Date Received: 2024-03-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Notice of Dispute Pursuant to 15 USC 1681n Dear XXXX, I am disputing inaccurate information on my credit report as provided by XXXX XXXX. This notice is pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681n. I dispute the following inaccurate information : [ Clearly state the inaccurate information being disputed. ] I demand immediate investigation and correction of the disputed items as required by law. Failure to comply may result in civil liability under 15 USC 1681n. Please acknowledge receipt of this dispute letter and provide a timeline for resolution. Sincerely,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-03-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I never applied for or ask for or paid for a credit card from XXXX XXXXXXXX or Citibank I have never used Citibank in my life or capital one I have never lived in XXXX XXXX or visited all three of these items are on. My credit report I have been trying to change the XXXX XXXX lie on my report for over ten years my sister stoked my Id and has been using it over 20 years I also never ask for any cell phone from cellular one I have lived in XXXX for the 8 years we dont even have cellular one in XXXX XXXX XXXX XXXX my sister who stole my identity she lives in XXXX XXXX XXXX XXXX XXXX XXXX she is behind these credit cards on my report and cellular one and she is the one who lived in XXXX XXXX for over 20 years not me I need my credit report corrected please
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2024-03-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-12
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: On Sunday XX/XX/XXXX I was advised that a legitimate purchase was declined. I called Citi and they said it was a computer glitch and I should have the vendor rerun it on Monday. They did. Declined again. Called and was now told it was " AI '' and " algorithms ''. However the same vendor charges me very similar amounts every week to ten days on the same card for the past three years. They ( Citi ) said they " fixed '' the problem. On Tuesday same amount same company- declined. This is hurting my business as the vendor is about to cut me off. Please investigate Citi
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28105
Submitted Via: Web
Date Sent: 2024-03-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-13
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I HAVE NOT GIVEN CONSENT TO ANY OF THESE COMPANIES. IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT THESE CREDITORS HAVE VIOLATED MY RIGHTS UNDER 15 USC 1681 SECTION 6 o 2 STATES I HAVE THE RIGHT TO PRIVACY.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48224
Submitted Via: Web
Date Sent: 2024-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-11
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I applied for a Best Buy Credit Card to purchase a TV and Soundbox. I was under the impression that I would be getting a one-year card with no interest. I had the money to buy the TV, but I wanted to keep my money. I am still waiting to receive the credit card, and I am still determining what information is on the card because I never received the card. I am able to login to the Best Buy site and see the order and return. However, I can not get to the credit card site because I don't have a card. I ordered a XXXX XXXX and a sound box the first week of XX/XX/year>. The sound bar was shipped, but the TV was to be delivered and set up by the XXXX XXXX. XXXX was scheduled for XX/XX/XXXX. Best Buy XXXX XXXX arrived and tried to install the TV, but the TV would not connect. They spent over an hour trying to get the TV to connect. They determined it was best that they take the TV back. I asked if I needed to follow them back to the store, and they said yes. When I arrived at the store, the customer service center stated it would be 24 hours before they could credit the TV to my account. So, I was told I would need to wait. I decided I would not purchase another TV and took the sound bar back the following Monday. Best Buy is stating I owe them {$100.00} plus interest. They need to find out what the charge is for. They continue to harass me with mail, email, text, and cell phone calls. Every time I call, they tell me it is under investigation, but they keep harassing me. I have nothing in my home from Best Buy, and I want the balance credited and the credit card canceled. I will never do business with Best Buy again.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27530
Submitted Via: Web
Date Sent: 2024-03-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-11
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I recently encountered a distressing issue with Citi 's fraud detection system and customer service. Despite initiating a wire transfer to my own account, Citi flagged it as fraud and locked my account. The customer service said the only way is to wait for a letter to arrive at home address and use the reference number on it. It first happened on XX/XX/XXXX, and it has been 13 days since this occurred, and I'm still awaiting a letter to unlock my account. Despite numerous calls to Citi 's representatives, I've been met with unhelpful responses, including one with a bad attitude. While one representative suggested using my verified number, I did call with my phone number put on the account only to discover the number that I used for 10 years, isn't registered as 'verified. ' Leaving me no way but to wait for the letter. My personal banker couldn't offer any alternative solutions, said when it comes to fraud department they have no power. This experience is not only frustrating but also absurd- it is ok to do fraud protection but forcing customers to endure lengthy delays ignoring urgent financial needs is not good. What is one is traveling outside from home? Does it mean they are not able to use their money? We are leaving in 2024 where remote work is a reality. Fraud detection is important but shouldnt be the excuse for putting no thought into the designing the process and hurt customers. I've filed multiple complaints, yet there has been no response or action from Citi, like Citi is ignoring complaints and just let customer have what they have.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 940XX
Submitted Via: Web
Date Sent: 2024-03-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-11
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: There are no fraudulent charges but my card was blocked. I called to verify my identity and gave them all my information and the correct cell phone and security word. They said that they have to send me a physical letter which can take XXXX days or more to arrive and that my family and I can not use the card until then. I asked if I could go to a physical branch to prove my identity and they said no. I asked why this happened and they told me they can't provide me with the information. I asked what about all the auto payments and they said to find another way to pay. I called them several times and nobody was able to help me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33027
Submitted Via: Web
Date Sent: 2024-03-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-10
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: XXXX I just received a check from Citi Bank with the amount of {$0.00} by XXXX on Friday, XX/XX/year>, this is truly Unbelievable! Citi still owes me the rest of interest from XXXX thru XXXX which should be approximately {$20.00}. My check, containing all of Savings and checking funds, was supposed to be delivered by XXXX on XXXX, however, the check didn't arrive until XXXX. The XXXX XXXX XXXX ( lady ) from Citibank in Texas confirmed that my account is being closed on XXXX ( which it was ) and that I would receive the check no later than XXXX. However that check didnt arrive until XXXX with a check date of XXXX. Please for verification, pull the recorded call on XXXX from Citi XXXX XXXX in Texas, this is what I was told. As a result, I lost 15 days worth of interest on my money they held up in error for XXXX ( XXXX ) months. They cost me interest as a result of their actions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45601
Submitted Via: Web
Date Sent: 2024-03-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-09
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Citibank changed my account to inactive status. Then I called the helpline and they gave me instructions on how to re-activate my account, which I then sent the letter on XX/XX/year> ( per their instructions ). I have not heard back and according to the helpline today ( XX/XX/year> ) they have not received the letter. They will not activate my account without the letter, which they claim they did not receive. When I call, they put me on hold for extended periods without returning and drop my call once I get connected to the supervisor. I simply want my account re-activated so I can close my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 761XX
Submitted Via: Web
Date Sent: 2024-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-09
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: I was late on XXXX diff payments since XXXX always under XXXX the date payment is due is on the XXXX of the month so I have to try and remember that. I always made the payment and late charge after notification, The store card had a XXXX credit line with my balance of XXXX, They dropped my credit line to XXXX. I have had and used this card for XXXX years.I find this extremely harsh and unjust. When I called about it they then told me they were going to mail me the explantion for this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A