Date Received: 2023-12-10
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: on XXXX i XXXX XXXX XXXX applied for a CITIBANK XXXX XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX id number XXXX I was denied XX/XX/2023 and sent an affidavit on XX/XX/2023 with return receipt requested mail, demanding my credit decision be overturned due to my application being monetized, and the securities from of my application being deposited into their institution. Because they denied me access to my credit that was created with my application as a promise to pay. My application became my negotiable instrument which became my collateral and was deposited per 12 USC 1141 ( g ) ( 2 ) They are are violating the Equal Credit Opportunity Act and Securities Fraud Act under 18USC 1348, The law clearly states that all applications that are not returned must be approved. 15 USC 1691 ( a ) clearly states " it shall be unlawful for any creditor to discriminate against any applicant with respect to any aspect of a credit transaction scation. Failure to comply is defined as adverse action against a consumer, which is illegal. '' I did also send an email and fax, i have not received anything back that stated they were going to approve it, i did send out another affidavit to get my credit card issued to me or i will be filing a lawsuit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 782XX
Submitted Via: Web
Date Sent: 2023-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-10
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Was sent a flyer stating that I hadn't used my MACY 's card for 27 months ( I lost the card and could not find it ). I finally found it and tried using over the XXXX Friday week-end. It came up that there was no account number like that. Tried calling in my order and the voice said that there was no such number. I called Macy on XX/XX/2023 at XXXX and talked to XXXX. Was told that the account was closed on XX/XX/2023 and she could not open it back up. Read her the promotion and could use the Macy 's card and get 25 % off my purchases. I said I want to talk to a Supervisor ( XXXX ) and she told me the same thing. Read her the promotion and said she was sorry. I told her that's not the way to do BUSINESS!! I called the television station and told them what had happened and they told me to file a complaint with you and to try and contact MACY 'S again. I called MACY 'S on XX/XX/2023 at XXXX and talked to XXXX. Told her the story and she transferred me to her Supervisor ( XXXX ). Again... We are sorry and they can't do anything about this situation. Said that maybe some higher ups would call me-YEAH RIGHT!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-11
Issue: Fraud or scam
Subissue:
Consumer Complaint: I did business with a company name is Best Buy on the website XXXX for around 5 months and after I withrawed my money from my Best Buy account to the bank account they held it for tax payment processing process with charge rate is 25 % then i had to pay amount of XXXX for tax .After I completed tax payment they did not release my withrawal then they ask me for another payment as the deposit is used as an emergency fund for the tax rate adjusted with amount of XXXX .At this time I was run out of money to pay this deposit payment and they request me have to do it as soon as possible and if i do not complete the final payment for the long period of time, the platform will implement a freeze status on my account which will cause inconvenience to my withrawal .This time I scare and suspect this company dont want to release my withrawal even if I try to complete the final payment they will dissappear with my sum of money total about XXXX in capital .If it happen what should i do because i know about this online company very little, that is only the website for working and the fone number of the payment department that we chat each other for tax payment and the receipt of criptocurrencies sending via XXXX .So I tried to made a complaint of fraudulentnt transaction to the fake company that I made through my XXXX and XXXX XXXX XXXXXXXX banks for the refund but up to now it is still unsolved .This time I sent to them the letter of dispute to them, hopefully my complaint will be consideration, currently I was retired with a low benefit so my situation is very difficult since all my hard earned saving was lost by the fake company,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92704
Submitted Via: Web
Date Sent: 2023-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-11
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I've experienced unauthorized transactions from my XXXX Checking account related to Best Buy. XXXX transactions of {$50.00} each have been observed, totaling {$450.00} deducted without my authorization. These transactions were recorded on : XX/XX/XXXX with Check # XXXX XX/XX/XXXX with Check # XXXX XX/XX/XXXX with Check # XXXX XX/XX/XXXX with Check # XXXX XX/XX/XXXX with Check XXXX XX/XX/XXXX with Check # XXXX XX/XX/XXXX with Check # XXXX XX/XX/XXXX with Check # XXXX XX/XX/XXXX with Check # XXXX I realized that when I received a supposed unpaid bill from Best Buy.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20852
Submitted Via: Web
Date Sent: 2023-12-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-10
