Date Received: 2023-07-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: called Citibank and let them know they ran my XXXX credit three times on multiple days on five different day. I asked the rep why are they running my credit report multiple times and she arguing with me over the phone saying that they didnt when I have relevant proof. I asked Citibank to remove the multiple inquiries that they saying never received a credit report. I seeking legal action because I shouldnt have to argue with customer service when it is clearly showing on my XXXX credit report. I spoke to four different supervisors in the loan department at CITIBANK and was told they had a system issue. I recorded all the calls because I have a XXXX. I filed a lawsuit against CITIBANK XX/XX/2023 with XXXX XXXX because my credit report was by the loan department. I am demanding the credit inquiries be removed because CITIBANK claims that they couldnt process the loan. I contacted XXXX and was told I need a letter.XXXX said inquires was verified.How can you verify something if five inquiries where ran for a single application.I gave Citibank multiple chances to fix the problems now I filed a Small Claims court lawsuit because Citibank refuses to send letter to or XXXX to get the erroneously credit inquiries off my reports. I spoke to multiple representatives and they said only run XXXX and they kept arguing with me.When call Citibank the automatic system says a pending application and will have response in two days.It is now going on two months Citibank keeps sending the file to credit card dept when it is personal loan.My issues are still not being addressed so I am providing a copy of my XXXX credit report and lawsuit that was filed.XXXX XXXX has the paperwork waiting process they are backlogged.This is going on too long and I feel like Citibank is picking on me. Everytme I call in Citibank staff keeps hanging the phone on me.I called the XXXX police department got them involved as a mediator because I have severe Mental health.Citibank is not taking me seriously because they keep sending my file to the wrong department when I keep telling them it is a personal loan application.My file keeps getting closed out with these generic letters when it very evident that the people in Executive office is not paying attention so that is why I am filing the lawsuit because getting super stressed out.Equifax keeps sending response letter stating Citibank is verifying inquiries are accurate when they not.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94544
Submitted Via: Web
Date Sent: 2023-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-03
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened account with the promotional giveaway of getting XXXX XXXX XXXX points once the requirements were mer. The disclosure states all points will be credited to XXXX XXXX account within 30 days of meeting all requirements of the promotion. I met all requirements over 40 days ago and have tried having bank fix the issue multiple times without success. Each time the agent says all requirements were met such as the direct deposit and debit card transaction requirements.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75126
Submitted Via: Web
Date Sent: 2023-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-04
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I was prepared to receive a deposit from my XXXX account on XX/XX/2023. After my deposit hit my account Citibank restricted access to my accounts and sent me an email stating the accounts would be closed. Within the email I was informed my accounts will be closed within XXXX days but if I believed these funds should be sent sooner than the expected closing date, please visit your local branch. Upon visiting the nearest branch, the XXXX XXXX Illinois XXXX, I had an appointment with XXXX XXXX but ended up speaking with a Teller named XXXX. I never got his last name, but was told by XXXX they were unable to verify me so I was unable to withdraw funds from the account. I stood in front of him and provided US State ID along with my SS card and could have provided XXXX additional forms of identification if needed but was still turned away. He said I would need to wait to receive the second letter from the bank and at that point I would be able to withdraw the funds from the account. Rather than leave I called the number on the original email that stated I could go to a branch to receive my funds and they stated I had to wait until the account was closed and a check was mailed to receive the funds in the account. Before being disconnected from the call by the telephone rep I asked her what date would the account be closed she said XX/XX/2023 I asked her if this was the official date. She said without hesitation that it is. If I receive this XXXX letter prior to the XXXX I will drive back to Illinois to make my withdrawal in person. Otherwise I expect a check to be en route by the XXXX of XXXX. These XXXX things were quoted to me directly by employees the phone conversation was recorded and the branch employee works at the XXXX XXXX Illinois branch.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53225
Submitted Via: Web
Date Sent: 2023-07-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-02
