Date Received: 2023-08-23
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 # ending in XXXX THE HOME DEPOT/CBNA, has violated my rights. 15 USC 1681 section 602 States I have the right of privacy. 15 USC 1681 section 604 A section : 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 an open end consumer credit plan as late for any purpose
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92860
Submitted Via: Web
Date Sent: 2023-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-23
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: According to law 15 usc 1692j section 807. I'm requesting you to validate debt. With my signature, contract date and my social security on file. If, not please delete from my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11423
Submitted Via: Web
Date Sent: 2023-08-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-23
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I have spoken to Citibank/Macys several times and was told the debt was sold to XXXX XXXX XXXX . I called XXXX XXXX services back in XXXX of XXXX, then again in XX/XX/XXXX and again on XX/XX/XXXX and was told each time that they are no longer collecting on this debt and they can not take any payments, that the debt has been closed out and discharged. I was told they were going to remove the negative remark and reported balance on my report since they would not allow me to make a payment to satisy the debt. I was told it would be done in 30days and if it was not done by XX/XX/XXXX that I am to file another complaint with CFPB so that is what I am doing. Last representative that I spoke to was XXXX with ID # XXXX and she assured me these items would be removed from my report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33907
Submitted Via: Web
Date Sent: 2023-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-22
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I have a XXXX XXXX Citibank credit card. The HD card will automatically send certain purchases over a certain amount into their " deferred interest category '' for a certain period of months. XXXX or 24 months deferred interest depending on the amount of the purchase. The XXXX Citibank website is built to be super confusing. I understand the website, but am still getting screwed by this credit card. So, in order to pay off " promotional balances '' you must satisfy your minimum payment first, then any amount you pay in excess of that will be applied to your promotional balance. The kicker is, you must go into the website and navigate through a confusing maze in order to " allocate '' or pick which promotional balance you want your excess payment to satisfy. You can click up to XXXX promotional balances at a time. Your payment will be split XXXX ways. Here is my BIG issue, I had a promotional balance that was about to expire, the remaining balance was around {$920.00}, I clicked on this amount so that 100 % of anything extra I paid to my account after satisfying the minimum payment would be paid directly to this promotional balance so that I do NOT incur the HUGE penalty deferred interest of almost {$700.00}. Basically almost 85 % interest, even though they say its 29 %. That is a problem within itself, but that is NOT why I am reaching out. I am reaching out because I paid a single payment of {$920.00} to cover that remaining balance of {$920.00}. After making the payment and after the fee cleared my bank and cleared Home Depot Citibank card, I double checked to see if that balance had been removed...... Well... it had NOT. the HD card has taken my money, but NOT allocated any of it to the balance. I got on the phone XXXX separate time for at least an hour each time and was told that they had fixed the issue as they could see that my payment in addition to the minimum should have covered that {$920.00} promotional balance. They assured me it would be reflected in XXXX hours. So I would check back and it would NOT be changed, so that is when the multiple calls happened and each time they said they fixed it and NOT to worry, that when the new bill statement came out, I would get the accurate update. I just opened my new billing statement and was charged an additional {$670.00} in interest for the promotional balance that HD had agreed had been satisfied ... Fortunately, I keep up with this stuff or it would have just gone under the radar and been added to my total credit card balance. I called in today and they assured me that they refunded that full amount and I should see that reflected ASAP. They also are having to re-allocate funds for other payments I made that are NOT paying off promotional balances as they should. They agreed, I did everything right, but the system is not putting funds in the right place. My concern is how many past months have I been charged extra interest for promotional balances that I paid off, but were NOT reflected in the HD system. Also, once a promotional balance expires, a consumer/customer and NOT go back and see if our payments ultimately went to that balance, we just have to hope it did and watch to see if our interest that month went above normal. Here is where you come in, you guys need to do serious research on these promotional balances with Citibank Home Depot card and see if they are not allocating payments correctly and charging the consumer extra interest each month. This could be a HUGE scandal. If what is happening to me is happening to hundreds of thousand of other people, we are talking a major illegal scam to customers... I appreciate your help on this, I also have proof of all of my issues if you need to talk to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 787XX
