Date Received: 2023-07-08
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: These inquiries on my report are unauthorized. In accordance with the fair credit Reporting Act XXXX Account, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44102
Submitted Via: Web
Date Sent: 2023-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-07
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: On XX/XX/2023 I mobile deposited a pension check with Citibank. My account is fairly new about a month or 2 old and this was the first large deposit that I had made. On XX/XX/XXXX I attempted to access my mobile banking through their app to check the status of my deposit, but for some reason I was unable to log in. I then called your customer service department who informed me that my account had been blocked due to suspected check fraud. After providing the details to the person on the phone in the fraud prevention department they then called the payor of the check and verified that the check was indeed a legitimate check. I was then told it would take two to three business days to get my account unblocked. Which is far too long for this day and age. Then I received a notification on XX/XX/XXXX that the funds were available in my account therefore the check has cleared and been cashed yet I'm still unable to access my account. I called back to the fraud prevention unit and customer service to figure out why I am still unable to access my account I am then told that my account is being closed but nobody can tell me why exactly they're closing the account they cashed the check so they can't be closing the account because of check fraud. So I have been on the phone on XX/XX/XXXX now on and off for about 5 hours speaking to and getting the runaround from multiple individuals, no one can get me through to someone who can answer my questions and somebody that can unblock my account. Mind you initially this check is literally from a payor listed in the Citibank direct deposit list and my account is currently in the process of being set up for direct deposit from this payer and yet still they flagged the check. They verified the details but are still closing my account with no explanation so now I am stuck in a situation where the check has been cashed so I can not put a stop on the check. I can't have the check reissued because it's been cashed already " days ago '' according to the woman at XXXX XXXX which is the bank that issued the check.They 're literally holding my money hostage.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30281
Submitted Via: Web
Date Sent: 2023-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-07
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: My credit was ran without my consent or by someone pretending to be me. XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XXXX of XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 39211
Submitted Via: Web
Date Sent: 2023-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-07
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 sent a mail through USPS last XXXX to Citibank Security Department to follow up what happened to my credit card. Initially, my original " anywhere XXXX credit card '' was lost before I left for vacation last XX/XX/XXXX. I notified Citibank that I did not receive the replacement card they sent. To add further, I started to recognize fraudulent activities when I checked my charges online. I instantaneously called and notified Citibank, to make them aware of this situation. Their reponse was to suspend it & send another one, eventhough repeatedly informed them I am currently on vacation internationally. However, when I came back home to US, I was stunned to know that there was already huge amount of purchases placed on the card, which I never made at all. They suspended that replacement card and I filed a dispute. At that time, they sent me another card. Although I'm already back home, that supposedly succeeding credit card didn't reach to me at all. And again, I shook to my very core, that another enormous amount of purchases was made by this scammer or whoever has my card. I was passed on from one phone call to another. Each phone call I kept explaining, that if you try to compare my usual charges I made or I make, I never at any point in my entire life, made a ridiculous amount of purchases over a short period of time. That was a huge red flag. Plus the facf that I went to report to citibank customer service, I never receive this card ending in XXXX and XXXX. The only one I got is the XXXX, which I received later on, that got also expedited Each passing week I kept on calling, and each time I call the fraud department, I get responses that, the security department is taking care of it and sometimes it takes a while. But few weeks ago I received a letter that my dispute was denied. I called fraud department right away, very frustrated of this letter, because I did not receive any of this card where purchases were made. I filed a police report, and the police report number is # XXXX. I reported it to the XXXX Police Department, XXXX XXXX XXXX, XXXXXXXX XXXX. Their phone number is ( XXXX ) XXXX XXXX. I earnestly ask Citibank to please review and re investigate this matter again. This the second review and its almost six months that theres no resolution and Im still waiting. My credit score now drop from XXXX to XXXX and this makes me agitated. I am the breadwinner to my small family. I am a prime believer of good personal ethics and hardwork. Each money I make, is a hard earn money. with a faith in myself that I would be able to continuously afford my familys needs such as healthcare, and to be able to continually save money for my childrens future like college education fund. Thank you for your effort and time reading this. My direct mobile number is XXXX XXXX and my recent card number in my possession is card ending is XXXX. Attached here are the list of fraudulent purchases that I disputed. Please help me out on this matter. Thank you, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95330
Submitted Via: Web
Date Sent: 2023-07-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-07
