Date Received: 2023-09-06
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: The accounts below are reporting incorrectly please investigate these : 1. THD/CBNA Reason for Dispute : I have been of Identity Theft / victim of fraud. This account is not mine, I did not authorize this credit line request, this was requested from an OHIO address, I have lived in Pennsylvania for more than 15 years and never lived in Ohio. INCORRECT CREDIT INQUIRIES I am disputing the following inquiries which I did not authorize : 1. CITIBANK NA/THD Reported : XX/XX/202XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 17815
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-06
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 asked this company to remove my financial information from my consumer reports and they denied it. Because of this, they have defamed my character and caused me damages. I could not purchase a home or get approved for another credit card. I demand that this company complies with federal law because they have violated both my privacy and FCRA laws 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with sectio n 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( 2 ) Exception This subsection shall not prevent a financial institution from providing nonpublic personal information to a nonaffiliated third party to perform services for or functions on behalf of the financial institution, including marketing of the financial institutions own products or services, or financial products or services offered pursuant to joint agreements between two or more financial institutions that comply with the requirements imposed by the regulations prescribed under section 6804 of this title, if the financial institution fully discloses the providing of such information and enters into a contractual agreement with the third party that requires the third party to maintain the confidentiality of such information. ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. ( d ) Limitations on the sharing of account number information for marketing purposes A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer. ( e ) General exceptions Subsections ( a ) and ( b ) shall not prohibit the disclosure of nonpublic personal information ( 1 ) as necessary to effect, administer, or enforce a transaction requested or authorized by the consumer, or in connection with ( A ) servicing or processing a financial product or service requested or authorized by the consumer ; ( B ) maintaining or servicing the consumers account with the financial institution, or with another entity as part of a private label credit card program or other extension of credit on behalf of such entity ; or ( C ) a proposed or actual securitization, secondary market sale ( including sales of servicing rights ), or similar transaction related to a transaction of the consumer ; ( 2 ) with the consent or at the direction of the consumer ; ( 3 ) ( A ) to protect the confidentiality or security of the financial institutions records pertaining to the consumer, the service or product, or the transaction therein ; ( B ) to protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability ; ( C ) for required institutional risk control, or for resolving customer disputes or inquiries ; ( D ) to persons holding a legal or beneficial interest relating to the consumer ; or ( E ) to persons acting in a fiduciary or representative capacity on behalf of the consumer ; ( 4 ) to provide information to insurance rate advisory organizations, guaranty funds or agencies, applicable rating agencies of the financial institution, persons assessing the institutions compliance with industry standards, and the institutions attorneys, accountants, and auditors ; ( 5 ) to the extent specifically permitted or required under other provisions of law and in accordance with the Right to Financial Privacy Act of 1978 [ 12 U.S.C. 3401 et seq. ], to law enforcement agencies ( including the Bureau of Consumer Financial Protection [ 1 ] a Federal functional regulator, the Secretary of the Treasury with respect to subchapter II of chapter 53 of title 31, and chapter 2 of title I of Public Law 91508 ( 12 U.S.C. 19511959 ), a State insurance authority, or the Federal Trade Commission ), self-regulatory organizations, or for an investigation on a matter related to public safety ; ( 6 ) ( A ) to a consumer reporting agency in accordance with the Fair Credit Reporting Act [ 15 U.S.C. 1681 et seq. ], or ( B ) from a consumer report reported by a consumer reporting agency ; ( 7 ) in connection with a proposed or actual sale, merger, transfer, or exchange of all or a portion of a business or operating unit if the disclosure of nonpublic personal information concerns solely consumers of such business or unit; or ( 8 ) to comply with Federal, State, or local laws, rules, and other applicable legal requirements ; to comply with a properly authorized civil, criminal, or regulatory investigation or subpoena or summons by Federal, State, or local authorities ; or to respond to judicial process or government regulatory authorities having jurisdiction over the financial institution for examination, compliance, or other purposes as authorized by law. 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ) 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07087
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-06
