Date Received: 2023-10-09
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX my daughter answered a phishing call which resulted in our phone lines being cut off. New phone number issued by the phone company ( XXXX ) I checked with XXXX concerning a fraudulent card opened and contacted the card company - Citicard/Citibank of the fraudulent use of my name and social security to open a credit card with my name. Because the fraudulent person used the stolen phone number, I had to go through a process to verify my identity with Citicard. By the time I verified my identity, the charges were made on my citicard of XXXX I cancelled the card finally once my identity was securely identified and began the process of disputing the charges. XX/XX/XXXX, I was notified Citicard/Citibank is expecting payment for the charges made by the fraudulent person identified at XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX and by the email address of XXXXXXXX XXXX XXXXXXXX. I called XXXX and was told that the charges were fraudulently placed and it was not my responsibility. They gave me a reference # XXXX. I called XXXX and was told Citicard/Citibank finds me liable for the charges and that they have yet to close it out. I was given a website to upload any new evidence into XXXX XXXX I tried to upload the police report but the link didn't work. I mailed a copy receipt return to XXXX XXXX XXXX : Customer Care XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I called XXXX police to obtain a police report. I received a complaint number as XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70123
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-09
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: Issue number one. Charges made on my Home Depot card. Contact Home Depot was issued a new card. Thought it was an isolated incident and moved on. Issue number 2XXXX received a letter from Best Buy credit services. They informed me that my credit was denied. I did not apply for a Best Buy credit card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07110
Submitted Via: Web
Date Sent: 2023-10-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-09
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I have redeemed the rewards from my shop your way credit card for a ereward gift card with a balance of {$20.00} on XX/XX/XXXX. The gift card consists of an email with an image of a credit card and a link to " redeem your gift card '' and no further contact information. When I click on " redeem your gift card '' the link forwards to XXXX XXXX XXXX and an error appears : " A system error has occurred. Please try again later. '' ( attached ) I reported this issue on XX/XX/XXXX and I obtained a reply on XX/XX/XXXX asking me to contact the phone number in the email they forwarded ( attached ). The email does not contain any phone number or form of contact. When I asked for a clarification the customer service sent me a duplicate of their previous email.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94404
Submitted Via: Web
Date Sent: 2023-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-09
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: This account has reported late when it has never been late and it is affecting my credit score. This score needs to be removed immediately per the FCA reporting laws stating correct reporting is mandatory. This is the account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45248
Submitted Via: Web
Date Sent: 2023-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-09
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: This is a past dispute on 5 checks issued fraudulently on my account ( totaling {$15000.00} ) in 2010. The checks were cashed by unknown entities. Repeated attempts to resolve this matter over 15 years have failed. Citibank has made absolutely no attempts to identify the destination accounts or the people who cashed the checks. No blocks were issued nor any verification was done by the bank to ensure the integrity of the checks ( which is shocking to me ). After many years, the bank has claimed the signatures belong to me but this is vague as the handwriting in the 'To ' field on the check is completely different and it is fairly easy to forge a signature. I've written to Citibank numerous times on this matter but each time the matter is treated with neglect. They have now stopped responding. I've attached the recent letter sent to Citibank regarding the same.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07304
Submitted Via: Web
Date Sent: 2023-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-09
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Back on XX/XX/2023, I registered for Citi 's " Refer a Friend '' program, which offers me a {$100.00} statement credit after I refer someone to Citi and they are approved for a new credit card. On the same day, I shared my unique link with my brother. Within the next day or XXXX, he used my link and applied for the same card that I have, the Citi AAdvantage XXXX XXXX card, and was instantly approved. He has been using it as his primary card ever since, and Citi has gained a new customer because of my referral. Unfortunately, Citi has not held up their end of the bargain. Per the terms of their program, I should have received the {$100.00} statement credit within XXXX weeks of my brother 's approval. It has now been over XXXX weeks, and they have never issued the credit. I have reached out to them numerous times on the phone, and support inquiries have been submitted, but Citi has never followed up on these inquiries with any additional information. This practice is completely unacceptable on XXXX end. It is not fulfilling its obligations under the program that it has advertised.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11201
Submitted Via: Web
Date Sent: 2023-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-09