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Inquiries on my credit report that I dont know about and my name is not being shown in the credit bureau
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11213
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-10
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Inquiries on my credit report that I dont know about and my name is not being shown in the credit bureau
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11213
Submitted Via: Web
Date Sent: 2023-12-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-10
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: On XX/XX/2023 I called into Citibank to sign up for an XXXX XXXX XXXX XXXX XXXX. I had seen a promotion in the XXXX XXXX XXXX for XXXX bonus miles for {$7000.00} spend over 3 months. I went on the website and saw the same promotion online. I called Citibank, they said I qualified and would be sending me my card soon. As the promotion was one of the reasons I was signing up I verified with the agent that I would be receiving my XXXX bonus miles after spending {$7000.00} within 3 months and she verified this. Well after receiving my card I had some questions regarding tracking of loyalty points and spoke with the XXXX XXXX loyalty program and she mentioned that they could see my new Citibank card and the promotion for {$10000.00} spend over 3 months and XXXX bonus miles. I was shocked I said I didn't sign up for that, it's another {$3000.00} spend over the promotion I had signed up for and nobody informed me of that. Another {$3000.00} dollars is a big deal and I would have had second thoughts if I had been truthfully told that my promotion was spending {$10000.00} within 3 months for XXXX miles. Citibank is an unethical bank and they need to be punished, I am not the first person to get this bait and switch scam run on them, as I did my research and found many people have endured the same scam. Citibank is clearly signing consumers up for promotions that they are not aware of that are at a higher spend for 3 months and not informing them and not providing any information in the welcome packet and hoping that the consumer doesn't find out and ends up missing out totally on the promotion miles because they have underspent the hidden promotion minimum spend. This card has an annual fee of {$590.00} and provides some perks that I want but I signed up because I would spend about {$7000.00} within 3 months but {$10000.00} is a stretch. I spent time on the phone with Citibank which kept blaming XXXX XXXX and XXXX clarified that indeed it is Citibank that is responsible for promotions. After being told by Citibank there was nothing that could be done, they finally gave me an email address XXXX that I could write to and complain. I sent an email to them explaining the situation and I was sent a letter that said that I was enrolled in the XXXX bonus miles for spending {$10000.00} within the first 3 months. I feel that at every point they have had a chance to do the right thing, we are not talking about a mistake, we are talking about an intentional misleading of consumers and Citibank needs to be punished. At this point I am so livid they should have to give me XXXX miles for wasting my time, misleading me and intentionally trying to hide what they have done so that consumers miss out on Bonus points totally.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92101
Submitted Via: Web
Date Sent: 2023-12-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-10
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I possess a XXXX XXXX account along with an associated ATM card. Unfortunately, the card expired in 2021, and I never completed the registration process for online access. It wouldn't go through. Additionally, I have permanently relocated from the U.S. My primary aim is to restore access to my savings account. Despite multiple attempts, my calls to customer service have resulted in receiving a singular instruction : to correspond via mail to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. Regrettably, my written inquiries have gone unanswered for several months. I am earnestly seeking direct contact with specific personnel who can assist me in reestablishing access to my account. Rather than continuing to send letters with no response, I am hopeful that a more direct connection can be facilitated. Your assistance in this matter would be greatly appreciated. Thank you in advance for your help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-09
Issue: Unable to get your credit report or credit score
Subissue: Other problem getting your report or credit score
