Date Received: 2023-08-03
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: On XX/XX/XXXX a company XXXX ( XXXX ) XXXX called me with threatening language saying they were contacting me a " serious civil action against me ''. This made me feel very anxious. They claimed to have attempted to " serve me '' at a previous address. For the record, for the over the past year I have been dealing with a serious XXXX condition that required hospitalization, XXXX home stays, independent living, and a cross state move to be close to my clinic. XXXX is a HUGE trigger for my condition. I legally reported my address change by forwarding all mail to a relative while in XXXX homes and subsequently changed my permanent address with the USPS on XX/XX/XXXX after moving into independent living where I currently reside. This company claims to have tried to serve me at my former address, although they did not have a specific date when I asked the very rude lady. After talking with this very aggressive female, she did not want to answer who this XXXX company was and just gave me another number for a company with a reference number. The name of this company she said was called XXXX XXXX ( XXXX ) XXXX reference # XXXX XXXX XXXX. I immediately called the number and spoke to a male identified as XXXX XXXX. This gentleman spoke quickly and aggressively stating he was trying to collect a debt and court cost filings for a Citibank Visa credit card. Firstly, I know I do not have ANY credit accounts in bad standing. Secondly, I started to remember that a few years ago I got a similar string of threatening calls from a company I thought had a similar name. I did not report this to the CFPB or FTC because I did not know I should. I reported it to my paid ID Alert service from XXXX XXXX Bank as I believed it was an attempt to collect money and gather sensitive information. I looked back at my records and found that the same company XXXX had my full SS # and phone number and was threatening to have someone come over to my house and serve me within a " business day '' and was offered to pay a settlement over the phone. When I asked for everything in writing and gave them my email, I never got the email. In XXXX there was never an additional company called XXXX XXXX. I then reported it to my ID Alert Service as I had been a victim of identity theft in the past that had been reported properly to police. So, on XX/XX/XXXX, I tried to ask XXXX XXXX questions about XXXX XXXX and this " alleged '' account, but he tried several times to redirect me by saying, " I am just trying to work with you. I can get you a settlement so you will not have to pay the full amount owed or the court costs ''. He said I owed {$1900.00} on a Citibank Visa credit card opened in XXXX and it was paid on for 2 years. He had last XXXX of my SS # and said it was attached to the account. He also said I owed {$25000.00} in court costs associated with collecting this debt. I knew I did not have this credit card and I also knew XXXX was so inappropriate. I asked him why in over 10 years have I never received any notification from the original account holder about a debt or in that matter an official letter from XXXX, XXXX XXXX or anyone saying there would be legal action. He claimed a letter had been first 40 days then 60 days ago sent to my former address but since I moved that is why I had not received it. Every time I unknowingly gave him more information, he had an excuse, or the circumstances changed from a certified letter to a mailed letter. I knew if this was legitimate process/server, they could easily have found my updated address. I tried to collect facts. I asked for EVERYTHING we just spoke about including the original account holder name with contact information, account number, his company 's address and phone number and the amount owed with court costs to be provided to me in writing through XXXX mail. He said since I had " moved so much '' ( XXXX time ) I should give him my email address to " get things moving faster. '' I provided my email address and within a half hour a letter was sent. I also knew this to be a red flag, if this collection was legitimate a mailed letter through XXXX would have been customary. Meanwhile, I goggled XXXX XXXX and saw a few others had experienced scam type calls with threats trying to collect for debts that were not legitimate. Their website did not have a posted company address or phone number, just business hours and an online submission form for contact. The website had not been updated since XXXX. I found these to be red flags. I found by company address provided on the emailed debt letter that the corporation XXXX XXXX XXXX had only been in operation for 7 months and had many prior state 's locations which also raised a red flag. The debt letter received by email was very basic, it did however contain the same graphic as the website. There was no mention whatever of the outrageous court costs mentioned by both callers. There was no contact information about the original account holder but there was an account number. Also, there was a very poorly placed legal footnote I assume put there to make this seem legitimate and also threatening to include some legal verbiage. The letter was signed by someone else, not this XXXX XXXX who I