Date Received: 2023-08-01
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: On XX/XX/2023 I was notified by my bank that my checking account had been blocked due to a fraudulent attempt to access my information. The bank representative told me that law enforcement had made them aware of the fraud attempt. We had to open a new checking account and request that the bank move almost all the money in the blocked account to the new one. The blocked account could not be closed because of automatic deposits we get each month ( social security, pension, etc. ). We had to notify all companies that had permission to make automatic withdrawals from our old account that we had a new account. The bank did not help us do this. Finally, we got all automated deposits and withdrawals changed to the new account. Then, we closed the old account. Recently, I enrolled with XXXX using my bank 's online system. I did this because I have a poor relative to whom I occasionally need to send money. Enrollment went fine. But, when I tried to send money using XXXX, the app would not accept my debit card number. After many phone calls and a long personal visit to a bank branch, the problem was that the bank still had the debit card linked to the closed account as the debit card to use with XXXX. The bank was not able to correct this problem and link my current debit card for XXXX. Instead, they are now sending me a new debit card. Mistakes happen, and I am not complaining about the mistake. However, it took so long for the bank to recognize ( and admit ) their mistake that my relative may not have enough money this month. This bank is a very large bank which always encourages customers to use the online services. Yet they were not able or willing to fix this problem so a customer could quickly get money to a relative in need.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20910
Submitted Via: Web
Date Sent: 2023-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-31
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: There are a few accounts showing on my credit report that I believe could not be mine or are old and reoccurring with high balances that I'm not aware of. These accounts are : Community bank/Victoria secrets : ( XXXX... ) Showing a balance of {$1500.00}. This could not be mine. XXXX ( XXXX... ) Shows conflicted balances, {$1900.00} & {$3300.00} for the same account. This also I'd like to dispute. There are multiple closed accounts showing on my credit report from XXXX to present that I would like to be removed because I believe they're reflecting negatively and causing my scores to be low.Thank you in advance for any assistance. XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 327XX
Submitted Via: Web
Date Sent: 2023-08-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-31
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38125
Submitted Via: Web
Date Sent: 2023-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-31
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: I have an inactive Macy 's Amex credit card. My monthly payment has quadrupled to a tune of over {$2000.00} per month. I was manageable when my bill was {$250.00}, but then it went up and I tried to call them and ask for assistance, but they have refused and stated that I must close my account before they can help. This will hurt my credit. I have tried to make payments as much as I could but I can not catch up to making a {$2000.00} plus payment monthly and they refuse to help me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33543
Submitted Via: Web
Date Sent: 2023-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-31
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 been dealing with fraudulent charges on my Macy 's account since 2019 and they have refused to settle the fraudulent charges and remove the delinquency from my consumer credit reports. These charges are documented in a police report and several notarized Identity theft affidavits.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27410
Submitted Via: Web
Date Sent: 2023-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-31
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I had opened a checking account with Citibank on XX/XX/XXXX and was waiting for the card to be sent in the mail. A few weeks go buy I tried to deposit checks via mobile app but always failed to work so I used my old bank account with a different bank because direct deposit had not worked yet it was taking time and I was being impatient. So it looked like I deposited the check twice to Citibank but I never spent the money and made sure I paid the fees for doing that. Fast forward to XX/XX/XXXX they told me my account was gon na be closed in 60 days. I wasnt able to turn off direct deposit in time to stop them from receiving a paystub ( {$1200.00} ) from the XXXX so I called them and they said to make sure I removed it from direct deposit and I would have to wait XXXX days until they can mail it back to my address I provided to them. Fast forward to XX/XX/XXXX I called them again asking about the remaing balance because i had not recived an account closure item in the mail detailing why it was closed and the remaing balance that was sent to them. I was then informed by them They are requesting a " harmless claim '' to be sent from the bank/third party sender my employer uses ( XXXX XXXX in order to release the money back to XXXX to be distributed back to me. I informed them there was no legal action I am seeking I just wanted the remaining balance sent to me by mail like it says in their policy. But was told they couldn't do that and hung up.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97080
Submitted Via: Web
Date Sent: 2023-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-31
