Date Received: 2023-11-10
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the USPS. These items are not correct and are causing me financial and emotional distress because of their derogative nature. The following items must be updated : CITICARDS CBNA XXXXXXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89074
Submitted Via: Web
Date Sent: 2023-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-11
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Recently, the Consumer Financial Protection Bureau ( CFPB ) issued a directive for Citi to pay {$25.00} million in fines and consumer compensation due to intentional discrimination against credit card applicants of Armenian descent. This occurred between XXXX and XXXX, involving singling out applicants with surnames like XXXX and XXXX. Citi hid the discrimination by providing false reasons for credit denials and instructing employees not to document these practices. As an individual with a Costco Citi bank card, I am concerned about potential impact, particularly in light of an incident in XXXX where I believe I was denied the opportunity to open a business account at the XXXX location. If my experiences align with the affected group, I intend to seek clarification and resolution by reaching out to the CFPB or the bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91352
Submitted Via: Web
Date Sent: 2023-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-11
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: Background : XXXX XXXX XXXX XXXX by Citi Customer Service emailed and informed me that the XXXX membership must be renewed by XX/XX/2023 or the credit card will be closed. However, if they close my card, it will affect my credit score, so I contacted Customer Service at XXXX to request to switch or convert the card to another Citi credit card to avoid decreasing my credit score. Issue : The Customer Service told me that they refused to switch or convert the card to another and forced me to continue XXXX membership to avoid decreasing my credit score. It is a threat to the customer who does not want to keep the membership but the credit card and credit history.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75002
Submitted Via: Web
Date Sent: 2023-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-11
Issue: Problem with a company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to formally file a complaint against XXXX XXXX XXXX regarding their handling of a late payment and subsequent impact on my credit score. I believe the actions taken by the bank have adversely affected my financial standing and are an unjust representation of my creditworthiness. I have consistently maintained an XXXX XXXX XXXX near XXXX and actively monitor it, checking on a daily basis. However, on XXXX XXXX XXXX I was shocked to discover that my credit score had plummeted from XXXX to XXXX. Upon contacting XXXX, I was informed that Macy 's XXXX had reported a 'Late Payment ' against me. Upon reviewing my account, I acknowledged a pending payment of {$49.00} from XX/XX/. By XX/XX/, my outstanding balance had accrued to {$120.00}. Immediately upon realizing this oversight, I contacted Macy 's XXXX, promptly settled the entire amount, and requested the removal of the 'Late Payment ' report. What compounds my concern is the lack of prior communication from Macy 's XXXX regarding the impending late payment report. Despite receiving numerous promotional emails and mail from Macy 's, I did not receive any warning about the overdue payment or the bank 's intention to report to credit bureaus. The absence of notifications severely impacted my credit score, hindering my ability to secure a lease for a desirable apartment and obtain a loan for my business. I expressed my grievances to Macy 's XXXX, highlighting the severe consequences their actions had on my personal and professional life. Despite my immediate payment and repeated requests for resolution, the bank only opened a dispute, which was subsequently denied after a prolonged 10-day period. Subsequent attempts at resolution have led to further delays, leaving me in a frustrating cycle with no tangible progress. In conclusion, I attribute the decline in my credit score by approximately XXXX points solely to Macy 's XXXX 's failure to notify me of the impending late payment report. While I accept the accrued interest charges of {$120.00}, I find it unjust that the bank has not retracted the late payment report, considering their lack of communication regarding the credit bureau reporting. I kindly request the Consumer Financial Protection Bureau 's intervention in urging Macy 's XXXX to promptly remove the late payment report from the credit bureaus, thereby restoring my credit score to its previous standing. I believe this action is necessary for the fair assessment of my creditworthiness and to rectify the negative impact on my financial opportunities. For your reference, I have attached my Bank Statements from XX/XX/ to XX/XX/, which is the proof of all my activities associated with Macys ' XXXX account. Thank you for your attention to this matter, and I appreciate your assistance in resolving this issue promptly. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19130
Submitted Via: Web
Date Sent: 2023-11-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-10
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I am writing to bring to your attention a matter of serious concern regarding the rejection of my credit card application through XXXX XXXX. I was rejected two times in the last several years without a reason to why. Im also a frequent flyer, so I dont understand why I was rejected. I also used to have a Best Buy card that suddenly closed without a reason. As an individual of XXXX descent, I am troubled by the discriminatory practices within your application process. Despite having a strong credit history and a consistent record of credit approvals, the lack of clarity surrounding the denial raises concerns of potential discrimination. I am not alone in this experience, as there have been reports of similar incidents within the XXXX community.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93561
Submitted Via: Web
Date Sent: 2023-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-10
