Date Received: 2023-09-28
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Request for XXXX XXXX and all data filed with every credit reporting agency. I have significant claims for willful FCRA violations. While I have numerous paper copies of my credit reports from XXXX, XXXX XXXX and XXXX ( CRAs ), such reports are just a snapshot in time without any detailed activity or changes over time. I have made extensive direct disputes and indirect disputes through the CRAs. I need you to provide me with each and every submission that you have made to every crefit report agency including the XXXX CRAs for the last 2 years. I need every submission, including monthly data reported and off cycle interim data reported which document every point of data reported on your XXXX XXXX submissions. I need the raw XXXX XXXX data submitted with an easy to read coding for all data submissions. I need each and every change on my report at any point of time, which would include dates dispute or other codes were added, changed or removed. Moreover, I need the entire communication of every dispute investigation or other request submitted to you by the CRAs so I can compare it against my written disputes. Obviously, your reply to indirect disputes is required to be noted as a Data submission. I need to analyze the 360+ data points for every XXXX XXXX submission to compare against paper credit reports for accuracy, completeness and XXXX XXXX and FCRA compliance. I also need a compressive detail of every step taken to address each and every direct or indirect dispute that you have received including verbal, written or otherwise filed in CFPB submissions in its portal. I need all data which should be simple due to its computerization.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32836
Submitted Via: Web
Date Sent: 2023-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-28
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I am the XXXX of the XXXX of XXXX XXXX, who died in XXXX of XXXX. Upon notifying Citi Retirement Plan Services of the death and providing them with a Death Certificate they sent me a package of documents to submit in order to obtain an immediate lump sum distribution of the Individual Retirement Account. Upon the Court 's issuance of a Decree appointing me XXXX, I fully submitted the package replete with Govt-issued ID, Copy of Utility Bill, W-9, SS5, Original Letter of Administration XXXX and fully completed Beneficiary Authorization Form. Citi NEVER confirmed receipt of the submission and I was forced to make several phone calls to XXXX to obtain confirmation of full receipt of the XXXX package. On or about XX/XX/XXXX, I again phoned Citi Retirement to ascertain why the proceeds were not paid and was told that a letter had been sent to me on XX/XX/XXXX explaining that Citi had changed the name of the entity handling the XXXX process and that I needed to execute a newer form despite the fact that I had executed the entire package that was initially sent to me by Citi. By letter date XX/XX/XXXX, XXXX now informs me that I need to open a " simplified banking account, '' which makes no sense and has sent me a package of the very same firms that I already returned. When I phoned Citi today, I was told that there are now two reference numbers, that no one could help me and I needed to await a call from Retirement Plan Services. I have been told to expect such a call before but it never came. I can't get any explanation of why I would need to open a bank account in my own name at Citi in order to obtain a Lump Sum Distribution of the Traditional IRA, and it's all the more absurd because Citi 's " Beneficiary Authorization Form '' specifically because I filled out a Citibank " IRA and Roth IRA Withdrawal and Tax Withholding Election Form for Beneficiaries '' indicating per Citi 's document that " 6. Method of Payment " Mail check ( s ) to the recipient of funds listed in Section 2 above, '' which is in my name and fully completed as the " Legal Representative of Estate. '' Citi is illegally and wrongfully refusing to liquidate the IRA and send the proceeds as was requested according to all forms and requirements set forth by Citi. The Reference # XXXX appears on all pages of the documents sent to me by Citi and returned by me to Citi. You can't speak to anyone to resolve the issue because the telephone customer service rep has no authority to resolve any complaints and states that the policy is for the XXXX XXXX to call you back, which they never do.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10128
Submitted Via: Web
Date Sent: 2023-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-28
