Date Received: 2023-12-28
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: A hard inquiry by XXXX dated XX/XX/22 appears on consumer reports. No disclosures were given for this hard inquiry.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48326
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-28
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I am writing to express my serious concern and dissatisfaction regarding the mishandling of my personal information, leading to a negative impact on my credit score. I have recently obtained my credit report from your bureau, and upon careful review, I have identified several inaccuracies and instances of unauthorized use of my information. In accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C 1681, I am entitled to accurate and fair reporting of my credit information. It has come to my attention that the following issues have occurred : Unauthorized Inquiry : I have identified an unauthorized inquiry on my credit report, which appears to have been made without my knowledge or consent. This unauthorized inquiry has contributed to the decline in my credit score. Incorrect Account Information : There are inaccuracies in the account information reported, including : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX CITIZNSXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These inaccuracies have unfairly impacted my creditworthiness. Identity Theft Concerns : The discrepancies in my credit report raise serious concerns about potential identity theft or fraud. I request a thorough investigation into these discrepancies to ensure that my personal information is not being misused by any unauthorized parties. I am attaching copies of relevant documents that support my claims, including proof of the unauthorized inquiry and any evidence that substantiates the inaccuracies in my credit report. I kindly request that you promptly initiate an investigation into these matters, in accordance with the FCRA. Under 15 U.S.C 1681i ( a ) ( 1 ), I request that you investigate the disputed information within 30 days of receiving this letter and, if necessary, correct or delete any inaccurate or incomplete information. Additionally, I request that you provide me with a written report of the results of the investigation. I trust that you will handle this matter with the urgency and seriousness it deserves. Failing to rectify these issues promptly may compel me to take further legal action to protect my rights under the FCRA. Please acknowledge receipt of this letter and inform me of the actions taken to address these concerns. I can be reached at XXXX or XXXX. Thank you for your immediate attention to this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21043
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-29
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: On XX/XX/2020, I used Citi Credit card to purchase XXXX XXXX laptops for a total of {$3600.00}, {$450.00} for each. On XX/XX/2020, Tracked shipping and XXXX tracking showed orders been delivered. However, I did not receive the products. I have filed the Police Report and informed the merchandise of the missing goods. And I disputed all the XXXX transactions with Citi. I called Citi multiple times, but they did not help to dispute the transactions. I provided the Receipt, the policy report to Citi, but Citi did not do the investigation and Citi still charged me the amount.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60611
Submitted Via: Web
Date Sent: 2023-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-29
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: When you are furnishing information to the CRA and that information you provide is inaccurate or incomplete you must PROMPTLY notify the CRA and provide corrections or additions. The FCRA requires that if you furnish any information to the CRA, you must include : Consumer credit limit You also may not report disputed information to the CRAs without telling the CRA FCRA 623 ( a ) ( 4 ) Properly furnish information to the CRA regarding a closed or charged off account FCRA 623 ( a ) ( 5 ) ( A ) Provide month and year of any referral to the CRA FCRA 623 ( a ) ( 5 ) ( B ) Accurate data FCRA 623 ( a ) ( 7 ) ( G ) ( i ) As defined by the Gramm-Leach -Billey Act And provide any proper notices as defined by the Truth in Lending Act 12 CFR Part 1022, Appendix B, FCRA 623 ( a ) ( 7 ) When you are notified by the CRA that a XXXXXXXX XXXX identity has been stolen ( XXXX XXXX PRACTICES ) ; you have specific duties under FCRA 605B. If the CRAs notify you that the information is being blocked due to identity theft you must not re-report FCRA 623 ( a ) ( 6 ) ( A ). You may not sell, transfer or place the debt for collection FCRA 615 ( f ) ( 1 ) and report accurate information FCRA 623 ( a ) ( 2 ) and supply complete and accurate information to law enforcement FCRA 605B ( f ) 615 ( g ) Dark web - 120 exposures, ToR, cloud etc - to verify a consumer