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: Opened a Home Depot credit card account XX/XX/XXXX with a {$1000.00} limit. Credit limit was decreased to {$500.00} in a letter dated XX/XX/XXXX. The 4 reasons stated for decreasing my limit in the letter were : Length of time credit history has been established, number of revolving accounts with high usage, payment pattern on your account with us, and number of recent credit inquiries. The letter stated the decision was made in whole or in part on information obtained in a credit report from XXXX. I contacted XXXX XXXX XXXX and spoke with a credit specialist at XXXX on XX/XX/XXXX to ask for further explanation on the decrease and to state my payments on this account have always been made on time so that reason doesn't seem justified, and to confirm they are not reporting my payments incorrectly to any credit bureaus. I also explained that I have used more of my credit in the past few months because I moved XXXX of my older XXXX and her baby, my XXXX in with me as she left a XXXX XXXX and another one of my older XXXX got married in XXXX, so my spending has been slightly different on my other credit cards due to those 2 factors, but that doesn't mean I'm not paying the cards, and I didn't use the Home Depot card but for a few small items. She advised they do review accounts on occasion and have the right to decrease or increase credit limits. She advised I should contact the credit reporting agency to confirm everything is accurate on my credit report as there is nothing they can do to change anything and transferred me to customer service to talk about my payments as they can't answer anything about that, they also can't see the letter that was mailed to me. The customer service rep. walked me through the dates and amounts of my payments and I asked so then everything has been paid on time, correct? And the representative said yes, so I asked if they could explain why that my payments on the account are stated as a reason for decreasing my credit limit. The representative advised they can just tell me the information on my payments, I would have to speak to a specialist to discuss anything related to credit limit, so I asked if that is who transferred me to them and it was, so they transferred me to another specialist. The second specialist I spoke with advised the same exact information as the first as if it is being read from a book, I need to check my credit report to ensure everything is accurate. XX/XX/XXXX, I pulled my free credit report from XXXX and all of my payment histories appear accurate and on-time. My length of credit history is reported as XXXX years and my average account age is XXXX years, XXXX months, so it would seem I have credit established for a long time which doesn't add up with the reason quoted in the letter. When checking the amount of credit inquires reported, there are 2 in XXXX, one of which is for the Home Depot card in XXXX and the other is CBNA in XXXX which I believe is Citibank who offers the Home Depot card and I didn't offer the inquiry, maybe they did that when " reviewing '' my account? And there were XXXX in the year XXXX which were XXXX XXXX which is a new account and the other is from a Bank of which I opened a new account because my previous bank moved locations and it was inconvenient for me. So I don't think those would count as a high number of inquiries which is another reason that was quoted. I explained my reason to them for the difference in credit card amounts at the time, but I feel like that explanation should be considered as a good explanation, but maybe not. I feel like XXXX of the reasons quoted are definitely not valid, XXXXne reason may be somewhat valid, but I did offer explanation for that, and I know they don't have to accept the explanation. It seems like unfair practice to me to decrease a credit limit after having only opened the account in XXXX and most of their reasons are invalid. And I feel like it's difficult to get any straight answers, you're just transferred between different people at the company and each time your transferred they note they will put you on a brief XXXX minute hold to transfer, that seems like a tactic to get someone to hang up because they don't want to wait.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: 670XX
Submitted Via: Web
Date Sent: 2023-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-10
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 kindly request the Citi Dispute Team to reopen Cases XXXX and XXXX against XXXX XXXX XXXX, involving amounts of {$1000.00} and {$3500.00}, respectively. I have submitted a comprehensive email thread with the company that underscores their failure to fulfill the agreed-upon delivery timeline and their subsequent agreement to cancel the contract and refund the fees due to their inability to provide the promised service. XXXX XXXX XXXX failed to set up the account within the stipulated 10-day period, resorting to providing fake leads to feign progress. When I inquired about the lack of leads, they offered a series of excuses, from improper account setup to issues with XXXX XXXX. Throughout this process, their conduct was marked by a lack of transparency and professionalism. The owner 's behavior and attitude further compounded the problem, making it apparent that they may not honor their refund commitment as promised. This was the primary reason for initiating a dispute through Citi. Despite supplying Citi with extensive evidence in the form of screenshots illustrating my ongoing attempts to engage with the company in pursuit of the contracted deliverables, Citi closed the case without explanation and without processing my refund. The company, in turn, failed to produce any credible evidence to counter my claims or demonstrate the delivery of any product or service as per the contract. I reiterate that I have received nothing in accordance with the terms of our agreement. I respectfully request that Citi promptly reopen these cases and thoroughly examine the provided information, which should lead to a just resolution in my favor, entailing the reimbursement of the {$4500.00} wrongfully charged by XXXX XXXX. To compound matters, the company has not canceled their services, and I continue to be charged for XXXX XXXX, which I am disputing with Citi as well. It is evident that I am being billed for services that have not been delivered. I hope this information is sufficient to prompt Citi to take appropriate action.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 605XX