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: On XXXX XXXX, i called Citibank to transfer balance from my credit Union credit card account for {$5000.00}. Citibank said I could not make the transfer over the phone and I need to call the credit union. So I called my credit Union and made the transfer. But soon afterwards I realized this was not the correct- a payment should not be going to Citibank XXXX but a payment should have been coming from Citibank XXXX So I called my credit Union back to stop/cancel the balance transfer to Citibank, but credit Union said I had to call the member services department on Monday to cancel or reverse the balance transfer. And she assured me that the balance transfer would not be sent right away since it was the weekend. So I called Citibank back and asked again about the balance transfer and Citibank told me i couldn't make the transfer over the phone and had to make the transfer online thru their website. So I made the balance transfer online- {$5000.00} balance transfer to my Credit Union.. So I called my credit Union on Monday, XX/XX/XXXX, to cancel/stop or reverse the balance transfer to Citibank I requested in error. The manager at the credit union said ok, she would have the balance transfer stopped. But about three days later, I saw the balance transfer from the Credit Union posted to my Citibank account. My Credit Union did not stop the balance transfer transaction and did not notify me about my transfer. So I called the manager at Credit Union on Wednesday, XXXX XXXX, and asked her why she didn't cancel my balance transfer. The manager said she couldn't stop an electronic payment. So I said that she should have told me that from the beginning instead of having me believe she could stop it. The manager just apologized and said she didn't know she couldn't stop an electronic payment already in route. So I called Citibank and explained situation and requested they send back the {$5000.00} payment from Credit Union or send me a refund check for {$5000.00}. ( my balance at Citibank was only {$35.00} when they received the {$5000.00} payment from Credit Union ) They said they would investigate and send me a refund, but I received a letter from Citibank on Wednesday, XX/XX/XXXX stating that I'm not receiving a refund. I called Citibank again today, XXXX XXXX requesting again the {$5000.00} payment and asking why the letter i received from them denied my refund request. Citibank stated they would investigate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38109
Submitted Via: Web
Date Sent: 2023-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-28
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I opened an AA Citi Advantage Credit Card to gain the promotional value for a flight I was booking that day. I was told I would receive a temporary card number so that I could use my card immediately. I never received the temporary number via email and I didnt see it on my screen when it supposedly displays. When I called and spoke to 10 different people who bounced me around from Citi dept to dept, I was it would be emailed within 24 hours. I never received it, so I called again the next morning and spoke with a supervisor who said those people were incorrect and that I just had to wait for the credit card to arrive. I said it is false advertising if you are telling people they can use the card immediately to book the flight but cant. I said now I just have a credit card opened and can not book my flight or use the promotional advertised rate. I was hung up then by that supervisor who said he could only close the account for me, without even trying to resolve my problem. I asked for one of 3 solutions : to generate and resend the temporary card number, give me the actual credit card account number as the account has been created, or credit me in the amount that the flight will surely go up with another 10 days as it is a XXXX flight in the amount of {$200.00}. The supervisor told me they could do nothing to remedy my problem but close the account after I provided MY personal information, like SS #. I said you have my personal information, I am giving it to you, so I would like the account number and I was just hung up on.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45150
Submitted Via: Web
Date Sent: 2023-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-30
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: 1 ) I am unable to review my application. I believe any denial should rightfully attach what was specifically denied. Essentially I was reviewed based upon income and credit credits credit already established. I would like to make sure these figures are correctly posted so I can verify if any information is inaccurate. I was unable to see this even with a password protected denial thus only generic information exists as if it is a concern for the consumer credit bureau. I would need to verify full info and specifics when comparing to any outside information. 2 ) I might have input a monthly income total instead of yearly total income on the application. I am unable to verify as to correct or refile a new application or appeal. 3 ) Based on the application that this is generic in nature. If denied I should be able to appeal as to showcase the net worth of myself as to show that I have the ability to pay. Lack of net worth is discriminatory in-nature because it relies on income rather than recognize a person could have received a lump sum payment for government assistance or already has money saved thus has the ability to pay. Income is discriminatory in nature because the application is generic such does not recognize where the income is derived from as more secure than income received from an employer if received from the federal government and also one can not be considered unemployed if receiving certain type of benefits from the government. Thus these factors were not weighed as discriminatory to provide generic income understandings on the application not pegged to a certain reason of where the income is coming from. 4 ) The credit application is discriminatory in nature where they showcase income but do not recognize the income as if it pertains to a person receiving government assistance income or like SSA income. I believe other