Date Received: 2024-02-19
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30052
Submitted Via: Web
Date Sent: 2024-02-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-19
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: somebody my id theft and make credit card and used it.. but I did not realized that
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90630
Submitted Via: Web
Date Sent: 2024-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-19
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I am writing to file a formal complaint against Citi Bank, the lender for my Home Depot credit card, for what I believe to be repeated and egregious violations of the Fair Debt Collection Practices Act ( FDCPA ). Despite my efforts to communicate with them regarding my account 's current status, their practices have continued unabated, causing significant personal distress. Account of Events : Citi Bank has made repeated calls to my phone number, often hanging up before I can engage in conversation. Here is a breakdown of their calling pattern : XX/XX/2024 : XXXX calls XX/XX/2024 : XXXX calls XX/XX/2024 to XX/XX/2024 : XXXX calls each day On XX/XX/2024, I informed a representative that their calling pattern was in violation of the FDCPA, specifically the provisions against causing annoyance, abuse, or harassment through repeated calls. The representative merely apologized and proceeded with the call, ignoring my concerns. Impact on Me : These repeated calls have caused me considerable XXXX and XXXX, significantly impacting my daily life and well-being.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33411
Submitted Via: Web
Date Sent: 2024-02-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-19
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 reason for the dispute was due to delivery of the flooring that I purchased. When the merchandise was delivered I had received a call from the 3rd party service that Home Depot uses for delivery letting me know that they were on their way and they were delivering, at the time I was on my home driving. I informed the person I was speaking with to " Please the merchandise BY THE BACK DOOR '' so that it would be easier to bring the items in due to the kitchen being right there. When I returned home the merchandise was delivered on a palletized pallet wrapped with saran wrap " Thrown '' on my front lawn. I went to the store after I noticed this and I informed the manager at the time that the merchandise was not delivered in the area that I asked it to be in and that there was no way for me to move all that stuff by myself to the kitchen. She stated that I would have to pay for them to go back and pick up the merchandise. This was during XXXX XXXX weekendXXXX XXXX XXXX was going to be the upcoming XXXX. She stated that there would not be anyone to pick up the merchandise until then based on what the system was stating. I let her know that I was going out to town for the weekend the next morning and that the merchandise could not stay there all weekend. I also let her know that the area that I live in a HIGH THEFT area and with kitchen flooring materials sitting in the front lawn for anyone to come and take was possible. She set the delivery for that XXXX ( XXXX XXXX ), I received XXXX call from the XXXX party service that picks up and the guy did not speak fluent XXXX and hung up on me. That was the ONLY time that I communicated with home depot about the pick up after the fact. When I returned home later that evening there was nothing there. Since then I have been disputing the entire purchase from my credit card, however they continue to say that I am responsible for the merchandise that I do not have. I have reached out several times to the store manager due to credit services stating that they dispute needed to be resolved through the state, I spoke to the store manager ( XXXX ) ONCE and that was it. She stated that she was going to reach out to the delivey/pick up company that home depot uses via email and woul reach back out. I have since attempted to call the store several times asking for her and each time she is either not in or just left for the day or will be in tomorrow. I have also sent emails to her as well as follow ups with no response. Ive disputed with the credit bureaus with no resolution either.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60804
Submitted Via: Web
Date Sent: 2024-02-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-18
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: XXXX XXXX XXXX issued refund amount {$7900.00} to my Citicard personal account. On XXXX Citi customer phone agent was given my refund request to be electronically transfered to existing personal bank account on file. Agent issued confirmation # XXXX that refund will be transfered " in 3 to 5 business days per policy ''. On XX/XX/XXXX Citi cust. phone agent-phone # XXXX was informed refund not received & asked where {$7900.00} was. Agent reported, " refund is in your account & cited 5 business day policy. I demanded refund per policy as this date was 4th business day. On XX/XX/XXXX apprx. XXXX Citicard personnel identified as " branch manager '' issued confirmation # XXXX " expedited transfer '', that previous confirmation # XXXX was reviewed from XXXX refund request, and {$7900.00} to existing bank account after reviewing route, acct number with branch manager and transfer will be in " 34-48 hours ''. On XX/XX/XXXX apprx XXXX Citi customer phone rep notified refund not received. My demand to branch manager or supervisor was denied rep stated & rep stated she was told to inform me that the refund request " will take 5-7 business days. ". Please help me with receiving my refund. Citi has not responded to transfer my refund and not co-operating at branch mgr level