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Dear Sir or Madam, I am writing to you today to express my concern about my Citibank account, which was closed on XX/XX/XXXX due to suspected fraud. In the email I received from Citibank, they stated that I would be issued a check for the funds in my account within 60 days. However, it has now been more than 90 days and I have not yet received my money. I have visited the Citibank branch at XXXX XXXX XXXX, XXXX, MD three times to inquire about the status of my check, but I have been unable to get any information. The employees at the branch have either been unable to provide me with any information or have told me to wait. I am extremely concerned about the fact that my money has been held by Citibank for more than 90 days. I have exhausted all of the mechanisms available to me to obtain my money, and I am now turning to you for help. I am a father of XXXX young children, and I desperately need my money to function. I am writing to you in the hope that you can help me to resolve this matter. I would be grateful if you could contact Citibank and inquire about the status of my check. I would also be grateful if you could provide me with any information that you may have about why my account was closed and why I have not yet received my money. Thank you for your time and attention to this matter. Sincerely, XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20721
Submitted Via: Web
Date Sent: 2023-07-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-07
Issue: Unable to get your credit report or credit score
Subissue: Other problem getting your report or credit score
Consumer Complaint: I had XXXX credit cards with Citi. XXXX was a Macys card and the other was a normal Citi card. I used both cards and I made my required payments on time. They were both in good standing. I have been working very hard on rebuilding my credit. Out of the blue, in XXXX of last year, Citi cancelled both my cards. They sent me a letter that said I could call them to find out why. When I called, they told me they would send me a letter. Eventually I got a letter saying my cards were cancelled because I have criminal convictions from XXXX. I dont understand why my credit cards would be cancelled because of my criminal convictions. Those were XXXX years ago and they had nothing to do with credit cards. Since then I have done so much work to rehabilitate myself. I went through the program at XXXX XXXX. I got job training and got a stable job. Ive worked really hard to rebuild my credit. If Citi is just cancelling credit cards for anyone with criminal convictions, thats not fair, and I think its discriminatory. There are rules in my state about when companies can look at your criminal background history. I learned that when a company takes an adverse action against you because of a background report, they have to tell you where they got the information and give you a copy. Citi didnt tell me any of this. I sent Citi a letter on XX/XX/XXXX. The letter asked them to send me all of the documents they have about me, including my credit applications, any cardholder agreements that applied to my accounts, and documents about why they closed my accounts including reports about me that they viewed. Citi didnt provide me with anything I asked for. Instead they wrote me a letter that said they can close my account for any reason at any time and they dont have to tell me why. I think this is unfair and illegal. Im entitled to see whatever background report Citi saw that told them about my criminal convictions. I want to make sure its accurate and dispute if its not. I also dont think Citi should be closing peoples credit cards just because they have criminal convictions. I made mistakes, but those were years ago. Ive been working for XXXX years to get my life back together. Closing my credit cards because of an unrelated mistake I made so far in the past is not right.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91801
Submitted Via: Web
Date Sent: 2023-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-07
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: i closed account XXXX at citibank and the bank has not refunded me the money from the closed account despite XXXX letter and XXXX phone calls. most recently citi says that my address of XXXX years is invalid and go to a branch. the branch says that i have to call citi
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10065
Submitted Via: Web
Date Sent: 2023-07-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XX/XX/2019 XX/XX/2019 XX/XX/2019 In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states.I have the right to privacy 15 USC 1681 section 6 o 4 a section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 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.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08105
Submitted Via: Web
Date Sent: 2023-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-06
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Its Best Buy credit card XXXX interest rate for 18 months ends So got new billing on XXXX Original bal. left was {$160.00}. New statement the bal. increased by almost 3 times of previous bal. With a XXXX % interest rate plus a fee charge of {$6.00} on new billing. Was expecting interest rate increase but not this high. Total amount on best buy due as of XXXX is now {$340.00}. Its ridiculous and outrageous cause financial harm. That's the gist of it. Okay then thank you verry much regarding this matter. Best Regards Cordially Best Buy XXXX Best Buy Credit Services XXXX XXXX XXXX XXXX XXXX, MO. XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-06
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I Had intentions of paying the balance but having placed on my credit profile without contact is unprofessional. Furthermore a representative informing me that this could negatively impact my credit isnt within the guidelines for a creditor/debt collector to discuss with a customer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32703
Submitted Via: Web
Date Sent: 2023-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A