Date Received: 2023-09-28
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 examined my Consumer Reports and observed that there are two instances of delayed payments on an account for which I have a consistent history of making timely payments. Consumer Reporting Agencies play a crucial role and carry the responsibility of accurately reporting consumer information to the highest degree of accuracy. I want to clarify that I have always made my payments on time for the following account : CBNA/BEST BUY : # XXXX. Also, I spoke with the creditor and they also confirmed I was not late specifically on XX/XX/XXXX, XX/XX/XXXX. I kindly request that you conduct an investigation into these reported late payments and provide supporting evidence in the form of statements indicating the specific instances of lateness. In the event that concrete proof can not be furnished, I insist that these payments be rectified and updated to reflect their true status as 'on time, ' as I can affirmatively state that I have never made late payments. REFERENCE PAYMENT CONFIRMATION XX/XX/XXXX : XXXX REFERENCE PAYMENT CONFIRMATION XX/XX/XXXX : XXXX I kindly request that you conduct an investigation into these reported late payments and provide supporting evidence in the form of statements indicating the specific instances of lateness. In the event that concrete proof can not be furnished, I insist that these payments be rectified and updated to reflect their true status as 'on time, ' as I can affirmatively state that I have never made late payments. Again please resolve this by removing all late payments reporting on my consumer report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33404
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: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Citi bank is reporting fraudulent information to the credit bureau in the name of my business XXXX XXXX XXXX. I have an account with them never received the card as I was a victim of identity theft. I sent a police report by fax to them XX/XX/XXXX between XXXX. I never received a response by mail, phone or email. I called to find out that they deemed the account as not fraudulent. However they filed to do a physical as well as digital investigation. They didnt check or receive camera footage from the home depot locations that were visited fraudulently. Nor did they receive any signatures ink or electronic for professional handwriting analysis. They are solely going off stolen information/ ip addresses that can be duplicated by devices sold on XXXX XXXX My credit has suffered tremendously and its hindered my small business from being successful as it should. Which is causing me stress. I requested the evidence by mail phone or email of how theyve come to this conclusion. This has been an ongoing matter for months
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30034
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: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I examined my Consumer Reports and observed that there are two instances of delayed payments on an account for which I have a consistent history of making timely payments. Consumer Reporting Agencies play a crucial role and carry the responsibility of accurately reporting consumer information to the highest degree of accuracy. I want to clarify that I have always made my payments on time for the following account : CBNA/BEST BUY : # XXXX. Also, I spoke with the creditor and they also confirmed I was not late specifically on XX/XX/XXXX, XX/XX/XXXX. I kindly request that you conduct an investigation into these reported late payments and provide supporting evidence in the form of statements indicating the specific instances of lateness. In the event that concrete proof can not be furnished, I insist that these payments be rectified and updated to reflect their true status as 'on time, ' as I can affirmatively state that I have never made late payments. REFERENCE PAYMENT CONFIRMATION XX/XX/XXXXXXXX : XXXX REFERENCE PAYMENT CONFIRMATION XX/XX/XXXXXXXX : XXXX I kindly request that you conduct an investigation into these reported late payments and provide supporting evidence in the form of statements indicating the specific instances of lateness. In the event that concrete proof can not be furnished, I insist that these payments be rectified and updated to reflect their true status as 'on time, ' as I can affirmatively state that I have never made late payments. Again please resolve this by removing all late payments reporting on my consumer report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33404
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: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: My shell XXXX card was charged for gas or miscellaneous that i did not purchase. XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX I realized this when checking my statement that the gas was more than my tank would allow and checking further it was taken in XXXX XXXX I called Shell to resolve the issue, but to no avail. They said I had similar previous charges on my card. So after further investigation I found more fraudulent charges, but I had already paid them and because of autopay I didn't even know. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Now every month they are charging me XXXX late fee and interest on charges that are not mine. I called a XXXX times and they put me on hold then then hangup I am getting nowhere.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 341XX
Submitted Via: Web
Date Sent: 2023-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-01
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Citibank refuses to apply XXXX benefits to my account. I am a covered borrowed according to XXXX guidelines, as I am an XXXX XXXX member of the armed forces. Application of XXXX was requested 3 times via email, each was accompanied by proof of XXXX XXXX status. Each email was addressed by Citibank via a letter that stated I was not a covered borrowed at the time the account was opened, which is an incorrect statement. Finally, I called the credit card issuer, and the only explanation I was provided was connection to a recorded line explaining again that I was not a covered borrower at the time the account was opened. I was and continue to assert that I am a covered borrowed under XXXX, both now and at the time of account opening, and Citibank refuses to recognize it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 535XX
Submitted Via: Web
