Date Received: 2023-11-10
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have been a victim of identity theft, and several fraudulent collections and accounts are reported on my credit report. I discovered the collection agencies and the creditors regarding these fraudulent accounts. I sent them the identity theft report that they requested from me from the FTC, and they never responded to me. I have informed Department Stores National Bank Macy 's that I never opened any accounts from them. Someone used my information to open a fraudulent account under my name without my permission, consent, and knowledge. I have requested the collection agencies, credit bureaus, and credit card companies to send me a record of the application filed with them when the account was opened, and not one of these parties could produce such a document. The collection agency recently sent me a statement of this account, which is not even mine. The information on the account does not match my data. The account 's address that was opened and where a card was sent to is entirely different from mine. I want these derogatory, fraudulent accounts removed from my credit bureau and never reported on my records. The collection company is XXXX XXXX XXXX, a credit card company, DSNB MACYS, that is pursuing the collection of a fraudulent account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91344
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 company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: Previously I filed a fraud report with XXXX and CFPB concerning fraudulence on my credit reporting, complaint number XXXX, and XXXX. The company is Wayfair through Citi Bank ( CBNA ). I was not given information on who the card/account holder is, the card number they ( CBNA ) provided was not correct. Further more upon my own investigation into the matter I believe this is fraud of a family member fraudulently using my information. The bank and company have been negligent in this matter with no true justice nor real solutions in the matter. I will seek legal assistance in this matter as it is more than and beyond egregious to report fraud just for a company to be incompetent and negligent which is negatively impacting my credit report amongst other things.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 99216
Submitted Via: Web
Date Sent: 2023-11-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-09
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: Someone has stolen my identify. I received an account statement to my address for a computer and accessories purchased in the amount of {$2800.00} on XX/XX/2023. The lender is Citibank and the retailer for the credit card is Best Buy. I did call Citibank and I they are opening up an investigation into the credit card that was opened in my name, without my consent and had a large purchase made. They have closed the account and put a future alert on their system to make sure I will be notified if anyone else tries to open up another credit card in my name. The direct phone to speak with Consumer Protection inside Citibank is XXXX. I then contacted all XXXX credit reporting bureaus and I have active disputes that they are looking into about these credit card and its purchase. I also alerted them to a hard inquiry with XXXX XXXX as the lender and the retailer being XXXX XXXX XXXX XXXX. Someone did a hard inquiring but was denied the application being opened. The hard inquiry was completed on XX/XX/XXXX and the denial was put in place on XX/XX/XXXX. When speaking with a person at the Fraud Prevention Department with XXXX XXXX, they stated that everything on the application matched my exact information on the application. I was sent an application and needed to fill it out, but I never did complete the application, so it was denied because I did not complete the applicaiton. I do not remember ever contacting XXXX XXXX XXXX XXXX about trying to get a credit card or applying for a credit card. I am waiting on Citibank to do their investigation. XXXX also stated I will receive a letter confirming that my account was declined and that I will be alerted if anyone tries to inquire about opening up credit under my name with XXXX XXXX XXXX XXXX again. XXXX will send a letter within XXXX days giving the result of the charge and credit card that is being disputed with Citibank. XXXX will conduct an investigation into the disputed charge. They also put a fraud alert on my account and froze my credit accounts. XXXX is also submitting a dispute for fraud and will send an email confirmation of the dispute with Citibank credit card as well. XXXX was the credit bureau that suggested I contact the ftc.gov, which led me to the CFPB, which is why I am completing a complaint here. I have not completed a police report, but plan to do that tomorrow.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 508XX
Submitted Via: Web
Date Sent: 2023-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-09
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX High Credit : {$410.00} {$410.00} {$0.00} Last ReportedXXXX XX/XX/XXXX XX/XX/XXXX Date Last XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX none of these credit bureaus are matching DEPT OF ED/XXXX need to be removed only XXXX is reporting XXXX XXXX XXXXXXXX XXXX Monthly Payment : {$0.00} n/a {$1800.00} Last Reported : XXXX XXXX XXXX Date Last Active : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account Status : Closed Paid n/a shows paid on XXXX, closed on XXXX, XXXX not reporting