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I have notified the credit bureaus & XXXX of misreporting bytheir company in accordance with the Fair Credit Reporting Act. According to which, as the furnisher of the information in question, you have a grave responsibility of maintaining the accuracy of that information The following account ( XXXX Account Number : XXXX XXXX ) is reporting a balance of ( {$7000.00} ) when it is my understanding an reason to believe that because this debt was charged off by you that it was memorialized with a Form 1099C as proof or evidence thereof. And that because of that fact, this debt is canceled and at least should not reflect the balance that is currently showing of ( {$7000.00} ) on my consumer file. This would indicate inaccurate reporting on your behalf and therefore is a violation by you the furnisher to continue to report this inaccurate information. Especially with my notice and knowledge confirmation of the errors.This incomplete and inaccurate reporting has had a negative impact on my creditworthiness for too long. To address this matter, I kindly request that you provide me with Form 1099-C, which is required as proof of debt cancellation according to IRS regulations.I have taken the initiative to ensure my financial records are accurate and up-to-date, and I believe that providing Form 1099-C is crucial to establishing the validity of this charge-off. It is my understanding that the absence of this form would render the charge-off entry incomplete and potentially inaccurate. If it is determined that the charge-off entry lacks proper documentation, I request that it be promptly removed from my credit report to ensure the accuracy of my credit profile. I XXXX XXXX presents evidence of what I believe to be deceptive and potentially unlawful practices by THD/CBNA ( Citibank N.a ) , the creditor in this case. The evidence I provide below is a communication I received from XXXX XXXX XXXX XXXX, a service provider to Citibank N.a, regarding the handling of an unverifiable debt account : [ Attach a copy of the communication EXHIBIT A ] In this communication, XXXX XXXX XXXX XXXX acknowledges that THD/CBNA placed my account for collection on XX/XX/XXXX, and subsequently recalled it on XX/XX/XXXX. However, I would like to draw the attention to several concerning aspects of this communication : Deceptive Practices : The recall of the account and its subsequent sale to another entity, XXXXXXXX XXXX XXXX XXXX XXXX Citibank N.a raises concerns about the accuracy and completeness of the information provided to me XXXX XXXX XXXX Deceptive practices, including recalling an account without proper notice or resolution, XXXX be in violation of the FDCPA, which prohibits unfair and deceptive debt collection practices.. Lack of Validation : Despite my explicit request for validation of the debt, XXXX Citibank N.a , through its service provider XXXX, failed to provide any substantial documentation or verification of the debt. This failure to validate the debt as requested is a violation of my rights under debt collection laws. I believe that these actions by XXXX Citibank N.a may be indicative of deceptive and potentially unlawful practices under the FCRA and FDCPA. By recalling the account and subsequently selling it to XXXX & XXXX XXXX for them to sue me for a debt that can not be validated by themselves : Case NO. XXXX, XXXX Citibank N.a may have circumvented the protections provided by these laws, thereby compromising my rights. XXXX XXXX XXXX ( OSCR # XXXX ) is the Debt collection attorney suing me for a debt THD/CBNA knownly lied about recalling account they sold just to resell it a few days later to another debt collection company. NO one at XXXX citibank na can explain to me why a debt collection company is suing me for an unverifiable debt please CFPB help me i do not understand how they can do this. IT'S NO Comments or Statements Saying This account was sold or purchased by two different entities which is a clear violation that need to be removed for the sake of the banking system and my creditworthiness I am contesting any information on my consumer report that is not true or documented. This includes any claims that have not been proven to be correct. I am doing this in accordance with the FCRA and the accepted STANDARD of XXXX XXXX data field reporting.I can not recognize or accept the allegation of delinquency and derogatoriness without factual document proof. I challenge the reportability of these allegations because it is unsubstantiated. According to federal and state law, you must report any allegation accurately and completely. It is wrong to report any claims that you know or should know are against the law or regulations The account in violation listed above is not related to a transaction authorized by me, the consumer. This item has been FTC & CFPB reported since me consumer XXXX since the notice of the negative item on my consumer report. 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. FTC Report was sent to your company Report Number : XXXX back in XX/XX/XXXX with all the needed information to block and remove these inaccurate and incomplete accounts your company willingly ignored my request as a consumer which is an violation of FCRA laws 15 USC 1681a ( d ) Consumer Report. ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; I THE CONSUMER GAVE NO PERMISSION WRITTEN EITHER ORAL OR SIGNED DISCLOSURE TO GIVE PERMISSION TO FURNISH THIS INFORMATION TO MY CONSUMER REPORT. WHERE & WHEN DID YOUR AGENCY RECEIVE PERMISSION TO FURNISH INFORMATION ON MY CONSUMER THATS NOT RELATED TO INFORMATION SOLELY AS TO TRANSACTIONS OR EXPERIENCES. VIOLATION OF FCRA ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Your Agency Has failed to do an accurate and fair investigation No interviews with neighbors, friends or associates to determine my general reputation or personal characteristics was conducted which is a clear violation under congress. 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. The account listed above i found and proved to be inaccurate and incomplete after multiple disputes and it still reminded on my consumer report which is another violation and clear signs of neglect for consumers in your agency 15 USC 1681 The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. By Your Agency reporting this negative information, they are contributing to the inefficiency of the banking system and public confidence of us, the consumers. Your Agency is violating my right to privacy given to me by congress. This is also a violation of the Fair Credit Reporting Act and defamation of character. 