Date Received: 2023-10-28
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I applied for a new credit card at my local bank, XXXX XXXX XXXX XXXX, and they stated my application has been unapproved because I have multiple hard inquiries on my report. I do not recognize these hard inquiries.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: credit card from XXXX XXXX doesnt belong to me on my credit report they wont remove it saying its mine dispute 3 times already
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06109
Submitted Via: Web
Date Sent: 2023-10-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-28
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/XXXX my card was compromised and someone charged {$6400.00} to my card. On XX/XX/XXXX, citibank did the right thing and completely credited my account. On XX/XX/XXXX, citibank ( or maybe the merchant ) did {$2100.00} of chargebacks back onto my card. On XX/XX/XXXX, citibank did the right thing and completely credited my account, although this time they actually credited {$5.00} too much. Here is where the unresolved dispute begins : XX/XX/XXXX, citibank ( or maybe the merchant ) did {$2500.00} of chargebacks back onto my card. This was made of up 4 charges : {$1000.00}, {$930.00}, {$620.00}, {$23.00} XX/XX/XXXX, citibank ( or maybe the merchant ) did ANOTHER {$1000.00} chargeback onto my card. XX/XX/XXXX, citibank credited me for 2 of the chargebacks from XX/XX/XXXX : {$1000.00} and {$930.00} XX/XX/XXXX, 3 random credits were applied to my account, ( I was told this was done by the merchant ) : {$5.00}, {$20.00}, {$20.00} XX/XX/XXXX, citibank credited me for the last XXXX chargebacks from XX/XX/XXXX : {$620.00}, {$23.00} They still owe me a credit for the {$1000.00} chargeback that was charged to my balance on XX/XX/XXXX. When you net this against the 4 random credits they have given me that have no offsetting charge ( totaling {$50.00} ) and combine that with 4 months of interest charges charged to me for short paying these fraudulent charges, it equals to my current balance which is {$1300.00}, none of which I actually owe to citibank. I have attached a spreadsheet that I've made which shows all of this charted out over time. Specifically, please take a look at the tab called " charges vs credits '' and also the tab called " sequential activity '' shows all of the charges in XXXX place with a running total on column XXXX I have also attached all of my credit card statements beginning with my XXXX statement when the initial problem started, all the was through my latest XXXX statement. On my personal spreadsheet that I have attached below, If you look at the tab called " communication '', it details what I've been through with trying to work this out with citibank. Basically, it is the following cycle : - I call and explain the problem. The rep looks at my account and says that I've been given all the credits that I am due. I ask them to transfer me to their supervisor. - Supervisor comes on and either sees the problem and agrees to get this fixed, or in the last case, tries to tell me that the charges on my XXXX and XXXX statement were informational and did not actually go into my balance. A quick and simple mathematical calculation proves that to be untrue, in any case, they then transfer me back to customer service so they can actually credit the account. - Customer Service comes on and after explaining the problem again, they see the mistake but then they tell me that they don't have the authorization to make the credit, they will show this to their supervisor and the call ends. - Supervisor comes and takes a quick preliminary look at the account, decides that I've been credited everything that I am due, and closes the case. I have called and reopened the case many, many times. I am lost as to what to do. The last person I spoke with told me that they see the problem, and that I will be getting a letter showing that I have a {$1000.00} credit coming. That was 3 days ago and I haven't heard anything nor has my account been credited. My current balance due is made up of the following XXXX charges : {$1000.00} charged XX/XX/XXXX < $ XXXX credited XX/XX/XXXX < $ XXXX credited XX/XX/XXXX < $ XXXX credited XX/XX/XXXX < $ XXXX credited XX/XX/XXXX {$110.00} XX/XX/XXXX statement interest charge {$140.00} XX/XX/XXXX statement interest charge {$94.00} XX/XX/XXXX statement interest charge {$31.00} XX/XX/XXXX statement interest charge TOTAL : {$1300.00} I have emailed this breakdown to citibank on multiple occasions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76182
Submitted Via: Web
Date Sent: 2023-10-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-29
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Between XXXX and XXXX of this year, I identified an unauthorized charge of {$1200.00} on my Macy 's account. Despite reporting the issue to Macy 's customer service, the subsequent investigation concluded that there was insufficient evidence to support my claim, holding me responsible for the charge linked to the used name " XXXX XXXX. '' I have changed my name since XXXX and I have never used the Macy 's card or visited a cigarette store nor smoked. All the transaction from that period of time I do not recognize. I would appreciate your assistance in relaying this summary to Macy 's for their attention and resolution of this dispute.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94541
Submitted Via: Web
Date Sent: 2023-10-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-29