had spoken with on the phone. More red flags. I checked my credit reports from all XXXX agencies just as I did in XXXX and found no such Citibank Visa opening in XXXX or being paid upon for 2 years. I did not reply to the email. On XX/XX/XXXX XXXX XXXX called me from the same number on the debt letter speaking again very quickly and aggressively. I even asked him slow down and not speak over me telling him I had medical conditions and that he was being very unprofessional. He said if I did not make arrangements with him today and pay a settlement then I would be served and would have to pay a lot of court costs. His response when I told him that I checked all XXXX credit reports for this account was that it would not be on there because the original account holder was trying to reach a settlement before going for a judgement. He said because it was not a judgment it would not show up on my reports. I said I am talking about the original account being opened in XXXX as you stated yesterday and being paid on for 2 years. He did not have an answer but rather repeated himself repeatedly and continuing to talk over me. For the record, my credit history reported to all XXXX agencies speaks for itself. There was never an " alleged '' account opened. I have an excellent track record of XXXX late payments holding multiple credit cards accounts. I think the scare tactics, use of legal jargon and repetitive threat of legal action/fees is meant to scare people. Unfortunately, when you have a XXXX XXXX like mine, the XXXX does trigger more health issues for me. This needs to stop. Please, I need your help investigating and punishing this organization.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48186
Submitted Via: Web
Date Sent: 2023-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-03
Issue: Problem caused by your funds being low
Subissue: Bounced checks or returned payments
Consumer Complaint: and I am writing this letter to inform you about a dispute that I filed with CIT BANK and has been denied to be refunded after all the explanations, documents, report I have made to notify CIT that a BIG SCAM was initiated with my account. Below, are the emails I have received from the so called company XXXX XXXX stating that they will refund me my money and till today nothing has been done. I have called you dispute department many times, speak to different supervisors, seeking for their help to let me recover my money, all they say do not worry CITI BANK is doing their best. The next day, I get a letter that it has been denied. I have tried everyday to see how I can fight for my refund but everytime I call, the supervisor will say, a letter has been mailed. I do not feel that this is right that I am being treated wrongfully. My account with your bank was scammed including the use of XXXX. It all started last XX/XX/XXXX I was trying to find a transmission for my car and I came across this company called XXXX XXXX XXXX name is XXXX XXXX ). The man on the phone by the name of XXXX XXXX XXXX XXXX XXXX said they will deliver the merchandise Monday XX/XX/XXXX. He then instructed me to gt into my account with CITI after which could see that he was doing transactions in my account. I ask him what is XXXX said that is how they will get paid {$500.00} issued to XXXX XXXX and another {$500.00} issued to XXXX XXXX. Being XXXX XXXX XXXX what could I do. When Monday came, no delivery whatsoever. I then called CITI bank right away and informed them of what transpired, to cancel whatever has been done. Your representative from CITI sand not to worry. CITI protects the customers all the way. So I waited and was told to file a dispute and I did over and over again. Finally the last XXXX, XXXX reopened anther case number and said she will explain to the higher management department what scam was committed. I notified her this morning that there are 2 things CITI Dispute division should know : XXXX I called XXXX XX/XX/XXXX XXXX AND FILED A DISPUTE AND COMPLAIN against my account using XXXX to XXXX a payment. I was told by the employee that it is only CITI who can reverse the amount if it is a scam that was committed on my account. He said especially CITI BANK, XXXX, XXXX XXXX XXXX XXXX XXXX These are banks who protect their customers. XXXX I made a call yesterday morning to the man XXXX XXXX and was able to speak to him and ask if I was refunded, I told him NO and he said hold on, next think I know he was in my account by typing the word XXXX. I asked him why can he see my account and said that I should make a deposit of XXXX to my account since I only had {$4.00} cents balance. He goes into my transaction and saw there was a withdrawal of {$12000.00} and another for {$7000.00}. He ask me where is the money and I said it was for the funeral expenses for my brother XXXX XXXX, consisting of the coffin, plot, church funeral parlor and more. He said the only way he can refund my money is if I will make the deposit to CITI bank. Then he close the phone and had it disconnected. I happen to be a victim of being scammed by them for {$19000.00} and I had to fight my way to recover my money. I made a report to the FBI, made a police report with XXXX Police XXXX, wrote a letter to XXXX XXXX, wrote a letter to CITI bank and went to XXXX XXXX as well. With the help of XXXX and hard work, XXXX finally refunded me. But now, CITI is the one that is giving me a very very hard time. Please I beg kneeling down through this email and look into my case of being a victim of the scammers who get XXXX XXXX I apologize for emailing you directly but as a XXXX XXXX XXXX XXXX who lives on social security, I was left with another alternative and seek for your help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95008
