Date Received: 2023-11-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Ive tried numerous times to contact Citi Bank XXXX XXXX XXXX account # ending XXXX & Citi Bank Diamond Preferred Card account # ending XXXX with my XXXX XXXX XXXX who is the legal authorized owner of these 2 cards so this wont be an inconvenience & affect me because they keep reporting to all 3 credit bureaus that I am the owner of these credit cards. We both have talked to them to try to come to a resolution with this very sensitive information & there hasnt been a proactive action in behalf of CITI BANK!! NOT PROFESSIONAL AT ALL!! Ive also sent out his card statements to the bureau with legal documentation & also nothing has been done because they keep saying Citi Bank keeps reporting that i am the authorized user. The only thing Ive done is help my father make his credit card payments through my accounts because he is XXXX and has financial difficulties according to his fixed retirement income. If I am helping him at times make payments and thats not my account why they keep reporting & verifying as they say that those credit cards accounts are mine? Why? I dont understand. I am reaching out concerned about how they are handling sensitive information. How about if I wasnt his son? Or if it happens to someone else? They proactively are quick to report but not proactively in helping me resolve this major problem. Thats my reason for reaching out to you all so this wont happen to anyone else. I am willing to show any legal documentation that you need in order to be proactive and move forward to solve this problem!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32211
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77044
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/23, I deposited a check for {$1800.00} via Citibank Mobile Check deposit. I received an email confirming the deposit and saying I would receive more information about the status of my deposit shortly, but I never received any other communication. On the evening of XX/XX/23, I chatted with a citi rep via online chat and was told my funds would be available XX/XX/23. This rep also told me I would be informed of any delays via writing. On the morning of XX/XX/23, my funds were not available and I was told there was an additional delay placed on the deposit. I spoke with 2 Citi CSRs, the Citi Technical Suport dept, then finally Citi XXXX XXXX -- I told them in no uncertain terms I wanted a copy of the notice I should have received informing me that my funds availability was delayed. XXXX called me back about 1 hour later and informed me that there is an ongoing issue where required notices are not being mailed to Citi customers, and that while he apologized there is nothing he can do and there was no way I could receive a notice in writing about the delay on the funds from my deposit. He then hung up on me. The terms and conditions of my account state that " Our general policy is to make funds from any type of check deposit available to you no later than the first Business Day after the day of your deposit. '' The terms further state " If we decide to place a longer delay at the time you make a deposit, you will be provided a notice that lets you know when your funds will become available to you. If your deposit is not made with a teller, or we decide to take this action after you have made your deposit, we will send a notice to you by the next Business Day. " It is UNACCEPTABLE for XXXX to state that I can not receive a copy of the notice the terms & conditions of my account state that I will receive.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21702
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XX/XX/XXXX Citi made the mistake of doing a hard inquiry on my account when they were only suppose to do a soft inquiry. I'd like to dispute this inquiry since they told me on the phone it would not be a hard inquiry. I have called to report this. Unfortunately I don't know if the customer service agent fully understood everything. She did say she would file it but she gave me no case number or any information on what would happen next. Hopefully you can kindly resolve this issue for me. It's on all 3 reports I'd like them removed. Thank you kindly
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85027
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I need to resubmit this complaint to XXXX. I have communicated with them about the inaccuracies on my credit report, including discrepancies in the dates of the last movement, dates opened, dates detailed, and installment status. Despite their assurance of conducting a thorough investigation, more than 30 days have passed, and upon checking my credit report, I see no changes and no corrective actions have been taken. My rights have been overlooked on multiple occasions. According to 15 U.S.C 1681 Section 602 A, I have the right to privacy. Additionally, 15 U.S.C 1681 Section 604 A Part 2 stipulates that a consumer reporting agency can not furnish a report without my written instruction. To formally address this issue, I filed an FTC report with the report number XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90501
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-26
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: On XX/XX/2023, I attempted to request a credit line increase on my Best Buy credit card issued by CITI. I attempted online and after I entered all of the information requested, it prompted me to call. I called and answered the same two or three questions with an associate who then pulled my credit and said my request was denied because my phone number did not match what was on my XXXX. I never provided a phone number and the number I called in from was a number I had on file with them for 10+ years. The associate would not provide me any details and told me to dispute it with the credit reporting agency but refused to tell me which one of the 3 they got the bad information from. I asked to speak with a manager who was as much of a broken record as the first person I spoke to. I told her that no one asked me for my phone number until after I was told I was denied because of my phone