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: We hired home depot to renovate our kitchen in XX/XX/XXXX. We used their offered 24 month 0 % financing promotion and put the full amount on the Home Depot credit card. For the first 6 months, no interest was charged. However, after 6 months we started getting interest charged. Apparently a 6 month promotion was attached to the account and not the 24 month promotion as described in the signed contract. Because we had it on auto pay - {$1000.00} per month, it took me a while to realize this - roughly XXXX months. In the last 18 months I have called at least 6 times. On 2 occasions, I eventually spoke to a " credit supervisor '' who assured me all the finance charges would be removed and the incorrect 6 month promotion would be modified and corrected to the correct and agreed upon 24 month 0 % promotion. I have a recorded phone conversation of the 2nd conversation from XX/XX/XXXX where the representative assures me the promotion will be correct/backdated to the original date and all the accrued financial charges will be removed. When there were not changes made, I called again on XX/XX/XXXX and was assured it would be taken care of within XXXX days. As of XX/XX/XXXX, we had paid the full amount of the kitchen renovation and other purchases without paying any of the interest charges- so by my math the balance on the card should be {$0.00}. I called again on XX/XX/XXXX after again no changes were made to the account and spoke to a supervisor who told me the promotion had expired so the finance changes could NOT be removed. I went back and forth but no progress even with the complete lack of logic. I told her I have a signed contract the specifies a 24 month 0 % finance promotional period. She told me the request was being denied from higher in the company and gave me a po box to write a letter to explaining the full situation - to " The Executive Response Unit '' XXXX XXXX XXXX XXXX XXXX I have also use the messaging system on the Home Depot web site on 3 occasions where I explain everything that has happened and included a link to my XXXX XXXX for the signed contract dated XX/XX/XXXX. One response was completely off topic and the most recent response was that the promotion had expired so we owe all the interest from the 18 months - at this point that is about {$9000.00}. So complete disregard for the signed contract, in fact not even acknowledging the existence of the contract.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 074XX
Submitted Via: Web
Date Sent: 2023-07-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-31
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Concern a Citibank credit card. On XX/XX/XXXX. XXXX I reported my XXXX XXXX XXXX credit card lost. Citibank cancelled the card and issued a new card. On XX/XX/2023, I spoke to an employee ( XXXX XXXX of Citibank who advised me that it is their policy not to allow automatic charges from the old card to be transfered to the new card, and that I should contact vendors who had been automatically charging the old card, and give them the new card information.To my surprise, the company XXXX which had been charging the old card, was allowed to continue charging the new card. I contacted Citibank and spoke to a XXXX who told me that they will reverse the {$33.00} charge on the new card statement. The charge was not reversed, and Citibank proceeded to levy a late charge of {$30.00}. On XX/XX/2023, I closed the account, which I held for 32 years. The {$33.00} has now with the addition of late charges grown to {$140.00}. I have no intention to pay what I do not owe. At age XXXX years, I have seen the likes of Citibank evolve from predatory to parasite, particularly on the defenceless consumers left to their mercy by government bent on protecting our free market capitalism. I have no problem with the world seeing my information and my complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10031
Submitted Via: Web
Date Sent: 2023-07-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-31
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I sent a letter to Citibank wanting to validate and verify the debt. I did it within the 30 days that I was given, I sent them the letter with all the terminology and everything to send a letter back. It has been three months and they still have not verified or validated anything and they are still trying to sue. They harassed us after asking them to stop calling, they kept calling, and harassing and were calling up to 25 times a day. Its my understanding they can not sue us if they cant even validate the debt which they never did. The validation was due back in XXXX and we never got it. I have a video of me dropping it at the post office in the box, the address on it, and all the documents that I sent to them and they never sent back. Theyve always received mail they can not claim they did not get this one it was sent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48108
Submitted Via: Web
Date Sent: 2023-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-31
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I received a promotion from Citibank stating if I open a new checking account and make deposits and use my ATM card within 90 days of opening the account, I will receive XXXX air miles WITHIN 30 days of meeting these requirements. I met these requirements as acknowledged by Citbank, but they will not honor the within 30 days clause and tell me that they will make it 90 days. I have escalated this showing them the promotion i was offered. They will NOT honor their own promotion. I have travel plans that I was counting on these airmiles and Citibank decides to change their own rules as they desire.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97478
Submitted Via: Web
Date Sent: 2023-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A