Submitted Via: Web
Date Sent: 2023-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-03
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I filed a previous complaint on this but Citibank failed to respond to the issue and addresses something else in error. I need them to respond to the charge that was fraudulently made by the merchant on XX/XX/XXXX, not the other issue in XXXX of XXXX. I have read through the response from the Citi Executive Response Team. Their statement of fact is incorrect. Their records, as stated, are also incorrect. Their letter, regarding a dispute from XX/XX/XXXX, is not the dispute to which I am referring. Their statement that the credit was issued on XX/XX/XXXX for this XXXX dispute is correct. Again, this is a different transaction than the one I disputed on XX/XX/XXXX. The issue here is that on XX/XX/XXXX the merchant ( XXXX XXXX XXXX WA ) fraudulently charged my card AGAIN for the amount of {$220.00}. This was a second, unauthorized transaction. My assumption was that when the original dispute was found in my favor the merchant still had my credit card information and ran a second ( again, unauthorized fraudulent charge ) on my account. After that XXXX XXXX cancelled my card at my request and issued a new one with a new account number. So again, the Citi Executive Response Team was incorrect in that this dispute ( XXXX XXXX, XXXX ) was regarding the charge on XX/XX/XXXX. The correct charge that the XXXX XXXX dispute was for was the fraudulent second charge by XXXX on XX/XX/XXXX. I have attached a copy of Citibank 's erroneous response from my previous complaint for the record. I have also attached a copy of the statement with the charge highlighted. Again, this is NOT the XXXX issue, this issue is seperate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97132
Submitted Via: Web
Date Sent: 2023-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: According to Section 602 of the Fair Credit Reporting Act, 15 USC 1681, " there is a need to ensure that consumer reporting organizations execute their grave duties with fairness, impartiality, and a regard for the customer 's right to privacy. '' I am the Consumer, and XXXX and XXXX are consumer reporting companies. XXXX5 USC 6801 states that " it is the intention of the Congress that each financial institution has an affirmative and continuous commitment to respect the privacy of its customers and to maintain the security and confidentiality of those customers ' nonpublic personal information. '' Furnisher of information to credit agencies is, by definition, a financial institution. Section 604 a section 2 of 15 USC 1681 reads 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. '' The financial institution and the consumer reporting companies, XXXX and XXXX, do not have my consent to supply this information, and they certainly do not have my written authorization. Any and all verbal, nonverbal, written, implied, or other agreement to XXXX, XXXX, or all financial institutions are revoked. Also, 15 USC 6802 ( b ) ( c ), " a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unlessthe consumer is provided with an explanation of how the consumer might exercise that nondisclosure option. '' I was never informed of my right to exercise my nondisclosure option by any financial institution. Not only that, but 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 criminal convictions that predate the report by more than seven years. '' This account is an adverse item they are reporting without my permission which is illegal. " 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, according to 15 U.S. Code 1681s2 ( A ) ( 1 ) A. " Every consumer reporting agency shall maintain reasonable processes designed to avoid breaches of part 1681c of this chapter and to confine the provision of consumer reports to the objectives indicated in section 1681b of this title, '' according to 15 U.S. Code 1681e. Reasonable procedures are not being maintained by XXXX and XXXX. Also, according to 12 CFR 1016.7, " a consumer may exercise the right to opt out at any time. '' I am declining your reporting services.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77316
Submitted Via: Web
Date Sent: 2023-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I AM FORMALLY DISPUTING IMPERMISSABLE INFORMATION IN MY CONSUMER REPORT ORIGINATING FROM CITIBANK NA ( Account # XXXX ). I INSTRUCTED THIS PRIVATE INFORMATION NOT BE SHARED PRIO TO THEM DOING SO. UNDER THE FCRA, SECTION 1681a ( d ) ( 2 ) ( i ) EXCLUDES INFORMATION SUCH AS TRANSACTIONS AND EXPERIENCES WHICH ARE SOLEY BETWEEN A CONSUMER AND THE FURNISHER FROM BEING INCLUDED IN A CONSUMER REPORT, HOWEVER CITIBANK NA FURNISHED PROHIBITED TRANSACTION DATA TO CRA 'S AFTER I OPTED- OUT OF SHARING UNDER THE GLBA. THE XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXXXX/XX/XXXX ) CASE PROVES THAT FURNISHING FACTUALLY ACCURATE BUT IMPERMISSIBLE INFORMATION PROHIBITED UNDER FCRA 15 USC 1681a ( d ) ( 2 ) ( A ) ( I ) CREATES LIABILITY FOR VIOLATIONS. THEREFORE, INCLUDING PERSONAL TRANSACTIONAL DATA EXCLUDED UNDER THE FCRA CONSTITUTES A FAILURE TO COMPLY WITH FEDERAL LAW AND IDENTITY THEFT UNDER ( XXXX XXXX XXXX ) CRIMINAL CODE 2012.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 606XX
