Date Received: 2023-11-23
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: Home Depot has been committing identity theft and has been violating claimant rights.This alleged debt has already paid off in full, and yet Home Depot has been reporting to the credit bureaus when claimant instructed them to remove all information from the credit reporting agencies. This has been costing me a lot of distress and has been taking a toll on my mental Health.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33407
Submitted Via: Web
Date Sent: 2023-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX XXXX XXXX ( XXXX ) open date XX/XX/XXXX reporting Limit {$1500.00} balance owed is {$0.00} reporting late payment, account has been closed XXXX XXXX XXXX- ( XXXX and XXXX ) {$1800.00} credit limit, closed account opened XX/XX/XXXX XXXX. XXXX XXXX- open XX/XX/XXXX XXXX, XXXX and XXXX XXXX balance owed XXXX. XXXX. XXXX XXXX open date XX/XX/XXXX ; Balance owed {$1800.00} ( XXXX XXXX XXXX and XXXX ) XXXX. XXXX XXXX - XXXX {$1200.00}, day opened XX/XX/XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX reporting to XXXX XXXX have disputed these accounts with each creditor. All accounts are stating paid as agreed but showing closed and negatively affecting my credit report showing inaccuracy. I have also asked them to remove all these accounts immediately from my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21075
Submitted Via: Web
Date Sent: 2023-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-22
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: To Apply XXXX Credit to Account XXXX On XX/XX/2023, XXXX fraudulent charges ( XXXX for {$240.00} to XXXX, and XXXX for {$190.00} to Sanesolution ) totaling {$440.00} were made on our XXXX credit card. On XX/XX/XXXX The company ( XXXX ) resolved the dispute in our favor and credited our XXXX account. ( However, the XXXX account was deactivated due to the XXXX case ) so our new account XXXX still shows that fraud charge. We have been trying since XX/XX/XXXX to have the fraud charges removed from our XXXX account and was told that we would see the correction in the XX/XX/2023 statement. However the charge was still there. We were told they would request an investigation to correct the problem, but someone forget to include all the previous history, so the charge is still there. We have contacted them several since, with no result. Finally we were told on XX/XX/XXXX that the credit would be applied in XXXX to XXXX business days. However, not only did they not credit the account, they also added interest on the fraud charge. Please, help us resolve this matter as soon as possible. Thank You! Thank You!! Thank you!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33811
Submitted Via: Web
Date Sent: 2023-11-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-22
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Macy 's reported I had a late payment XX/XX/, greater than 30 days. Under the Fair Credit Reporting Act, this creditor violated my rights under 15USC 1681 section 602, I have the right to privacy. Under 15USC 1681 section 604A section 2, it also states consumer reporting agency can not furnish an account without my written instructions. Under section 15USC 1666B A creditor may not treat a payment on a credit card account under an open end 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: 77469
Submitted Via: Web
Date Sent: 2023-11-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-21
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: XXXX payment made with check XXXX, money order XXXX, only got XXXX paid on my account, only XXXX of a XXXX money order was applied to my acct.therefore XXXX of my payment is owed me by citibank at this time.In XXXX I paid XXXX by check, the statement in XXXX was XXXX balance .So I have paid XXXX at this point and should be more than paid up on this acct. at this time and so far they have yet to fix my acct.I haven't heard from them since I faxed my documentation to then on XXXXbefore I faxed said docs.I sent them via snail mail and also on line they kept telling me they didn't get them, I did that three times, before I finally paid to fax them.all I want is credit for the money I have paid.I will send you my docs.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76082
Submitted Via: Web
Date Sent: 2023-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-21
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Now I receive the attached correspondence and they state there is an unauthorized third party. They do not have the right to illegally harrass me with phone calls, text messages emails after telling them to stop. If they wish to mail me something from time to time that is one thing. But not the rest. Stop emailing me. This is your formal notice. nothing more is required by law. Moreover, I have kept a spreadhsheet and documentation of every form of correspondence you have utilized that is in violation of the state and federal laws and i am prepared to use it for sake of Citi being penalized by the court. Do not play with me!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33068
Submitted Via: Web
Date Sent: 2023-11-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-21
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I have been a Citibank client for over 24 years and I have been living in the XXXX XXXX, and more recently on the XXXX XXXX XXXX. During this period I have always had my correspondence and cards delivered without any problem, despite the fact that the XXXX XXXX post code is composed of letters and numbers, differently to the US where the zip code is composed only of numbers. In XX/XX/XXXX I visited a XXXX DC branch and opened a term deposit account, and was informed that my account had been upgraded to XXXX. On XX/XX/XXXX I received an email saying that a new debit card has been issued and shipped by First Class mail and was due to arrive on XX/XX/XXXX. The card didnt arrive so I contact the relationship manager, XXXX XXXX , who promised a replacement card. Subsequently I received emails dated of XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX XXXX saying that cards with different numbers