Date Received: 2024-02-22
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: A credit card was opened in my name and I didn't open it. It is a Amex/cbna. It was opened in XX/XX/2024. I called the company and they said they are sending me a letter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60172
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: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: In XXXX, I closed my SEARS/CITIBANK NA credit card . With XXXX balance. Four years later, I found out through XXXX XXXX XXXX that the above account was open and late by several payments. I immediately contacted SEARS/CITIBANK NA , They explained that the account had been re opened and the owner was a XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I made it clear that I was not that person. I do not have a middle name with an XXXX and have never been to XXXXXXXX XXXX The assured me that the account would be closed and I didn't have to do anything else. The account was closed by SEARS/CITIBANK Now , four years later, I received a letter from a law firm asking me to pay the delinquent account, Law firm : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I never owed any money to SEARS/CITIBANK . I did not re open the account Any assistance you can provide will be greatly appreciated. Respectfully, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NM
Zip: 88310
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: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: I have been carrying a balance with my Citi card ( last 4 numbers are XXXX ) for a couple of years now paying at least 21 % interest or more. This account has since been closed but I am still paying the high interest on this account. I am now in the position where I can transfer this balance to another card with a much lower interest rate. However, the new company needs a complete credit card number in order to transfer the balance. Unfortunately, I shredded my card long ago and dont know the full account number anymore.. I have asked Citi to provide me the full account number, but they wont provide it to me over the telephone or over email. They have said that they will send me a letter via US mail with the entire account number on it in 7-10 days. However, I have still not received such a letter in the mail. I have requested this letter at least 4 times in the past month but I have never received a letter. I think that they are purposely dragging their feet so that they can continue to charge the high interest. I would appreciate any help that you can provide, thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80917
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: I made a purchase in XXXX for about {$50.00} and I paid for the purchase in store. Macy 's created a credit card account without my consent and they charged on my credit card for {$34.00}. I wasn't aware of such an account. I was NOT contacted by Macy 's by phone or mail or email. After 2 years, I noticed a sudden drop in my credit score in XXXX with delinquency and noticed a new account on my credit report from MACYs. I called MACY 's and enquired. They said I missed a payment of {$34.00}. I was surprised as to what this payment is for and more shocking to know that there was an account on my name without any kind of notification. Macys never sent me monthly statements via mail or email too. I have asked Macys to close this account since I wasn't aware of this credit card account. Based on my simple google search, It looks like there are a lot of people affected by Macys by creating credit card accounts without their knowledge. This is very concerning about Macys and the CFPB should look into this aggressively to address fraudulent activities like this. I've been very diligent with my credit score for more than past 5 years of my stay in XXXX and this one fraudulent activity by MACYS is affecting my credit score. I kindly request prompt action and remove this from my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98004
Submitted Via: Web
Date Sent: 2024-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-23
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Home Depot reported to lates on my credit account and none are correct. I have asked them to provide proof or remove and I have not received any proof nor have they removed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 440XX
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: 2024-02-23
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I am writing to clarify a matter regarding a promotional balance fee of {$440.00} that was charged to my account despite my making the payment before the due date. I spoke with two representatives on the phone about this issue. The first representative 's system froze up on her, and I was transferred to a second representative. After two minutes of restating my issue and locating my account, the second representative informed me that I would need to call back on XX/XX/XXXX so that the promotional charge could be manually removed from my account. She also stated that she would make a note of my call and that a refund should be applied to my account. I would like clarification regarding the promotional balance fee because I worked very hard to avoid having any deferred interest charged to my account. The policy is posted as follows : We will generally apply payments in excess of the Minimum Payment Due to higher APR balances first. However, excess payments received before a deferred interest promotion expires are applied to the deferred interest promotional balance first in the last two billing cycles of the promotional period. And, if the expiration date of a deferred interest promotion is before the payment due date in the billing cycle in which the deferred interest promotion expires, excess payments received before the deferred interest promotion expires are applied to the deferred interest promotional balance first in the last three billing cycles of the promotional period. Why then was I charged {$440.00} if my payments were received before the due date?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29223
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: 2024-02-23