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: During XXXX I received a letter about one of my business accounts being restricted due to routine KYC checks. Citibank requested me to contact either the branch or they KYC department. I did both. They asked me to sign a few forms, which I did on XX/XX/XXXX at the branch. It's been more than a month since then. I've called both the branch and their KYC department to follow up, and they have been telling me for the past month or so that they have " all the information they need '' and it's up to the analyst to unlock my business account, but the analyst is never available. Well, it's been more than a month contacting them, hearing the exact same answer and they just don't unlock their account. We couldn't even pay salaries by the end of month because we can't even cash checks. Citibank has been extremely negligent and they just don't care. It's been by far the most frustrating experience I've ever had with a bank. I am already opening new bank accounts elsewhere, but I still need them to unlock my accounts to acces the funds.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-07
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: Today I added my new XXXX XXXX Citibank credit card to my XXXX XXXX. I attempted to do the verification with my phone number and with a phone call and neither of which went through in the XXXX XXXX XXXX, and then told me to call Citibank to verify my card I then made contact with Citibank and gave them my information including my phone number in order to verify my account. At that point I was told that my phone number that I have had for the last 10 years and that is in my name does not meet the verification criteria. I then ask them what the criteria is for a phone number and they would not tell me, we went through the other verification options which only included having city bank accounts other than the credit card in other words I had no options to verify my account even though I can provide them with all of my information including my phone number and an email to send a one time pass code to, and they would not. Making me concerned that in the future if I have an issue with my credit card or if my account does get hacked by someone that I will not be able to access it because they told me my only option in this scenario is that they have to mail me a one time pass code which could take 5 to 10 business days. In my mind. This is absolutely unacceptable. If something was happening to my account, and someone was doing some thing, I would have absolutely no access to my account other than receiving a letter in the mail during which time any number of things could happen, none of which are good I am filing this investigation because I believe this practice to be unacceptable and prohibitive of using a credit card, I had originally got this credit card to make a purchase this week and now I am unable to do that because I am waiting on a pass code because they could not verify me through my phone number and kept asking if I had any other phone numbers under my name which is another privacy concern of mine is how they are verifying the name on an account of a phone provider without my consent. That was very disconcerting. Every agent by the end of the call told me there is nothing else I can do to verify my account other than receive the letter. I couldve provided them any number of pieces of information, but at the end of the day I dont believe it to be acceptable that they can not verify me through my own phone number that I have had for a decade, that is under my name and all they could tell me is it doesnt mean theyre verification criteria. Under no circumstances talking to those five people what they tell me what that verification criteria was or how I could meet it. This is unacceptable practice of verification, making it impossible to access. Your account is dangerous and I would like a response from Citibank explaining to me why this happened to me and how its not gon na happen again in the future if they would like to keep my business I run a XXXX XXXX XXXX and I make a lot of purchases throughout the year and this is going to be my main credit card for the foreseeable future and right now I dont see that happening.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85257
Submitted Via: Web
Date Sent: 2023-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-07
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: My credit report is showing late payments to CITICARDS CBNA XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or CITICARDS CBNAs customer service representative.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93065
Submitted Via: Web
Date Sent: 2023-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-07