identity when you see fraud FCRA 605A ( h ) ( B ) ( ii ). The Fair Credit Reporting Act 15 U.S.C. Section 1681 ( FCRA ) is U.S. Federal Government legislation enacted to promote the accuracy, fairness and privacy of consumer information contained in their files and regulates the collection, dissemination and use of consumer information. Title VI of Pub. L. 91-508, 84 Stat. 1114, enacted October 26, 1970 entitled An Act to amend the Federal Deposit Insurance Act to require bankers to maintain certain records, to require that certain transactions in United States currency be reported to the Department of Treasury and for other purposes - written as an amendment to add a title VI to the Consumer Credit Protection Act, Pub.L. 90-321, 82 Stat. 146 enacted June 29, 1968. XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX If a consumer 's rights under the FCRA are violated, they can recover ; actual or statutory damages, reasonable attorneys fees and costs ( pursuant to 15 U.S.C. 1681n ( a ) ( 3 ). ) court costs, and punitive damages if the violation was willful - punitive damages under 1681n of the FCRA. Statue of Limitation TEN YEAR window after the violation occurred 2022 XXXX XXXX XXXX XXXX XXXX, continues into 2023. Users of consumer reports information such as credit, background checks have the following responsibilities under the FCRA - Users can only obtain consumer reports for permissible purpose under FCRA and they must notify the consumer each time an adverse action is taken on the basis of such reports. Users must identity the company that provided the report so that it may be verified by the consumer. User being a company that furnishes information to CRAs with some sort of credit agreement such as a finance company, banking institution - not a church cult, XXXX XXXX, neighborhood XXXX patrol, or any other black market unauthorized parties. Regarding XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, etc ) ; the FCRA classifies them as nationwide specialty consumer reporting agencies under Section 603 of the Fair Credit Reporting Act - they are to also comply and maintain files on consumers on a nationwide basis relating to : HIPAA ( medical records ), residential or tenant history ( ALL ), check writing history ( e.g. Setup/Frame up - {$2000.00} XXXX XXXX XXXX fraud XXXX XX/XX/XXXX ), background checks and other public record information. They are also required to provide annual disclosures of their report files to the consumer. There have been violations of FCRA 611 ( a ) rule amongst a list of others offenses still within the Statute of Limitation and my children ( Attempts XXXX XXXX ). In response to CFPB XXXX Violations of the FCRA have a close relationship to the harm caused by the publication of defamatory information, a consumer does not have to prove that the false reporting caused an injury because the false reporting itself is the injury. The record contains evidence that the information on my credit reports is inaccurate. The FCRA, in 15 U.S.C. Sec. 1681n ( a ) ( 1 ) ( A ), allows a consumer to recover [ 1 ] any actual damages sustained by the consumer as a result of the [ violation ] or [ 2 ] damages of not less than {$100.00} and not more than {$1000.00}. ( emphasis added ). Despite receiving notice of dispute and the CRAs failed to conduct a reasonable investigation pursuant to the FCRA, failed to review all relevant information, failed to correct and update the credit report, and failed to take appropriate measures upon notice of the disputed debt as outlined in the FCRA. Since 2013, there have been numerous and multiple willful, reckless or negligent violations of the FCRA ; causing statutory damages pursuant to 15 U.S.C. 1681n ( a ) ( 1 ), punitive damages pursuant to 15 U.S.C. 1681n ( a ) ( 2 ). My family has standing, to be eligible to pursue and file a federal civil XXXX lawsuit. Under federal law ( 18 US Code 1962 ), the following four factors are explicit elements : The plaintiff must be a persondefined as an individual, have sustained an actual injury ( tangible harm ) ; sustained to the plaintiff property ; due to racketeering activity. XXXX makes it unlawful for any person employed by or associated with any enterprise engaged in, or the activities of which affect, interstate or foreign commerce, to conduct or participate, directly or indirectly, in the conduct of such enterprise 's affairs through a pattern of racketeering activity or collection of unlawful debt. 18 U.S.C. 1962 ( c ) Black 's Law Dictionary 156 ( rev. 4th ed.1968 ) A civil XXXX lawsuit allows the recovery of compensation for damages caused by racketeering activity. My family has strong, well-supported initial claim that raises sufficient allegations to move past the pleading stage. XXXX charges are not limited to mafia-related activities and other types of organized criminal activities in an enterprise or organization.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-27