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 6 ) Notice of results of reinvestigation ( A ) In general a consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( B ) Contents As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumers file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I would like to receive a description of the procedures used to determine the accuracy and complete fairness of the information your agency found and used please include business names, addresses of any furnisher connected in connection with the information your agency receives. Your company is in violation for not following FCRA laws No procedure description was ever sent to me after every disputed item. REMOVE IT IMMEDIATELY. 15 U.S. Code 1681o - Civil liability for negligent noncompliance ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; Your agency has violated all the above rights under the Fair Credit Reporting Act,15 U.S. Code 1681 Permissible Purpose of my consumer report. 15 U.S. Code 6801 - Protection of nonpublic personal information a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. YOUR AGENCY IS VIOLATING MY RIGHTS TO PRIVACY I want to make it clear that this is I, '' XXXX XXXX and not a credit repair company sending out this notice to you. I have attached proper identification to this notice. In case you didn't know, reporting invalidated information is fraudulent and a violation of both state are federal laws, so if this matter doesn't get resolved within the time allotted I am willing to take legal action to compensate for the damages I've sustained, because you've not only been willfully and continuously neglecting my request but also willingly violating the Fair Credit Reporting Act. Each Violation listed is actual damages sustained by the consumer as a result of your agency negligence to follow laws your agency will have to pay {$1000.00} for each violation. REMOVE ITEM LISTED Immediately or face litigation in federal court for all listed violations for monetary damages and defamation of character and harming my credit worthiness.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 441XX
Submitted Via: Web
Date Sent: 2023-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-09
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: I requested information twice once in XX/XX/2023 and the second in XX/XX/2023. The company respond only with a validation notice and disregard the information I seek and my right.
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: 2023-10-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-09
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: On XX/XX/XXXX, a balance transfer was made for XXXX from my XXXX credit card to my Citibank card. During the waiting period, I noticed that the payment was not reflected on my XXXX card, but the Citi card reflected the amount. I called Citi to see why my payment had not been posted to my XXXX card and was told to wait a few more days. I questioned the representative to ensure that the right card had been paid. The representative asked for my XXXX 's card number and reassured me everything was fine. Well, I waited a few more days and called back into Citi and spoke with a different representative who asked for my card number again. The representative then informed me that the card number I had given didn't match the one that was paid. I asked how is that possible when I had just reached out to a representative who reassured me the right card had been paid. I explained that I use the mobile app to do the balance transfer by taking a snapshot of my XXXX card as requested by their system. However, I hadn't noticed that some numbers had changed due to the number being blocked out. The rep stated a case would be open, but it was too late to recall the balance transfer which I had requested early on, but was told it would be fine. A week had passed so I reached back out to Citi to see if any progress had been made, I was told they would need to reach out to XXXX. I received a letter in the mail stating the case is now with XXXX and given a trace number for the payment. I then reached out to XXXX only to learn that Citi could not speak with them without me being on the call and they would open their own investigation. XXXX gave me a temporary credit but removed the credit on XX/XX/XXXX because the trace number provided by Citi was considered invalid. I then reached back out to Citi, who opened another case and once again I was sent the same letter stating information was sent over to XXXX along with a trace number. The trace number sent was the same trace number I was previously provided. I decided once again to call Citi and have XXXX on the phone at the same time. The XXXX 's rep explained that there was nothing that could be done on their end because that trace number was invalid and they recalled the payment altogether. The Citi rep said sorry we can't do and there is nothing that can be done going forward. I have since opened another investigation with hopes this can be resolved, so far I have received the same response when calling. I was even told I would get a provisional credit until the issue was resolved ( Citi ). There is still no provisional credit just two high balances. Today 's billing representative said to give it until the end of the week to get resolved before calling back. Here are some additional information provided to show that I have tried working with XXXX as well the case number is XXXX. There are also recorded conversations were both XXXX reps are telling the Citi representatives the trace id number is not valid and to recall the entire payment and their refusal. Trace number is XXXX. I have faxed this document over to XXXX myself as well and got the same response.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 31069
Submitted Via: Web
Date Sent: 2023-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-09
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I called Citibank regarding the hard inquiry on my account which I am not familiar with. They said I have to contact the credit Bureaus so that they can further assist me. I tried to obtain information from the account that was tried to be open and they refused to give me any information. Ive been contacting experian, XXXX and XXXX the whole month of XXXX and XXXX and experian were able to help me. XXXX is giving me an extreme hard time to remove any inquiries from my credit report although I keep emphasizing I am not familiar with the inquiry what so ever. Please help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10468
Submitted Via: Web
Date Sent: 2023-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A