Date Received: 2023-08-10
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Someone fraudulently applied for a Best Buy credit card and account using my personal information on XX/XX/2023. On XX/XX/2023 I received a letter from Best Buy Credit Services informing me of a denial of application due to my SSN not matching the SSN on the credit bureau report. The consumer reporting agency used was XXXX. Due to the letter I received I was made aware of the fraudulent inquiry and credit card application using my personal information. I immediately got a credit report from all XXXX, XXXX ; XXXX ; XXXX, consumer reporting agencies and filed a dispute with XXXX which showed a Hard Inquiry with CitiBank NA., Best Buy made on XX/XX/2023. I will be filing a police report and be taking all necessary steps in order to have this fraudulent hard inquiry removed from my credit report. Credit report freezes and locks are in place since being aware.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77070
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-10
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: This complaint is in regard to XXXX credit card accounts but I believe began with the inappropriate actions of my Citi credit card account. I have worked very diligently to build and maintain my credit in an effort to purchase my first home for my wife and myself. I was successful in obtaining a mortgage and did indeed purchase my new home. I applied and was approved for a Citi credit card which I used for making purchases to furnish my new home. I never went above my spending limit nor was I ever late with making timely payments on this or any of my credit accounts. I also have XXXX XXXX XXXX credit card accounts which I also used for this purpose. My income and budget were always kept in mind when making any purchase, and I never extended myself to put my budget or capacity to repay in jeopardy at any time. I received a letter from Citi that stated that they had reviewed my account as well as other revolving accounts and had decided that I had too many balances at or near the credit limit. They were, therefore, closing my account from any further use but I was to continue payment of the balance remaining. Shortly afterward, I received similar notice of account closure from the XXXX XXXX XXXX credit cards. This was devastating to my credit risk scores on all XXXX bureaus because closing the accounts displayed a high usage of credit card usage with no available percentage of credit. The age of my oldest credit account also affected my scores as well as my ability to obtain new credit which has left me unable to refinance my mortgage rate when/if the rates come down. Credit scores are supposed to evaluate a person 's risk of repayment based on their historical demonstration of an ability to repay in a timely manner. The actions of Citi, as well as XXXX XXXX, did not take into consideration my income or my history of repayment when making this arbitrary decision. I will note that I was never contacted by either of these institutions to make a large payment toward the balances to prevent this untimely closure. I also believe it is quite unfair to give a person a line of credit while at the same time not anticipating that party to utilize it. Please assist me in righting this wrong caused by these institutions. With Kind Regards, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85142
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-10
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: On XX/XX/XXXX I got my account statement with an interest charge of {$78.00}. For the XXXX statement my pending balance was {$6000.00} which was paid in full on XX/XX/XXXX which is well before the due date of XX/XX/XXXX. This included the interest for my last month 's missed payment already. I checked with the citi representative on why I am being charged interest for the previous month 's balance when I paid it in full and before the due date and this is what I got in response - " When the statement balance is not paid in full, interest bills that month based on the daily interest accrued for that billing cycle. Then, on the following billing cycle, the remaining interest charge is billed. The remaining interest is the amount that accrued from when the last statement cycled until we received complete payment in full again. We require two consecutive payments be made in full on time for interest to stop accruing. '' This is when I learnt about Double Cycle Billing and also learnt that this is prohibited since the credit card act of XXXX. This is an unfair practice which is still being carried on without proper knowledge of the consumers since these terms are not published clearly and buried deep in the agreement. I urge the government to please take necessary action against big companies which keep on extorting money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95123
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-10
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: On XX/XX/XXXX, I opened a Bloomingdale 's store credit card a store and purchased several home good items for a total of {$490.00}. At the point of sale, the card application was completed and my physical card was received in the mail sometime later. My wife does not recall if and when a card in her name was received and lost. My card has always been in my possession. The purchases on XX/XX/XXXX were the only purchases I or my wife ever made on the Bloomingdale 's credit card. Following those purchases, {$12000.00} was charged to the card at in-person locations over the period beginning XX/XX/XXXX and ending XX/XX/XXXX which was around the time I became aware of the activity and cancelled the card. During this time, and unbeknownst to me, 4 payments on the card were made from my checking account totaling {$10000.00}. One payment of {$30.00} was made on XX/XX/XXXX that did not come out of any of my payment accounts. Several attempts to recoup these payments made for the fraudulent transactions and reverse the outstanding balance have been denied by Bloomingdale 's, citing insufficient evidence as well an unsubstantiated claim over the phone that identification was produced at the point of sale. On XX/XX/XXXX, they issued a letter stating their final determination has been made and the matter is considered closed. There was no appeal process outlined in that letter. I have made a single subsequent payment in the amount of {$140.00} on XX/XX/XXXX to keep my credit in good standing while attempting to resolve this issue. On XX/XX/XXXX, I filed a police report after researching further courses of action in a situation such as this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92677