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: On XX/XX/2023 I opened account with Citibank through Citibanks website. I have a credit card through Citibank since last 15+years and opened a savings account based on their request while I was paying my credit card bill. I transferred {$10000.00} from my Bank XXXX XXXX checking account to my Citibank savings account on XX/XX/2023. I made second transfer of {$5000.00} from my Bank XXXX XXXX checking account to Citibank savings account on XX/XX/2023. Both the transfers were successful. However, Citibank closed my account on XXXX XXXX without any reason. They stopped my access on immediate basis. When I tried reaching out to Citibank, they said that I will receive my funds of {$15000.00} via check within 90 days. However, when I did not receive my money within 90 days, I called them again and they said that I will receive my funds in first week of XXXX. On XXXX XXXX, when I called them again, they are asking me to reach out to Bank XXXX XXXX for the funds. Bank XXXX XXXX is saying that they can not do anything since the funds have already been withdrawn by Citibank. This is a huge amount and I am going through lot of agony and pain. Please help me resolve this issue. I have provided Bank XXXX XXXX XX/XX/2023 statement ( showing successful transfers ), Citibank debit card letter, Citibank debit card copy, Citibank welcome email, Citibank first funds transfer email, Citibank second funds transfer email, Citibank ATM card email, Citibank Paperless confirmation email and Citibank Account linking email as attachment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75025
Submitted Via: Web
Date Sent: 2023-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-02
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: on XXXX XXXX I made an online order with Macys.com for the amount of $ XXXXthe online order was, ( XXXX ) .I never received the order, however Macys inform me I have to pay for an item I didn't receive.I 've tried on several attempts to get this matter solved, however I'm constantly talking to people that aren't from America.This is affecting my cfrerdit score as well.I 've been a Macys customer for over twenty years and a credit card online shopper for over twenty years as well.I refused to pay for items I don't have.I 'm extremely disappointed in Macys customer service and Macys online department.I would like this off of my bill.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60655
Submitted Via: Web
Date Sent: 2023-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-02
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Under law FDCPA ) code ( 15 U.S.C. 1692 Re : XXXX XXXX XXXX XXXX, To whom this may concern, I am writing this letter to XXXX XXXX XXXX and all three credit bureaus XXXX, XXXX and XXXX. To inform XXXX XXXX associates that I have never been in contact with them or there debt collection agency. Until today. I have disputed your debt collection reporting agency as I have no clue who XXXX XXXX associates is. I have never received nor sort of mail or any sort of communication from XXXX XXXX associates indicating they have took over any sort of " debt '' I may " owe ''. I also have included best buy my credit card company which I paid on time on a monthly basis in this email to my knowledge this account should have been paid in full. Overly paid off. I was reaching out to best buy a few times prior to my credit being Tampered with indicating that I am very aware how my payments were not showing off as paid off to my account or credit card company. Each time I will make a payment to my best buy account the following month I will owe more money. I am very aware of the fraudulent activity that has been occuring and I never have been in contact with XXXX XXXX XXXX up until today. I have disputed XXXX XXXX XXXX And I will sue XXXX XXXX XXXX/best buy citi for fraudulent activity. I will also be filing a police report with this letter. And will be reporting this as fraudulent activity. I XXXX XXXX XXXX indicate that once I was reporting fraud and my payments not going down to my best buy account that I was not able to have access to my credit accounts and fraudulent activity was occuring I XXXX XXXX XXXX also indicate that I have had a credit freeze on all three of my credit bureau accounts since XX/XX/2023 as well as I do have a open fraud alert on all three of my accounts. I do not see how any of this is possible? Without validation. Authorization orauthentication?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60618
Submitted Via: Web
Date Sent: 2023-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-02
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Reporting late or missed payment. Who are they? How can you pay your bills on time and your score still goes down? Like other credit reporting agencies are they too getting lazy and just going with boilerplate response. There seems to be a automatic roadblock for people of XXXX to get credit. Its not just XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-02
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XX/XX/, a payment was made at the Macy 's location in XXXX XXXX to pay the account in full. I received a receipt along with the cancelled check used, but the payment was not applied. I received a notification over a month later that the payment was not applied. I submitted another payment at the same location on XX/XX/ for the full amount again PLUS additional fees and interest. Again, I received a confirmation along with the cancelled check. But they did not apply the payment again. After speaking with the credit card issuer, I submitted yet another payment along with their guarantees the fees would be removed and the credit report information would be updated. However, no update to the credit report was made and it is still showing delinquent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78229