Consumer Complaint: Just before XXXX XXXX, I was felled with XXXX XXXX, which set off XXXX XXXX other things that had been lurking. Because this was unusual, the hospital tried to keep me alive and stable so they could start doing somethinganything. For the first month of XXXX I was horizontal at XXXX XXXX in XXXX. My daughgter/nurse got me out of there up to XXXX XXXX where I immediately tested POS for XXXX and was isolated for two weeks. Then two more weeks until they could determine if it ( XXXX ) was a communicable disease. I finally got out of isolation. A hydraulic sling was used to get me out of bed, into a wheelchair, down to PT where I spent 45 minutes re-learning how to stand and put one foot in front of the other. Remember, I can only use my left side-strength for that ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, so I had to break the therapists in and get them to understand I came in with a problem they werent aware of. Before I XXXX XXXX XXXX to continue PT back in XXXX, I tested POS for XXXX again. Two more weeks in isolation. All this time XXXX is trying to take care of everything at the house, help XXXX get organized with the XXXX XXXX, and handle non-covered expenses. We were doing fine on my {$60000.00} work income plus {$18000.00} Social Security and had tucked the money I received for my half of the house sale away for retirement ( the financial debacle of XXXX resolved that-not happily ). In one day I lost the {$60.00} thou, as fast as Id lost the savings. She was coming to see me ( somewhere ) at least once a week, but had to rely on folks to drive her. During that time expenses were paid as much as possible with the SS check, but unfortunately she had to use my ( Citi ) XXXX XXXX and ( Citi ) XXXX. By the time mid XXXX rolled around we couldnt even meet the minimum monthly sometimes, and I was back in the hospital until we moved here ( XXXX OH ) in XX/XX/XXXX. I was tossed into a skilled care facility ( you do NOT want to know anything more than that ) where I tested POS once again for XXXX. I have never intentionally been late until these two cards, and thinking about it ate me up. I checked into bankruptcy ; I checked into one of those debt companies where they cut your debt in half. What it all came down to was that I was responsible for the charges and dumping them on someone else wasnt right. I called and spoke to Citi. They closed the cards and set up payment plans of $ XXXX for the XXXX, and 9.9 % interest ; and $ XXXX for XXXX, no interest XXXX Each month Ive paid at least 1.5 times what was due, sometimes twice what was due as other bills like ambulances and bank notes cleared. At that point my XXXX score was not quite XXXX, and before this all started it was up around XXXX. Not long after the payment arrangements were made, I received a letter from XXXX, and one from XXXX, cancelling both cards for XXXX reasons : 1 ) lack of use, and 2 ) because of their relationship with my creditor ( Citi ). I had had my XXXX card for 60 years, and XXXX for XXXX. Not once had I EVER been late on either card. There are no Exxons in Ohio, strangely, and XXXX fuel is usually {$0.00} cents less per gallon than XXXX. I noted on the back of the gas cards that they were indeed tied hand and foot with Citi. I sent my XXXX XXXX card, cut up, back to the CEO of XXXX XXXX saying I wouldnt want to be checking out, give my card, and have it refused because I hadnt been building enough. Then I looked at the XXXX for Citi. XXXX is rated an F,, they have ( at last look ) XXXX unanswered complaints, and are printing only every fifth letter of complaint. Citi is trying improve their image and now have added a title on the door, Executive, to make you think youre talking to someone who cares. I have yelled long, hard, and frequently about their cancelling cards that had absolutely nothing to do with my being late. They dont care. They did it because they can, not because there was ever a problem. That was the backup for where I am now. I explained the situation by mail to XXXX because there was no acknowledgement of my improving my financial status. I stated the cards were mine, and unless I were in arrears on them, Citi had no right to take them from me. ( As an aside, Ill never be able to drive again, but in the event I am able to go somewhere one day, XXXX, or whoever is transporting me, wouldnt have to worry about refueling costs. ) XXXX agreed the cards were mine. End of conversationafter they said all they do is assimilate what creditors give them. XXXX has been a riot. They send emails telling me to check my credit score, then they try to get you to upgrade ( for money, of course ) and eventually with enough noodling around their site, you come to what you were looking for : the number, not the reason. Daily, I receive emails from credit reporters hawking new credit cards. I receive at least two credit card offers a day. Does that make them part of the problem or the solution? Why the ads from XXXX offering to raise my score? If they can't tell me where the numbers come from, and WHAT COMPRISES THE NUMBERS THEY SHOW, as in what reason was given by each creditor for their numbers. If that's not available, then whatever is established as an XXXX number is total XXXX and any company that uses it should be prosecuted for violating the equal opportunity act.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 447XX
Submitted Via: Web
Date Sent: 2023-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-09
