Date Received: 2024-02-24
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: unknown inquiry on XXXX from CBNA on XX/XX/2023 2023
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60504
Submitted Via: Web
Date Sent: 2024-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-24
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: RE-Citi /advantage executive world mastercard account. Without our prior permission our account was changed to paperless billing. We did not receive a XXXX statement. I eventually realized and called Citi bank on XX/XX/XXXX. I asked them to change our billing back to paper statements, send a copy of the missing bill and waive the interest and late fees. They agreed to do that. I also paid the outstanding balance using check by phone at the end of the conversation. When I got the following months bill, they had not waived the interest charges. I called them and they then said they would only waive {$100.00}, and not the full amount of {$160.00}. They also told me the paperless billing was requested on XX/XX/XXXX. This was the day my family were at the zoo- so I know that no-one requested paperless billing that day. It is unethical to charge an interest fee when the customer has not received a bill. It is also unethical to change to paperless billing without the customer 's permission.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92629
Submitted Via: Web
Date Sent: 2024-02-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-24
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: XX/XX/XXXX. XXXX Macy 's XXXX XXXX XXXX ( managed by Citibank ) Macy 's XXXX XXXX Account Payments XXXX XXXX XXXX XXXX, KY XXXX RE : Old and New Macys/XXXX XXXX XXXX XXXX XXXX XXXX Closed by MacysXXXX XXXXCitibank (? XXXX XXXX Ending in : XXXX Minimum Payment : {$0.00} Due Date : XX/XX/XXXX Current Balance : {$0.00} Available Credit : {$0.00} XXXX ) Opened by Macys/XXXX XXXXXXXXCitibank ( XXXX XXXX XXXX Ending in : XXXX Minimum Payment : {$1600.00} Due Date : XX/XX/XXXX Current Balance : {$5700.00} Available Credit : Not Available In the latter part of XXXX, we were called by a person who represented that she was a 'Macys ' representative. She did not clarify if she also represent XXXX XXXX or Citibank. She advised that there had been fraud on our account involving a XXXX transaction. We did not see this on our side, and we did not report such fraud ; we advised that we did not originate the charge, nor do we use XXXX. She insisted the account must be closed and a new account opened ; we were not given a choice. Thereafter, it was impossible for us to access the original account online to pay or otherwise utilize the card ; moreover, if we called, the issue of the supposed fraud hindered us from receiving assistance. Subsequently, for many months, we could not access the portal to see any activity or pay. Months later, one of the three entities above opened a new account. For a while, a balance was left in the old account and the autopayments we had set up covered payments due even with our limited access. Later, the balance was migrated to the new account, and we then did not have access to the new account. Fortunately, we had placed the payment on monthly autopay, and this has continued to pay the original account ( see the attached printout of payments since XX/XX/XXXX, the furthest back we could retrieve information online ). Recently, Macys proceeded to process a payment in the amount of over {$1900.00} dollars, which was not originated by us and was therefore attempted fraud. We advised our bank of this unauthorized withdrawal. The bank was able to confirm the monthly payments we had programmed and reversed the transaction. We advised the bank to accept the smaller payments. However, despite the ongoing payments, we continue to receive calls regarding payment. If, due to Macys insistence on having two accounts, any payments have fallen in arrears which we are not aware of, this intentional or accidental negligence should not penalize us. To our knowledge, Macys did not provide two sets of bills for these accounts, specially in view of the fact that the separate accounts were not created for quite some time and that our access to the portal was hindered. As we do not know who is actually taking these actions that seem to either be fraud or at best, mismanagement of our account, we are including all three entities in this CFPB complaint because mismanagement of our credit reporting will result in our inability to refinance our home, and we are facing a balloon mortgage in two months. Sincerely, XXXX XXXX and XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 330XX
Submitted Via: Web
Date Sent: 2024-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-24
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Over the past three weeks, my accounts have been repeatedly flagged by Citibank 's fraud systems for routine purchases. Despite daily calls to verify my identity and transactions, my account is cleared only to be blocked again the following day. This cycle has occurred more than a dozen times in the last two to three weeks alone. I've spent countless hours speaking with fraud specialists and supervisors, yet even after adjustments made to my account, the relentless false positives persist within Citibank 's flawed system. It has become an intolerable nuisance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10038
Submitted Via: Web
Date Sent: 2024-02-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-24
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Amounts of charges were {$1400.00} and {$730.00} made on a citi card on XX/XX/24 that were not made by me at XXXX. Both credit card company and XXXX were notified of issue. Card was cancelled and XXXX cancelled reservations and had a name of person that reserved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10310
