Date Received: 2023-10-27
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: On XX/XX/XXXX, I noticed on my XXXX credit report that there was a hard inquiry from THD/CBNA ( The Home Depot ) on XX/XX/XXXX. I never tried to open a credit card account with The Home Depot on XX/XX/XXXX. On XX/XX/XXXX, I called The Home Depot, with the help of an identity protection specialist, and spoke with XXXX in Security/Fraud. She said that there was nothing opened in my name or SS # and to dispute the hard inquiry online with XXXX. On XX/XX/XXXX and XX/XX/XXXX, I submitted disputes to XXXX regarding the hard inquiry on my credit report from THD/CBNA ( The Home Depot ) XXXX. I submitted that " I believe I am a victim of identity theft and that the inquiry is not mine ''. Both dispute results were : " Inquiries are of factual record of file access and will remain on the XXXX Credit File two years from the reported date of the inquiry ''. On XX/XX/XXXX, I submitted a dispute to XXXX regarding the hard inquiry on my credit report from THD/CBNA ( The Home Depot ) XXXX XX/XX/XXXX. I submitted that " I didn't give this company authorization to access my credit report for this reason ''. The dispute result was " Inquiries are of factual record of file access and will remain on the XXXX Credit File two years from the reported date of the inquiry ''. On XX/XX/XXXX, I submitted a dispute to XXXX regarding the hard inquiry on my credit report from THD/CBNA ( The Home Depot ) XXXX XX/XX/XXXX. I submitted that " This is not my inquiry ''. The dispute result was : " Inquiries are of factual record of file access and will remain on the XXXX Credit File two years from the reported date of the inquiry ''. On XX/XX/XXXX, I again called The Home Depot, with the help of an identity protection specialist and spoke with XXXX. She tried to look up my application through a commercial account. Again, she could not find an account under my name or SS #. She recommended that I send a copy of the hard inquiry for THD/CBNA on XX/XX/XXXX to XXXX XXXX . On XX/XX/XXXX, I faxed a dispute letter ( attached ), a FTC ID theft report and a copy of the XXXX hard inquiry to XXXX XXXX and received no response. On XX/XX/XXXX, I again called The Home Depot, with the help of an identity protection specialist. We were transferred through seven ( 7 ) different departments and individuals and spent over an hour and a half on the phone. No one could find information regarding this application and I was asked to provide my SS # in order for them to find the application request. As The Home Depot could not find my application on XX/XX/XXXX or XX/XX/XXXX with my SS #, I was not comfortable nor confident that they would find it on XX/XX/XXXX, therefore I am reporting this to the CFPB.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 184XX
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-27
Issue: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: I received an email on XX/XX/XXXX from my long-time credit card provider Citi. The details therein suggested : Now you can see the merchants and wallets who have your card information saved on file via the XXXX XXXX XXXX on Citi Online in addition to the Citi Mobile App*. Further, Have you recently closed a card or received a replacement card? Youll see the merchants/wallets where your new card information was updated automatically, plus where youll need to update the information manually. While I was initially excited about this new feature, once I checked my account, I was upset to find that Citi, if the email is correct, had potentially updated my replaced or otherwise new credit card number ( s ) to merchants that I have not done business with for many many years ; this practice seems completely negligent on their part, considering they have the details to know that I have not paid for service with near half the companies listed, again, for many years! How is it that they should not give the customer an option to automatically update credit card details with a specific merchant ; anything less and Citi is unnecessarily putting customers at financial risk?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85255
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-28
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have a big situation and i really hope that you can please help me. I went into Citi Bank to open up a checking account on XXXX at the XXXX Illinois location to deposit a large amount of checks that I have received on my wedding day XXXX in the total amount of {$28000.00}. The bank teller asked me if the name " XXXX '' on the checks were my nickname and I said yes. she told me to just go ahead and sign the back of the checks and I shouldn't have a problem. I also had my husband sign the back of the checks as well with the checks that have his name on them. I had received my debit card in the mail XXXX days later on XXXX. When I called to activate and access the account, a representative told me that my account is blocked and transferred me to the fraud department. they told me that my account is being closed due to " third party checks '' and they don't allow that but those checks were made to " ME ''. I am XXXX, they are not third party checks. XXXX and XXXX are the exact same person. XXXX is my XXXX name. I use that with friends and family and also for work. They said they are not going to send me back the funds because they can not verify who I am, but those funds were all deposited into the checking account and I have confirmed with all the guests that have written me those checks and they told me that their checks have ALL indeed been taken out of their account and deposited. Please, I am begging you to give me back all the wedding money that I had received. I have every single wedding card with the guests names on them, my wedding website, my marriage license, my wedding contract, all the documents to prove that the wedding took place on XXXX and the check date matches the wedding date. I am who I say I am and I don't understand why the bank teller who had helped me at the XXXX location would tell me that it was ok for me to deposit these checks. they should've known better and I am in such a state of anxiety and sadness that this is happening to me. Please help me. I really need the funds back. I hope to hear back from you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60016