credit cards require you to disclose employment status or government assistance program supplying income and this application is quite generic and did not allow understandings of where the income is coming from. 5 ) I do have a chase account with benefits. Because Good Year Credit card application is mainly a website application rather than offer perks of phone app application that I believe Good Year is recognizing benefits are similar and does not want to provide a credit card where my credit score is good and I have been paying off all credit card debt responsibly thus good year credit card perks are for 6 months deferral of payment thus I believe it is discriminatory to recognize credit card debt as if I am not paying this off correctly as to have a good credit score with the debt obligation thus good year does not want to supply credit card perks of payment deferral because I might be receiving perks on the other credit car which I am successfully paying off thus wrongfully assumes I do not deserve this credit card and perks until I paid off the full debt which is discriminatory in-nature because credit cards compete on XXXX XXXX and that if I have been receiving XXXX XXXX for quite some time that thus credit card application exploits this perk as if I have not been accruing income or have a higher net worth to pay off the debt thus XXXX XXXX is a discriminatory factor among obtaining new credit cards because good year allows 6 month deferral at the XXXX XXXX rate essentially such I would have the ability to pay off debt per my income and net worth or cash readily available as part of my net worth. XXXX XXXX credit card applications thus are discriminatory to recognize any debt obligations are per other perks of credit card which does not showcase that I am unable to pay the credit card correctly but only showcases that payment is not due immediately thus a debt obligation on a XXXX XXXX credit card is discriminatory because I do not have an obligation to pay immediately thus good will would accrue because I was accepted by a competition credit card company to allow XXXX XXXX for longer than XXXX year thus compared to a year of XXXX XXXX that any obligation is quite low but I did not see any specifics noted on these denial thus is discriminatory because good will is achieved by have XXXX XXXX and good credit score as to pay only a required monthly payment. Thus good year discriminates against those who have good credit and good credit terms of XXXX XXXX because a debt obligation does not exist as if I need to pay immediately as to be in jeopardy but is a sign of good will that I am paying off the debt correctly with a XXXX XXXX credit card and that if a XXXX XXXX is ending that it would be appropriate to try good year at their XXXX XXXX and recognize my debt obligation with the previous credit card will be cleared once payment is required to be made after the XXXX XXXX ends per the credit agreement. Thus good year is discriminatory as to showcase a generic credit card application as to entrap their victims with a 6 month XXXX XXXX but fail to recognize the debt obligation is essentially covered and is not a concern for poor credit but excellent credit because the terms allows XXXX XXXX to exist thus without a required payment necessary that debt obligation does not truly exist as if I am missing any payments or paying late. I believed this was an I correct denial to boost their credit reputation against competition thus perks should only be received at XXXX credit card line rather than recognizing that I can transfer to a XXXX XXXX credit card upon a XXXX credit XXXX credit card ending. The former credit card did not allow a renewal of XXXX XXXX thus I can transfer to a new credit card without worry about credit card obligation because the due date shows that I am not required to pay but I am continuously paying off the credit card either way. The denial was too simple and discriminatory as a concern for a generic application to only allow XXXX XXXX for those who do not already have XXXX XXXX as to showcase no debt in most cases owed to a credit card which is also anticompetitive because XXXX XXXX is a staple or marketing ploy that allows a person to sign up but can essentially take on a new credit card upon XXXX XXXX ending even though debt is still not obligated to be paid in full as to transfer to a new credit card without need to transfer debt to the new credit card. Thus a Chase credit card allows a long term XXXX XXXX thus good year will void credit card applications incorrectly as to show bad will upon other competitors offering XXXX XXXX as well and that the debt obligation is not truly owed until payment is due thus credit score is still good which was clearly not reflected with the debt of this credit card that this is good debt not bad debt regardless of how much debt a person has because the debt does not exist until it is required to be paid thus monthly debt is nit required by the chase credit card on a XXXX XXXX plan thus I should not be having bad will or bad faith understandings if good year is exploiting the XXXX XXXX understanding as to require me to pay off the debt in full before receiving a new credit card with the previous credit card company. Discriminatory in nature because it is responsible to sign up for XXXX XXXX thus debt is not accounted for correctly if debt obligations are still under a XXXX XXXX plan where the monthly requirement is not an obligation at all and thus should not be a detriment to my credit quality or score as to not be required to pay and any insinuations of having to pay off the debt before receiving a new credit card for like XXXX XXXX terms is discriminatory in nature as XXXX XXXX is exploited to deny credit card applications wrongfully. Denied on XX/XX/2023