Submitted Via: Web
Date Sent: 2023-08-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-22
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: On XX/XX/2023, I return some merchandise to Home Depot a refund was due to my credit card in the amount of {$670.00}. XXXX statements reflects no there was no refund. I am still making payments, in order to keep my credit in hood standards. I have made numerous attempts to contact Home Depot and Citi whom are the card issuers with negative results. As requested, Ive sent receipts to verify my return of the merchandise and I still have not been credited. My credit report still shows the outstanding balance which is fraudulent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92336
Submitted Via: Web
Date Sent: 2023-08-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-22
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: To whom this may concern, I have tried resolving this with the company, which I'm unable to get back out here to fix their work, they wanted to pay by cash, I chose to use my card for a neutral 3rd party consumer protection, so I chose to use my Citi Bank ( MasterCard ) Double Cash card. I later discover, this company has been doing this to people in multiple states. I called into Citi, to start the dispute process. I signed all the info and sent it back in. I even called in to let them know I'm waiting from court records from XXXX XXXX Sherriff 's Dept ( OK ) to send me copy of the court report of what had happened in Oklahoma and may need additional time to receive the report and then send it in. They said they'd note my account. I sent them the info I had at the time. I later get an email that they've resolved my case and chose not to refund my money in my favor, regardless of showing inaccurate business info associated with this company, past reviews, court cases and articles showing they've been going state to state doing this to others. I called in and talked w/ someone and they acted like Mastercard already made their decision and there wasn't enough info I sent them. I felt very confused how any company who taken the time to see the info that this company provided me, w/inaccurate business info, multiple address, phone numbers, they haven't came back to as promised, and then later finding they've been doing this in other states and now have came to Utah, doesn't appear like they dove too deep. I has asked Citi Bank to reopen the dispute, but they still haven't reversed the charges. I've filed a police report with the XXXX XXXX Sheriffs Office ( case # XXXX ), as instructed by Wyoming Consumer Protection Unit w/ the Attorney General 's office, I'll be doing the same here in Utah to hope no one else falls victim to this company making false claims and running off with their money. Here 's the information I sent into Citi Bank : XX/XX/XXXX : XXXX XXXX showed up at my home late in the afternoon ( approx XXXX ), he saw me working in the shop, garage door up and my forklift there by the edge. I asked him what he wanted, and he said he had some overage asphalt from a home they were doing in the area. He said it was too good of a deal to pass up. He'd do it for 1/2 of what the cost normally is. He said it was road grade that they use in the streets, small particles. He saw my equipment and said this would be great for my forklift. I asked him for some time to think on it and talk w/ my partner, but he was very pressured, and said he needed an answer now. I wasn't getting a very good feeling, and felt like I didn't have an option, I explained it wasn't the best time for me, I needed to get to work, and costs I wasn't planning on spending at the moment. He said he preferred cash but would take a credit card for a {$400.00} fee. He promised his work and said I didn't have to pay until completion and that if I wasn't happy he wouldn't charge me a thing, it was a no lose situation and it would help him out in using material that would just go to waste. He said it normally would be over XXXX + and he'd do it for $ XXXX. He even offered to move all my trailers, prep the area, compact it and move it back. Once they started working, I had to run over to a close by appt and he started calling me saying he needed payment and when would I be back. I told him I was close by and would be back shortly. I was confused why he wanted payment if they weren't done. He started getting frustrated with me and wanted to leave and wanted the payment. I gave him my card info, he sent me to his brother 's vehicle XXXX that would run the payment. I asked for a receipt which they were hesitant to give me. After I paid, XXXX immediately left and a few min later XXXX left as well. Leaving the couple of workers there to do it. I thought that was odd, but they did promise to guarantee their work. It started getting late into the XXXX, dark and hard to work, I felt like because of it getting dark they were rushed and wanted to leave. I even started to help them. XX/XX/XXXX, the next morning, when I went out and looked at it, I noticed rocks and pebbles all over the place, pieces of asphalt in the road, unlevelness and holes. This was not the work I was promised. They said they would level the material, prep it, and clean up. XX/XX/XXXX, I reached out to XXXX about the concerns I have with the job performed, that I hadn't seen anyone come back to clean up. I explained to him that it didn't seem like it was setting up propperly and flaking off, all the rocks. He replied back via text that he'd come and look at it. I didn't " hear back after