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60169
Submitted Via: Web
Date Sent: 2024-02-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-19
Issue: Problem with a company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I am a victim of identity theft. CBNA ( Citibank , North America ) has been furnishing an account to XXXX, opened by identity theft using my personal information after receiving a request to stop reporting this fraudulent identity theft account to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) and section 623 ( a ) ( 6 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 6 ) ( B ). I did not open or authorize this account so it is therefore inaccurate. I previously notified CBNA that I am a victim of identity theft, and requested that CBNA do the following : 1. Close the unauthorized account, 2. Remove any charges on the unauthorized account, and 3. Take steps to remove information about this account from my credit files. The identity theft account is as follows : Account number : XXXX ; Status : Charged Off ; Balance : {$1800.00} ; Date Opened : XX/XX/year> ; I have asked CBNA to please remove any charges on the unauthorized account, take steps to remove information about this account from my credit files, stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible, and to please send me a letter explaining your findings and actions. But I have not received a written response from them in over XXXX days, which is a violation of section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77346
Submitted Via: Web
Date Sent: 2024-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-19
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I opened a new Citibank Accelerate Saving account back in XX/XX/XXXX and XXXX successfully deposited different amounts from my different checking accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. and each month from the date of opening i transferred some money i put in the side from my paycheck. everything was fine i deposit a total of XXXX $ till XXXX i transferred money XXXX $ from Citi bank to my XXXX XXXX XXXX Citi bank called me to confirm the transaction i told them it was me in the next two day in XX/XX/XXXX i try to login to Citi bank account i saw my saving accounts block deleted they block my account without let in me know in XX/XX/XXXX I received an email from Citibank that my account will be closed within 60 days. The email simply states : Based on a recent review of your account, we found that you have violated the terms per the client manual. There were no specifics given in the email as to what terms exactly I violated. I contacted Citi twice on XX/XX/XXXX and XX/XX/XXXX, both Citi representatives quoted the same statement in the email without adequate explanation why the account is closed. When I asked them how to get a get my money back, they said I will be receiving a mail with detailed statement and a check of the remaining balance, to let them know there's no fraud in my account. if they suspicious fraud they could contact me and confirm with me before they take any action my account and my money i should be concerned with that
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30328
Submitted Via: Web
Date Sent: 2024-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-19
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: In XX/XX/XXXX, I made a roundtrip flight reservation from XXXX to XXXX through XXXX. The booking, charged at {$5000.00}, was shown as XXXX XXXX on my credit card statement and was made under itinerary number XXXX with a departure date of XX/XX/XXXX. Subsequently, due to unfolding COVID-19 circumstances, I rescheduled my departure to XX/XX/XXXX. Said action resulted in a decrease in fare to {$3000.00}. During this process, XXXX gave written assurance ( available as email proof ) to provide a difference of {$1900.00} ( $ XXXX {$3000.00} ) as future travel credit with XXXX XXXX XXXX In XX/XX/XXXX, as COVID-19 situation continued to cause uncertainties, I cancelled my travel plans after speaking to XXXX as they confirmed over phone that the ticket value will be available as travel credits and can be leveraged for a same flight on a later date between the same origin and destination and same passengers. However, a partial refund of {$1900.00} was credited back to me in my credit card and none of the other assurance of a future travel credit was availed to me. There was no explanation provided as to why {$3000.00} is being charged and no further explanation was provided. Since, no clarification was provided on the remainder of the refund amount or fulfilment of the promised booking credits. Thus, I lodged a complaint - complaint number XXXX- with the Department of Transportation ( DOT ) to secure proper refund. On XX/XX/XXXX, in response to my complaint, XXXX offered an explanation ( attached ) and