Date Received: 2023-07-10
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: In XXXX if XXXX, I remitted a payment of {$55.00} that was never posted. I contact Macys to resolve the matter and they asked for me to send confirmation via email to XXXX, which I did in XXXX of XXXX. It is now XX/XX/XXXX and the payment still isn't posted, nor is there any acknowledgement of my confirmation emails to XXXX. When I called to speak with them and resolve this matter, I was sent to the Recovery Dept. They asked me to fax record of my payment. I rejected the notion of a fax, as I do not have one. When I asked why I can not email, I was told they do not have email. How, in XXXX, can we not resolve matters through email? This is a blatant tactic to make customer resolution more difficult that it needs. The conversation was one hour and fifteen minutes with XXXX, XXXX and XXXX and ultimately the only option I was given was for a manager to return my call in 24 - 48 hours. Before being given the option of a return call, I was told by XXXX to call back in 35-40 minutes and ask for a manager then. What kind of dispute resolution tactic is that? I accepted the return call within 24-48 hours and disconnected. I immediately pursued filing this complaint. I spoke with XXXX and he suggested I file a complaint here.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08520
Submitted Via: Web
Date Sent: 2023-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-10
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: At XXXX on a Sunday my phone rang. It was XXXX from Citibank ERT ( Executive Response Team ) asking to speak with me. Not sure when it was ever OK to contact a customer on a Sunday, but I agreed. She claimed she was calling to relay some information concerning my complaint on how I felt targeted by her company. No matter what she stated it still would change how I felt targeted. The fact remains that I had been randomly audited twice for credit limit adjustment that caused a significant decrease in my credit limit on 2 separate cards. Citibank decision not only caused the decrease in my credit limits, but it was NEVER explained why just that my name was pulled random. Thus, in turn created a hell storm within all three credit bureaus. When this first occurred I contacted XXXX and XXXX, both stating that I had NO major changes on their part that would have created any credit decrease ( SEE XXXX dispute # XXXX ). I have over 20 plus creditors and none of which have ever decided to decrease my credit limit during an audit. Again, I expressed that I had no new credit checks, no major purchases, and no new loans so why the random audit and why twice? XXXX had no answer, promising that it wasnt personal. She claimed she understood my complaint but couldnt offer anything to help the situation. She mentioned the credit department uses a formula to determine credit limits. I find that story hard to digest, because I actually received two large pay increases this year. Annual income increased from XXXX to XXXX and my military XXXX increased from $ XXXX to $ XXXX. So even if the audit was random, it sure seemed awful funny that both my Citibank cards took a significant decrease ; not once but twice and with 3 months of each occurrence. As well as happening within 10 months of a major dispute and conflict between myself and a Citibank employee over a wrong card shuffle. So, I asked again what could XXXX do or offer me to repair this issue? She claimed nothing. I asked what the CEO XXXX XXXX XXXX could do? XXXX stated nothing and that the decision came from Citibank credit department. Now I wonder why the Citibank credit department didnt call me to correct this issue. Again, XXXX had no answer other than another soft pull on my credit to request a limit increase. No thanks, I am scared they will decrease it a third time. Well, this was a wasted Sunday afternoon phone call. Thanks for Nothing,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 405XX
Submitted Via: Web
Date Sent: 2023-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-10
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: A checking account was opened online by someone other than me in my name using my home address, and email address, but in speaking with the agent from Citi, the last 4 of my social do not match the account. I started receiving emails about this an called Citi. At first they said no account existed and to disregard as phishing scam. I then received a debit card in the mail and called Citi directly. They blocked and closed the account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 970XX
Submitted Via: Web
Date Sent: 2023-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-10
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have reached out to Citi Bank on multiple occasions, most recently a notarized request, regarding their reporting of a settled account. Each time I reach out to Citi Bank referencing the account number THEY ARE REPORTING to all three credit bureaus, Citi Bank replies that this account number is invalid or incorrect. *see Citi 's attached response I am assuming this is Citi Bank 's way of getting around an actual reply... to say they don't know what I'm talking about even though I'm referencing THEIR reported account number.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11207
Submitted Via: Web
Date Sent: 2023-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-10