that. XX/XX/XXXX : I replied back to XXXX via text asking him when he could come and again I expressed concern about the problems I was having. He got defensive and said it hasn't even been a week yet. XXXX arrived at the house to look at the concerns and promised to return w/ his crew to do the repairs and clean up the area. XX/XX/XXXX I followed back up with XXXX, sent him a text, tried calling asking him when he can come back. No response. I gave him 24 hours to get back to me before filling a claim. XX/XX/XXXX, After not hearing back from XXXX, I filed a dispute w/ my credit card company Citi. XX/XX/XXXX - XX/XX/XXXX : I started looking at the information provided to me, the phone numbers they used to call me, info on their flier, receipts to see what I could find out about this company if anyone else was having any other issues. I quickly learned I wasn't the only one. Between multiple addresses, business names, complaint after complaint. I came across some news articles one from Oklahoma and another one from Wyoming where similar instances to mine occurred w/ this outfit. Just under a different name. I called the hotline # that was in the article and spoke with the consumer protection unti w/ the attorney general. XXXX reached back out to me and shared info about these XXXX that have been going state to state and scamming people. He was also interested in info where they've been trying to locate them to get $ $ from a judgement against them. The other news article I read, lead me to XXXX XXXX Ok, where there were criminal charges brought against them and I have requested the case files which they'll be mailing to me. XX/XX/XXXX I had another asphalt company come out to look at the work performed by XXXX XXXX to get a second opinion and to see how much it would cost to fix. XXXX XXXX came out and said it's not a matter of if just when all of it would need to be replaced. He said this happens a lot, companies coming around going state to state claiming they have leftover material that they would sell for 1/2 price. And take peoples money and leave, often not even completing the work. He said in order to the work properly, the gravel/dirt needs to be removed, 6 '' of road base put down and then the asphalt, He said if these guys showed up about XXXX in the evening and left shortly after XXXX, there's no way it was done and will last and hold up. The size of area they did, that I paid for would take approx 2-3 days to do it properly. I day of prep work alone, another day binging in the road base and the last day to pour it and roll it and cool it off. XX/XX/XXXX : I Called & talked w/ XXXX XX/XX/XXXX in dispute dept. I explained I may need more time to get the reports back as requested by Wyoming & Oklahoma district attorney from other incidents that I have become aware of from this outfit while I was trying to do some research and see if anyone else was having problems with them. I will get that over asap. But prior to them sending the report to me they want me to mail a check to them for the report and then they'll mail the report to me. I did attached their invoice for the report that I requested. XX/XX/XXXX : Emailed over the info I had at the time as per XXXX XXXX instruction and let them know I'd send over additional information once I had received the case report back from XXXX XXXX that has details of the case that they did in Oklahoma. XX/XX/XXXX : My doorbell rang, I went and answered the door. XXXX XXXX XXXX was driving by and said he saw the asphalt work and asked who did it that it looked horrible. With all the loose rock it's not going to last the winter and wanted to do a seal coat. I explained the problem I had with this crew that showed up and said they were doing work in the area, took my money and hadn't come back to fix it. He said it's impossible to fix where they didn't do the proper prep , road base, level, compaction and then putting down. He wanted $ XXXX {$1500.00} to do a seal coat to try and stop all the loose rock from falling out/off. I told him I couldn't afford to do anything yet while I was still working on this with my credit card company. This was the second professional opinion on a shotty work that the XXXX XXXX did. XX/XX/XXXX : Contact Citi Bank to find out additional information that was needed. I wrote this email, with further description of the timeline. In conclusion, I don't have a signed contract, they wanted cash, I paid with my card, goods/services were not as promised and they have not come back to complete/finish the work. I've had two professionals come out and give me their opinion, the product partially completed will not last or hold up, come winter all the water, snow and ice will get into all the holes and pits and will freeze and break up the asphalt, hence why it needs to be flat/level. They also promised me this would be great for my forklift, which the other two asphalt companies said no, for a forklift you need to do concrete. If I would have known that I would have not agreed to do it. Please let me know what I need to do, I'm very frustrated that I have explained what happened, I have a voicemail from them promising the work they would do, I have submitted pictures with this email, included the case details from wyoming dept of consumer protections unit against the XXXX w/ the docket number. I have found evidence they're going state to state and doing this. They have a judgment against them trying to collect thousands of dollars to past people they have taken advantage of, I'm not the first. I have included reviews I found online of people sharing their stories, I have shown information I have found with multiple business names, differences in address that end up being XXXX boxes. I'm not sure what else to do. If I can not get this resolved with Citi Bank, I'll have no other choice but to hire an attorney, with all this information I '' ve provided, it blows my mind that today 's phone call with Citi Dispute dept that they would need any additional info. They have a pattern of what they are doing to people and it's not right.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84660