Submitted Via: Web
Date Sent: 2024-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-24
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Made payment on XX/XX/XXXX in and amount of {$41.00} and received confirmation number from customer service. I have had problems with this company in the past for the very same reason. Two ( 2 ) weeks ago I was contacted by Citi that the payment wasn't made. I gave them the confirmation number and they said that the account from XXXX XXXXXXXX XXXX had insufficient fund. In XXXX XXXX XXXXXXXX, I changed banks to XXXX XXXX and notified them immediately and have made monthly payments since that time. For some reason they can not understand this information in spite of my repeating the above-mentioned information several times in the past 2 weeks to include 4 phone calls from them today. I'm exhausted with them and have cut up my Citi Bank credit card and will continue to make timely, monthly payments minus the ridiculous late fees they have added. I truly don't understand why they don't understand that people change banks. I also don't know how times I am expected to tell them about the confirmation number for the XXXX payment and continue to give them the new bank name of XXXX XXXX while they are trying to get money from XXXX XXXXXXXX XXXX which I told them I closed in XXXX of last year. Thank you for any assistance you can give me. I am blocking their phone number and email because I don't know how many more times I can explain this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 166XX
Submitted Via: Web
Date Sent: 2024-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-24
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I was a victim of fraud from 2 data breaches at XXXX XXXX XXXX in XXXX and XXXX of 2023. Several applications for credit cards were submitted in my name with different addresses to send the cards - XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX, THE HOME DEPOT, and more. Because I already had credit cards with these companies, none were issued to the fraudulent applicant EXCEPT THE HOME DEPOT. Despite already having a XXXX Credit Card, Home Depot doubled my credit limit and sent a card to another address than the one they have for me. Someone in XXXX, XXXX miles away from my own address, charged {$830.00} on this fraudulent card. I did not drive to XXXX and did not charge anything at Home Depot since purchasing my XXXX XXXX, ON-LINE, over a year ago. I am a renter, and all repairs and upgrades to my apartment unit are handled by my landlord. Despite filing a complaint with the Home Depot, XXXX, and XXXX, Home Depot 's " investigation '' determined that I made the fraudulent application for a card I already had, drove XXXX miles to the Home Depot in XXXX, bought {$830.00} of things I never buy at Home Depot, and that although I already had a Home Depot card, I applied for another one fraudulently. If you look at my credit report, you would see all the fraudulent applications made in my name at the end of last year after the data breaches of a medical group of which I was a member. You will also see that all those applications were denied by the creditors because I already had a credit card with those institutions. Home Depot should also have denied that credit card because I already had one, and the new application had a different address than my own.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90034
Submitted Via: Web
Date Sent: 2024-02-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-24
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Bestbuy/CBNA is reporting 4 wrong late payments in my credit report, so this is a mistake that is affecting me get a new credit or other financial products ... these late payments was on XXXX, XXXX, XXXX, XX/XX/2020, ,I formally request that the following inaccurate items be immediately investigated. They must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act ( FCRA ) ,15 USC section 1681i, I will expect you to complete the verification within 30 ( thirty ) days.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33168
Submitted Via: Web
Date Sent: 2024-02-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-24
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I was stuck at work XXXX my son was the last kid to leave school that day.. Citibank blocked my account said multiple suspicious activity was going on my account nobody contacted me or emailed me or asked me for proof nothing just hold my money and work check from XXXX to XX/XX/XXXX they were taking money out of my account without my acknowledgement nor did I give permission to do so we now in the end of XXXX me and my son are homeless and sometimes no food to eat for the day because of this they failed to tell me the reason but tell strangers my personal information about my account and they hung up on me refusing me a supervisor at this point I feel like thats very XXXX behavior especially when a business cant show you proof of something they are holding my money XXXX for is ridiculous and now we going in XXXX yet no one contacted me about this matter
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33971
Submitted Via: Web
Date Sent: 2024-02-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-25
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I am just trying to limit the amount of calls receive from my phone number. I prefer written communication for settlement of debt.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 338XX
Submitted Via: Web
Date Sent: 2024-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A