issued a refund of {$3000.00}. I assumed that the matter was closed. Yet subsequently, on XX/XX/XXXX, four transactions from XXXX XXXX totaling the exact refund amount ( {$3000.00} ) were processed on my credit card. In reference to DOT case XXXX, I reopened the case, reporting that XXXX unfairly charged my credit card ending with XXXX. XXXX responded ( attached ) that they did not initiate any charge. I raised complaint to Citi, also contacted XXXX XXXX and XXXX. Both XXXX XXXX and XXXX denied any transaction However XXXX XXXX has responded to Citi that they believe that the transaction was genuine and they have charged the account. On XX/XX/XXXX - Citi reversed the charge and asking me to pay when I did not authorize any transaction. XXXX XXXX never communicated anything with me. My communication was with XXXX. XXXX initiated a full refund on XX/XX/XXXX and closed the DOT case and I assumed the matter closed. Now XXXX XXXX is extracting the same amount from me without any communication or consent. I consider this a fraud as XXXX XXXX did not communicate anything before charging {$3000.00}. I complained to Citi about this charge with all the supporting evidences, but Citi cards is not paying any attention to the case history and reversing the temporary credit that they applied on my request to designate the charge as fraud. I am looking for justice
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60564
Submitted Via: Web
Date Sent: 2024-02-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This was the letter I sent the FTC... I am writing to file a formal complaint against all three major credit bureausXXXX, XXXX, and XXXXgarding discrepancies in my credit report and the ongoing reflection of a poor credit history, which has severely impacted my financial well-being. My personal information, including my Social Security number, has been compromised in the past, leading to fraudulent activity and erroneous entries on my credit report. Despite repeated attempts to rectify these inaccuracies, the credit bureaus have failed to address the issues effectively, resulting in continued harm to my creditworthiness and financial standing. The discrepancies in my credit report have led to unjust denials of credit applications, making it increasingly difficult for me to access necessary financial resources for basic living expenses. This situation is unacceptable and has caused significant distress and hardship for me over the years. I urge the Federal Trade Commission to intervene in this matter and take appropriate action against the credit bureaus for their negligent handling of my personal information and their failure to comply with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. The FCRA mandates that consumer reporting agencies, such as XXXX, XXXX, and XXXX, maintain accurate and up-to-date information in consumers ' credit reports, which clearly has not been the case in my situation. Furthermore, I believe that the credit bureaus ' disregard for my previous claims and their continued inclusion of inaccurate information in my credit report constitute a violation of Section 611 of the FCRA, which requires them to conduct a reasonable investigation upon receiving a dispute from a consumer. I find it unethical and unprofessional for these companies to neglect their duty to ensure the accuracy of consumers ' credit reports, especially considering the significant impact that such inaccuracies can have on individuals ' financial lives. I request that the Federal Trade Commission thoroughly investigate my complaint and take decisive action to compel the credit bureaus to correct the errors in my credit report, cease any further dissemination of inaccurate information, and implement measures to prevent similar issues from occurring in the future. I believe that the credit bureaus ' conduct violates several provisions of the Fair Credit Reporting Act ( FCRA ), including : * Failure to maintain accurate credit information ( FCRA 623 ( a ) ( 1 ) ( A ) ) * Failure to conduct a reasonable investigation of disputed information ( FCRA 611 ( a ) ( 1 ) ( A ) ) * Failure to correct or delete inaccurate information ( FCRA 611 ( a ) ( 1 ) ( B ) ) * Failure to provide a complete and accurate disclosure of consumer rights ( FCRA 609 ) Thank you for your attention to this matter. I look forward to your prompt response and resolution of the issues outlined above. Sincerely, XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32806
Submitted Via: Web
Date Sent: 2024-02-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-18
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: Some purchases were made for {$100.00}, {$420.00} and {$89.00} and all were returned to the Best Buy store and they issued their receipt and the credit to the Citibank Best Buy Credit Card is recorded, but said amounts have been in the state for more than 5 months. account and the bank and the store blame each other and no one has removed said amounts and they continue to bill me for them on the account statement. Correspondence and chat have been sent with bank support and they solve nothing, they blame the store The Credit card is only for purchases at Best Buy
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34238
Submitted Via: Web
Date Sent: 2024-02-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A