Date Received: 2023-09-27
Issue: Getting the loan
Subissue:
Consumer Complaint: Initially I was denied faster than a New York minute, which leaves me wondering and suspicious. Now it seems like its too fast even for them, because Im getting these emails from them encouraging me to finish my application.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: XXXXX
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 lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I went to XXXX XXXX XXXX XXXX XXXX XXXX XXXX I tried to sign up for insurance for my new car i just got they asked for XXXX XXXX down so i gave them my card, they pushed it in the machine made me put my pin number, it got declined. Then the insurance lady said we can try the card again but before i wanted to try again i checked my account to see if i got a message from citi ( i usually do when my card gets declined ), it turns out the XXXX XXXX was sucessfully tooken out of my account but it was declined on insurance card machine. So im thinking where the XXXX did my money go IF my bank ( CITI BANK ) doesnt have it and i can not get a receipt cause my card was DECLINED and i disputed it 5 minutes later with my bank, they declined 2 claims and im on my third claim from this dispute, citi bank is not helping me at all to get my money back they wont even send a agent to check out the scammy insurance place but if they dont have my money im assuming its my bank.
Company Response:
State: CA
Zip: 93313
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: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: On XX/XX/2023 I walked into the Citibank branch located on XXXX XXXX XXXX XXXX with a cashier check in the amount of {$15000.00} from XXXX XXXX. XXXX was the banker who handled my account and who took my check. He assured me I would be able to come back on XXXX XXXX and retrieve funds from that account. When I went into the bank on the XXXX XXXX Citibank told me that the cashier check was no good and they froze my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60628
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: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: Applied for a Home Depot store card. Website stated they would do a soft pull. Applied after they said it would not affect my credit score. Was told would take a few days to process. 3 days later was denied then they pulled a hard inquiry on my account that I did not authorize. Called Home Depot number would not Connect me to a human. Called XXXX to start a dispute and Julio told me that he cant do anything unless I call Home Depot. As I said you can not speak to a human. I would have not applied knowing they would lie and pull a hard report. They also gave me an inaccurate credit score as experian shows XXXX points higher than Home Depot. the inquiry was on XXXX per XXXX website. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 895XX
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: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: We responded to an offer of an AAdvantage credit card with a {$200.00} statement credit for XXXX XXXX purchases during the first 6 months and XXXX bonus miles after {$2000.00} in purchases during the first 3 months ( attached ). We received XXXX bonus miles but no statement credit, despite having charged over {$6000.00} in airfare on the card immediately. When I contacted Citi AAdvantage about this, I was told to send a copy of the ad to which we responded. Instead of being issued the credit, we received the attached letter stating that, " A {$200.00} statement credit is not a part of the XXXX bonus mile offer. ''
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
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: 2023-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-26
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am not liable for this debt with Citi bank. I can not open a bank account because of this inaccurate and unverifiable. [ 15 U.S.C 1681 ] due to the FCRA this account must be removed immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-26
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I noticed XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, SD, XXXX, doing business as Home Depot/Citibank placed a hard inquiry on my credit report without my knowledge or consent on XX/XX/2022. I immediately contacted all parties and requested copies of a signed authorization or recording showing I requested a line of credit increase or gave any authorization to obtain copies of my credit reports or score. Home Depot/Citibank may have offered a line of credit increase but never disclosed to consumers an inquiry would be placed that may impact their credit scores or rating in direct violation of the Fair Credit Reporting Act. I requested Home Depot/Citibank immediately reach out to the three credit bureaus and remove the hard inquiry. To date, all parties have refused and placed the consumer on a 30 - 40-minute hold to get through to a representative.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-26
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: On XX/XX/XXXX, I signed up for the XXXX XXXX XXXX XXXX XXXX online at XXXX XXXX XXXX On the website, it clearly states that if I spent {$500.00}, I would get {$75.00} statement credit and this could be repeated 3 times, e.g. I would get {$220.00} statement credit if I spent {$1500.00}. On the web archive version of the site XXXX XXXX XXXX XXXX XXXX XXXX XXXX, you can clearly see that the promotion period is from XX/XX/XXXX - XX/XX/XXXX and they have since extended it to XX/XX/XXXX. I have since spent over {$1500.00} on the credit card and haven't received any statement credit. I reached out to the support via secured message online and was told I need to call XXXX. I called the phone number and was told they don't know anything about the promotion and was asked to call Sears at XXXX or XXXX. I called Sears and was told they can't do the statement credit and I have to call the credit card company back. Basically I am getting a run around and no one knows how to give me the statement credit. In fact, I learned about this promotion on the deals website " Doctor of Credit ''. As you looked through the comment section, you will see that I am not the only customer who are short-changed of the {$220.00} promotions. Several other individuals also complained they didn't received the promotion. Please see the link below : XXXX XXXX XXXXXXXX I would appreciate if someone from your team can help me resolve this issue. The only reason I applied for this card initially was to get the promotion and now I feel like I am being scammed into something I don't want. Thank you for your help!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77036
Submitted Via: Web
Date Sent: 2023-09-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-26
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I noticed XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, doing business as Home Depot/Citibank placed a hard inquiry on my credit report without my knowledge or consent on XX/XX/2022. I immediately contacted all parties and requested copies of a signed authorization or recording showing I requested a line of credit increase or gave any authorization to obtain copies of my credit reports or score. Home Depot/Citibank may have offered a line of credit increase but never disclosed to consumers an inquiry would be placed that may impact their credit scores or rating in direct violation of the Fair Credit Reporting Act. I requested Home Depot/Citibank immediately reach out to the three credit bureaus and remove the hard inquiry. To date, all parties have refused and placed the consumer on a 30 - 40-minute hold to get through to a representative.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A