Date Sent: 2023-10-01
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: The company closed my account told me that I would receive my check from the account after 60 days they never mailed the check they gave me the run around for months they also didnt tell me that I couldve closed my account until it was to late all my money is gone and they wont give me no information. They investigated me 3 times or they used the word verified my checks XXXX and on the last time they closed it this put my company behind and Ive basically lost a contract due to the profiling.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90002
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 transaction problem
Subissue:
Consumer Complaint: On XX/XX/XXXX a wire trace, and then a wire recall was sent to Citi Bank. The Recall Ref # XXXX Citi Bank is the intermediary bank that sent the final transmission of the original wire to XXXX XXXX XXXX XXXX : XXXX Transaction Amt : {$23000.00} Original Transaction Date : XX/XX/XXXX Wire Trans Reference # : XXXX XXXX XXXX XXXX Truist sent the wire to Bank of XXXX , then XXXX XXXX XXXXXXXX sent the wire to Citi Bank , then Citi Bank claims to have sent the wire to XXXX XXXX XXXX says they do not see a wire and they do not see a wire recall. Citi Bank needs to provide the information on the final transmission sent to XXXX XXXX. Citi Bank should provide exactly where the transmission was sent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21804
Submitted Via: Web
Date Sent: 2023-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-01
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: I had a balance transfer offer that expired XX/XX/XXXX ( XXXX ). My bill is due the XXXX of every month. On XX/XX/XXXX I called Citi Bank and spoke to customer service because I wanted to make sure I paid the correct amount, which would include the minimum amount due, the balance of XXXX XXXX, and any interest it has accrued from the expiration date of XX/XX/XXXX. The customer service representative told me the minimum amount due was {$230.00}, the balance on XXXX 5 was {$4900.00} and it had accrued {$24.00} in interest from XX/XX/XXXX. He told me I had to pay {$5100.00}. I made a payment of {$5200.00} on XX/XX/XXXX. When I looked at my statement that ended XX/XX/XXXX, I realized that the payment had not applied correctly and I called customer service. I spoke to a supervisor " XXXX '' and she told me she would be emailing the back-end team to have this resolved. She also credited the interest from XX/XX/XXXX {$28.00} and XX/XX/XXXX {$77.00}. When I looked at the statement that ended XX/XX/XXXX, I realized that the payment still had not been applied correctly. I called customer service. I spoke to a supervisor " XXXX ''. He assured me he would fix the issue. He told me that " XXXX '' had ot emailed the correct people. He told me he was emailing the back-end team and that it would be resolved in 3-5 days. He refunded the interest from XX/XX/XXXX {$69.00}. I looked today, XX/XX/XXXX, because I wanted to make a payment for this month. The statement ending XX/XX/XXXX, still has not been corrected. I called customer services again and spoke to a supervisor XXXX. XXXX told me that the back-end team refused to fixed how the payment from XX/XX/XXXX, was applied. XXXX told me that the customer service person I spoke to on XX/XX/XXXX, was wrong and he should have told me I had to wait until after XX/XX/XXXX ( after the bill closed ) to make the payment. If I had waited to make my payment until after the bill closed, it would have been applied to XXXX XXXX. I asked him for this policy in writing, and he told me that Citi does not have the policy in writing, " that is just how it is ''. He told me that he was going to email the back-end office again and explain that the customer service person from XX/XX/XXXX, gave me the wrong information. He also refunded the interest of XX/XX/XXXX, {$67.00}, and XX/XX/XXXX, {$66.00}. If I would have waited to pay my bill until after it closed, I would have been making a late payment and would have been charged {$30.00} late fee. XXXX XXXX had already accused {$24.00} in interest and it would have accrued 4 mores days of interest at 17.99 % interest. That is not only unfair but inappropriate. This is the second time that CitiBank customer service has given me incorrect information regarding payments and interest rates. Because of this this is the second time I have had to make a complaint to CFPB regarding CitiBank. Thank you for your help. I can be reached by email : XXXX or cell phone XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2023-10-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-01
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: As a person, I have worked really hard to keep my credit score up because I care a lot about it. But on my XXXX it says that I have a hard inquiry from XXXX XXXXXXXX XXXX for applying for a new credit line when I asked for grants. This is their number ( XXXX ) XXXX. I do recall giving them my social security number so they may have put incorrect information to provide me with funds via a credit line. Please take it off my hard inquiry. It took about XXXX points from my credit score for XXXX. I really love the credit line I have currently with my bank, XXXX XXXX XXXXXXXX, and nothing else. The second and third hard inquiry I am trying to dispute is from XXXX, for CITIBANK NA, Best on XX/XX/XXXX. Don't ever recall talking to them or to XXXX XXXX XXXX XX/XX/XXXX. This cost me XXXX points from XXXX. I'd appreciate it if you do a background check, punish these banks for incorrect information, and take out all those hard inquiries as well as add back the XXXX and XXXX points initially deducted. Thanks
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 767XX
Submitted Via: Web
Date Sent: 2023-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-01
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of identity theft and someone used my personal information to obtain these fraudulent accounts in my name without my consent. I did not benefit from any goods or services of these fraudulent accounts. I am requesting for these fraudulent accounts to be removed and deleted immediately or legal actions will be taken. I have included my police report and FTC Identity Theft report to this correspondence.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30305
Submitted Via: Web
Date Sent: 2023-10-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A