Submitted Via: Web
Date Sent: 2023-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-26
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: This is a follow-up to case # XXXX. Fraudulently Opened Wayfair Credit Card Account # XXXX XXXX XXXX XXXX through Citibank ( CBNA ) on XX/XX/XXXX. An order # XXXX of {$2300.00} - XXXX cookware was reportedly shipped to my address in XXXX XXXX , CA on XX/XX/XXXX. I contacted Wayfair on XX/XX/XXXXXXXX talked to XXXX in Customer Relations who said she'd send the complaint to their fraud dept and they would contact me. They did not contact me, but sent a letter dated XX/XX/XXXXXXXX stating their investigation did not support my claim. I again contacted Wayfair on XX/XX/XXXXXXXX and talked with XXXX in Security/Fraud Dept. She said they would do a proper investigation and contact me to interview me regarding the identity theft. They never contacted me, but again sent the same letter, this one dated XX/XX/XXXX, stating their investigation did not support my claim. I then filed a complaint on XX/XX/XXXXXXXX with you, the FTC CFPB # XXXX. In addition I filed an identity theft report with the XXXX XXXX Police Department. The case number DR # XXXX, a copy of which can be obtained by contacting the XXXX XXXX Police Departments Records Bureau at XXXX, XXXX XXXX. Lastly, I was assigned XXXX XXXXXXXX XXXX XXXX restoration specialist, XXXX XXXX, on XX/XX/XXXXXXXX to help resolve this identity fraud dispute. Citi Bank/Wayfair investigation , sent a letter dated XX/XX/XXXXXXXX with regards to my first CFPB Case # XXXX stating that Wayfair 's investigation is complete and I am responsible. The letter provided information and documentation I had not been given before, including the XXXX Tracking of package ID XXXX. It clearly shows ( but the investigator did not see it ) that the package was delivered not to my address, but to someone in XXXX XXXX, CA. The provided photo does not show my front porch. In the travel history, it shows XX/XX/XXXXXXXX at XXXX XXXX " Address corrected. '' and " Alternative delivery requested. '' This package was rerouted and delivered at XXXX XXXX on XX/XX/XXXXXXXX to an undisclosed address in XXXX XXXX, CA. With this new observation, I again called Wayfair security fraud on XX/XX/XXXXXXXX and talked with XXXX who confirmed the fraudulent activity and that the Dispute # XXXX should be reopened. She said Citibank would need to reopen the dispute and I would need to call them to refile the dispute. When I called Citibank to ask that the investigation be reopened, I talked with XXXX and she that the dispute could not be opened on their end, but only through Wayfair. At this point, on XX/XX/XXXX, XXXX XXXX XXXX- XXXX restoration XXXX, XXXX XXXX , stepped in to try to resolve the issue via a conference call with CitiBank/Wayfair fraud department and me . After 1 hour and 20 minutes, we finally talked with someone, who was difficult to understand and did not get a name. She confirmed that the case/dispute was still open and that it would be investigated again looking at the FedEx tracking information . Wayfair is a victim of theft and should file a police report in the appropriate jurisdiction.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92627
Submitted Via: Web
Date Sent: 2023-10-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-27
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am formally complaining against MACYS/CITIBANK I for a number of consumer laws that they are in violation of. 15USC1681 ( A ) ( 2 ) dealing with exclusions and how I never gave them the right to report any of my transactions to any 3rd party ( XXXX, XXXX and XXXX ) along with 15USC6801 and 15 USC6802 ( A ) ( B ) ( C ). I have contacted MACYS/CITIBANK who has been totally non compliant through this entire process and has been adamant about breaking consumer laws. I asked the CFPB to step in and make sure that MACYS/CITIBANK stand by and address the issues that I noted in consumer law and not to continue to disregard the rights of consumers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11208
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX put on my credit that Im not aware of never had that company also Best Buy
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: 2023-10-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-26
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I am writing regarding the recent notice I received from my credit card company, CITI, requiring me to agree to receive statements and legal notices electronically in order to maintain digital access to my account. I believe this policy may be illegal for the following reasons : 1. The Electronic Signatures in Global and National Commerce Act ( ESIGN ) states that companies can not require electronic delivery of statements and notices as the sole means of delivery unless the consumer consents electronically in a manner that demonstrates the consumer can access information electronically. While CITI is requesting my consent, they are also threatening to revoke digital account access if I do not consent, which may run afoul of ESIGN 's requirements. 2. The ESIGN Act also requires companies to provide consumers with notice of their right to withdraw consent to electronic delivery and provide alternate means of delivery at no additional cost. The CITI notice does not mention my right to withdraw consent or obtain paper statements. 