COMPLAINT NARRATIVE XX/XX/year> - FIRST PAYMENT XXXX  ( USER ERROR ) I initiated a {$1700.00} payment to Citi from a XXXX  XXXX XXXX account with insufficient funds. The payment bounced due to lack of funds in that account. \n\nXXXX XXXX  Critical Issue XXXX XXXX XXXX Citi sent me NO notification of this bounce. I received no email, no call, no warning. I was not given any opportunity to correct the error or make a different payment. I remained completely unaware of this problem until XX/XX/year> ( 18 days later ). \n\nThis violates standard lending practices which require creditors to notify borrowers of payment issues and allow a cure period before taking action. \n\nXX/XX/year> - CORRECTIVE PAYMENT ATTEMPT ( PAYMENT PROCESSING FAILURE ) On XX/XX/year>, I discovered the XXXX bounce and immediately took corrective action. \nI initiated a {$2100.00} payment from my correct XXXX XXXX XXXXXXXX account ( ending in XXXX ), which has sufficient funds. \n\nXXXX XXXX  What Citi Claims XXXX XXXX XXXX  During my XX/XX/XXXX call, Citi agent XXXX XXXX stated : theres a payment here for {$210000.00} that was done on the XXXX of XXXX, which youre getting credit for right now He further stated : we normally, we are gon na try a total of 3 times to try to collect on that, on those funds, before we say, okay, were not gon na get that money This suggests Citi is processing the payment and crediting my account. \n\nXXXX XXXX Verification Problem XXXX XXXX XXXX XXXX XXXX XXXXXXXX has ZERO record of this payment attempt on XX/XX/year>. \n\nXXXX  No posted transaction XXXX  No pending transaction XXXX No record in my transaction history XXXX No debit from my account XXXX XXXX  Conclusion : XXXX XXXX  Either Citi never submitted this payment to my bank, or Citi is misrepresenting payment status to the customer. This is a serious processing failure or fraud. \n\nXX/XX/scrub>XXXX XXXX XXXX  ACCOUNT CLOSURE DISCOVERED ( NO NOTICE ) On XX/XX/year>, I checked my XXXX Citi app and discovered my account was CLOSED. \n\nXXXX XXXX  How I Found Out : XXXX XXXX  I discovered this closure by accident while checking my app. I received NO notification from Citi prior to closure. No email, no phone call, no letter, no warning. \n\nThis is a critical procedural failure. Standard lending practice requires : XXXX. Notice to customer that account is at risk of closure XXXX. Explanation of the reason XXXX. Opportunity for customer to cure the issue XXXX. THEN closure, if necessary Citi violated all of these standards. \n\nFIRST CALL TO CITI - XX/XX/year> ( AFTERNOON ) Agent Name : XXXX Call Duration : XXXX minutes XXXX XXXX I Asked XXXX XXXX XXXX Why was my account closed? I need an explanation. \n\nXXXX XXXX XXXXXXXX XXXX Admitted : XXXX XXXX I dont even have the reason why they close out the account. I do show that they count closed and they sent out an email on it. So unfortunately I cant. I cant tell you why exactly you closed out.\n\nTranslation : The agent himself does not know why my account was closed, and no explanation is available to him. \n\nXXXX XXXX XXXX XXXXXXXX Admitted ( Process Issue ) : XXXX XXXX  if they see that they need to close out the account, it is immediate, it, it is closed out right away. Um, and then they send out the email Translation : Citi closes accounts FIRST and notifies AFTER. This is backwards from standard practice and violates consumer protections. \n\nXXXX XXXX  When Will I Get an ExplanationXXXX XXXX XXXX XXXXXXXX XXXX stated : the fulfillment usually takes about 24 to 48 hours for you to receive that email Translation : It takes 24-48 hours for the explanation letter to be sent. As of XX/XX/XXXX, I still had XXXX explanation for why my account was closed. \n\nXXXX XXXX  Credit Impact Question XXXX Dodged : XXXX XXXX  I asked : Well, this will affect my credit score, right? What are the consequences? \n\nXXXX XXXX responded : unfortunately were not credit experts on this one so I can not. I can not say how its gon na affect you XXXX : Citi closed my account but refuses to explain the credit impact. \n\nXXXX XXXX  I Offered to Pay Immediately XXXX XXXX XXXX  I asked : Can we pay the {$530.00} balance now then? \n\nXXXX XXXX agreed and I authorized a {$530.00} payment