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I am writing to file a second complaint against Citibank related to the ongoing issue with the handling of my accounts. After the closure of my initial account, as detailed in my previous complaint, I opened a new account with Citibank in order to provide an alternative method for depositing my funds. This was done in an attempt to find a resolution to the distressing situation of a significant ACH payment being held in limbo due to the unexpected closure of my first account. However, I am now facing a new, serious issue : Citibank has unexpectedly closed my newly opened account, without any clear explanation or warning. This action took place after I had transferred approximately {$1000.00} into the account. Moreover, Citibank has locked me out of all my associated accounts including my checking, savings, and brokerage accounts, essentially seizing my funds without my consent. This action by Citibank has not only disrupted my access to a significant amount of my personal funds, but it has also hampered my ability to manage my daily financial activities and investments. The inability to access my own money is causing me emergency financial hardship. Upon contacting Citibank multiple times on XX/XX/XXXX at XXXX EST ( with XXXX XXXX and XXXX EST ( with Fiel ), again on XX/XX/XXXX and XX/XX/XXXX, and through their online support panel ( with XXXX ) on XX/XX/XXXX, I consistently informed Citibank about my new account. Despite these interactions, at no point did they express any concern or provide warning that the new account would also be shut down. This escalation is completely unjustified, especially given that the initial misunderstanding that led to the closure of my first account was clearly explained and earnest efforts were made to rectify it. Citibank 's actions have caused significant stress and inconvenience. I kindly request your assistance in investigating this matter and helping to restore access to my funds and accounts as soon as possible.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06042
Submitted Via: Web
Date Sent: 2023-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-10
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I been trying to log in and pay bill online but my account is not on file i get asked to call fraud department to verify my identity. When i try to verify my identity or to make payment over the phone I get disconnected by their automation or say they will call back. Now I'm being cjarge XXXX $ of late fees. This is the goodyear credit card
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91342
Submitted Via: Web
Date Sent: 2023-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-10
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: XXXX XXXX denies having any open account with me, yet debt collectors keep calling my spouse during his working hours trying to get hold of me. I tell him to give them my number but they are relentless. I called XXXX and they deny any of this and gaslighted me over the phone as if I am imagining things. They then said call XXXX at XXXX, whom XXXX referred me to XXXX XXXX XXXX at XXXX. I need this to stop or I am considering harassment small claims options. I was a homeless Veteran when the judge made his/her decision and I had a lawyer, but here we are. I paid the account and it is considered paid in full by XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90044
Submitted Via: Web
Date Sent: 2023-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-10
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Fraud branch withdrawal first transaction Cash withdrawal {$3800.00}. On XXXX at XXXX # XXXX teller XXXX XXXX XXXXXXXX XXXX XXXX 2nd transaction cash withdrawal {$2000.00}. On XXXX at XXXX # XXXX teller XXXX XXXX XXXXXXXX XXXXXXXX XXXX I have reported this to the Bank ( CITIBANK ) several times but Im not getting a clear answer.its been one month and a half These transactions were processed in XXXX and I reside in XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91401
Submitted Via: Web
Date Sent: 2023-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDOT BUREAS HABE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' MACYS/CITIBANK, N.A. Credit usage 0 % Balance {$0.00} Balance updated XXXX XXXX XXXX Credit limit {$100.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXXXXXX Account type Revolving Payment summary 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 PAYMENT HISTORY LEGEND Status Pays account as agreed Status updated XXXX XXXX Past due amount - Highest balance XXXX XXXX Monthly payment {$0.00} Additional info Responsibility Individual Account Terms - Company sold - Original creditor - Comments ACCOUNT CLOSED BY XXXX XXXX Your statement - Contact info Address XXXXXXXX XXXX XXXX XXXX XXXX XXXX Phone number 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 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.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11550
Submitted Via: Web
Date Sent: 2023-07-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-10
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: This complaint is regarding the Citibank new checking account cash bonus offer. On XX/XX/2023, I opened my new Citibank checking account and funded the account on XX/XX/XXXX with the required amount to receive the bonus ( see bonus confirmation email ). Subsequently, I also mailed in my signature card and W-9 form in a prepaid return envelope provided by Citibank ( see return envelope pic ). On XX/XX/2023 I was supposed to receive my cash bonus from Citibank. However, the bonus was not posted and I was told it would be posted soon. On XX/XX/XXXX, they finally informed me that my W-9 was not in their system even though I already mailed it to them back in XXXX. When I spoke to Citibank, they told me to wait for an email from them so I could email them my W-9 again. On XX/XX/XXXX, I received an email from Citibank and I replied them with my W-9 and mailed them my W-9 through USPS as well. On XX/XX/XXXX, I also faxed them my W-9 and was told that it would be processed in XXXX business days ( see fax confirmation ). Today, on XX/XX/XXXX, Citibank still insisted that my W-9 is missing and my cash bonus has not been issued.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 65201
Submitted Via: Web
Date Sent: 2023-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A