Date Received: 2023-10-05
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. XXXX, XXXX. XXXX was reflected as a late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91030
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
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 made payment to an electrical contractor on XX/XX/XXXX for a service scheduled for XX/XX/XXXX. The payment was through a credit card with CitiBank. I cancelled the service on XX/XX/XXXX, because I was concerned about some bad reviews on the contractor 's XXXX XXXX. I never received any service from the contractor so I was expecting my refund which was never sent to me. To get my money back, I filed a dispute to Citi on XX/XX/XXXX regarding this transaction. I explained to CitiBank that I never received any service and the merchant was a fraud, and I provided details of this transaction including the date I made payment and when I cancelled it. It took CitiBank almost 2 months for the investigation, and on XX/XX/XXXX CitiBank got back to me saying that the merchant did not want to issue refund so Citi was unable to reverse the transaction. Till this time, other than the letter from Citi say " we are unable to reverse the transaction because the merchant is unwilling to '', I have not received any materials or documents that demonstrate that Citi did conduct the investigation. From all my communications with Citi, it gives me a feeling that Citi is reluctant when it come to investigating a dispute, and that Citi is sided with the fraud merchant. I don't know how Citi credit card customers are protected against fraud activities.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98011
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: My Citibank account XXXX has been locked for months now due to a fraud Alert. I have called Citibank customer service to clear this alert several times from my phone number on file. XXXX. Citibank said they sent a verification code to my phone number but i never received it. Then when i asked them to resend the code they said my phone number isnt verified in the system and asked me if i had another number, which i dont. They also said they mailed me a reference number to my address on file yet i never received it. I even visited the branch with my ID and they didnt unlock it. This is absolutely ridiculous. I need my account access restored immediately, i still have my debit card in my possession. No one else has access to my account. I have already verified that all transactions and account activity was made by me! Please unlock my account immediately and clear the fraud alert so that i can use my account again. XXXX XXXX Ssn : XXXX DOB : XX/XX/XXXX Phone : XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90019
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX reporting fraudulent activity on my account. I never had XXXX XXXX. I was a victim of identity theft and they are constantly reporting fraudulent activity. I asked for proof and they have yet to respond.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48038
Submitted Via: Web
Date Sent: 2023-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: I am a huge XXXX XXXX consumer. I love the store. I have their close loop store credit card that I use weekly. I signed in to pay my monthly credit amount. The store card showed I had a XXXX balance, which I knew was not accurate. It took me a while to figure out that there was a drop-down arrow. When I clicked on it I could see a Visa account that showed my balance on it. I do now have a XXXX XXXX XXXX. I have declined every time the cashier has asked me to open one. I have worked very hard to keep my spending in check and keep my credit score high. I do not want another Visa. But there was a Visa account in my name with a balance on it. To make matters worse, I clicked on it to pay it and a big XXXX XXXX came up that said I have NO MINIMUM AMOUNT DUE. I am furious. The interest rate, like all credit cards, is high and I would have fallen for this. I called Citi Bank to discuss this and got nowhere. They said I was sent a letter saying this was going to happen. I never received such a letter. And I was never sent a card ... which is even weirder. It shows xxxxxxx on the online statement account so I can't even provide you my account number as requested on the next page of this complaint. I hope you can look into this. Seems very sketchy.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 483XX
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I have two collection accounts on my report from two different companies with different and incorrect information on both accounts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 296XX
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-29
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 have sent Macy 's a letter disputing this charge and they are ignoring my request and continuing to bill me for the {$58.00} and now adding late fees to the original amount. There was never an explanation for the original amount. Macys , Inc. XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX Dear Sir or Madam, I am disputing a charge on my XX/XX/2023 statement in the amount of {$58.00}. I talked to one of your agents on the phone on XX/XX/XXXX, and she explained that the charge is for the discount of {$58.00} I received when I purchased luggage for {$290.00}. I returned the luggage to the XXXX XXXX XXXX and was reimbursed for {$290.00}. I should have received credit for {$58.00} as I returned the luggage. I did not keep the luggage and never used it. I did keep and pay for the other purchases I made on my first day with that new credit card. The bill I received in XXXX shows a previous balance of {$460.00}, payment of {$170.00}, credit of {$290.00}, and