Submitted Via: Web
Date Sent: 2023-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-03
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I have had my Citi card for probably almost 20 years at this point. Lately I have been using them for 0 % balance transfers. I transfer the balance and then pay it off when the promo rate expires. I have done this at least 3 or 4 times now at this point. In XX/XX/XXXX when a balance transfer promo was expiring I made the extra payment to Citi and messaged them to confirm the payment of {$1600.00} ( the balance transfer balance was {$1500.00} ) would be applied correctly to that balance. I was told that it would, the rep even offered to refund back a small amount of interest which had accrued on that balance. I said, no worries, as long as the payment was correctly applied I was fine. It was not correctly applied. It was applied to some other balance which did not have the higher APR rate. I noticed a couple months later when I was being charged 24.49 % on this still outstanding {$1500.00} amount. I called Citi several times explaining the issue. They told me they were opening up a " case '' but they could never give me any case number so I had to constantly re-explain the issue every time I call. They never have any answers and tell me to either check my statement or wait for communications. I called today to check in and the rep, again, had no idea what I was talking about. I got so fed up I told them I wanted to dispute the interest charges that have been accumulating on that balance since my payment was applied incorrectly. We went around and around on the phone and the rep said they could not refund or dispute those interest charges until the entire balance of my card $ 5k was paid in full. I told her I could not pay that now and that I still wanted to dispute those interest charges. I made the payment on the {$1500.00} balance ( who knows if it will be applied correctly ) and continued to ask for a refund or dispute the charges. I finally asked for a supervisor which she placed me on hold for, came back in, said the supervisor was there, no one answered and then the phone disconnected. This is unacceptable and I have been more than patient while they looked into their mistake. I do not even think there was a " case '' open. I believe this is deceptive and at minimum I should get the {$9.00} charged on XX/XX/XXXX, {$29.00} charged on XXXX, {$32.00} charged on XXXX, and {$34.00} charged on XX/XX/XXXX refunded back to me. I have not received the most recent statement for XXXX, but that will probably be even more. This is predatory practices and deceptive for consumers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 285XX
Submitted Via: Web
Date Sent: 2023-08-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-03
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On two occasions this year I had fraudulent charges made on my credit cards that I immediately notified my credit card company about but in both cases I was told that a chipped card was used so could not have been fraudulently used so my claim of fraudulent charges were denied. First time was with my Citi Visa card on XXXX at my local XXXX grocery store for over {$600.00} and the second time was at the same XXXX store with my XXXX XXXX on XXXX for almost {$300.00}. In both cases, I had purchased gasoline at this same XXXX store before the fraudulent charges were made ( the same day for my Citi card and one month previously for my XXXX card ). In both cases the credit card company said that because my card 's EMV chip was used and the card was in my possession ( I am certain of that ) then the claim was denied because chips " are unable to be fraudulently used ''. XXXX did not respond when I sent them details of what had happened. Clearly criminals have learned how to fraudulently replicate chipped cards and I really would like to discover how many other people have had this same experience with their credit card companies when they report the fraudulent use of their credit cards that have an XXXX chip and have been denied recompense by the credit card company. These companies are denying the vulnerability of these chipped cards which puts the consumer at a huge disadvantage.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77008
Submitted Via: Web
Date Sent: 2023-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-03