number not matching my XXXX. Again, she told me I needed to take my time and dispute with all 3 credit bureaus because she didnt know which reporting agency provided the information. I spent my time today trying to figure out what phone number was on file with XXXX because that was the Bureau that shows a hard inquiry from them on XX/XX/2023. I called and spoke with someone who advised me there was no phone number on my XXXX and they disputed the inquiry for me. It was a tremendous waste of my time and whoever is answering the phones at CITI and their managers should be educated enough to have a conversation with a customer. There are dozens of other attributes on my credit report that I could have verified. Additionally, I still dont understand what they meant when they said my phone number did not match my credit report, match what? They never asked me to verify my phone number and again there wasnt one on the XXXX they pulled, XXXX confirmed that!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 341XX
Submitted Via: Web
Date Sent: 2023-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-26
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 used a Citi ( R ) Card MasterCard ending in XXXX to pay for my trip from XXXX to XXXX on the website XXXX. A travel agency XXXX XXXX XXXX XXXX. XXXX issued two tickets : XXXX - XXXX - XXXX XXXX ( ticket # XXXX {$180.00} ; attached file " XXXX ) and XXXX XXXX XXXX XXXX XXXX ( ticket # XXXX ; {$700.00} ; attached file " XXXX ). The first flight to XXXX was delayed and I missed the connecting flight. I called XXXX XXXX trying to reschedule my flights XXXX XXXX and XXXX. The airline agent couldn't offer me any flight during the next three day and I asked him to cancel the ticket and to refund. He explained me that only the booking agent ( XXXX ) can cancel the ticket and request the refund. He gave me XXXX 's phone number and I called them. The XXXX agent agreed to cancel both tickets and seek refunds from the airlines. The itinerary was canceled. Later I received the emails from XXXX that asked to confirm the cancellation request. One of the emails informed me that I had to apply for refund of the XXXX XXXX ticket. I did that. On XX/XX/ I received an email from XXXX XXXX ( see the attached file " XXXX '' ) that stated that they had refunded the amount of {$100.00} on MasterCard ending in XXXX. I assume that this is the XXXX MasterCard that was used to pay for the ticket. I didn't receive any email or call regarding the XXXX XXXX refund ; however, its agent told me during the call that they would refund the cost of the ticket. XXXX collected the airline refunds and didn't transfer them on my Citi ( R ) Card MasterCard ending XXXX that was used to pay for the booking. I sent them messages regarding the refunds and didn't get any answer. I called to Citi ( R ) Card office and asked to dispute the transaction ( {$880.00} ). It was a payment to XXXX for two tickets. The billing dispute department of CitiCard initiated a cancellation dispute with XXXX and received a misleading response on XX/XX/ ( see the attached file Citi_dispute_attach.pdf ). The response described my communication with them regarding the first ticket and didn't mention the refunds for two tickets that XXXX collected from the airlines. I sent an email with attached documents ( see the attached file XXXX ) to the department describing the essence of the dispute. The department refused to consider documents related to fraud committed by XXXX ( see the attached file Citi_dispute_update.pdf ). I have repeatedly appealed to the department staff with a request to reopen the dispute as a fraud investigation, but this did not happen. It looks like the department procedures facilitate fraud. XXXX company XXXX XXXX XXXX, which owns the website XXXX, committed fraud, and Citi Card condoned it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 321XX
Submitted Via: Web
Date Sent: 2023-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-26
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 made a purchase from XXXX XXXX XXXX on XX/XX/2022 in the amount of {$6000.00}. This merchant had an " Anytime Refund Guarantee '' stating they would offer a full refund at anytime. When i requested a refund from this merchant, they stopped communicating with me and are no longer responding. Apparently, they have scammed quite a few consumers. I reached out to my credit card company to dispute the charge and sent over supporting documentation to them. However, and unfortunately, they only sent me a letter with a vague response stating that the documentation i provided " did not support '' my claim- with no further explanation of their findings. This was the second time i opened the same dispute, with the first one being denied as they needed documentation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89118
Submitted Via: Web
Date Sent: 2023-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-26
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Citi Priority, I opened a new acct in XXXX, I deposited {$15000.00}, I received a debit card, checks, a pin, a confirmation letter. I even tried to deposit more. All of a sudden, they froze my acct & wouldn't tell me why. On XXXX, they sent me a letter saying they closed it because I violated the account terms per the client manual, but won't tell me how, I only had the acct open for less than a week. They said they will mail me my XXXX, sometime in the future. I am very financially responsible person w a very high credit score!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23435
Submitted Via: Web
Date Sent: 2023-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-26
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: I applied for card and was denied a month later IT somehow was approved after being denied and account was opened without my knowledge ans the fees and interest is being charged even though I never got a card or information on this account I assumed I wasn't going to get it being denied and a month later approved
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77089
Submitted Via: Web
Date Sent: 2023-12-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A