Date Received: 2024-01-02
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: Macy 's credit card is still showing on my credit report. It's now 7 yrs old and should have been removed now. I've tried disputing it on the credit bureau 's but they refuse to remove it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35244
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-02
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: XXXX weeks ago on XX/XX/2023 I tried to make a purchase with my Citi debit card and it was declined. I then proceeded to login because I knew I had the funds {$1100.00} to be exact and in the online app it was telling me my password was incorrect to try to reset it, once I changed the password and used it to log in it prompted me to call the customer service line because XXXX XXXX was blocked. Customer service then stated I had to speak to the XXXX department and gave XXXX a phone number for the XXXX department and it was XXXX and to select option XXXX then XXXX. When XXXX called XXXX wasnt even connected to the XXXX department XXXX was Directed to XXXX customer service and told XXXX they could not give XXXX XXXX information. They then transferred me to the XXXX department and when XXXX spoke With someone they told XXXX I had to wait XXXX days for a letter in the mail stating a reason why XXXX XXXX was blocked and subject to closure and that I had to wait for a check with the funds that remained in XXXX XXXX for that amount of time as well. XXXX XXXX was blocked for no reason at XXXX and I need it reopened so I can get the remaining funds I have in there but no one is giving XXXX more details.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 374XX
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-02
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: My bussiness partner and me went to XXXX XXXX XXXX and get the cashier check and deposit into my citibank account and the money was clear, and we went back to XXXX XXXX ask them to wire more money into my citibank checking account because we try to make a large withdraw from XXXX XXXX and they dont have enough fun so i was thinking about them wire to my citibank account so i can make a large withdraw..after all the fund clear with proof of XXXX XXXX wire statement, and citibank didnt want to give me 30k withdraw and they close my account and not send me my remain ballance back since i need the money for investment please help me
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92843
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-02
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: This company has no regards to following rules pertaining to fair debt collection practices. They've repeatedly called my phone non stop for months extending the maximum frequency of no more than 7 times in a XXXX consecutive period. I've done enough reading to know that it is a misdemeanor crime. They use multiple different phone numbers and it's stressed me out to the point it's felt like an impending doom lurking over my head. I have screenshots of the amount of phone calls and will submit proof. I've had XXXX calls, not including text messages and emails since just XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84044
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-02
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: In XX/XX/XXXX, I disputed fradulent charges by XXXX on my credit account that occured in XXXX. These charges were fradulent because I did not receive the services for which the charges were for. There were two fradulent charges for the same exact reservation for {$1200.00} and {$1000.00}. As of today, XX/XX/XXXX my billing dispute is still not resolved after countless calls, emails back and forth, collecting of evidence, and more. Furthermore, I recently called Citibank this week and they told me it is too far past the date of the transaction to continue the dispute, when it has been actively been disputed since XXXX. Every request for information or evidence from Citibank, I have responded to. It is absolutely ridiculous for a dispute process to not be resolved after almost XXXX months from the transaction date. As a consumer, I did everything in my power to ensure this process went as smoothly as possible. Citi Bank has totally failed me as a customer, and made me lose trust in them, as they did not appropriately protect me from fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07205
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-02
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I believe either Citi or XXXX stole XXXX from me. I got a check in the mail ( XXXX or XXXX ) with no restrictions on it from Citi bank for XXXX I put it in my XXXX XXXX XXXX XXXX. Citi then sent a maxed out credit card for XXXX and I was told to pay it back immediately. I paid it back XX/XX/XXXX check # XXXX. I paid XXXX EXACTLY. That should have been the end of it but Citi will not leave me alone stating their interest rate 29.99 % along with a late fee ( monthly ) XXXX on a fraudulent amount of money I have no idea where they manufactured that from. A random number in their head I suppose. They now think I owe them XXXX it looks like this : previous balance XXXX payment XXXX, credit XXXX, purchases ( I sent all their credit cards shredded back to them via registered mail on XXXX/XXXX/XXXX ) XXXX, cash advances XXXX, Fees {$41.00}, interest XXXX I asked them to use the XXXX redeemable thank you points and they deleted them all no credit to me. Someone called and asked for {$60.00} I said I wasn't born yesterday and don't send money to people who call me on the phone. Citi immediately reported this to the credit bureaus. I began with XXXX credit score Citi has ALONE brought it down to XXXX. BY THEMSELVES. They are vindictive liars. I wrote on a check PAID IN FULL. They cashed it and think I still owe more money. I DO NOT. I am paid in full. I paid them : XXXX ; {$190.00} on XXXX {$190.00} on XXXX {$26.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37643