from my correct XXXX  account ( ending in XXXX ) for that same day ( XX/XX/year> ). \n\nXXXX XXXX XXXX XXXXXXXX Confirmed XXXX XXXX XXXX  you authorized city to withdraw a one time electronic payment of {$530.00} on XX/XX/year> from account ending in XXXX to change or to cancel your payment calls at this number or contract us online via live chat before midnight Eastern time today XXXX XXXX  Verification Problem XXXX XXXX XXXX XXXX XXXX XXXXXXXX has XXXX record of this payment attempt on XX/XX/year>. \n\nXXXX No posted transaction XXXX No pending transaction XXXX No record in my transaction history XXXX  No debit from my account Despite Citis confirmation that the payment was now being processed, my bank has XXXX evidence this payment was ever submitted. \n\nESCALATION CALL - XX/XX/year> ( LATER ) Agent Name : XXXX XXXX ( Escalation Team ) Call Duration : XXXX minutes XXXX XXXX  I Demanded Escalation XXXX XXXX XXXX  Since the initial agent couldnt help, I asked to speak with escalation. \n\nXXXX XXXX  Same Issue - No Explanation Available XXXX XXXX XXXX Escalation agent XXXX XXXX stated : I dont have a letter I can read unfortunately that hasnt updated on my end either yet. So hopefully by tomorrow morning, be able to have something here XXXX : Even after escalation, NOBODY at Citi can tell me why my account was closed. This is unacceptable. \n\nXXXX XXXX  Same Process Admitted XXXX XXXX XXXX XXXX XXXX confirmed : So any of this time the decision happens, its immediate, if they, if they see that they need to close out the account, it is immediate, it, it is closed out right away. \nUm, and then they send out the email XXXX : The same backwards process is confirmed - close first, explain later. \n\nXXXX XXXX  My Response to Escalation Agent : XXXX XXXX I stated clearly : I didnt even know that it was going to happen until I had to check the app and thats not the best way of customer transparency at all it doesnt make sense as to why I have to wait 20 to 48 hours when you can close my account whenever and just never tell me. Thats really bad customer service and really bad, bad way of treating your customers. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX No defense offered. Agent had no answer. \n\nXXXX XXXX  I Announced CFPB Complaint XXXX XXXX XXXX  I stated : Ill be sending a CFBP report and Ill be sending a report and Ill be sending up to the higher ups so we can we can get this resolved Agent acknowledged and offered no remedy. \n\nXXXX XXXX VIOLATIONS OF LAW & REGULATION XXXX XXXX XXXX  IMPROPER ACCOUNT CLOSURE WITHOUT NOTICE XXXX XXXX XXXX  Citi closed account immediately without prior notification XXXX  No opportunity given to customer to cure the issue XXXX  Violates Truth in Lending Act ( TILA ) and Regulation Z XXXX  Violates Dodd-Frank Act consumer protection requirements XXXX XXXX XXXX FAILURE TO PROVIDE REASON FOR CLOSURE XXXX XXXX XXXX  Citi agents admitted they dont know/cant provide reason for closure - Violates consumer disclosure requirements- Violates Fair Credit Reporting Act ( FCRA ) implications - Required by lending standards to explain closure reason XXXX XXXX XXXX  MISREPRESENTATION OF PAYMENT STATUS XXXX XXXX XXXX  Citi claims to have processed {$2100.00} ( XX/XX/XXXX ) and {$530.00} ( XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has XXXX record of either payment - Either Citi is lying about payment processing or system is broken- Violates Fair Debt Collection Practices Act ( FDCPA ) if false XXXX XXXX XXXX  FAILURE TO DISCLOSE CREDIT IMPACT XXXX XXXX XXXX  Agent explicitly refused to explain credit consequences of closure - Violates consumer protection disclosure requirements- Customer has no knowledge of credit damage from account closure XXXX XXXX XXXX  INADEQUATE CUSTOMER SERVICE & ESCALATION XXXX XXXX XXXX Both agents ( initial and escalation ) unable to provide basic information - No resolution pathway offered - Process inadequate for consumer protection XXXX XXXX EVIDENCE SUPPORTING COMPLAINT ATTACHED EVIDENCE : XXXX XXXX XXXX  CALL TRANSCRIPTS ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> afternoon call with Agent XXXX - XX/XX/year> escalation call with Agent XXXX XXXX - Contains direct quotes showing agent