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32277
Submitted Via: Web
Date Sent: 2023-11-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-09
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I canceled my Citi Premier credit card account. Citi 's stated policy is to refund the annual fee if the card is cancelled within 37 days of posting the fee to the account. My fee posted XX/XX/XXXX, and I cancelled the card on XX/XX/XXXX. I was advised when cancelling that I did not need to pay for the fee, as they would be posting a credit to bring the ending balance to {$0.00}. I subsequently began getting automated calls from Citi stating my balance was past due. I called and spoke to a customer service representative, who could not tell me when my credit would post and could not confirm whether my past due balance would be reported to credit bureaus. I paid the {$95.00} on XX/XX/XXXX to reduce the risk of this getting flagged on my credit report. Customer service told me that a credit would be posted and then refunded to my bank account or sent via check. I have still not received any credit to my Citi account, let alone received the money back. They can not tell me when I should expect it. Now over two months since cancelling the card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37209
Submitted Via: Web
Date Sent: 2023-11-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-09
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have items on my consumer report that are a result of an third party company trying to collect and debt and I have not done any business with them or signed contract with this third party.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30318
Submitted Via: Web
Date Sent: 2023-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-09
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have made numerous telephone calls to XXXX XXXX Customer Service since XX/XX/XXXX. It all started when I received a text alert for a {$20.00} reward for a purchase I did not make. It was on XX/XX/XXXX at XXXX. I have not used my XXXX 's XXXX since XXXX of XXXX ( promotional purchase ). Nothing shows on my account online. I called the card company. I was told by the representative that my account is secured, " there are no new charges ''. My card is locked. I asked for the reason. I was advised to call the next day when the offices are open. I did just that. I was transferred to the department that supposed deal with credit card issues. The first person I spoke with was a man who kept putting me on hold because he was on another line with a customer. Questionable. When he finally talked to me he did not listen. I voiced my concern about the rewards notice I received for a purchase I did not make. Next thing I know, I was on hold again and another person picked up my call. I was transferred me to the Rewards Department. I had to reexplain my situation. I was transferred to another department that verifies information. I explained my concern to the lady on the other line. I was assured my account is secured. " No fraudulent charges ''. I was asked to verify my information then I was told that my card is no longer locked. I could start using it. I asked why it was locked and for her to make sure there is no fraudulent charge. I was again assured, " no fraudulent charges '', and that the verification is a routine check. Several hours later, I received another text, this time for {$10.00} rewards for purchases. I looked at my account online. There was one charge for almost {$400.00}. I disputed that amount online and called again the next day. By that time, two more charges have gone through. Total fraudulent charge was {$1000.00}. I emailed and called numerous times for the next 4-5 weeks. I tried to prevent fraudulent charges from going through to my account. NO ONE at XXXX XXXX LISTENED. I even went to the store in XXXX, CA and spoke to a XXXX to find out how anyone could use my account when my son and I have our physical cards. And, to get those fraudulent charges cleared. In speaking with that XXXX, I realized one thing. My original card ( XXXX XXXX had sent me XXXX other new cards ) was about to expire when the purchases were made. I called the XXXX XXXX Department again on XX/XX/XXXX. I spoke with a lady. I asked and she verified. Replacement cards were sent to me on XX/XX/XXXX only I never got them. Wherever they were delivered to, the people who got them used my card for a shopping spree at the XXXX 's store in XXXX, CA. I solved my own fraud case. Then the issue of having XXXX XXXX 's accounts online became an issue because of the XXXX new cards sent to me as replacements. Each one was a replacement for the other. Each account had varying amounts owed in them. I had to call XXXX 's for that a few times to get things straightened. Finally, the issue with my payments. I continued to pay my XXXX 's account for the valid purchase I made in XX/XX/XXXX while their people did their investing for the fraudulent charges. The XXXX statement shows an adjustment for {$200.00} deducted from my balance of {$1000.00}. New balance calculated is {$1000.00}. I didn't realize that mistake