3. The Truth in Lending Act requires credit card companies to provide periodic statements in writing at least 21 days before payment is due. While electronic delivery satisfies the " in writing '' requirement, CITI 's threat to revoke all digital access if I do not consent could prevent me from receiving any statements as required by TILA. 4. The Fair Credit Billing Act establishes consumer rights in the billing process, including the right to receive prompt crediting of payments and corrections of billing errors. If CITI revokes my digital access for failure to consent to e-statements, I would lose my ability to quickly identify and dispute potential errors in my bill. In summary, CITI 's policy requiring consent to paperless statements or else face denial of access to my account information appears to contradict consumer protections under ESIGN, TILA, and the FCBA. I urge you to look into this matter to ensure companies are not unlawfully coercing consumers into electronic contracts. Please let me know if I can provide any additional information. Thank you for your time and attention. -- -- -- -- -- -- -- -- -- -- -- -- -- Action Needed : Agree to go Paperless to maintain digital access to your account ( s ) Were requiring you to go Paperless to maintain digital access to your account ( s ). This means your statements and legal notices will be provided only on Citi.com and the Citi Mobile App. Not ready? We will remind you one more time. After that, authorizing Paperless Statements and Legal Notices will be required or you will not be able to access your account ( s ) on Citi.com and the Citi Mobile App to make payments, view transactions, or use any other digital features. After selecting 'I Authorize ', you can always switch back to paper delivery on your 'Paperless Settings ' screen and maintain digital access. Go to 'Services >> Statement & Documents ' on Citi.com or 'Profile >> Statements & Communications Preferences ' on the Citi Mobile App . Paperless delivery is secure and convenient. Automatically receive payment due reminders on credit card account ( s ) Immediate access to past 24 months of statements ( 12 months if not Paperless ) No statements will be lost or stolen in the mail By clicking " I Authorize '' I agree to the Paperless Terms and Conditions and understand that I will receive my statements and some legal notices electronically only instead of through the US mail. The Paperless Terms and Conditions provide more details, including the system requirements to view documents, and how to get a paper copy or cancel Paperless. I also agree to the Alerts Terms and Conditions and understand that Citi will send me an email alert five days before my credit card payment is due.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20853
Submitted Via: Web
Date Sent: 2023-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-26
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: My Citi credit card was closed on XX/XX/XXXX. The reason given was returned or late payments. I had my old XXXX XXXX XXXX account still set as my auto pay account on accident. I had been making all my manually payments via my XXXX XXXX account on time for the last few months. When XXXX XXXX XXXX was taken, it attempted to pull from my old account and the payment was returned. I immediately fixed this issue by deleting the XXXX account and made the required payment via my XXXX XXXX account. However, Citi refused to re-open my account. While I made the mistake for leaving my old bank account on file, I dont think its necessary to close my credit card due to this mistake. I have payed everything on time since I became a customer. I rely on this credit card for critical monthly purchases.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33613
Submitted Via: Web
Date Sent: 2023-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-26
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I opened my account on XX/XX/23 which until this day I have not received my debit card had to go to the branch to get a temporary card. On Friday XX/XX/23 I made an ATM deposit of my payroll check in the amount of {$2200.00} that check has been on hold. On Tuesday XX/XX/23 I called the branch and spoke to the manager to see if I can get access to my funds she tells me she cant help with that because she has no access to the ATM transactions to call the XXXX number and basically said I can not help you, later that day I tried logging into my account I was unable to that whole day, later that night I tried again and still couldnt therefore I called the customer service number to be told that my account was blocked and was put under investigation without any explanation. Called the number I was provided on Wednesday XX/XX/23 was told they needed to verify the check with my job I provided the contact information for my payroll representative, after that the Citibank rep refused to call my job stating they could not make outbound calls that person disconnected the call with no prior notice. I called back again got a hold of XXXX different representatives finally one actually did his job and called and verified my check then proceeded to unblock my account. Wednesday XX/XX/23 my funds are still not available to me so I called and spoke to a supervisor and she tells me my funds are on hold for 5 days and will not be available until XX/XX/23 which thats more than 5 days then she tells me to go to the branch to see if they can help me because she cant and disconnected the call. I need my money now and Citibank does not care about that or me as a customer and the distress is causing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94520
Submitted Via: Web
Date Sent: 2023-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-26
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: On XX/XX/XXXX I did a purchase in XXXX, to XXXX, a furniture company. originally, the transaction for XXXX {>= $1,000,000} pesos or {$5500.00} was requested to be voided, hoewver one month later, by a letter, mail and phone call I confirmed to Citicard the transaction was correct, and requested them to charge my credit card. The Bank in XXXX, paid to XXXX the XXXX {$29.00} XXXX pesos, and XXXX delivered to me at satisfaction the furniture. Citicards, despite my continuous letters and mails, debited and credited the {$6500.00} to my account. They stated theyw ere investigating the report ( by the way, never contacted XXXX ). Suddenly in XXXX XXXX the XXXX bank took away from XXXX the {$29.00} XXXX pesos. XXXX has been asking me to pay them for their sales, I have stated to XXXX many times, to reimburse XXXX and charge my account. Finnaly, they charged me again on XXXX the XXXX but have refussed to reimburse XXXX the XXXX XXXX pesos tI owe them. The bank in XXXX contnues saying they have no instructions from XXXX to reimburse the {$29.00} XXXX XXXX pesos. Citicards refuses to give me a letter stating they have charged me and they will pay XXXX in XXXX. XXXX is talking about suing me in XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33067
Submitted Via: Web
Date Sent: 2023-11-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A