Submitted Via: Web
Date Sent: 2023-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received a collection notice from XXXX XXXX XXXX dated XX/XX/XXXX. According to the notice I owed {$11000.00} to XXXX XXXX XXXX for a credit card with Citibank. The debt was from XX/XX/XXXX and the balance owed to Citibank at that time was {$8000.00}. Between XX/XX/XXXX and the date of the letter I was charged {$4900.00} in interest. On XX/XX/XXXX I replied to their letter " this is not my debt ''. On XX/XX/XXXX I received 2 letters from XXXX XXXX XXXX letters were dated XX/XX/XXXX and both referenced the same collection with XXXX XXXX and Citibank. The first letter was letting me know they had received a recent inquiry from XXXX XXXX regarding the Citibank account. The second letter was a copy of the account summary they provided. According to the Account Summary the account was opened XX/XX/XXXX, and was charged off on XX/XX/XXXX for {$8000.00}. To the best of my knowledge I have never had a credit card with Citibank. So naturally I am very concerned that someone opened an account under my name. But why is this the first time I'm hearing about it? No one has ever contacted me before. And why are they trying to collect on a debt that was charged off 18 years ago? Their letter even states " the law limits how long you can be sued for a debt and because of the age of the debt they will not sue me or report it to any credit agency. '' I don't know what to do.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94509
Submitted Via: Web
Date Sent: 2023-07-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-02
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: On XX/XX/2023, I received an email offer from Citibank to earn XXXX American Airlines AAdvantage miles if I completed the following activities : 1 ) Open a new checking account by XX/XX/2023. 2 ) Make qualifying purchases of {$1000.00} on the debit card. 3 ) Have two or more direct deposits totaling {$1000.00} or more. On XX/XX/2023, I opened a checking account with Citibank through the offer email referenced above and transferred money through an external checking account to fund the account. Thus, completing requirement # 1. During the timeframe of XX/XX/2023, through XX/XX/2023, I made purchases on my debit card totaling {$1000.00}, which exceeds the {$1000.00} minimum spend requirement, thus completing requirement # 2. On XX/XX/2023, a direct deposit of {$1500.00} was made from my employer. On XX/XX/2023, a second direct deposit of {$1500.00} was made by my employer. On XX/XX/2023, a third direct deposit of {$1500.00} was made by my employer. Thus, completing requirement # 2. According to the terms of the offer, pulled directly from the email offer I received, and have attached to this complaint, " Your AAdvantage bonus miles will be credited to your AAdvantage account within 30 calendar days from the date you complete all required activities ''. Later in the email in the terms and conditions it states, " The maximum amount of bonus miles credited will be based on your Checking Account Package on the 30th calendar day after the Account Opening Date and completion of the Required Activities ''. Therefore, according to Citibank 's terms and conditions and email offer, once all required activities are completed the miles will be sent to my account on no later than the XXXX calendar day. However, I have yet to be given my miles and have been given the run around by the Citibank customer service teams : On XX/XX/2023 at XXXXXXXX XXXX, I called Citibank to confirm that my account is linked with the offer and to confirm that I have met all required activities. After I was given multiple false answers including that I did not have enough money in my account to qualify for the offer, I was told that there is no way to confirm that I have met the minimum requirements. Additionally, I was told by the customer service representative that I did not understand the offer terms and needed to have my account active for at least 90 days, then needed to wait another 30 days for the offer. I asked to speak with a supervisor and was denied. On XX/XX/2023 at XXXXXXXX XXXX I called Citibank to check on the status of my offer. After being transferred around I was once again told that I did not understand the terms of the offer and was told that I needed to wait at least 90 days, plus another 30 days. After reading the quoted sections of the email several times to the customer service representative, she placed me on hold. She came back and stated that I have met all required activity for the account and because I met the requirements on XX/XX/2023, the miles would be in my account within 24-48 hours. When asked if she was positive that the miles would be issued today or tomorrow, she stated that she was 100 % sure. As of the writing and submission of my complaint, I still have yet to receive my offer miles from Citibank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19063
Submitted Via: Web
Date Sent: 2023-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A