on their side until XXXX or XXXX of this year. I have had to make numerous calls again to get my payment of {$100.00} in XXXX or XXXX credited to my promotional purchase and not to the fraudulent charges. Each person I speak with tells me the adjustment has been completed. Each time I had to explain why I disagree. Then, when they realize my point valid, each time I was asked, again, to wait for the adjustment to go through. Sometimes, I am told to wait a few days, a week, a month then XXXX statement cycles. I have spoken to so many XXXX XXXX representatives and to XXXX supervisors. The first one was nice and helpful. The second supervisor, XXXX on XX/XX/XXXX was not helpful at all. She was also very dismissive especially after I told her I spoke with another supervisor days ago. Latest calls were in XXXX on XXXX and XX/XX/XXXX. Both times I was assured of the adjustment going through and asked to wait days. The last call I made in late XXXX, I asked for a supervisor. He said he requested a rush adjustment to finally get my problem resolved. He told me to wait until the next closing cycle for XXXX. I should see the correct balance on my account in XXXX. It is still wrong. The year is almost over and XXXX 's still has not credited XXXX of my payments correctly. I have wanted to pay off my balance but couldn't until this issue is resolved. XXXX 's still owe me {$100.00} of credited payment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94591
Submitted Via: Web
Date Sent: 2023-11-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-09
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 opened a Best Cuy Citi credit card to get a promotional interest-free purchase, which was paid off in full. Several months after that, I received a fraud alert for a transaction ( that was over {$10000.00} ) that occurred on my account that I did not authorize. After calling the company, they cancelled the transaction and the card and were to issue a new card. The new card had a fraudulent charge on it ( in another state ) prior to me even receiving the card. I called again and their customer service offered the same resolution of disputing the charge, cancelling the card, and issuing a new one. I received the new card, and a few weeks after that, the same issue happened again. There was another fraudulent charge on the account ( again in another state from me ), and again their customer service offered the same resolution. The fraudulent charges occur at least once a month ( sometimes more ), and they're not able to provide any resolution to prevent this other than constantly cancelling the card and issuing a new one. If I don't constantly monitor the account, this could result in huge charges that I am not authorizing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91406
Submitted Via: Web
Date Sent: 2023-11-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-09
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Regarding account ending in XXXX Citibank is still reporting information on this account and has admitted that they have sold this account to another company. This account shows inaccurate information, XXXX shows account in collections and XXXX shows all payments made on time. If Citibank sold this account to another company, why are they still reporting inaccurate information. I believe Citibank is purposely trying to harm my financial wellbeing. During Covid Citibank removed all of my available credit because I was late 1 month on my payments and when Citi removed all my available credit to protect themselves my credit score dropped XXXX points in 1 day. How can Citibank still be reporting an account that they sold. According to 15 U.S. code 44 Documentary evidence. I am requesting that Citibank show all documents relating to account ending in XXXX this includes all documents, papers, correspondence, books of account, and financial and corporate records.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93446
Submitted Via: Web
Date Sent: 2023-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-09
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: My Citibank credit card information was stolen XXXX in XXXX and XXXX, as many charges, adding up to more than {$500.00} were charged in my card ( most of them were charged in a XXXX telephone company, I have never been to XXXX nor heard of that company before ). Citibank contacted me on XXXX asking if I had done these purchases and I said no, and I froze my credit card and was issued a new one. Fraudulent charges appeared again on the new card, which I disputed again. I have called citi and talked to their representatives 5+ times, and they told me the disputes would be solved in 60-90 days. Fast forward to XXXX, they sent a statement saying they kept the disputes as I hadnt provided enough information they requested, even though I had answered all of their questions multiple times we were on the phone. So I called again in XXXX, to reopen the dispute, and they tell me they'll submit the disputes again and will get it resolved. Fast forward to today, 2 months later, the charges are still in my card and I am being charged interest for $ XXXX fraudulent charges I did not make.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10462
Submitted Via: Web
Date Sent: 2023-11-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A