Citigold Minimum payments on checking plus

[Anonymous]

I have had this account for ten years and historically, and according to Citi's website, the bank takes the minimum payment each month automatically from your checking account, assuming the funds are there. For whatever reason, Citi failed to put itself in Sept, 2014 and I was unaware until they called me for payment a month later. At that time I pod the balance in full. Still, they reported the late to the credit bureaus and my score plunged and still lists this delinquency. I had sufficient funds in my checking account and despite numberous appeals to Citi, they won't remove he delinquency. Nonetheless, their replies to my request never address this issue. It's bizarre and infuriating. Has anyone else experienced this or have any advice on how to get their research team to actually pay attention to the reason I am disputing their lateness designation.

[DeeBee78]

If you want to successfully dispute this, you'll need to show documentation supporting your claim, which is Citi pulls the minimum payment automatically. This either needs to be a confirmation of an enrollment in an auto-pay program, or the account terms and conditions that state as much. You will also need proof that your account had the funds necessary to cover the automatic payment.

If you have that in hand, you can dispute with the CRA's, as well as file a complaint with the CFPB, which they're legally obligated to respond to. 

[Anonymous]

Thank you for your reply. I cant find proof of enrollment in that autopsy, but I have ten years of evidence that they took payments automatically and labeled them "pre-authorized transfer/payment to checking plus" in my transaction history. I also have the Citigold terms and conditions and advertisement from the citi website stating this is done. As for the amount available, they agree I had enough in my checking to cover the minimum payment. In fact, I deposited enough for an overdraft and the minimum payment in person to a teller at my local branch. Meanwhile, they continue to refuse to fix my credit report. It's bizarre and has been devastating from a credit point of view. I can't understand this at all. Nothing I show them seems to sway them.

[DeeBee78]

If Citi won't fix it, dispute it with the CRA's. You can file online with all three bureaus. 

[Anonymous]

Buy the way---apparently auto-correct changes auto-pay to autopsy!!

[Anonymous]

I will. Thank you. I have sort of tried but my conversations with the bureaus always seem to result in, get Citi to fix it.

[DeeBee78]

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@Anonymous wrote:
I will. Thank you. I have sort of tried but my conversations with the bureaus always seem to result in, get Citi to fix it.

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If you're getting pushback  with the CRA's, file a complaint with the CFPB.