have been shipped, with increasingly delayed delivery dates. The latest one says that the card will be delivered in mid-XXXX. I never received such cards. Also, when they decided to send me new unsolicited cards, Citibank cancelled my existing debt card which was valid until XX/XX/XXXX, therefore due to Citibank blunders I have not been able to access my money since XXXX. I emailed and called Customers Services nd XXXX XXXX, who told me that there were technical issues because my XXXX post code was composed by letters instead of numbers and he was working with the technical team to solve the issue. This was in XXXX. The issue has never been solved. In addition to XXXX, I spoke to two unidentified women at Customers Services, they speak very poor English and were very rushed. In the meantime whilst I was talking to a customer service representative, I received an email from Citibank saying that the card ending XXXX, which I never received, had been unlocked and it was now ready to be used. The email also said that the card had been unlocked by a Citibank representative. The woman at Customer Service said that this was a scam, that I should not be worried and that my card was not unlocked because I have not received it. Nevertheless, I called XXXX who told that the card had been unlocked but that he could lock it again if I wish so. Then instead of locking, he blocked the card. Due to the email saying that someone at Citi unlocked the card without my permission, I called Citi Fraud Investigation Department to ask them to investigate who unlocked my card without my consent. First I spoke to a man who refused to open a case because he asked for my card number ( which I do not have ) and he said that the card had been blocked and he could not open a case. Then he passed me to another guy who dropped the call. I called again and spoke to XXXX, XXXX, and XXXX and finally to the worst of all of them, a male called XXXX, this one said that I had not passed the verification, despite the fact that I have been verified by XXXX who passed me on to him to open the case. Citibank Fraud Investigation Department is not fit for purpose. Their verification process asks for a passport number which is not in my files, it doesnt recognize my bank account number, which I provided correctly, and ask for a card number, which I have no access because it has not been delivered. Then I emailed the CEO of Citibank, XXXX XXXX and other Bank executives. My case was then passed to the Executive Resolution Unit. On XX/XX/XXXX I received a call from a female called XXXX who promised that she was going to issue my card and provide a tracking number. She did nothing, and when I complained by email she called me back on Friday saying that she was still working on the issue and that it was unhelpful for me calling several times. When I call her number and ask to speak to her she is never available. This situation is causing me stress, XXXX and Citibank has deprived me to access my money. I was planning to buy a XXXX XXXX present to my son but I do not have a debit card. I have unsuccessfully spent 255 minutes on the phone trying to get my card, plus a string of unanswered emails
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: 2023-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-21
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I was asking for a credit limit increase online for Macy 's credit card, and they did a hard pull credit inquiry from XXXX without proper authorization.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91335
Submitted Via: Web
Date Sent: 2023-11-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-21
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I've had numerous issues since opening my Citi account with the promise of dedicated personal banking support, $ XXXX cash bonus, enrollment in the Citi subscription program, and inability to resolve general account support items or even attempting. 1. I was to be enrolled in the subscription program in 60 days. It took Citi over 90 days to have this done despite numerous resolution calls, emails, and follow ups from me. 2. My transfer to Citi was not done based on what I discussed with my financial representative. My cash savings was to be put in a money market mutual fund upon transfer but was left in a non interest barring account. I had to contest this with my advisor it was wrong and ask for interest credit 3. Unable to use the electronic check depositing tool. There is an issue with the app and it's not allowing it. I deposited the same check with XXXX without issue 4. Wires are delayed multiple business days and no escalation is taken. I submitted a wire transfer on XX/XX/XXXX for $ XXXX. It was flagged by their fraud department and I wasn't notified until the XXXX. Citi 's systems were down so the wire never was funded to my XXXX savings account losing me 4 days of interest or {$90.00} 5. The Citi app is unaccessible and non responsive the majority of the time impairing mobile banking needs 6. Financial representatives I'm assigned to are non responsive to emails or inquires. It's taken me a week to find my advisor to execute a trade ( XXXX XXXX ). I've escalated to XXXX to be moved to another team 3 weeks ago but nothing has happened. At this point I want my $ XXXX promotion now and I'll exit my short banking relationship. This private client banking is anything but premier and has been a disaster
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85268
Submitted Via: Web
Date Sent: 2023-11-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-21
Issue: Problem with a company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: I applied for VA home loan and a Citi bank credit card liability showed up that I owe {$350.00}. I called Citi spoke with multiple people, last operator ID # XXXX at Citi stated since 2020 Citi is not collecting and paying the money won't make the liability fall off. The operator hung up on me and stated statue of limitations would not allow my {$200.00} security deposit to be returned to me or deducted from the total balance. So I can't remove from my credit report according to Citi!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A