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Something is not right about XXXX XXXX XXXX filing a C-1099. In XX/XX/XXXX I learned by viewing a XXXX XXXX court filing that I was being sued by XXXX XXXX XXXX to pay an alleged debt. I responded to the small claims court filing with a defense document submitted after spending hours of my time learning how to do this. I was never served anything, one of my defenses. The alleged debt was a Citibank debt with known interest charge issues so I questioned the balance owed. However, the only option available to me after my response to the lawsuit filling was that I had to attend a mandatory mediation with a legal representative of XXXX XXXX XXXX. I was not prepared to defend myself. I agreed to a {$25.00} per month payment plan. Eventually the loan was paid off and satisfied. ( Payments stopped at some point with no further communication from XXXX. ) It was when I received a C-1099 form submitted by XXXX XXXX XXXX I learned that the company discharged the alleged debt in XX/XX/XXXX. How can they discharge a debt that was paid off? How can they have this as my " Best Buy Credit Card '' debt on their books in XXXX? I also have a Federal Tax Lien filed XX/XX/XXXX. It is essential that my tax filing is as accurate as possible. In the XXXX federal tax filing I am able to use the form to essentially discount the alleged debt amount and I should not be liable for a settled debt income because I paid it off. ( Plus both owed state and federal taxes from XXXX to present period makes me " insolvent ''. ) It looks to me that XXXX had me on its books as a debtor. Did the company represent to the IRS that I was in debt or had a discharged debt? I am working with a tax attorney to resolve my federal tax lien and my state tax debt. Please help me identify what may be wrong. Did XXXX submit a false claim to the IRS?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53189
Submitted Via: Web
Date Sent: 2024-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-23
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I applied for a citi credit card on XX/XX/XXXX. On XX/XX/XXXX I was approved for the card. After finding out that the card was not as advertised I called to close the account. I spent XXXX hours on the phone requesting they close the account. I was then told I was not able to close the account and I need to wait XXXX days and call back. I am unable to close my account and am being forced to keep the account open against my will. I was also told by the fraud department I can not report it lost or stolen and they are unable to close the account. I asked them to provide documentation on why they are refusing to close the account. I was still instructed to call back in XXXX days and try again. It also does not say in the terms and conditions that an account must be open for XXXX days before it can be closed. The advertising to apply was misleading and customer support provided misinformation. I spent several hours being transferred around only being refused to close my own account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: XXXXX
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: 2024-02-23
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: U pon meticulous review of my consumer report, I have uncovered egregious transgressions under the Fair Credit Billing Act. These violations, including the unauthorized dissemination of my personal information and the reporting of late payments without my explicit consent, have inflicted profound and irreparable harm to my creditworthiness and financial standing. As a direct result of these actions, I have suffered significant obstacles in accessing essential financial services and opportunities, severely impacting my livelihood and prospects. It is imperative to underscore the stringent requirements outlined in statutes such as 15 U.S. Code 1681 and 12 CFR 1016.7, which unequivocally emphasize the paramount importance of accuracy, fairness, and privacy in consumer reporting. The wanton disregard for these fundamental principles not only constitutes a blatant breach of federal law but also undermines the very fabric of consumer protection and financial integrity. Furthermore, the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681-1681x, expressly affords consumers the right to dispute inaccurate information on their credit reports. Any derogatory information that is inaccurate, outdated, or unverifiable must be promptly rectified or removed to preserve the integrity of the credit reporting system. Failure to adhere to these statutory obligations not only erodes trust in the financial system but also expo ses MACYS/CITIBANK, N.A. to significant legal and reputational repercussions. Moreover, the unauthorized disclosure of my personal information constitutes a reprehensible violation of the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S. Code 6802. This act unequivocally mandates financial institutions to uphold the utmost confidentiality and security of consumers ' personal information. MACYS/CITIBANK, N.A. 's blatant disregard for these statutory imperatives not only reflects a callous indifference to consumer rights but also underscores a flagrant disregard for ethical and legal norms. I demand immediate and unequivocal cessation of these unlawful practices and the expeditious removal of any derogatory information reported without my explicit authorization. Failure to comply with these directives will not only precipitate severe reputational damage but also expose MACYS/CITIBANK, N.A. to substantial legal liabilities, including but not limited to civil penalties and punitive damages. I urge you to heed this admonition and take swift corrective action to rectify these egregious violations. The gravity of this matter can not be overstated, as each moment of inaction perpetuates unwarranted harm to my financial well-being and undermines the integrity of the credit reporting system. Your prompt and decisive response to this urgent matter is not only warranted but also imperative. I trust in your commitment to upholding consumer rights and ensuring accountability for these grievous transgressions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29407
Submitted Via: Web
Date Sent: 2024-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-23
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I applied for a Best Buy Credit card through city bank and it says I was approved. I came to a screen that asked for me to reach out to the company and I did. Upon speaking to an operator she advised my account was denied. I had a Best Buy credit card before for many years and never had this issue. It also stated terms and conditions of me accepting the card to only speak to an agent and be denied. The reason for denial is because they couldnt verify my identity using my cellphone number which is bogus. Using my identification for verification is a scam to say they use phone verification and require a certain type of phone with my name on the bill in order to qualify for the card. Sounds like discrimination and predatory in me applying for a card I qualify for only to be denied for a fake reason
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30344
Submitted Via: Web
Date Sent: 2024-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A