admissions- File : CITIXXXXCALLXXXXTRANSCRIPTSXXXXCONSOLIDATEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSACTION XXXXXXXX XXXX XXXX XXXX Showing XX/XX/year> : {$1700.00} attempted ( wrong account - bounced ) - Showing XX/XX/year> : NO RECORD of {$2100.00} claimed payment - Showing XX/XX/year> : NO RECORD of {$530.00} claimed payment - Showing sufficient funds available in account ending in XXXX XXXXXXXX XXXX XXXX  CITI APP CLOSURE SCREENSHOT XXXX XXXX XXXX  Showing account closed on XX/XX/year> - Showing notification history with no prior warning XXXX XXXX XXXX EMAIL HISTORY XXXX XXXX XXXX No closure warning email before XX/XX/XXXX - Last communication was XX/XX/XXXX about transaction problem XXXX XXXX IMPACT ON CONSUMER XXXX XXXX XXXX CREDIT SCORE DAMAGE XXXX XXXX XXXX  Account closure will appear on credit report - Reduces credit score - Impacts ability to obtain loans, credit cards, apartment rental - Affects financial life for XXXX years - Citi refused to disclose the extent of this damage XXXX XXXX XXXX  FINANCIAL UNCERTAINTY XXXX XXXX XXXX {$530.00} balance owed but status unclear - Payment status unknown ( claimed processed by Citi, not verified by bank ) - No clear pathway to resolve the debt - No explanation of late fees, penalty XXXX, or collection actions XXXX XXXX XXXX  EMOTIONAL DISTRESS & INCONVENIENCE XXXX XXXX XXXX Account closed without notice - Discovery by accident while checking app - Multiple calls required to even understand basic information - No resolution offered by company - Forced to escalate to regulatory body XXXX XXXX XXXX INABILITY TO USE ACCOUNT XXXX XXXX XXXX  Account used daily ( I use this car on a daily basis - card used frequently ) XXXX Sudden closure creates financial hardship - No advance notice to make alternative arrangements XXXX XXXX XXXX TIMING IMPACT XXXX XXXX XXXX  Graduate school applications pending ( would consider credit history ) - Planning apartment move in XX/XX/year> ( would require credit check ) - Account closure creates risk of financial consequences during critical life events XXXX XXXX REQUESTED RESOLUTION I am requesting the following fair resolution : XXXX XXXX XXXX  WRITTEN EXPLANATION XXXX XXXX XXXX  Provide written explanation of the specific reason my account was closed - This should be provided immediately, not 24-48 hours later - Explanation must be detailed and clear XXXX XXXX XXXX CREDIT REPORT CORRECTION XXXX XXXX XXXX Ensure my account is reported to credit bureaus as Closed - Paid in Full or Settled- NOT as delinquent, charge-off, late payment, or negative status - Provide written confirmation of credit bureau reporting - Ensure no negative marks appear once I pay the balance XXXX XXXX XXXX NO ADDITIONAL CHARGES XXXX XXXX XXXX  Confirm in writing that no late fees will be applied - Confirm no penalty XXXX has been applied - Confirm no collection actions will be taken - Balance owed is {$530.00} - no additional charges XXXXXXXX XXXX XXXX PAYMENT PROCESSING INVESTIGATION XXXX XXXX XXXX Investigate why XX/XX/XXXX payment ( {$2100.00} ) has no record at XXXX  XXXX XXXX- Investigate why XX/XX/XXXX payment ( {$530.00} ) has no record at XXXX  XXXX XXXX- Provide written confirmation of payment status from both Citi and XXXX XXXX  If payments were never submitted, confirm immediately so customer can resolve XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to account as acknowledgment of : - Lack of prior notification before closure - Failure to provide immediate explanation - Procedural failures that violated lending standards - Inconvenience and distress caused XXXX XXXX XXXX  WRITTEN SETTLEMENT CONFIRMATION XXXX XXXX XXXX Provide written settlement agreement confirming all above terms - Before any payment is made, I need written confirmation these terms are accepted XXXX XXXX TIMELINE SUMMARY XX/XX/XXXX : Payment bounced ( user error ) - NO NOTIFICATION from Citi XX/XX/XXXX : Corrective payment sent - Citi CLAIMS to process it, Bank has NO RECORD XX/XX/XXXX : Account closure discovered by customer checking app - NO PRIOR NOTICE XX/XX/XXXX : Customer calls Citi - XXXX admits no reason available XX/XX/XXXX : Customer authorized payment - Citi CLAIMS to process it, Bank has NO RECORD XX/XX/XXXX : Escalation call- Same agent admits no explanation available XX/XX/XXXX : Customer announces CFPB complaint - No response from Citi XXXX XXXX STATEMENT OF TRUTH I declare under penalty of perjury that the information provided in this complaint is true and accurate to the best of my knowledge. The call transcripts are directly from the conversations that occurred on XX/XX/year>, with Citibank customer service representatives. XXXX  XXXX XXXX statements and transaction histories are accurate records from my account. All dates and amounts are factually correct. \n\nRespectfully submitted, XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX SUPPORTING DOCUMENTS Please attach the following to your CFPB complaint : XXXX. CITIXXXXCALLXXXXTRANSCRIPTSXXXXCONSOLIDATED.txt XXXX. XXXX  XXXX XXXX statement ( XX/XX/XXXX - XX/XX/year> ) - screenshot or PDF XXXX. Citi app closure screenshot ( showing closed on XX/XX/XXXX ) XXXX. Email history screenshot ( showing no closure warning ) XXXX. XXXX  XXXX XXXX written confirmation of XXXX transactions ( from XXXX call ) XXXX XXXX END OF COMPLAINT REPORT","date_sent_to_company":"2026-04-09T02:03:08.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"06074","tags":null,"has_narrative":true,"complaint_id":"21076239","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2026-04-09T01:39:17.000Z","state":"CT","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["<em>XXXX</em> <em>XXXX</em> DETAILED <em>COMPLAINT</em> <em>NARRATIVE</em> XX/XX/year> - FIRST PAYMENT <em>XXXX</em>  ( USER ERROR ) I initiated a {$1700.00} payment to Citi from a <em>XXXX</em>  <em>XXXX</em> <em>XXXX</em> account with insufficient funds. The payment bounced due to lack of funds in that account. \n\n<em>XXXX</em> <em>XXXX</em>  Critical Issue <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> Citi sent me NO notification of this bounce. I received no email, no call, no warning. I was not given any opportunity to correct the error or make a different payment."]},"sort":[5.8568444,"21076239"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":6,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":6}]}},"product":{"doc_count":6,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":5,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":5}]}},{"key":"Credit card","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":1}]}}]}},"issue":{"doc_count":6,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Incorrect information on your report","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Information belongs to someone else","doc_count":3},{"key":"Account status incorrect","doc_count":1}]}},{"key":"Closing your account","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company closed your account","doc_count":1}]}},{"key":"Improper use of your report","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Reporting company used your report improperly","doc_count":1}]}}]}},"timely":{"doc_count":6,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":6}]}},"company_response":{"doc_count":6,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":3},{"key":"Closed with non-monetary relief","doc_count":3}]}},"submitted_via":{"doc_count":6,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":6}]}},"company":{"doc_count":6,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"CITIBANK, N.A.","doc_count":1},{"key":"EQUIFAX, INC.","doc_count":1},{"key":"Experian Information Solutions Inc.","doc_count":1},{"key":"GOLDMAN SACHS BANK USA","doc_count":1},{"key":"SF VAGO, LLC","doc_count":1},{"key":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","doc_count":1}]}},"state":{"doc_count":6,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"GA","doc_count":3},{"key":"CA","doc_count":1},{"key":"CT","doc_count":1},{"key":"MO","doc_count":1}]}},"company_public_response":{"doc_count":6,"company_public_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","doc_count":3}]}},"tags":{"doc_count":6,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}}},"_meta":{"license":"CC0","last_updated":"2026-07-15T12:00:00-05:00","last_indexed":"2026-07-15T12:00:00-05:00","total_record_count":16469162,"is_data_stale":false,"has_data_issue":false,"break_points":{}}}