Date Received: 2023-08-03
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: XXXX and The Home Depot are violating my privacy rights as a consumer. XXXX continues to report a late payment in XX/XX/XXXX. This is the release of my nonpublic financial information. Furthermore as a federally protected consumer I am now opting out of my nonpublic information being shared.15 U.S. Code 1637 says consumer credit cards are opened ended therefore it is impossible for me the consumer to be late upon this consumer credit account. Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77084
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: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I did not consent to authorize nor benefit from the following account ( s ). Block and Remove
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30127
Submitted Via: Web
Date Sent: 2023-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-02
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: A credit card was opened with my information, that I had no knowledge of. I've never used that particular bank before.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-02
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 the letter Citibank sent me on XX/XX/2023, it says " we have made every effort to resolve this dispute with the merchant and/or their bank but have not been successful. Unfortunately, the merchant is not willing to issue credit to your account. we no longer have any additional resource to pursue a credit for you through the dispute process. You will need to seek other means to resolve this matter. Our investigation is now closed. The letter mentioned above didnt really provide an explanation why the merchants declination is legit. Ive provided with Citibank all the supporting documents to prove my dispute is reasonable and grounded. If merchant can simply be not willing to issue credit without good cause, how can the consumer interest gets protected in the dispute process?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92656
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-02
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I signed up for a new checking account with a promotional offer. I have completed the requirements of the offer as described in the Terms and Conditions I was provided, which I have attached. They have not given me my XXXX promotional airline miles. Per the terms and conditions : the requirements were : {$1000.00} in deposits and {$1000.00} in purchases with debit card within 90 days of account opening. The T & C state that the deposit would be made on the XXXX day following satisfaction of requirements. XX/XX/23 - Account opened XX/XX/23 - All requirements satisfied I have contacted Citibank on three separate occasions : XX/XX/23, XX/XX/23, XX/XX/23 with no resolution. Please see conversations attached. The representatives all have different things to say, even though I've provided them with the T & C that I agreed to. I verified that I've satisfied the requirements. They've raised investigations with no resolution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 494XX
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-02
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 charge of {$710.00} with XXXX is being disputed due to their failure to provide full credit for a returned order, despite promising to do so. The items were returned within the specified XXXX time frame outlined in the merchant 's return policy, yet the credit received was less than the total amount charged. To support this claim, we have attached the necessary documentation including the merchant 's return policy, proof of return with the full address to which the package was returned, and confirmation of delivery tracking number. I contacted Citibank on XX/XX/2023, XX/XX/2023 and XX/XX/2023 to address an issue with Case ID : XXXX and requested that Case ID : XXXX be reopened. I am composing this letter to request that the investigation be reopened. To support my claim, I sent proof of return tracking via XXXX XXXX delivery confirmation, and a copy of my receipt from the merchant indicating that my Citibank Mastercard ending in XXXX should be credited {$710.00}. These documents were emailed to XXXX on XX/XX/XXXX, XXXX, and XXXX of XXXX. Please note that all documents were submitted before the investigation for XXXX ID : XXXX was complete. On XX/XX/2023, I received a letter from Citibank requesting additional information and a signed letter, which I provided and returned via email to XXXX on XX/XX/2023. However, on XX/XX/2023, the investigation was closed by Citibank, stating that the merchant issued a voucher. Nonetheless, I have not received a voucher from the merchant, rendering the dispute 's closure and my account 's rebilling invalid. As far as I know, there is no substantiated proof that a voucher was issued, and the merchant has not provided Citi with a copy of the voucher or any information on how it was issued. Therefore, I am requesting that the case be reopened. The merchant should provide a comprehensive explanation of how the voucher was issued, rather than implying its issuance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07030
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-02
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 have an active credit card account with Home Depot that Citibank manages that both myself and my wife had individual cards to use ( with separate card numbers ). We have kept a {$0.00} balance in the account since XX/XX/XXXX and on Sunday XX/XX/XXXX i received an automatic text message of fraudulent activity reporting an attempted purchase of {$610.00} on one of the cards. That same night, I logged into my HD account online just to find that there were 19 separate transactions made from XX/XX/XXXX to XX/XX/XXXX with a total of {$5200.00} charged to my account, 9 on one card and 10 on the other ( It appears they were all gift cards ). The next day, Monday XX/XX/XXXX, I called HD-Citibank fraud department to notify and make the report of fraudulent activity and was told that both cards were now cancelled, the dispute of the transactions was going to take a few weeks and that they were going to send me the new cards. I got the new cards in about a week, and when i followed up a couple of weeks later, i was told it was still on investigation. In about the third week after the report, I noticed that my account reflected a new balance, {$2200.00}, and that I was refunded for 10 