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-10
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: The debt collectors who put unauthorized inquiries on my credit reports. The creditor of these inquiries did used misconduct and fraud while invading my privacy because I did not give them permission to pull my credit, nor did I give them permission to allow others to pull my credit at the same time. I did not give them written nor any permission AT ALL. The FCRA states it is against the law to report anything on my credit report that I did not authorize or want to be or should be not there!! I reached out through dispute XX/XX/XXXX on XXXX inquiries with XXXX that were not authorized, nor had my signature or anything to pull my credit and the investigation came back in one day from XXXX stating that this remains the same. How dare they come back in a day without any investigation with no change or deletion. Their bad tactics and incompetence behavior to help the customer is appalling. This was not authorized none of the inquires I disputed on all credit reports. I DID NOT AUTHORIZE ANY OF THESE INQUIRIES,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77007
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-10
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted you after you asked them to stop
Consumer Complaint: I sent them a cease and desist letter which they confirmed that they received in XXXX but they still contacted me after receiving the letter by sending me a letters on XX/XX/XXXX and XX/XX/XXXX which are FDCPA violations.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 754XX
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-11
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I am overseas at the moment- XXXX. I have a XXXX bank account as I am a XXXX XXXX. I attempted to transfer money from my Citibank XXXX account to my Citibank XXXX account. The wire transferred failed and Citibank XXXX wanted to verify my account. I am unable to verify my account as I do not have a XXXX based cell phone. They have locked out my account and I am unable to access. They offer me no other way of verification. The transfer is between two accounts I have transferred money between on numerous occasions for the past 10 years. I have no way of accessing my money. I can not close the account nor can I access. I am completely without necessary funds. Citibank Acc # XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-11
Issue: Credit monitoring or identity theft protection services
Subissue: Problem canceling credit monitoring or identify theft protection service
Consumer Complaint: When looking at my credit score and history, a credit card shows up that I have no idea of till just recently. It is 99 % capacity, $ XXXX out of $ XXXX. The card was made back in 2016, when I was a minor! This literally showed up on the credit report randomly like magic. There's literally no way for me to pay any of that cause I didn't spend it or have access to the card. I can not get a hold of the bank, CITIBank cause, again, I have no access to the account. Even with access to the account and me magically having that much money, credit score predictor shows that I can not revive my previously good credit score. I have had a fraud alert on the identity and credit for these last couple of months, so this is even more fraudulent, When double checking my credit through XXXX, I got a number to call support and the only human I got was for debit accounts. which wasn't helpful cause I have no idea any of the information that is associated with this account. How are they even connected to me but I don't have any access?! My ssn isn't even connected!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-10
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: On XX/XX/2023, my wife made two ACH transfers ( $ XXXX and {$22000.00} ) from XXXX by XXXX XXXX to Citi bank. I'm the secondary joint owner of XXXX saving account and the sole owner of Citi checking account. Citi suspects it's a fraud so that they closed the Citi account forcefully. In order to get the money back, Citi requires XXXX to send an Indemnification Agreement ( Hold Harmless Agreement https : XXXX ). However, XXXX said they don't have this process and can't do it. Now I'm in this deadlock and can't get my money back. I appreciate if you can help us negotiate with Citi and XXXX and find a way out.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98006
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-10
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: My mother opened a XXXX Credit card account. She wanted to purchase my son a PC and she was unsure if they had the one she wanted at the store where she lives, so she added me as an authorized user so if I needed to buy the PC from the store where I live. She asked me to help her manage the emails and bills so I told her she could use my email and address and I would be sure to help her by letting her know when her payments were due etc... .Next thing you know she is having some financial difficulty and it's my credit report showing past due. I have never gave anything like income a social sec number nothing. I tried to dispute through XXXX Twice and they keep saying I own the account and NO I do not. I just want this off my credit. She had 3 other cards from 3 other retailers and no issue at all because I have nothing to do with the payments or lack thereof, I was just helping her get something for her grandson and now I get to see my credit score drop drop in this economy it's awful. If they pull their contract they should see, she applied and provided her information alone. I wish I could get credit cards without providing my income employment social sec number etc, that would be lovely. This should be so simple and I guess they think because she is having issues paying her bills, they will ruin my credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 283XX
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A