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: XX/XX/XXXX Made an accidental {$130.00} payment on a XXXX balance Best Buy account. XX/XX/XXXX Sent notice of overpayment and requested return of funds. XX/XX/XXXX They asked for dollar amount and date -- I submitted both. XXXX They asked for an XXXX XXXX XXXX XXXX report. XX/XX/XXXX My bank was unfamiliar with that report but I did try to send them a file and a cut and paste from my account but the website would accept neither -- asked for an email address. XX/XX/XXXX Informed them because of their lack of response I would have to file with appropriate state and federal bureaus. Said I would wait for response until XX/XX/XXXX. No response. Note : Their own website shows the payment being made on a XXXX balance account. Very odd. Thank You
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97213
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-27
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I made a payment of {$900.00} on this account on XX/XX/XXXX for payment due XXXX XXXX. On XX/XX/XXXX I made another payment for {$400.00} payment due XX/XX/XXXX. This payment was made by using the " Pay Now '' button on the account dashboard through the website, not externally. Because this was apparently the statement ending date ( keeping in mind my payment DUE was XXXX XXXX, and had been made ), this payment was applied to no balance due but instead backwards to the XXXX statement. I chatted with a customer service online who was not helpful nor were they even remotely nice. I called a few days later and the first person I talked to was nice but not helpful so I asked to escalate. I was escalated to an " Account Manager '' who was incredibly rude the whole call. " I'm not going to repeat myself '' - I'm sorry, I thought this was your job? I am simply asking that there is no late fee, and my account is no longer marked past due, and unlocked. It's really not that difficult, as anyone can see that I made this payment and an automated system misapplied it. When the due date I SEE on the website says XX/XX/XXXX, it stands to reason that when I press that pay now button after that date, I'm paying for the NEXT due date. If I am incorrect - A. this is incredibly misleading and is absolutely entrapment on their part. XXXX it's clear I did not " not pay my bill '', so inform me of the bug on your website so I know what's reality in the future, and make an adjustment for a loyal customer who consistently pays on time so as not to penalize me for a " mistake '' that really wasn't a mistake. XXXX train your " Account Managers '' to interact with clients with respect and humanity, as the way I was interacted with was nothing like that, and completely inappropriate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 950XX
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-27
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Dear Wayfair and XXXX XXXX, I appreciate your prompt response to my debt validation letter dated XX/XX/, and I have carefully reviewed the information provided. However, there remain critical concerns that need to be addressed, and I believe it is in the best interest of both parties to reach an equitable resolution. 1. **Lack of Contractual Obligation : ** The absence of the requested contract specifying my obligation to pay the alleged debt raises concerns about compliance with the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ). To facilitate a fair resolution, I propose the deletion of this debt from my credit report. 2. **Possible Debt Cancellation : ** The potential cancellation of the debt via 1099c, as suggested by Wayfair 's language, raises questions about the validity of continued collection attempts. In light of this, and to ensure compliance with the FDCPA, I kindly request that Wayfair cease all debt collection efforts related to this account. 3. **Applicability of the FDCPA : ** While Wayfair asserted that the FDCPA does not apply to them as the original creditor, it is essential to recognize that a debt collector, as defined by the FDCPA 803 ( 6 ), includes anyone attempting to collect a debt. Acknowledging this, and to avoid any legal complexities, I suggest removing the debt from my credit report. 4. **Georgia State Laws : ** To further ensure compliance with Georgia s tate law ( O.C.G.A. 7-3-15 ), which mandates that debt collectors must be licensed, I request evidence of Wayfair 's compliance. 5. **Void Agreement : ** Given the lack of disclosure of important details about the agreement and my inability to understand the terms fully, I assert that any agreement we may have is now void. This is due to my reasonable expectation that all pertinent details would be transparently communicated. As such, I propose that Wayfair acknowledges the nullification of any agreement related to this alleged debt. In light of the above, and to foster an amicable resolution, I propose that Wayfair promptly removes the alleged debt from my credit report, ceases all debt collection attempts related to this account, and acknowledges the void status of any prior agreement. This approach will not only mitigate any potential legal complications but also save both parties the time and expense associated with protracted legal proceedings. I believe this course of action is fair and reasonable and trust that Wayfair will consider this proposal seriously. I anticipate your timely response confirming the implementation of these measures. Please enjoy your holiday.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-27