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-01
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XX/XX/XXXX, I concluded a lease trade-in for my account ( XXXX ) with XXXX XXXX XXXX XXXX XXXX , Ohio. The following day, XX/XX/XXXX, I received a communication from XXXX XXXX regarding a late payment. I promptly clarified that the vehicle had been sold the previous day. Despite this, on XX/XX/XXXX, and continuing through XX/XX/XXXX, I received multiple subsequent calls from XXXX XXXX, each indicating a late payment. I repeatedly informed them of the vehicle 's sale. On XX/XX/XXXX, I contacted XXXX XXXX XXXXXXXX XXXX XXXXXXXX for more information regarding the payment status. They confirmed that Check XXXX for {$44000.00} had been dispatched to XXXX XXXX via XXXX ( tracking number XXXX ) and was received on XX/XX/XXXX, at XXXXXXXX XXXX XXXX. Later that day, I relayed this information to XXXX XXXX 's collections department, which led to a cessation of the repeated calls. By XX/XX/XXXX, my XXXX XXXX account ( XXXX ) reflected a {$0.00} balance, indicating full payment and no outstanding dues. However, on XX/XX/XXXX, a XXXX alert notified me of a XXXX drop in my XXXX XXXX XXXX due to a " 30 Day Late '' report by XXXX XXXX. Upon checking, I found the account marked as 'Past Due ' with a balance of {$19000.00} and XXXX remaining payments. Upon contacting XXXX XXXX, I was informed of system downtimes preventing immediate resolution. The situation worsened on XX/XX/XXXX, with additional XXXX alerts indicating further drops in my credit scores. After an extensive three-hour call with XXXX XXXX XXXX XXXX was informed that the payment check had been canceled by the dealer, necessitating further contact with XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX, after their investigation, the dealership confirmed that the check had cleared and was neither returned nor canceled. The company responded with the following information, admitting fault, on XX/XX/XXXX ( summarized ) : " The correspondence addresses XXXX XXXX 's lease agreement with XXXX XXXX for a XXXX XXXX XXXX XXXX, initiated on XX/XX/XXXX, through XXXX XXXX XXXX, with monthly payments of {$760.00}. The document acknowledges that the agreement was later assigned to XXXXXXXX XXXX XXXXXXXX XXXX and highlights a prior communication on XX/XX/XXXX, detailing corrections to the contract, indicating some initially incorrect or omitted information. Further, it provides a detailed payment history up to XX/XX/XXXX, urging XXXX XXXX to report any discrepancies between his records and the provided history for further investigation. The history outlines the receipt of payoff funds from XXXX XXXX XXXX dealership on XX/XX/XXXX, and the initiation of the dealer buyout process. It also mentions the issue of the account being reported as over 30 days past due to the late XX/XX/XXXX, payment. The response concludes with XXXX 's action to request consumer credit reporting agencies to update their records to reflect the account as XXXX payments over 30 days past due. It encourages XXXX XXXX to verify these updates with the agencies after 30 days and provides contact information for further assistance or inquiries. The communication reflects a structured approach by XXXX to address the concerns raised, offering transparency about the events and steps taken. '' In XX/XX/XXXX, I acknowledge the detailed investigation conducted and the subsequent corrections made to my consumer credit reports. Despite these efforts, the period during which incorrect information was present has inflicted immediate and significant damage to my entire credit portfolio. This situation has led to a distressing reduction in my financial flexibility and credibility. Now, in XXXX, XXXX, I am still suffering the damage from this. During the time the erroneous data remained on my reports, I have encountered several detrimental effects. Notably, 90 % of my credit card issuers reduced my available credit, directly impacting my financial maneuverability. Additionally, XXXX XXXX scores experienced a substantial average drop of over XXXX points. This decline in credit score is not just a number ; it represents a setback in my financial reputation, current and future borrowing capabilities. Although my records have been updated, the ramifications persist. The inability to reinstate my previous credit limits, due to the past-due reports, has further strained my financial health. This discrepancy has shifted my credit standing from good to poor, This single incident