Date Received: 2023-09-20
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I allowed my XXXX yr old son to use my Home Depot credit card to buy supplies for improving their home. I hadn't used the card in well over 6+ years. Agreement was he had to pay the charges on time. He continued to tell me all was fine. A few years later I woke up to a message saying my credit score went down over XXXX points! When I checked and found out it was the Home Depot card was delinquent so they applied the bad report to my credit report & score. I phoned the company, explained the situation and requested the remove some of the late fees and bounced check fees. Their current statement shows {$660.00} total fees plus {$1500.00} total interest charged in XXXX. They only took off {$69.00}. I paid them over {$5000.00} last month alone but they haven't reduced any more of the delinquent charges so I still owe them {$24.00} in fees and {$120.00} in interest with a balance of {$2400.00} I am paying them {$500.00} per month and have requested they reduce this balance further since I was totally unaware of these charges. They closed that credit card and opened a new one in my name at my current address and moved all the charges to my new account. I am retired and on social security.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 395XX
Submitted Via: Web
Date Sent: 2023-09-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-20
Issue: Improper use of your report
Subissue: Report provided to employer without your written authorization
Consumer Complaint: My letters have written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. And it is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney in order to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action. According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of XXXX XXXX data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as XXXX XXXX. I kindly request that you handle this matter with utmost care and diligence. ALSO, My information was impacted by the XXXX data breach and many different fraudulent items that i don't recognize have shown up on my credit report. I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. 15 USC 1681 section 602 A states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may 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. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 325XX
Submitted Via: Web
Date Sent: 2023-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-19
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: Citicard Bank just raised the APR on my account from 12.5 to 21.5. My credit score is XXXX. On line I see the average interest rate for a XXXX credit rating is 13.5 I spoke with customer service. I was told I could request a lower rate but there are other factors in addition to credit score. If anything, I have less debt than I had prior to the increase.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 119XX
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-19
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I opened my account with Citibank. I made a deposit in form of a check. The funds were made available after 2 business days. I was able to use some funds. Then all of a sudden I wasnt able to use my debit card, or any transfers online. I called customer service they asked me to verify some transactions that I had made. I verified them. Then they said I should be able to use my debit card. But I still wasnt able to use. I called again and they said my account was locked and I would get an email with reference number and once I provide that only then they will be able to unlock my account. Its been over two weeks neither I have received any mail nor the bank has removed the lock. I have {$39000.00} in my account and I am unable to withdraw or transfer funds. I need money for my basic needs and I have no access to my money. I have gone to the branch twice and then arent able to help me. I need access to my funds.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 945XX
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-19
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: When I was approved for the store credit card, I remember seeing a pop-up that I should be receiving a paper credit card in the mail. I've waited a couple of months expecting my card to arrive in the mail and so I contacted many representatives why I haven't received my credit card at all and I was told they would send a replacement in the mail again. I've never received a credit card at all. I get bills through the mail of how the minimum payment I have to make. I've been making phone payments ever since but I changed my phone number. I've tried to contact them again to update my information as my new number isn't in the system so it will not let me make payments. They ask me for the credit number which I don't have. Then I tell them I need update my phone number for my account because I don't have the old number. I tell them I can provide the account number but they refused to take the information that i can provide to verify that I'm the primary owner of the account. Multiple representatives lied to me saying they've updated my phone number in the system and I get a " suspected fraud '' on my account. My payment is due on the XXXX and I have no way of paying the bill because the representatives refused to update my account information and to pay my bill.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53511
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-19
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: statement on XX/XX/XXXX the total amount was of {$53.00}, original charge was of {$25.00} paid the XXXX on XX/XX/2023, I made another purchase of XXXX made a payment of XXXX toward that purchase, I started receiving phone call from Macys saying that my account a larger amount than to my knowledge was only XXXX I called macys credit department and once again my account was placed under investigation all the time fees had been added to my account. I have sent copies of the original stamens and payments showing that up to the point there was no balance at all. now I am being billed for {$180.00} I called talk to the associates but keep talking over my voice. Now they have reported my account to all credit bureaus '. I have no other way to defend myself for total disregard of my efforts to clear my account. Please help. Ps all payments done through store costumers services.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33026
