I have been a Citi Financial customer for years. I recently found out that money I borrowed from Citi Financial in 2004, in the approximate amount of 600.00, to pay off an outstanding Visa bill, was not paid. To this day there is no record on file to show that it was. My local Citi Financial told me there was a record of a cheque issued, but they were unable to provide me with a number to prove the cheque was actually issued to cover the outstanding debt. This only leads me to believe that the funds were never paid. According to the records of my financial institution, CIBC, no funds have been received to cover this debt to this date. So the debt has never been paid, and it has stayed on my credit record to this day, 4 years later.
In my quest to clear this, Citi Financial advised me to go to Equifax to get a credit report, as they would not do the search themselves. As instructed, I processed a credit report through Equifax and found out in the process that the Visa bill for CIBC was never paid. This gave me my bad credit rating. Upon receiving this information, I found out that this debt has been on my record for the past 4 years. How could this happen? I trusted Citi Financial to see that this debt was paid, only to find that to this day the debt is still outstanding and tarnishing my credit record. I tried very hard to clear up this debt, but I was very disappointed to see that a financial institution that I trusted for years had let me down.
As per instructions given to me by a Citi Financial representative, I was given a number to clear this, only to be given an endless list of numbers, each of which gave me another number. I have now exhausted the numbers given to me and still have no answers. If you would like a list of the numbers I have been provided with, which have all been unsuccessful, they are as follows:
1 866 244 9275
1 888 638 2274
1 888 638 2274
1 800 263 2374
1 800 995 2274
1 800 922 6235
As you can see from the numbers above, I have repeatedly tried to fix my credit rating with the numbers I was given, only to get another toll-free number that did not solve my situation. To this day, I have yet to be given a number to clear this debt, which was supposedly paid by Citi Financial 4 years ago, and I have nowhere to turn but to complain to the people I trusted to help fix this matter.
I trust you will help me fix this matter and finally clear it, as it has haunted me for months. I look forward to your immediate response. To further help you in this matter, I have provided information below that will help in your investigation. Thanking you in advance.
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