Date Received: 2023-09-29
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/XXXX I got a call from a Citi fraud rep advising me my debit card had been skimmed at a gas station and that the skimmer was using my card in Texas at a best buy. The rep then told me to log into my app and hit okay on a wire transfer so they could lock my account. I didnt realize that scam callers could spoof your banks number. Actual Citi reps have called me before and give them the verification code to make changes to my account before so i assumed this was what was going on since they also asked for the code. I filed a dispute with Citi but I got a letter today XX/XX/XXXX stating t hat since the wire came from my app they will not be refunding me the {$2800.00} that was taken out of my account. I did not benefit from this transaction at all and was actually scammed and now they are shutting down. Please assist
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 73521
Submitted Via: Web
Date Sent: 2023-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-29
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Macy 's Account XXXX has been incorrectly reporting inaccurate late payment with different months between XXXX and XXXX for ( 4 ) four years. Currently, the three credit bureaus are reporting the following late payment dates : XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, and XXXX - XX/XX/XXXX for one late payment. This gives a bad and irresponsible impression that I was late 3 different times. As per federal regulations, all claims must be a maximum possible accuracy and a maximum possible completeness and Macy 's does not meet this requirement and should be REMOVED AND UPATED to all three credit bureaus. I've disputed multiple claims electronically from the bureaus and sent a letter and Macy 's keeps denying my disputes, stating that its accurate. Today, XX/XX/XXXX, I've spoken to Macy 's and my dispute has been escalated to the " presidential level '', so I am waiting for their response. I also stated to them that this inaccurate reporting as caused harm to credit scores, credit opportunities, and high interest rates.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93036
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: 2023-09-30
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: My card account was closed and someone ordered a new card and has been running up the card. They changed my address and email information and phone number on my account. CITI Bank
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 79928
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: 2023-09-27
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Two payments of last statement balance were made to credit card via phone in error, one on XX/XX/2023, the other on XX/XX/2023. Statement balance was due XX/XX/2023. Online access is very confusing. Have been unable to find these payments. Payment via phone willingly accepted both payments. Recently called and spoke to an outsourced ( apparently ) representative who did absolutely nothing to help me. She could not provide that payments were made. Citibank credit card bombards you with offers for personal loans and to make purchases.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22043
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-25
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33634
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
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 filed a transaction dispute with CitiBank for the case where I returned the item to the merchant and the merchant did not refund the money back to my credit card. Citi Reference Number : XXXX for the dispute XXXX I opened with XXXX vendor in XX/XX/2023 for the amount of {$3900.00} despite. I have provided all required documentation to CitiBank that the device was returned within the return period in compliance with return policy. CitiBank did not even attempt to resolve the dispute and just informed me that the merchant is not willing to credit back the money to my credit card. CitiBank did not protect my rights as the client, disregarded all submitted proof and did not hold the merchant accountable for dishonest and fraudulent behavior!!!! It seems that no one at CitiBank even went through the documentation and relied on the merchant unwillingness to refund the money back, which is illegal as per the terms and conditions of the credit card! I request CitiBank to hold the merchant accountable and debit the full amount back to my credit card, which the bank should comply with.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 20105
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I did not authorize these companies to run credit, this is fraudulent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 218XX
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I previously submitted several disputes with XXXX regarding these inquiries, and after investigations, I received responses indicating that XXXX refused to remove the inquiries from my credit file. I am writing this letter to formally request the original documentation from the respective creditors that demonstrates my explicit permission for them to access my credit file. I believe it is essential for me to receive this documentation as it is my right to verify the legitimacy of these inquiries. Without this proof of authorization, I insist that these inquiries be promptly removed from my credit report, but XXXX consistently refuses to remove them and to provide me with documentation from the creditor. XXXX customer service representatives stated that they do not provide documentation from the creditors. I asked how they verify that what they are reporting is accurate, and I was told they rely on a response from the creditor stating it is valid but no documentation. They are violating my rights. As such, under 15 U.S. Code 1681i, Paragraph ( 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 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 promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60615
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I am a victim of a scam. I filed a police report and am attempting to help the police catch the people involved. I reported the fraudulent charges to Citibank and faxed the report to them as instructed. The bank denied the fraud and said there was nothing I could do about it. This was over the phone and the call was recorded.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92223
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
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 am writing to file a formal complaint against Citibank regarding their handling of a credit card dispute that has been ongoing for more than 1 month. Despite providing ample documentation and evidence to support my case, Citibank has continuously ignored my efforts to resolve this matter and has taken no meaningful steps to investigate or address the dispute in a fair and timely manner. Dispute Reference Number : XXXX Background Information : I have been a loyal Citibank customer for 12 years and have always maintained a good payment history. However, my recent experience with Citibank 's credit card dispute resolution process has been extremely frustrating and disappointing. Issues and Concerns : Lack of XXXX : Citibank has failed to acknowledge or respond to my numerous attempts to communicate and resolve this dispute. Ignoring Documentation : Despite providing clear and compelling evidence to support my dispute, Citibank has not taken any meaningful steps to investigate or address the issue. Requested Actions : I kindly request the Consumer Financial Protection Bureau to investigate my complaint and take the following actions : Initiate a thorough investigation into Citibank 's handling of my credit card dispute, ensuring that all provided documentation and evidence are reviewed and considered. Require Citibank to provide a detailed response to my dispute, outlining the results of their investigation and a clear resolution to the issue. Ensure that Citibank takes immediate steps to correct any inaccuracies on my credit report resulting from this dispute. If Citibank is found to be in violation of any applicable laws or regulations, take appropriate enforcement action to hold them accountable. I appreciate your attention to this matter and request your prompt assistance in resolving this dispute. Your intervention is crucial in ensuring a fair and just resolution. Thank you for your time and consideration.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98072
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A