purchases or other debits of {$58.00}. My records and receipts do not explain the purchases or other debits in the amount of {$58.00}. I notified your billing department in XXXX that I was disputing the original charge of {$58.00}, but your billing department has neither acknowledged my questioning the {$58.00} nor relented in attempting to collect this amount, without explanation. I have been advised that I should contact the Consumer Financial Protection Bureau if you continue to attempt to collect this amount. Please explain the reason why you are demanding payment for a discount when I returned the luggage unused and with tags still on the luggage only a few days after my purchase. As a result of my phone call to Macys Customer Service on XX/XX/XXXX, my account has been credited for a late fee of {$30.00} plus an additional fee of {$2.00}, but I have received nothing, neither goods nor services, for the {$58.00}. I would greatly appreciate a note from your business acknowledging the dispute over this amount and expunging {$58.00} from my account. Sincerely,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 223XX
Submitted Via: Web
Date Sent: 2023-09-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-29
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: To whom it may concern. I have been a long time customer from macys. I never had any issues. Recently I ordered todler clothes. I con an email saying it's delivered at my mail box. Upon checking I didn't receive anything. I tried to resolve this with macys they dismissed me by saying there's nothing we can do. Your responsibility is to pay. Pay for something i.never received. It's unbelievable I need help please I'm sure this isn't legal.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92583
Submitted Via: Web
Date Sent: 2023-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-29
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I am writing to report a serious issue regarding my Citibank account. I recently experienced unauthorized transactions on my account during a vacation in XXXX XXXX, and I am deeply concerned about the security of my account. On XX/XX/2023, I received an email notification from Citibank confirming that a check was deposited into my account. Concerned about the unusual activity, I immediately contacted Citibank 's customer support to inform them that I did not authorize this deposit, nor did my authorized user. Citibank 's representative informed me that they had placed a fraud alert on my account, which was reassuring at the time. However, the situation escalated rapidly. Within a matter of hours, several additional checks were deposited into my account, and the funds were subsequently transferred via XXXX and XXXX XXXX to various individuals, none of whom I authorized to access my account or my funds. In response to this alarming turn of events, I took the following actions : Filed a formal report with the local police department to document the fraudulent activity. Submitted a complaint to the Federal Trade Commission ( FTC ) to report the incident and seek their assistance. Informed Citibank of the situation, providing them with all available details and documentation. The issue has not been resolved and it is causing a hardship.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 61832
Submitted Via: Web
Date Sent: 2023-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-29
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: To Whom It XXXX Concern, I am writing to dispute the charge-off entry listed on my credit report. The basis for this dispute arises from the fact that I have not received a XXXX XXXX ( Cancellation of Debt ) as required by federal tax law. According to the Internal Revenue Service ( IRS ) regulations, a creditor is obligated to issue a Form XXXX to the debtor following the cancellation of a debt exceeding {$600.00}, as per Section XXXX of the Internal Revenue Code. This form serves as a critical document for tax reporting purposes. Details of the disputed item : Creditors Name : XXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/XXXX Creditors Name : Best Buy/ CBNA XXXXt Number : XXXX Date of Charge-Off : XX/XX/XXXX Creditors Name : XXXXXXXX XXXX XXXX Account XXXX Date of Charge-Off : XX/XX/XXXX Creditors Name : XXXX XXXX XXXX Account XXXX Date of Charge-Off : XX/XX/XXXX To comply with both IRS regulations and my rights as a consumer, I kindly request the following actions : 1 . Investigate the presence of a Form XXXX issued by the Creditor for the debt in question. 2. Verify whether the charge-off entry on my credit report was indeed accompanied by the issuance of Form XXXX. 3. Confirm whether the issuance of the Form XXXX was executed in accordance with the IRS regulations XXXX as required by law. I am determined to ensure the accuracy and completeness of my credit report, as well as to fulfill my legal obligations regarding any tax implications arising from the cancellation of debt. In accordance with the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 2 ), I request the prompt removal of the charge-off entry from my credit report should it be determined that the issuance of Form XXXX was not compliant with the IRS regulations. Furthermore, I reserve my rights under both the FCRA and the IRS regulations to address any discrepancies or violations in accordance with applicable laws. I trust that you will handle this dispute diligently and in strict adherence to the law. Please provide written verification of the results of your investigation within the prescribed timeframe as stipulated by FCRA Section 611 ( a ) ( 8 ). Sincerely,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08046
Submitted Via: Web
Date Sent: 2023-09-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A