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I paid Home Depot to settle the day. I asked him to send me a letter stating that the debt was settled never sent it and is still reporting on my credit report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2023-10-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-29
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: While I deeply appreciate the services and credit extended to me by financial institutions, I find myself perplexed at the inability to secure credit limit increases on my accounts. Notably, all of my accounts are in good standing, with a consistent history of on-time payments. Additionally, I have recently experienced a significant increase in my monthly income, which bolsters my financial stability and capability to manage credit responsibly. Given these positive factors, I am keen to understand the criteria or concerns preventing the approval of credit increases. I believe that a reconsideration based on my improved financial position and impeccable credit management would be both fair and beneficial for both parties.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-27
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: XX/XX/2023, with my Citi Card - Master Card, I inadvertently started a transaction for {$710.00} to book a hotel with a company, " Get A room '', also known as " XXXX XXXX ''. I thought i was on a hotel website but they are an intermediary. They charge $ XXXX " convenience fee '' to book a hotel room. it is easily overlooked because many municipalities have various fees and taxes. Additionally, they do not allow any cancellations, whatsoever, without a 50 % penalty. this is highly unusual - no hotels have this kind of policy. Before completing the transaction- i realized it was a rip off. I never entered the XXXX XXXX " pin code '' sent to my mobile device. In other words, I never completed the transaction. i have not been able to reach resolution. I find Citi Bank Credit Cards at fault because they should not facilitate business with this merchant. and they sided with the merchant in my dispute.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76262
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-27
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 purchased tickets to an event scheduled for XX/XX/XXXX in XXXX. The event was rescheduled for XX/XX/XXXX. I was not in XXXX at that time. I was unable to cancel my order, but I was also unable to resell my tickets, despite that being outlined as an option on the vendor 's website. They did not work with me despite my attempts to cancel/ resell the tickets. I have called them and chatted with them through their website. After explaining this to Citi Bank, they response was as follows : " Since the merchant has not agreed to accept your cancellation request, we are unable to assist you in obtaining credit for this dispute. If you wish to continue this dispute, please contact the merchant directly. ''
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28787
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-27
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: I had a store card at XXXX XXXX and without my authorization they closed my store card account and opened up a visa credit card through Citibank. I only found out about this when I tried to pay my store card balance online like I always have using my bank account and the online website said it needed to verify the account and that it would take 3 days to verify it. I called customer service to find out what that meant and they told me that they had opened a visa card in my name instead of my store account and my balance had been transferred to the Visa account. I never authorized this Visa account and I had no knowledge that they were closing my store account to open it. They tried to tell me it was some kind of promotion and I told them I dont want it I just want the store account and they said I couldn't switch back. I had to use the Visa. I went ahead and canceled the account and now they are telling me my payment, which i ended up mailing in, is late because they gave me the wrong address to mail it to. Thankfully I have a tracking number for when my check was delivered and what day I mailed it. Is it legal for them to open a Visa account in my name without my authorization? If it is, why and how is this legal? The late fee was {$29.00} dollars and they charged an additional {$4.00} for interest or some sort of craziness. This seems like such a scam, I don't even know what the apr or other conditions on the card are. I never authorized it and I can't believe this is legal. The fact they gave me the wrong address to send my check to making my payment 'late ' really just makes this seem like even more of a scam.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21771
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-27
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: Costco Visa rewards for travel, restaurants etc. do not mention that each type of business has to bill using a special code or number. If the do not use that, the consumer does not get the points they should. Nowhere does it mention that one should ask each business how they bill and what numbers they use before going out to dinner! This is false advertising. Even on inspection, my bill lists restaurants not some restaurants only! There are rewards for transportation yet ferries do not bill with special numberstherefore they are not included.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 902XX
Submitted Via: Web
Date Sent: 2023-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A