has effectively erased years of diligent financial management and will require a prolonged period to recuperate fully. The enduring impact on my creditworthiness is not just a temporary inconvenience but a long-term hindrance that will affect my financial decisions and opportunities for years to come. The gravity of this situation can not be understated, as it undermines the trust and reliability I have strived to build with financial institutions over many years. Furthermore, the consequences of this erroneous and grossly negligent reporting by XXXX XXXX have escalated to a critical point, severely undermining my financial stability. As a direct result of the cut limits instigated by the false XXXX late payment, my credit cards are now being systematically closed. This action has not only buried me under an insurmountable burden but also effectively barred me from obtaining new credit, trapping me in a vicious cycle of diminishing financial resources. The subsequent cutting of limits and closing of cards has had a profound and distressing impact on my mental health, financial health, and the stability of my family. Over the last XXXX months, I have faced a denial of over {$200000.00} in credit. Each attempt to rectify the situationwhether paying off a card or reducing the balancehas been met with immediate closure or further reduction of my credit limit, maintaining a suffocating level of over 95 % utilization. The negative mark, which still lingers on certain reports inaccessible to me as a consumer, has thwarted my ability to leverage equity in my home, as banks continue to receive this erroneous information. Consequently, XXXX XXXXXXXX mortgage score has plummeted into the XXXX, reflecting the severe and ongoing repercussions of this single report. Amidst this financial turmoil, I find myself in a state of despair. Despite having no late payments, only cut limits, and closed cards, I feel increasingly trapped and powerless. The psychological toll is immense ; I am enveloped in a sense of XXXX and entrapment, with no apparent avenue for relief or support. The weight of this situation bears heavily upon me, leaving me desperate for a solution to help my family and restore the financial stability and security we once knew.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43015
Submitted Via: Web
Date Sent: 2024-01-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-31
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I opened a new Citibank XXXX XXXX and Checking Accounts back on XX/XX/2023, and successfully deposited {$5000.00} on XX/XX/2023, from my local XXXX XXXX XXXX XXXX Account. Then additional deposits with a total Accelerate Savings balance of {$15000.00}, by the end of XX/XX/2023. On XX/XX/2023, I received an email from Citibank that my account will be closed within 60 days. The email simply states : Based on a recent review of your account, we found that you have violated the terms per the client manual. There were no specifics given in the email as to what terms exactly I violated. I have contacted Citibank multiple times this week since receiving this email, and Citi Representatives quoted the same statement in the email without adequate explanation why the account is closed. When I asked them how to get the remaining funds back, they said I will be receiving a letter in the mail with a detailed statement and a check of the remaining balance, which is around {$15000.00}. The Citibank agents I talked to either find excuses to disconnect me or tried to transfer me somewhere else where nobody understands what I was talking about and then transferred me again. It's been a real nightmare dealing with Citibank Customer Service. They have been extremely rude and nasty. As a consumer, I've diligently pursued all avenues to rectify this situation but ended up being put into a hopeless position as where I am now. It's ridiculous and beyond frustration. My accounts are totally blocked and I can not even log onto my accounts to view my balances. That's why I have decided to file this complaint. Thank you for your assistance in this very important matter. Sincerely, XXXX XXXX XXXX.
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: 2023-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-31
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: This is adding on to my claim already submitted for XXXX I wanted to add another document to show my on time history.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: RI
Zip: 029XX
Submitted Via: Web
Date Sent: 2023-12-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-31
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I received an invitation card from Citi bank for XXXX for XXXX XXXX XXXX XXXX XXXX plus cards, Ref # XXXX, XXXX, that has welcome bonus and other perks, I applied on XX/XX/2023 but for no obvious reasons, my application was rejected. I have an XXXX XXXX XXXX and all my payments are on time for the last 30 years. I believe it was my name and origin that triggered the denial and not any other business reason. Citi applied the race and origin to decide on my application and nothing else.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85086
Submitted Via: Web
Date Sent: 2023-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A