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: On XX/XX/XXXX, I opened a Citi credit card for a 21-month period of 0 % APR on all balance transfers. Directly after being approved for the credit card, I initiated requests for balance transfers from three financial institutions : ~ {$4100.00} to XXXX XXXX ( this was a more exact dollars-and-change amount, like the others, but this transfer never went through, so I do not have record of the exact amount ), {$1000.00} to XXXX XXXX for an XXXX XXXX balance, and {$860.00} to XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX These amounts perfectly zeroes out the accounts as they stood on XX/XX/XXXX. I received no email confirmations that these transfers were initiated. On XX/XX/XXXX, after checking all of my balances multiple times per day for XXXX days, I called Citi XXXX XXXX customer service ( XXXX ) to ask XXXX ) if I have any pending balance transfers, as there were no pending transactions listed on my mobile Citi app in an area with the specific purpose of showing requested balance transfers, and XXXX ) if I have pending transfers, when they will appear anywhere in my app, whether in the list of pending balance transfers ( in a separate area from pending and posted transactions ) or in the list of pending or posted transactions ). The customer service representative, who I spoke to for XXXX minutes, told me that the request was not able to go through, but when I asked, she could not tell me why. I want to emphasize that she said the transfers were attempted, not that they were still waiting to be attempted. She said I no longer had any pending balance transfers, leading me to believe all three were attempted and failed. She said I would need to request them again online, and when I told her that their online balance transfer portal was not working ( a simple error message, saying to try again later with no error code ), she said I could request a balance transfer over the phone. So while on the phone, I read the credit card numbers for : XXXX, and requested a balance transfer of {$4100.00} ; the XXXX XXXX XXXX XXXX, and requested a balance transfer of {$1100.00} ; and XXXX XXXX XXXX XXXX XXXX ( XXXX ). After I read the XXXX card number, she told me that the credit union does not allow for balance transfers over the phone, so I would have to try on their website, which I again reminded her is not working, but I would keep an eye out for it to function properly again. I never did make a second request from XXXX XXXX XXXX XXXX XXXX because this had all been very stressful, and the interest rates at that institution weren't worth the headache of getting them waived by transferring them. On XX/XX/XXXX, the second {$4100.00} transfer from XXXX XXXX ( the one requested over the phone ) posted to my Citi account. On XX/XX/XXXX, the {$1100.00} transfer from XXXX XXXX also went through ( the one requested over the phone ). As these were the only XXXX I requested on the phone, in a phone call in which I was also told I had no pending transfers, I thought I was squared away. I was incorrect. On the evening of XX/XX/XXXX, I received an email from Citi ( see XX/XX/XXXX - Your balance transfer request ) : " Hi, [ my name ]. We've received your request for a balance transfer to your Citi Diamond Preferred Mastercard account. We're unable to approve the request because the transfer would have caused your account balance to go over your available credit limit. '' I was surprised, as I was told I did not have any more pending transfers. I went to check my Citi transaction listing, and I found two new balance transfers listed : one posted from XXXX XXXX for {$1000.00} and one pending from an unnamed institution for {$860.00}, which I know to be XXXX XXXX XXXX XXXX XXXX. This newly posted XXXX XXXX XXXX ( though the first one I requested ) means I now have a debit of ~ {$1100.00} on that card because Citi informed me there was no existing pending transfer, so I requested another in the full amount of that debt. Neither of these transactions caused me to go above my {$7500.00} credit limit, leading me to believe that the email I received was concerning the initial ~ {$4100.00} requested balance transfer to XXXX XXXX, meaning that all three of those transfers requested on XX/XX/XXXX would eventually go through after my XX/XX/XXXX phone call, though I was told on that call that they could not go through, and that I would have to request the transfer again. Note how in the XX/XX/XXXX email, they fail to specify which balance transfer they are speaking of, and their suggested recourse is to call customer service, who, if my experience is any indication, will not know what balance transfers are of concern, nor even which are in their system as requested to begin with. Nonetheless, I did call customer service, and I requested they reverse the {$1100.00} transfer from XXXX XXXX, as it was only made because their representative told me there was not a pre-existing request. They said they are unable to reverse this transfer, and I would have to contact XXXX XXXX XXXX XXXX I had already contacted XXXX XXXX, who told me I would have to contact Citi ( see XX/XX/XXXX XXXX Card Customer Service ). Because no one else is taking responsibility, I'm contacting the CFPB. I also asked the representative to clarify that the {$860.00} and {$1000.00} would not cause my account to overdraft, and she said it would not. This then, in all likelihood, means that the email I received on XX/XX/XXXX, that a balance transfer could not be completed is regarding an XXXX XXXX pending transfer for ~ {$4100.00}, requested on XX/XX/XXXX, though I can find no record of this request anywhere in my Citi account ( see XX/XX/XXXX Balance Transfer - Status Page ). Needless to say, this also means I do not know if it will be attempted again, leaving me with a {$4100.00} debit in my XXXX XXXX, like the {$1100.00} debit in my XXXX XXXX account, which I do not want.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 551XX
Submitted Via: Web
Date Sent: 2023-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A