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: I identified unauthorized charges on my Costco XXXX by XXXX XXXXXXXX XXXX of XXXX XXXX ( XXXX ) number from credit card statement. XX/XX/XXXX there were XXXX charges of {$35.00}, and again XXXX {$35.00} charges on XX/XX/XXXX. I only had one active account at the time and the authorized amount was {$27.00} on my NFCU card. I cancelled that two and am sure XXXX will assist with those charges. Citi is the opposites. After submitting XXXX separate documents in XXXX for the four {$35.00} amounts, I was issued a conditional credit. One was reversed, and the other three stuck. I called Citi after the chargebacks and was assured they would reopen the case. Prior to contacted Citi, I visited the merchant four times, provided the statement and charges and was first told the manager would call, and a week later, no call. I made separate visits, asked to close all accounts as two years prior I had two vehicles, but in separate card. Today I called and found the three reopened reviews were closed on XXXX XXXX. I had requested that the vendor be blocked verbally in XXXX with the agent for CITI, and I had two more charges from the same vendor for {$35.00} each on XX/XX/XXXX. The letter said I didnt have enough proof, and to go and work it out with the vendor. I asked the supervisory agent for help today, and she repeated the letter info. The business is not listed under XXXX and the number on my Citi bank is fraudulent. I asked the supervisor today on XXXX XXXX to call the number as proof its a fraudulent number on their statement and she point blank told me she wasnt going to do that. Ill love Costco, spend thousands with their visa, even used it for a down payment as I purchased through Costco car buying program. I will be sending to our friends at Costco corporate that Citi is not representing Costcos image properly. Ive only had the card a couple of years, and cant believe vendors properly.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91913
Submitted Via: Web
Date Sent: 2023-09-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-07
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Please Delete Inquiry 15 USC 1681i Sec 7 15 USC 1681 Sec 5 15 USC 1681i Sec s-2
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 38834
Submitted Via: Web
Date Sent: 2023-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-06
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: as of XX/XX/2023 I had a balance of XXXX on my Home Depot credit Card. they offer promotional balances at not interest for up to six month on purchases over XXXX. A representative advised me back them to pay a total of XXXX in order to avoid interest charges which I did. as a courtesy she waived 1 month worth of interest and said as long I paid the XXXX I wouldn't be charge. once payment was done XXXX XXXX systematically applied the payment as a credit for the upcoming charges that were supposed to expired staring XXXX on and not for the recurring charges. as a result I'm paying interest on the balance as if I never made the payment. they conveniently take the payments for upcoming promo that's going to expire in the future even-thought I was told otherwise and it should be all notate it. Im disputing the amount of {$710.00} dollars worth of interest for recurring charges that I already paid
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07621
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX XXXX XXXX/CBNA, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under XXXX open end consumer credit plan as late for any purpose. XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 328XX
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-05
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: I would like to invoke : " The Fair Credit Billing Act is a 1974 federal law enacted to protect consumers from unfair credit billing practices. It enables individuals to dispute unauthorized charges on their accounts and those for undelivered goods or services. The Act provides consumers with protection from unfair billing practices such as : *Charges not authorized by the consumer* Charges with the wrong date or amount. CHARGES FOR GOODS OR SERVICE THAT WEREN'T DELIVERED. On XX/XX/XXXX I made an inquire thru the CFPB with case number XXXX XXXXXXXX. It looks CITIBANK doesn't want to protect my rights I stated this because I received 2 contradictory letters from them, One from XX/XX/XXXX, and another one from XX/XX/XXXX. ( Enclosed ) In the letter from XX/XX/XXXX Citibank stated : They are working with the merchant to get a permanent Credit for the charge of {$1000.00}. How ever in its letter from XX/XX/XXXX, They Stated : " The Merchant will not honor our request for credit based on the information you provided '' Since we are unable obtain a compensation from the merchant your account has been rebilled. Its Clear to me Citibank doesn't want to pursue its money under the Terms of VISA and the FAIR CREDIT BILLING ACT, they wanted me as consumer to dispute this charge with the merchant, even I fully explained with supporting documentations I had to pay a second Merchant for the defective and incompetent services I received from the 1st merchant, I can not pay twice for the repair of the same Item. I'd like to have the CFPB to make Citibank follow the terms and conditions of VISA and to respect and uphold my consumer protection rights I have under the Fair Credit Protection Act, I will cc the FTC on this issue due to the Citibank 's Violation to the Fact Fair Credit Protection Act because I used a VISA CREDIT CARD and as Consumer I do have some protections rights, while this request is pending I will fully dispute the amount of {$1000.00} and I will make liable Citibank if they report this amount to the Credit Agencies to damage my credit also if they initiate any collection activity in regards that Visa Credit Card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91311
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A