Date Received: 2024-02-24
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/XXXX, a purchase of {$1900.00} was posted on my Citibank account. The transaction was made on XX/XX/XXXX, and the merchant was named " XXXX XXXX XXXX MD XXXX ''. It was via my debit card at that time with the ending XXXX. I never consumed at this merchant, not had I consumed at this type of merchant. I found out this fraud at XX/XX/XXXX when checking my Citi mobile app. I called the official number of Citi immediately after finding this out and received a case number " XXXX '' from the dispute department. I also requested to stop my debit card immediately and to stop any online banking services. Thus, my debit card has been inactive for 2 months ( I still used ACH to pay for credit card, but not using debit card ). I was outside of US in another country during XX/XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX I followed up with Citi, and they said the case was closed because there was not enough information. I requested to re-open the dispute and received another case number " XXXX ''. On XX/XX/XXXX, I followed up again and got noticed that the case was closed again, and I requested to re-open it, I received another case number of " XXXX ''. Being rejected twice by Citi, I asked for detailed reasons. They provided that " ( 1 ) the transaction was made online, so that although in the US I have not been outside of state CA, it could not be a proof of I could not consume at the merchant in state MD '' and " ( 2 ) I requested the replacement card 2 months after I filed the first dispute, and that was an evidence of me thinking my debit card as safe. '' Those reasons provided demonstrated extreme unprofessionalism and carelessness for customer of Citi. I follow up to them as " ( 1 ) if my account transaction history has been carefully checked, it could be easily found out that I have never consumed at this type of merchant. Also, the merchant seems to be camping, and I could not have benefitted from this service without physically being in MD, so there's no reason I could pay for it. I have never paid anything for others using my debit card '' and " ( 2 ) the request of replacement card was due to uncontrollable reasons of me not being in the US, and I have requested to stop my debit card and online banking services immediately after I found out this fraud. '' From these three interactions with Citi, I have been shocked by their irresponsible actions in protecting the financial security of their customers. Thus, I find it necessary to go to the government and seek more actions and professional help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94607
Submitted Via: Web
Date Sent: 2024-02-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-24
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: According to CCAP the company stated I was notified in XXXX of 2023 of their action to collect the debt through court. I was not notified and I found out about the court date from a lawyer attempting to represent me in court, I showed up to the court hearing and requested dismissal because the collecting company is not the original creditor. Therefore my rights were violated due to the original creditor not abiding by our original agreement using arbitration to settle our contract. This matter has cause me emotional distress, I am not able properly apply myself at my place of employment due to continuously thinking about this lawsuit. It has negatively impacted my credit score which has also caused several traumatizing effects in my life, I have been unable to secure stable housing due to my credit history from this matter, I am in fear of my wages being garnished, and I am still waiting for XXXX to supply the requested documents ( The original purchase agreement, the chain of assignment, the bill of sale, and the validation of the debt )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 532XX
Submitted Via: Web
Date Sent: 2024-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-24
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: I deposited a check into my citi checking account on XX/XX/2024 next dsy i see thst citi put a hold on the funds. after calling their fraud dept they then tell me my account is beung closed and i wont have access to my funds until XXXX days after my account hsve since been closed. I was nit provided a reason as to why this is happening as the check deposited is cashiers check that XXXX XXXX issued me after i had closed my account with them, i even called XXXX and was told the check was valid i did nothing wrong in this situation and having my account wrongfully closed
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 075XX
Submitted Via: Web
Date Sent: 2024-02-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-24
Issue: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: My credit card was locked when I tried to make a purchase. I called them and they said they unlocked it. Then, I tried the purchase again and they said their system didnt allow to send me a verification SMS, so they had to call me to verify my identity and proceed to unlock my card. After I got the call and verified my account they said they had unlocked my account again, but it was not true. When I called them yet once more, they now said the only way to verify my identity was to give them the number of ANY OTHER CREDIT CARD OF MINE! ( not with their bank ). I told them that this was a privacy violation and sounded like a scam, so they told me they wont unlock my account then. Ive tried calling them multiple times and now theyre saying that XXXX cant even close my account until I receive a letter on my physical address with a code, which according to them would take XXXX business day to arrive!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98115
Submitted Via: Web
Date Sent: 2024-02-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-24
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I sent a Negotiable Instrument, Promissory Note No. : XXXX made out to Citi Cards for account ending in RE : Account # XXXX XXXX XXXX XXXX for {$20000.00} to the above referenced account TO APPLY TO PRINCIPLE. It was sent on XX/XX/XXXX and received on XX/XX/XXXX via certified mail XXXX XXXX XXXX XXXX XXXX XXXX. They should know how to deal with the public and private. Not processing this is a violation According to XXXXublic Law 73-10 of HJR-192 and 31 USC 5118 strictly forbids banks and lenders from demanding any specific form of payment. All banks must process lawful US currency. Failure to do so is interference in commerce and a felony under the RICO Act. In XXXX all money was converted into negotiable instruments such as Federal Reserve Notes, bonds, promissory notes, treasury notes, certificates of deposits, bills, cheques, drafts and cancelled stamps. Under UCC 3-603. TENDER OF PAYMENT. ( a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract. ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. ( c ) If tender of payment of an amount due on an instrument is made to a person entitled to enforce the instrument, the obligation of the obligor to pay interest after the due date on the amount tendered is discharged. If presentment is required with respect to an instrument and the obligor is able and ready to pay on the due date at every place of payment stated in the instrument, the obligor is deemed to have made tender of payment on the due date to the person entitled to enforce the instrument. Pay attention to UCC 3-603 ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. Returning the Negotiable Instrument is a violation under UCC 3-604. DISCHARGE BY CANCELLATION OR RENUNCIATION. ( a ) A person entitled to enforce an instrument, with or without consideration, may discharge the obligation of a party to pay the instrument ( i ) by an intentional voluntary act, such as surrender of the instrument to the party, destruction, mutilation, or cancellation of the instrument, cancellation or striking out of the party 's signature, or the addition of words to the instrument indicating discharge, or ( ii ) by agreeing not to sue or otherwise renouncing rights against the party by a signed record. Citi Cards is breaking this Code as well as other forms of securities fraud but this is the one I will address. I am giving the CFPB a chance to hold them accountable. I am opting out of Arbitration under 15 U.S. Code 6802 ( b ). If the CFPB will not hold them accountable because they are another Government agency that is being paid by XXXX XXXX, I will be forced to send them a XXXX for and start the Federal Court process . I know they are committing several types of Securities Fraud and we can address all of them in that setting.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 38654
Submitted Via: Web
Date Sent: 2024-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-23
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account ending in XXXX Citi Reference Number : XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act ( FCRA ), as a federally protected consumer, I am hereby opting out of any and all authorization, whether written, unwritten, verbal, or nonverbal, as per 15 USC 6802. Attached is the card agreement as reference, indicating my revocation of authorization to share my personally identifiable information with any non-affiliated third parties, including consumer reporting agencies.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02368
Submitted Via: Web
Date Sent: 2024-02-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-22
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Bloomingdale 's Department store XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act 15 USC 1681 ( a ) ( 4 ) states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. XXXX and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution under that title. 15 USC 1681b states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681c ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), but no consumer reporting agency may also make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s-2 ( A ) ( l ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. '' 15 U.S code 1681a ( 2 ) Exclusion ( A ) ( i ) report containing solely as to transactions or experience between consumer and the person making the report. Reporting transition history is illegal The IRS Clearly defines a charged off as Gross or Ordinary income, Income does not get reported the consumer credit report, which in fact makes reporting of this account inaccurate. I demand my account to be updated to paid as agreed
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60625
Submitted Via: Web
Date Sent: 2024-02-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-23
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Account was closed without notice I called and was told Id receive a letter which I never did Never got any update I called the executive response unit and they said they created a case Once again no update ever recieved Both my accounts were closed also lost any rewards and cashback I earned
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92620
Submitted Via: Web
Date Sent: 2024-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-22
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: Good Afternoon, I hope this message finds you well. I have been tirelessly contacting Macy 's since XXXX to remove two fraudulent accounts from my credit report. Despite my efforts, these accounts remain on my report, causing significant distress and hindering my ability to secure housing or obtain other credit cards. The accounts in question were not created by me but are the result of credit fraud from XXXX XXXX and Macy 's. I possess a letter from XXXX XXXX confirming that I was a victim of credit fraud. It has now been over 7 years, and these accounts are still impacting my financial stability. As a struggling XXXX XXXX trying to support my family and pay my bills, this situation has become unbearable. I kindly request that both accounts be promptly removed from my credit report, as they were created fraudulently. This reporting is false and inaccurate, and I am suffering the consequences unfairly. I would like these accounts to be deleted off my account. I would like to draw your attention to Title VI of the Consumer Credit Protection Act, which protects information collected by consumer reporting agencies such as credit bureaus. This law specifies that information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies are legally obligated to investigate disputed information. Additionally, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken based on such reports. The Fair and Accurate Credit Transactions Act, which added provisions to protect record accuracy and combat identity theft, further reinforces these protections. I appreciate your immediate attention to this matter and look forward to a swift resolution. Thank you for your understanding.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11230
Submitted Via: Web
Date Sent: 2024-02-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-22
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: My name is XXXX XXXX XXXX, and I have been a loyal Citi Bank customer since XXXX. In XX/XX/XXXX, I noticed fraudulent transactions on my Citi XXXX XXXX Credit Card with the number XXXX XXXX XXXX XXXX. Immediately, I contacted Citi customer service to dispute these charges, which amounted to 10 transactions detailed in the attached statement for the month of XX/XX/XXXX. To my surprise, I later discovered that Citi had transferred these fraudulent charges to a new credit card ending in XXXX without notifying me. I want to emphasize that I never received this new card physically, and I certainly did not authorize or make any transactions on it. Recently, I received a notice demanding payment of the debt, totaling {$3100.00}, on the card ending in XXXX. Despite my repeated efforts, the situation remains unresolved since XX/XX/XXXX. The frequent calls and notices related to the fraudulent transactions have caused significant distress. Regrettably, this experience has led me to reconsider my banking relationship with CITI. Thank you for your prompt attention to this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01545
Submitted Via: Web
Date Sent: 2024-02-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A