topic Re: Citibank 30 day late delete and dispute issue in Rebuilding Your Credit

Citibank 30 day late delete and dispute issue

Anonymous — Thu, 30 Mar 2017 14:25:31 GMT

Back in August 2016 I had a payment due for $20 dollars. I had missed it by 3 days and received a 30 day late mark on my credit report. i went and wrote a good will letter to citibank and they immeditely denied it saying the information was accurate and added the line "Consumer Disputes This Account Information -- Meets FCRA Requirements". In my letter I never disputed anything but simply asked for good will deletion. I went on the myfico forums and found a thread with a similar situation that happend to someone else. http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Warning-re-Citi-and-goodwill-requests/td-p/4485883 Took the advice, i filed a complaint with the cfpb because citibank had not sent me a copy of the investigation after 30 days had passed. I said I never disputed anything but asked for a good will deletion, so citibank never removed the 30 day late but instead removed the "Consumer Disputes This Account Information -- Meets FCRA Requirements" comment off my credit report. How do I handle it from here I feel they never sent me a copy of investigation the mark should be removed. Thanks.

Re: Citibank 30 day late delete and dispute issue

Anonymous — Thu, 30 Mar 2017 14:57:33 GMT

Why should they send you a copy of an investigation if you did not dispute the account?

Re: Citibank 30 day late delete and dispute issue

Anonymous — Thu, 30 Mar 2017 16:22:05 GMT

I didnt dispute it but in there initial response to me they treated it as a dispute. Im not sure if i should start the process over or where i should go from here

Re: Citibank 30 day late delete and dispute issue

Anonymous — Thu, 30 Mar 2017 16:26:35 GMT

The entry on your report was an error and if they remove that then there is now investigation.

Re: Citibank 30 day late delete and dispute issue

Anonymous — Thu, 30 Mar 2017 16:28:11 GMT

Im lost so what happens now lol never disputed like this before

Re: Citibank 30 day late delete and dispute issue

Anonymous — Thu, 30 Mar 2017 17:01:48 GMT

Just continue with your goodwill campaign BrutalBodyShots has and excellent thread on how to do it. http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/The-Saturation-Technique-Best-GW-adjustment-odds/m-p/4727098#M504189

Re: Citibank 30 day late delete and dispute issue

RobertEG — Thu, 30 Mar 2017 17:03:04 GMT

If they have removed reference to resolution of a dispute, then the issue of incorrectly treating your GW request as a direct dispute appears to have been corrected.

The more significant issue appears to be how, if you were only 3 days late in the payment, they reported a 30-late.

Being late is not basis for reporting a late to the CRA.

It must be 30 or more days past the billing due date.

Can you clarify the billing due date and the date payment was credited?

Re: Citibank 30 day late delete and dispute issue

Anonymous — Thu, 30 Mar 2017 17:26:57 GMT

I mean 3 days past 30 so 33

Re: Citibank 30 day late delete and dispute issue

Anonymous — Thu, 30 Mar 2017 17:30:47 GMT

The comment line also must be provided by the creditor if they investigate an account based on your request. A goodwill request can be this. This is why the "meets FCRA requirement" is there as well.

You need to ask Citi to update it.

Re: Citibank 30 day late delete and dispute issue

Anonymous — Thu, 30 Mar 2017 17:37:01 GMT

How would i write that what do i say

Re: Citibank 30 day late delete and dispute issue

Anonymous — Thu, 30 Mar 2017 18:05:10 GMT

@Anonymous wrote:
How would i write that what do i say

Just say you are not currently disputing the accuracy of the account so to please remove the dispute remarks from your credit report.

Re: Citibank 30 day late delete and dispute issue

Anonymous — Thu, 30 Mar 2017 18:06:23 GMT

I did that before and they removed them and they will update in 30 days im just trying to get the late mark off

Re: Citibank 30 day late delete and dispute issue

Anonymous — Thu, 30 Mar 2017 18:44:54 GMT

@Anonymous wrote:
I did that before and they removed them and they will update in 30 days im just trying to get the late mark off

You were 33 days late, you don't deny that. You didn't dispute the accuracy of it, you asked for a good will adjustment. Because they were investigating the account, they are required to add the remark that they are doing so. For whatever reason, they denied you the good will adjustment. They haven't broken any laws.