Date Received: 2024-02-22
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Each company that I intend to list has submitted each account to a charge-off status. I will begin to submit a dispute letter to the credit bureau
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44108
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: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Each company that I intend to list has submitted each account to a charge-off status. I will begin to submit a dispute letter to the credit bureau
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44108
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: Opening an account
Subissue: Unable to open an account
Consumer Complaint: Ive been trying to Open bank accounts with XXXX XXXX they wont approve me also Citi bank they approve me and sent me a card and account number now their saying they cant work with me opening a new account Ive tried XXXXXXXX XXXX and XXXX XXXX XXXXXXXX also it was checks deposited and accounts open in my name also with my credit union XXXX XXXX XXXX Im going the identity theft my car was stolen and my purse and all my personal info like my social security card all my bank cards and credit cards and a check from my insurance company now they also bought a car in my name with my social security number
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60624
Submitted Via: Web
Date Sent: 2024-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-22
Issue: Closing on a mortgage
Subissue: Changes in loan terms during or after closing
Consumer Complaint: Topic : Citibank changed terms of loan after rate lock and advising me to remove loan contingency The following is the timeline of mortgage-related events : - Early XX/XX/2023 : My husband and I submitted paperwork to Citibank for a new mortgage application - XX/XX/2023 : We submitted an offer to purchase a house. - XX/XX/2023 : On the same day, XXXX XXXX, a Citibank mortgage officer, told my real estate agent that we're " fully approved '' and " don't need a loan contingency. '' Real estate agent advised keeping it regardless. - XX/XX/2023 : Our offer to purchase the house was approved and signed by all parties. - XX/XX/2023 : Appraisal was completed. Appraised value was equal to the final offer value. - XX/XX/2023 : On the same day, XXXX XXXX again advised our agent that we were ok to remove loan contingencies. We submitted signed paperwork to that effect. - XX/XX/2023 : My husband and I signed and returned our loan packet and rate lock agreement, which stated our terms at 15 % down payment, 5.125 % interest, and no PMI. These terms had been previously discussed and verbally agreed upon as well. - XX/XX/2023 : XXXX XXXX called me to state that the terms were changed to 20 % down payment and 6 % interest. This occurred after loan packet documents were signed, and after XXXX XXXX had advised us to remove loan contingencies. We had budgeted for a very different circumstance, and this bait and switch should not be acceptable. - Late XXXX : Appeals were unsuccessful. Documents attesting to the above timeline can be supplied as needed. These include loan packet, offer letter, emails, and text messages.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91360
Submitted Via: Web
Date Sent: 2024-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-22
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Citi Reference Number : XXXX - On XX/XX/XXXX, I was sent an email from Citi saying that my online user ID was blocked because they had reason to believe my login credentials were compromised, but, on XX/XX/XXXX, when I called the number they gave me, XXXX, options XXXX, I was told that they could not help me to unlock my account, nor did they tell me what supposed suspicious activity there was, and to call another number. When I researched that number, ( XXXX ) XXXX, I found it was for accounts that were flagged for closure, without any real reason. I read horror story after horror story of Citi customers saying that their accounts were locked for no real reason, and that their funds were frozen for months. All I did the days before my account was locked was request ( on XX/XX/XXXX, and XX/XX/XXXX ) transfers of {$4500.00} each be transferred from my Citi account to my XXXX account. They reversed one of the {$4500.00} transfers to my own account on XX/XX/XXXX and are keeping the other one that was sent on XX/XX/XXXX from becoming available in my balance at XXXX. Now I can not access the {$9800.00} ( current AVAILABLE balance according to their own phone banking system as of XX/XX/XXXX ) I have in my checking account with Citi. They even accepted two {$2000.00} XXXX payments into my supposedly locked Citi account from my siblings after they had locked it. So I can't access my own money, and that money is gone from their accounts. I emailed Citi 's Executive Response Team on XX/XX/XXXX, and on XX/XX/XXXX, I received a generic response saying they were investigating my case and would get back to me in 15 days. But I need and should have access to my own money sooner, especially since they have no real reason to hold it hostage.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91706