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60073
Submitted Via: Web
Date Sent: 2023-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-30
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I received a letter from Citi bank ( image of letter is attached to this complaint ) Stating the they were pleased to tell me that my " provisionL credit will be permanent " I never received any form of pay or added funds, less any provisional credit and now the dispute being resolved and closed and in my favor, THEY NEVER ADDED THE FUNDS to my account Not as a provisional credit nor now that it is resolved and closed ( DO NOT SEND ME A LETTER CLOSING MY CASE STATING SOMEONE ELSE MUST BE DOING THIS OTHER THAN MYSELF, what in the world is that!?!??! ) I AM XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33055
Submitted Via: Web
Date Sent: 2023-09-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-30
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I applied for, and received, a Citi XXXX XXXX AAdvantage credit card earlier this year for use while traveling in XXXX from XXXX. I was fully aware at this time of a high interest rate ( 29.99 % ). The card was approved with a {$10000.00} credit line. I used this card primarily to earn airline miles. Twice during the XXXX, I moved most of the balance to a lower-interest card already in my possession. My intent was always to try to negotiate a lower interest rate with Citi upon my return home, with a demonstrated track record of on time payments. My payments were close to the minimum payment while traveling merely to preserve cash for use on my trip. This past week I contacted Citi first by chat and then by telephone to try to negotiate a lower rate. AT NO TIME DID I TELL OR WOULD HAVE TOLD CITI I WAS EXPERIENCING FINANCIAL HARDSHIP. The responses I received twice were that " there is no lower rate available for this product. '' I was not happy and I ended the second call having expressed that sentiment. Today, out of the blue, I received an email from Citi telling me that based on a review of my credit history with XXXX that they lowered my credit limit to slightly above my balance. Within the past month I have received two credit limit increases on other cards and my income increased this year. I reviewed my own XXXX report and there is absolutely nothing that should have triggered an automatic credit line decrease. Citi makes it clear in their email that they will not provide further information. Given the facts I have stated above, I believe this decision was punitive and based solely on my request for an interest rate decrease. I don't particularly care the limit on my ability to use the card : I had already decided to make it a priority to pay off my residual balance from travel and stop using the card based on their refusal to negotiate the interest rate. It is punitive because it is solely intended to cause a drop in my credit score by negatively altering my debt-to-income ratio. Citi is engaging in predatory lending and account review practices and I believe it is high time for this agency and any other relevant agencies to take action. They will not hurt me significantly for now since I have no intention of seeking credit for major purchases or additional travel. I had no intention of publicly complaining about them until they retaliated against me but I will complain loudly and frequently to anyone willing to listen. I am attaching the letter I received today and note that the credit line decrease is reflected in my online account. I do not have transcripts of the phone conversations or chat interaction. In both cases, I asked Citi to document my displeasure, but have no idea that they actually complied.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 151XX
Submitted Via: Web
Date Sent: 2023-09-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-28
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I have a Citi XXXX XXXX XXXX Credit Card. I recently upgraded to a new XXXX and tried adding the Card to my Mobile Wallet, but got an error that said " Card Not Added, Contact your card issuer ''. On Monday XXXX XXXX I called, got transferred 5 times and they told me there was an error in the system and I should call back in 4 hours. I called back and after being transferred 5 times again, verified my info 5 times, they told me that my account was flagged for fraud and they cleared it on the phone and told me to wait XXXX minutes and add the card to XXXX XXXX. I waited, tried but same issue. I called on Tuesday, got transferred 6 times, verified identity each time and the rep told me that my account was again flagged for Fraud and they cleared it and to red again. I tried again, still same error. Now Im getting furious because tis should take me 30 seconds to add my card but all im having is issues and frustrating conversations with Citibank reps. All my other cards, XXXX, XXXX, have been added no problem. I called back on Wednesday, transferred for 10 minutes, verified my info each time, and then the rep " XXXX '' puts me on hold for 15 minutes and tell me that my account is flagged for fraud and they can not clear it over the phone, They have to send me a letter in the mail that I will fill out and until I send it my account is locked. XXXX!!!!!!!!!!!!! Are you guys serious? I asked why does my account keep getting flagged and he said because I keep trying to add my card to my mobile wallet. THAT MAKES NO SENSE! The Citibank reps keep telling me to try again and it keeps thinking it's Fraud. If someone from the corporate office doesn't call me and fix this before I get this letter, then I WILL CLOSE MY ACCOUNT WITH CITI, AND MAKE SURE MY FRIENDS AND FAMILY DO THE SAME. THIS IS RIDICULOUS AND UTTERLY DISGUSTING SERVICE. There's a reason I have 5 XXXXXXXX XXXX and XXXX XXXXiti card. So frustrating for no reason. FIX THIS ISSUE!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 182XX