Submitted Via: Web
Date Sent: 2023-08-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-22
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: I am writing to formally request a copy of the Form 1099-C ( Cancellation of Debt ) related to my account, which was charged off. Pursuant to Section 6050P of the Internal Revenue Code, I am entitled to receive this document for accurate tax reporting purposes. Additionally, I am writing to express my serious concern regarding the ongoing adverse impact of the charge-off associated with my account on my credit report. This continued reporting may potentially violate provisions of the Fair Credit Reporting Act ( FCRA ), including but not limited to Section 623 ( a ) ( 3 ), which stipulates that information reported must be accurate and not misleading. In light of the aforementioned concerns, I am formally requesting the following actions be taken : * Provide me with a copy of the 1099-C for the referenced account within 30 days of receiving this communication, as mandated by Section 6050P of the Internal Revenue Code. * Rectify the status of the charge-off on my credit report to ensure compliance with the Fair Credit Reporting Act ( FCRA ), specifically Section 623 ( a ) ( 2 ), which requires that information reported is not outdated and is accurate. Failure to comply with these requests may constitute violations of applicable federal laws, including the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other relevant regulations. It is my sincere hope that we can resolve this matter amicably and avoid any further escalation. Your prompt attention to this matter is appreciated. I look forward to a swift and equitable resolution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85044
Submitted Via: Web
Date Sent: 2023-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-22
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: I placed an order with XXXX on XX/XX/XXXX and was sent in the incorrect item. Item was returned to XXXX with tracking confirming delivery. XXXX XXXX page confirms return received and refund processing but never actually received refund. Contacted Citi in XX/XX/2023 and was told to try and resolve with XXXX and that I can dispute within 6 months if not resolved. Contacted Citi again XX/XX/2023 and was told dispute in process. Contacted Citi again later XX/XX/XXXX because Citi started a fraud claim and close my card which was not what I requested. Citi representative said she fixed the issue Contacted Citi again XX/XX/XXXX because I still cant see any disputes and now Im being told none of the information I was given was correct at all and I needed to send a letter to Citi. The representative on the phone was not surprised or concerned at all that I had been repeatedly given bad information and claimed Citi Back does not guarantee the accuracy of information provided by their representatives and that I should not have trusted them. This is very disheartening to hear especially from a financial institution. In attachment you will find XXXX order and return page XXXX tracking page Citi card statement
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 808XX
Submitted Via: Web
Date Sent: 2023-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-22
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: Disputed charge for XXXX on XXXX. I told credit card company Citi that I did not receive service. Nobody waited on us. for 3 hours..The person on the phone said Oh did you cancel? I said no I never received service. We had to be at our destination by XXXX. I walked across the rental to XXXX who waited on us immediately. Citi did reverse charge and later on XXXX I saw they recharged it. I sent in my dispute in writing and now received on XX/XX/XXXX letter stating there is nothing they can do. I called Citi rental and they have no record of a reservation for a car from me. I talked toXXXX XXXX off site XXXX. I talked to XXXX. She had no reservation or service provided me. I have an additional charge to prove I rented from XXXX instead. The person who answered phone obviously put down the wrong reason. They are trying to say I changed my story. Not the case. Received no service from XXXX XXXX made through Citi travel.! Please help me recover my XXXX. I have always paid bills and have not had this problem before. I also lost rewards points. Citi rewards promotes Citi travel .Citi card says they are no affiliated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 544XX
Submitted Via: Web
Date Sent: 2023-08-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-22
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I advise I can not use the card to make purchases because I attempted to make a payment on their app today, and it directed me to call them. They will not do anything with my account until they send me a reference number. They would also not allow me to add the card to the XXXX app ( its the Citi Costco card ), or add it to XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85208
Submitted Via: Web
Date Sent: 2023-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A