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: This dispute involves a bank. Citibank, that failed to properly handle a dispute. On XX/XX/XXXX, I placed an order online with a business called XXXX The company sent me a used product and tred to claim I damaged it and returned it. Pursuant to the Fair Credit Billing Act that requires I first make a good-faith effort to resolve the issue with the merchant, I phoned XXXX on XX/XX/XXXX and spoke to XXXX to get an explanation as to what they were talking about. XXXX just kept telling the same old tired lie that I received the wig, and in just a few hours I intentionally damaged it with a pair of scissors and then returned it the very next morning. This story is outrageous. This business is engaged in unfair and deceptive practices, or consumer fraud with MANY customers also claiming they received used goods. On XX/XX/XXXX, I submitted a dispute to Citibank via email. I attached complete supporting information. On XX/XX/XXXX, I received a message from Citi asking for info I had already provided and focusing on a return of the merchandise which was not my issue at all. It appears that Citi may be using some kind of bots to handle disputes. Regardless, on XXXX, XXXX, I again provided the information to Citi and sent it via XXXX XXXX Mail. Citi received it on XX/XX/XXXX. Then, immediately in a letter dated XX/XX/XXXX, Citi said it had investigated the dispute and they were reversing the provisional credit since they had found in the merchants favor. But to the best of my knowledge, the merchant was never contacted as part of the investigation process. On XX/XX/XXXX, I sent an appeal of Citis decision via XXXX XXXX Mail to which Citi never acknowledged or responded.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08081
Submitted Via: Web
Date Sent: 2024-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-22
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: On a Citigroup Credit Card ( US Air Affinity ) i took out a Citi Credit XXXX 12 month term loan. Received my Citi Credit Card Statement yesterday which included normal credit card purchases and reflected total balance due for the the CitiXXXX Loan but no information on how/when/what on CitiXXXX loan payment requirements XXXX I suspect the minimum payment on the statement would trigger predatory fees/interest. i had to contact CITI online for exact payment amount for credit balance + Citi XXXX loan obligation which was not reflected on Statment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29926
Submitted Via: Web
Date Sent: 2024-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-22
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: According to law 15 U.S.C 1681 the banking system is dependent upon fair and accurate credit reporting. The 1099-C form reports a cancellation of debt ; creditors are required to issue Form 1099-C if they cancel or charge off a debt of {$600.00} or more. The form must be issued when an identifiable event in connection with a cancellation of debt occurs. According to the creditor Shell/ CBNA my account was charged off in the amount of {$650.00}, reported on XX/XX/XXXX. As of today, XX/XX/XXXX I still havent received any forms and Ive contacted them asking for the proper information. Ive contacted them multiple times including, and Ive been repeatedly ignored. This is a charge off and if this account was indeed charged off then why did I not receive a copy of the 1099-C form from the creditor. Shell/ CBNA has received a tax write off for this debt and I should not have this debt reported on my credit profile. Please send me any forms or documentation showing that you have the right to report this as a debt. If you are not liable to do that please remove this account from my credit report immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30519
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: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I opened a basic checking account with Citi bank around XXXX transferred money from my XXXX account to Citi bank XXXX $ all together. When I tried to login my mobile app for Citi bank all of a sudden it said password wrong when I know it wasnt. I called the first time Citi bank to explain they said about XXXX months ago I will receive a letter in the mail with a confirmation number on it but never received it. Called again they kept saying it should be in anytime but still nothing and tried a third time and they just gave me a run around acting as if I should still wait for the mail never received anything and my money has been stuck with them when I needed it. I would like to please get help just getting my money out and closing my account with them.
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: 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 company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I have contacted XXXX, XXXX, XXXX and Best Buy/CBNA about inaccurate information on my report. The agencies have stated that the results from the investigation are verified as accurate. Which is not correct. I have sent an opt notice to best buy and they continued to report information and inaccurate information to the credit agency which violates 15 usc 6802 and 15 usc 6805 Enforcement. 16 cfr 313.7 has been violated as well. I have been disputing this with XXXX since XXXX and since XXXX XXXX. The most recent dispute with XXXX was XX/XX/XXXX. The Privacy act of 1974 has been violated. I reached out several times to these agencies and business and they continue to violate me. The law also states its illegal to report transaction history.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 280XX
Submitted Via: Web
Date Sent: 2024-02-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A