Citibank and goodwill adjustments?

[nowaflguy]

So here's my story:

 

I was let go from my job in September 2014, where I had a corporate visa through citibank.  I accepted another job a few days later, that required a move from GA to FL.  Not realizing that citibank corporate cards, and citibank consumer cards were different business units, I thought I had done well when I updated my citibank consumer card and when they affirmed that it would updated all citibank accounts.

 

In October 2014 I paid off what I thought was my remaining balance of $3800.

 

I didn't received any correspondence or calls from citibank, and so I didn't think about them again.

 

Fast forward to January 2015

 

Things have been going well in FL, and my wife and I decided to buy our first home.  My mortgage broker told me I should enable credit monitoring atleast until the mortgage is finalized.

 

This is when it all started.

 

I received a credit monitoring alert on January 18th stating I had a new account, and a 90d late (!!!)  I immediately log in and see that my old citibank corporate card is now a new tradeline in my credit report, and that it is showing as 90d late.

 

I call citibank, and am told that I need to speak to a different group of folks that are only open weekdays (1-855-589-6912).  I'm not entirely sure who this is, but I suspect it's collections.

 

Having read a great deal on this forum on an old citibank thread from 2011, I call them up, and plead my case.  Asking them to make a "goodwill adjustment" to make sure I can still close on my mortgage.

 

The man I speak to seems pretty jaded, and says he doesn't know what that is, and that he can forward my account to a supervisor.  I'm told to call back tomorrow.

 

I have otherwise perfect credit, if a short history (I moved from the UK 5 years ago) so that one 90d late dropped my credit score by nearly 80 points (!!!)

 

I know that in the old thread there was a list of citibank e-mail addresses.  However, it's from 2011, and I'm thinking most are invalid now.  Has anyone had any luck in a case similar to mine in getting a commitment on late removal?  What is the best way to deal with this situation?

 

Thanks CICers!

[willingtocope]

If indeed you paid off the Citibank account, why is it reporting 90 days late?  Was there a remaining balance?

 

Also...what "credit score" are you looking at?  If its not directly from FICO, its not real.  Even if it is a FICO score, its probably the FICO Consumer Score (the "sucker score") which might not be reflected in your FICO Mortgage scores. 

[nowaflguy]

If indeed you paid off the Citibank account, why is it reporting 90 days late?  Was there a remaining balance?

 

Also...what "credit score" are you looking at?  If its not directly from FICO, its not real.  Even if it is a FICO score, its probably the FICO Consumer Score (the "sucker score") which might not be reflected in your FICO Mortgage scores. 

 

Unfortunately it wasn't the correct amount.  Looking at my statement, I have no idea where I got the $3800 from.  I owed an additional $1497.40.  In speaking with the regular citibank people yesterday, I was told that there is some sort of law / policy against contacting former employees over the phone which is why the only mailed me.  For some reason, these mails were not address forwarded like others I had received.  Had I known I still owed the money, I would have paid it without issue.

[willingtocope]

Well, I guess I'd suggest you call the number you were given and see who they are.  Avoid giving any identifying information if you can until you determine if its still inside Citi.  If so, you should be able to find out where to send a MONEY ORDER for the balance.  If its a CA, hang up...and then check your last statement or Citi's web site to find a number you can call...ask for the "resolution department".