Submitted Via: Web
Date Sent: 2023-09-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-30
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: On XXXX, Okay, so here 's what's going on with this situation. I am currently on XXXX, and I receive checks every XXXX weeks from them. Once I receive the check by mail. I then go and deposit the check into my checking account at Citi bank. After I deposit the check, I am not able to get the money until next day. XXXX is their policy when it comes to state XXXX checks. Okay, so the next day I go, and the check was not cleared yet. I called the XXXX number to speak to an agent and after they looked into it. The only answer that was given to me at the time was that it looked like the check was not a real check. So, I said to myself, how is this so if it came from the state. They made it seem like from their end that someone had deposited a check into the account, but it wasn't cleared but the funds were given to me anyway. I got another check from state XXXX in the amount of XXXX and funds were given to me because the check cleared again on the next day. I just received another state XXXX check and I was able to deposit it and again the funds were given to me because the check cleared. I looked at my account online the next day just to see and sure enough they had a block on my account. I go in to speak with a teller and she called whomever she needed to see what and why was my account blocked. The person who she spoke with on the phone from the Citibank team. Had her to ask me what I needed the money for and what bills did I pay from this money given to me. The teller tells me after speaking to whomever, that the check didn't look real, and it was fraudulent activity going on come to find out later on the next day. My name had been put on the fraudulent list which I had no clue about until I spoke to the manager at this branch. I am startled, disappointed in the way they handled things and treat their customers. They will be sending me out a letter explaining why they closed my account. I've been banking with them for 20 years and this has never happened before. I couldn't cash my check here, so I went to the check cashing place, and they charged me XXXX dollars. I will be getting another check from the state and i feel like this is going to happen again. Oh, I was also told by the manger to check back in a few more days to see if they have cleared my name form the fraudulent list. My address is XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX and the branch where I go is located on XXXX here in XXXX. Thank you and I look forward to hearing from you soon. XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94605
Submitted Via: Web
Date Sent: 2023-09-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-30
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: While reviewing my bank statement on XX/XX/2023, I discovered that XXXX XXXX XXXX used the Home Depot credit card to buy gift cards and items not utilized in the project without my authorization. XXXX XXXX did nothing correctly at the house and didn't repair things. I am providing evidence such as an inspection report made by an inspector with letterhead and an inspection letter explaining in detail line by line that the XXXX did not do or finish anything, or any other documentation supporting my claim. The only items that were utilized were the ones ordered online and picked up by XXXX XXXX. These orders are order # XXXX, # XXXX, # XXXX, # XXXX, ORDER # XXXX He spent {$1600.00} on items and gift cards that were not utilized at the project since he did not repair or do anything. I reached out and initiated a dispute for these charges and Home Depot Credit Card support said that the expense was on me since I was the one that gave him the credit card to use. I explained to them that I was a victim of a scam and unlawful business that did not deliver the service and I was willing to provide evidence that supported my claim but they did not provide any flexibility for me to present my documents and support the dispute. I told them that I thought they offered consumer protection under regulation E since I was tricked and induced to pay for material or services that were not delivered still they did not reimburse the {$1600.00} funds. XXXX XXXX has criminal records I found out everything after the facts and it is very unfair for XXXX XXXX not to give the chance to support my dispute by showing them public record that shows this XXXX has a criminal record for fencing and stealing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 076XX
Submitted Via: Web
Date Sent: 2023-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A