transactions corresponding with one of the cards. After noticing that, i immediately called to ask about the remaining balance, and i was told that whoever made the report initially, reported only those 10 transactions ( not the other 9 ) and then closed both cards. I was reassured that they did a new report and i should get resolution in another 2-3 weeks. From that point on, i have called about 10 times, one hour call each time, every week or so to check the status and its always the same answer : " I see the charges, I dont see a fradulent activity report, i will send it to get it fixed, its done, you should see the charges gone in a few weeks ... '' and nothing has been resolved. I also sent 3 certified letters on XX/XX/XXXX to the different departments and nothing. I did received a letter with date XX/XX/XXXX confirming they received the fraud claim and then another on XX/XX/XXXX date, ( after i send the certified letters ) to inform me that they completed the investigation and that the disputed charges were removed, which is not true. It is now XX/XX/XXXX, and my balance is now {$2300.00} with late fees now included, I am getting late payment notices and its now showing up on my credit report as late payment since obviously i have not made any. I would like to get this resolved immediately, nobody authorized on the account made any purchases, those are fraudulent transactions and Home Depot - Citibank are not fixing this delicate situation. I appreciate your time and support. Thank you Concerned Consumer
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78258
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-02
Issue: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: I received a letter from The Home Depot Citibank card services that there was possible fraud activity on XX/XX/XXXX. I called XX/XX/XXXX to update information and get a new card. There had been charge attempts, but they declined per the representative. My spending limit had also been increased from XXXX to XXXX, which I never authorized. My online account had seemed to be hacked so I changed my password, updated security questions, and added email and text notifications. In the middle of all this I realize that when adding my husband onto the account as an authorized user years prior they actually removed my name and replaced it with his. Meaning the account was his name and my DOB and SS causing even more confusion on who they would speak to regarding the account. Two weeks later, XX/XX/XXXX or XXXX, I logged into online account to find an estimated {$3000.00} charged to the account. I called CitiBank again and was informed that the card was never closed or reissued. They then closed the card, reported the charges as fraud, and issued a new card. Still having to deal with his name and my ss and dob. New cards were received and locked in safe. XX/XX/XXXX, I receive an email that my online account had activity again, so we called Citibank and requested that the credit account and the online account be permanently closed. The representative tried to convince me to keep the account and they would send me yet another new card and I refused. I will follow up in a week with them to confirm the account is closed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78023
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-01
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/XXXX a hard inquiry occurred on my credit report by CBNA that I didn't authorize.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33606
Submitted Via: Web
Date Sent: 2023-08-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-01
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/XXXX I received an email from Citibank informing me that I was late on my payment ( it did not say which account ) but the balance was {$780.00} I immediately called them since our actual balance was {$5.00} on the only card we had with them. Initially, Citibank would not give me any information as to which card this email was referencing to or what were the charges made. After several calls to them, they gave me the last 4 numbers of the card in question ( XXXX ) and stated the card was opened on XX/XX/XXXX. I told them I never had a card with that number, and asked why this was the first time I was notified of this account through an email. I requested a copy of any statements they had, and asked again why I had never received any statements or correspondence on this card. Once I received the statements, I saw the card had just been used on XXXX XX/XX/XXXX at a local XXXX 's XXXX for the amount of {$600.00}. I obviously had not made that transaction, and told them so. On XXXX XX/XX/XXXX, Citibank put a freeze on the card in question, after discussing this with them once again, and they indicated their Fraud Department would begin an investigation. They also sent me an email advising me that the investigation was ongoing and no further action was needed on my part until the investigation was finished. Citibank has continued to send me weekly emails telling me I am late on my payment and until recently ( stopped at my request ) was receiving daily calls asking me to make a payment. I am still receiving emails telling me I am late on my payments and they have even added late charges to the original amount. On XX/XX/XXXX I received another email from Citibank telling me to check my XXXX Score and to see why it had changed. I opened their link to the XXXX score and saw that my score had gone from XXXX to XXXX. On one of their latest emails dated XXXX XX/XX/XXXX, the statement balance is now {$960.00}. On the most recent email dated XXXX XX/XX/XXXX, Citibank indicated that this account will be referred to a collection agency. We have been working with XXXX XXXX with XXXX XXXX XXXX, and have contacted Citibank on numerous occasions trying to resolve this issue but have gotten very little support from Citibank. After initially contacting them on XXXX XX/XX/XXXX, we were told that they would open an investigation, and they would notify us with their findings. It was months later in XXXX, when we contacted them once again, we were then notified that they had closed the investigation three days after the investigation had been initially opened ( XXXX XX/XX/XXXX ). We never received any official notification from Citibank about this investigation being closed, as we had been told.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80911
Submitted Via: Web
Date Sent: 2023-08-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A