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 called Citibank two days before XXXX XX/XX/2023 to complain about a series of almost daily charges made showing payment to XXXX that I did not authorize. I allowed my son to use the credit card to get gas in his car and fast food on occasion. He apparently without my knowledge signed up for some online gaming site that turned out what may be a Russian scam operation. Once they got my credit card information, that repeatedly made charges to the card. I called Citibank and was told that the card was cancelled and that no further charges would be posted to the account after it was closed supposedly on XX/XX/2023. Despite my best efforts to have the card cancelled I kept seeing new charges posted to the credit card after I believed the account had been closed. The lady on XX/XX/2023 told me I would receive a new credit card with a new account number in a plain white envelope in about 10 days. I immediatly cut the credit card into tiny pieces and threw it away. When I kept seeing new charges posted to the account I called CitiBank again the first week in XXXX and tried to find out what was going on. The fraud department did not seem to have record of the first call in their system. I explained what had happened and that I should have no responsibility for any charges after my first call to Citibank on XX/XX/2023. I was told that since my son did apparently sign up for this Russian game that I would have liability for the XXXX charges. I told them that no services were provided and that the entity placing the charges was a scam operation. It appeared to me that Citibank was in some conspiracy with the creditor placing the charges against me. I have impeccable credit and went ahead and paid the bill in its entirety in dispute to keep my excellent credit. I received a letter today from Citibank that they contend the dispute is now closed and threatening to report my account as past due to the credit reporting agencies if the debt was not paid ( which I had already paid in full under protest ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30039
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-27
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 paid for postal services at the XXXX XXXX, FL post office on XX/XX/2023 at a cost of {$63.00} with a Citibank Mastercard charge card XXXX XXXX XXXX XXXX XXXX XXXX. When I received my bill, there was a duplicate charge for another {$63.00}, which I did not authorize or receive any services for. The transaction number for this duplicate and incorrect charge is XXXX XXXX, showing that it was entered immediately after the original legitimate charge as it bears the number XXXX single digit higher than that of the original legitimate charge as you will note. I sent a complaint to Citicards Customer Service on XX/XX/2023. I received a reply dated XX/XX/2023 from Citicards verifying the {$63.00} charge with a USPS receipt stating that there was only XXXX transaction and they were closing the investigation. The charge that was verified was the original charge ( # XXXX ). My credit card invoice, which I had submitted to them clearly shows XXXX transactions for the same amount, XXXX after the other as noted above. Citicards ignored this point. I have sent XXXX more letters dated XX/XX/2023, XX/XX/2023, XX/XX/2023 and most recently XXXX pointing out Citicards ' error. Each time, they have responded that the investigation is closed, and they can not ask the merchant for verification! However, their focus continues to be on the original charge only and not the subject of my complaint, which is the duplicate charge with the different transaction number! This is completely unacceptable as I'm sure you will agree.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 334XX
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-27
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/XXXX XXXX XXXX I made a deposit in the ATM and the machine broke down not crediting me my {$2000.00} in cash. After the bank investigated they only credited me {$100.00}. The back is not further helping me with a more thorough investigation that needs to be done. I will attach the ATM receipt given at the time and the fax confirmation of when I faxed it to bank that they claimed they never received.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90241
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A