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-19
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: In mid XXXX my credit card number was stolen. This is a credit card I have through Citi Bank. Within 1 week of noticing the fraudulent charges, I contacted them to report the charges. They cancelled my credit card and send me a new one that I received approx. 1 week later. During the initial phone call, they told me that I would not be liable for any of the fraudulent charges as I am protected from them as part of being a member with this bank/credit card. On XX/XX/23 my payment date was approaching ( due on XX/XX/23 ) and the fraudulent charges were still pending on my account ( they stated it can take up to 60 days for them to drop ), so I contacted Citi Bank via chat support to confirm whether or not I would be charged interest for the transactions that were fraudulent if I only paid for the transactions that were legitimate. They stated there would be no interest charges on the fraudulent charges at all. I have a recorded video of the chat with Citi Bank to prove this, however it is larger than 10MB so I had to link to it here : XXXX XXXX XXXXXXXX ( This is a video recording .mp4 file ) Jumping Forward to XX/XX/23, another fraudulent charge showed up on my *new* credit card number. I contacted CitiBank and they stated that the first representative that cancelled my card *forgot* to " Suppress the recurring charge and cancel it so that it would not move to the next card ''. So at that point, we had to start the process over again, and they had to cancel the card all over again, and I am now waiting for that *second* new card to arrive as of XX/XX/XXXX. Finally, today XX/XX/XXXX, I logged into my statement to find that they have charged me interest in the amount of {$63.00} on all of the fraudulent charges they stated they would not charge, so I called again. In the most recent call they now changed their story saying they now instead DO charge interest, but it " Drops off after the fraudulent charges disappear ''. There is no way to hold them accountable for their change in story and each representative gives a different story when you call. The video I linked to shows proof of them stating one thing, and acting in another way. Thanks for any assistance. XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55124
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-19
Issue: Problem with a company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: In XXXX, I requested a credit report. When I received the report, I noticed credit inquires for Citibank, XXXX XXXX and XXXX falsely in my name. I have never requested any cards or products if Citibank, XXXX XXXX or XXXX. Ive contacted XXXX and Ive followed through with the process. Currently it is XXXX, and the inquires or request for these cards are still on my credit report. Divulging deeper, I took into account a specific address XXXX, GA address that appeared on the XXXX and XXXX credit report. That address does not belong to me. Recently XX/XX/XXXX an associate from XXXX expressed to me that the XXXX, GA address has been flagged in various fraud cases. Another case of XXXX, is from the company XXXX XXXX in which I have no association with and do not recognize. Ive noticed an approximate {$500.00} loan was applied for. Again, this is not my identity. Also noticed that no payment has ever occurred. I REACHED OUT TO XXXX AND THEY STATED THEY DO NOT HAVE ME ON RECORD, but the dispute was returned as stay the same.. which gives untruthfulness. As mentioned before I did not apply for any products/ services from these companies/banks ( CITIBANK, XXXX XXXX or XXXX XXXX ) in the last 2-3 years. It is fraud. Please remove.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30213
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-19
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I ordered my son a soccer jersey from what I mistook for a real website using my citibank Mastercard linked to my checking account, after realizing that there was no contact information, that the tracking number never had any update and no ability to contact this " company '', I filed a dispute with my bank. They sent me a letter that I did not resolve the dispute in my favor and to contact the merchant. There is no way to contact the merchant. The website is a sham, no options for contact etc. The tracking number provided ( see attachments ) was also not legitimate. A shipping label was created, but never used.
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: 2023-09-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-19
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: On XX/XX/2023 I purchased three items on Wayfair.com and I used the Wayfair MasterCard to pay for the merchandise. I received {$120.00} reward dollars for the vanity which cost {$2400.00}. The vanity was delivered on XX/XX/XXXX. I have not received {$100.00} reward dollars for the purchase of two faucets for {$2100.00}. The two faucets were delivered on XX/XX/XXXX. Here is the exact verbiage from the Wayfair Credit Card and Wayfair Mastercard Rewards Program Terms : a. Wayfair Credit Card Reward Dollars for Net Eligible Purchases. You will earn Wayfair Credit Card Reward Dollars for Net Eligible Purchases so long as your Credit Card is in Good Standing. i. For the Wayfair Credit Card : 5 % on Net Eligible Purchases made with the Wayfair Credit Card at the Sites. ii. For the Wayfair Mastercard : 5 % on Net Eligible Purchases made with the Wayfair Mastercard at the Sites d. Posting of Wayfair Credit Card Reward Dollars Earned ; Forfeiture. Wayfair Credit Card Reward Dollars earned on purchases made at our Sites will be posted to your Account balance under My Account on the Sites within 48 hours of when the items purchased are shipped to you. I have contacted both Wayfair and Citibank, but both organizations tell me the other is responsible. I believe the responsible party is Citibank, but every time I call they give me the runaround.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38002
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A