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: AS OF XX/XX/2023 I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT MACYS/CBNA XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Charge account Charge account Charge account Bureau Code : Individual Individual Individual Account Status : Open Open Open Monthly Payment : {$30.00} {$30.00} {$30.00} Date Opened : XXXX XXXX XXXX Balance : {$1800.00} {$1800.00} {$1800.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$1800.00} {$1800.00} {$0.00} Credit Limit : {$2800.00} {$2800.00} {$2800.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XXXX XXXX XXXX Comments : - - Charge Amount in H/C column is credit limit Date Last Active : XXXX XXXX XXXX Date of Last Payment : - - XX/XX/ Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT DISPUTE RESPONSE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY. PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE BUREAUS AND COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11722
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-03
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: I opened a Citibank credit card in XXXX. I have used it as my primary credit card since that time, and have used it as my sole credit card since XXXX. For the past few years, Citibank has failed to report my credit card -- which I have had for 26 years and have paid on-time for all of those years and in full for well over a decade -- to XXXX of the XXXX major credit reporting bureaus. While this was a minor annoyance in the past, I would now like to take out a home equity line of credit to replace my roof and fence. Because Citibank does not report my card, which would be the oldest trade line on my account and would have a sizeable impact on the percentage of credit available to me that I access ( it has a {$25000.00} credit limit. I use between {$3000.00} and {$5000.00} each month and pay that amount in full each month ), the non-reporting means that my credit file is thin and that my score is lower than it should be. I opened a new credit card XXXX months ago because I need something on my credit report. I was denied for XXXX cards and finally approved for XXXX with a {$2500.00} limit because my credit file appears thin and my score is lowered due to the non reporting of this longstanding, paid in full and on time, tradeline. I have called the credit reporting bureaus and they tell me there is nothing they can do. I periodically call Citibank and the customer service rep claims to escalate my concern to an " offline '' group that I can not talk to. Then, I get a form letter in the mail about a month later telling me that their investigation concluded that I can report my concerns about my credit to them at any time. This is not a solution. I need access to credit so that my house doesn't fall into disrepair and Citibank 's decision not to report my payments on this very longstanding card are hurting me. I'm doing what I can to build my credit but having a {$2500.00} credit limit on a brand new card isn't doing much. Also, the last time I called Citicard, the customer service rep offered to connect me with a XXXX who could discuss my credit reporting issue. He transferred me to XXXX. Which can not help me. When I contact XXXX, there are not human beings that answer their phone. I am able to go on XXXX 's website where I can giver permission to XXXX to link to my Citibank credit card to pull monthly payments that it alleges will improve my score, but even though they are going through my credit card payments and charges, they can not add my credit card to my file. I can not even with this. XXXX has staff who answer the phone, but they can not provide any information about how to fix this problem other than to call Citibank again, which I've explained is useless. This has been going on for years now, and it was kind of silly at first, but I now realize that it is actively harming my ability to function in society even though I have a well-paying job and decades of on-time payments. I am out of hope and ideas and am just waiting for the day that my roof starts leaking, damaging my home because no bank will lend to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27701
Submitted Via: Web
Date Sent: 2023-08-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report notation of the following late payments ( XXXX ) is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation, date and balance whether reported or not { Department Store National Bank MACYS and Account number XXXX } I also respectfully request to be provided specific proof that theses alleged late payments were in fact late. I request to see all statements and payments transaction records from the you as the creditor that would proof that my payment was not submitted on time. It is my understanding that I must verify these items with the reporting creditor ( Department Store National Bank MACYS ) for accuracy. If they are unable to provide that proof, or if lacking proof of these payments being late, please update my payment history to PAANL status ( Paid As Agreed Never Late ) according to consumer protection laws. In addition in accordance to the Fair Credit Reporting Act ( FCRA ) Code 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Furthermore as per the Fair Credit Reporting Act ( FCRA ) Code 15 USC 1681 Section 602 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. Where is my right to privacy, when your reporting to the credit bureaus about alleged late payments? Over and above that, by means of the Fair Credit Reporting Act ( FCRA ) Code 15 USC 1681a ( 2 ) ( B ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11226
Submitted Via: Web
Date Sent: 2023-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A