Submitted Via: Web
Date Sent: 2023-11-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-10
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/XXXX, I awoke to find a message from my credit card company, Citibank, it indicated that it detected possibly fraudulent charges on my credit card. I immediately called Citibank and they closed my account and sent me a new credit card. The charges are from a company called XXXX XXXX XXXX XXXX XXXX XXXX. The charges totaled {$12000.00}. There were 4 charges for {$2500.00}. {$2500.00}, {$2000.00} and {$5800.00}. These were all fraudulent charges. These were charged in the XXXX XXXX XXXX XXXX to a company in New York ( I live in Colorado ). These charges were NOT unauthorized by me and I have never heard of this company and did not receive any goods or services from this company. XXXX XXXX XXXX does not have much contact information via phone or email online either. The only information on this company I found is the following and is a fairly new company according to the details below : XXXX XXXX XXXX. is a XXXX XXXX XXXX XXXX XXXX filed on XX/XX/XXXX. The company 's filing status is listed as Active and its XXXX XXXX XXXX XXXX The Registered Agent on file for this company is XXXX XXXX XXXX and is located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The company 's principal address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX The company has 1 contact on record. The contact is XXXX XXXX XXXX XXXX XXXX XXXX After the charges on XX/XX/XXXX occurred, Citibank closed my credit card and opened a fraud case. On XX/XX/XXXX, I received a letter from Citi stating that I was liable for the charges since, I provided my account number for the transaction. However, I NEVER provided my account number to XXXX XXXX XXXX I disclose to Citibank that I authorized XXXX to charge my account for {$1.00} on XXXX but not I did not authorize XXXX XXXX XXXX to charge my account for {$12000.00} on XXXX Citibank is saying that since I gave my credit card information to XXXX I am responsible for the charges to this XXXX XXXX XXXX because I authorized the transaction, but this is false, I did not authorize this company to charge any money to my credit card, therefore, this a fraudulent activity. To be crystal clear, I did not authorize XXXX XXXX to charge my credit card, I have never heard of this company, I did not receive any goods or services from this company, there is no contact information to call or email information for this company either. Once Citibank deemed the charges " authorized '', they said these were not fraudulent charges and that I was responsible to pay for the total charges. I then spoke to Citibank and they told me to call their Credit Dispute department as my last resort. The Credit Dispute department was confused and said this was actually fraud and so I told her Citibank closed the fraud case and my last option is Credit Dispute. So, on XX/XX/XXXXXXXX Citibank opened a dispute case and grated me conditional credit for the charges. On XX/XX/XXXXXXXX Citibank asked for additional information on for the transaction that was {$5800.00} and I sent them the information they requested. On XX/XX/XXXX Citibank sent me a letter stating they have completed their investigation and I am responsible for the {$5800.00}. When I called the Citibank Dispute department to ask why this case was completed, they said that Citibank requested information, received it ( email attached is the confirmation ) but did not review the letter I sent for some reason, so I need to resend a letter with information regarding the charges. The Supervisor I spoke with said he would try to send the letter again and offer me a conditional credit for the {$5800.00} ( this has yet to happen ). He also asked me to send the letter again to the dispute center, which I did via email. He was not clear why the letter with additional information I sent was not reviewed or proceed by their review team. At this point there is a charge for XXXX XXXX on my credit card for {$5800.00} and I have been trying hard to work with Citibank and their representatives. Citibank has been deceptive in stating that I gave my credit card information to this company, when I did not and I have been very clear that I have no connection to this company, XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 800XX
Submitted Via: Web
Date Sent: 2023-11-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-10
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Hello Dear CFPB My name is XXXX XXXX, I went to Citi Bank Branch at XXXX XXXX XXXX XXXX Ca XXXX on XX/XX/2023 to deposit Cash {$5000.00}, teller took my money and asked my social security number and asked me to provide my identification card which i provided and after depositing she printed out receipt that funds has been deposited, After i left branch i came home and checked online my account and i couldn't find my funds of {$5000.00}, i was panicked because there has not been any record of deposit whatsoever .Long story short I went back to branch next day spoke with branch manager her name was XXXX about my missing deposit, I was told that teller who assisted me yesterday made mistake and deposited my funds to another customer which is very unusual because teller asked my social security number couple times to confirm my account and asked to provide my ID card and my address. I am very concerned and want please citi bank to fix this unbelievable mistake and credit my account as soon as possible because {$5000.00} is a lot of money and i have a lot of bills to pay and can not wait to get my money to be credited.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91201
Submitted Via: Web
Date Sent: 2023-11-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-10
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 6 0 4 A Section 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions under 15USCS 1666b. A credit 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: GA
Zip: 30274
Submitted Via: Web
Date Sent: 2023-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A