Date Received: 2023-06-22
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: MACYS store card is been charging me late fees on top of other " hidden fees " for late payments and more I've been paying on time since 2022 and now that I check on XXXX I owe double the amount before which was {$400.00} ( owing ) now is {$800.00} without using the card x months!!! So payments are going NOWHERE and the monthly charges are increasing even more every month... now the amount is {$860.00}!!! When my card limit {$800.00} I've been calling and they just want me to keep paying every month while I'm being charged like I haven't made a payment... they hang up phone and no one helps me to explain
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08865
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-22
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I made a {$15000.00} payment on my card which was received and posted to my account on XX/XX/XXXX yet Citibank put a " hold '' on my funds until XX/XX/23.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 140XX
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-22
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: This company bank is corrupt they sent me a letter by mail telling me a payment solution may be available if I call them I need a settlement after loosing my job I dont have the money and have stopped paying them for this reason when I called they refused to help And said no to their letter and settling this account for less than the full balance Im still without a job and dont have the full balance
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11365
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-22
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: Opened checking account ( XXXX XXXX and deposited $ XXXX on XX/XX/23. I was to receive {$500.00} after 90 days of maintaining a minimal balance of $ XXXX. I never touched any of the $ XXXX, to this day. I have never received the {$500.00} bonus, although they tell me, in my phone calls to Citibank, that XXXX entitled to receive it. I was even mailed a W9, which I returned immediately, and the phone reps admit it was received, but they refuse to advise me when/if I will ever see the {$500.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 704XX
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-22
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I, XXXX XXXX XXXX, am filing this complaint with the Consumer Financial Protection Bureau to assure that the rights granted to me under the Fair Credit Reporting Act ( FCRA ) 15 U.S. code XXXX are fully enforced. I assert that the creditor ( CBNA ( CITIBANK , NORTH AMERICA ) ) and reporting agencies ( XXXX, XXXX ) have directly violated the provisions of the FCRA by the specifics of each instance of violation are outlined below, along with specific citations of Title 15 of USC Code, 1681 and 6802, as well as 12 CFR where I believe my rights have been violated. I will also provide a PDF file of this text, in the supporting documents section, for greater clarity and clearer formatting. As a consumer, I have suffered from the negative, deleterious effects of these infractions and I hence request punitive damages and reparations be provided to me to remunerate my losses, which I will summarize in an attached PDF file, titled CFPB Consumer Finance Protection BureauXXXXCBNA_CITIBANK-NORTH AMERICA_XXXX-2023.pdf ( This Document ) ___ ___ ___ ___ ___ ___ ___ ___ ___ ___ According to the Fair Credit Reporting Act 15 U.S. Code 1681 - Chapter 41 > Subchapter III 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting ( 4 ) states : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My assertion is that they have violated this by the detailed issues/violations set forth in the following : ISSUE VIOLATION ( 1 ) 15 U.S. Code 1681 - Congressional findings and statement of purpose ( b ) Reasonable procedures states : It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. My assertion is that their process has in no way been fair and equitable to me, the consumer, specifically with regard to the confidentiality, for these items are now a matter of public record, without my prior knowledge or agreement. 15 U.S. Code 1681 : This represents 1 violation per each of the 3 reporting agencies XXXX, XXXX, and XXXX ( 3 total ) ___ ___ ___ ___ ___ ___ ___ ___ ___ ___ ISSUE VIOLATION ( 2 ) XXXX, XXXX, and XXXX XXXX are consumer reporting agencies and I am the Consumer. I assert that I have the right to have assurance that my private information is not shared- which is backed by : 15 USC 6801 ( a ) Privacy obligation policy which states : It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. It is also backed by Privacy Act of 1974 ( 5 U.S. Code 552a ) Records maintained on individuals which states ( t ) ( 1 ) Effect of Other Laws.-No agency shall rely on any exemption contained in section 552 of this title to withhold from an individual any record which is otherwise accessible to such individual under the provisions of this section. ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; CBNA ( CITIBANK , NORTH AMERICA ) is a financial institution by definition under Title 15 USC 6801 ( a ). My assertion is that they have violated privacy obligation policy by making these reports, which are now publicly available, and have not protected my security and confidentiality. This represents ( 4 ) violations : 1 with XXXX XX/XX/XXXX, and 3 with XXXX, XXXX, and XXXX XXXX of XXXX ___ ___ ___ ___ ___ ___ ___ ___ ___ ___ ISSUE VIOLATION ( 3 ) Further, under 15 USC 6802 Obligations with respect to disclosures of personal information ( a ) Notice requirements states : Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. My assertion is that CBNA ( CITIBANK , NORTH AMERICA ) has reported to XXXX XXXX XXXX XXXX and to XXXX, XXXX, and XXXX on XXXX of XXXX and have done so without my written consent. This represents ( 4 ) violations by CBNA ( CITIBANK , NORTH AMERICA ). ISSUE VIOLATION ( 4 ) 15 USC 1681 section 604 ( a ) section 2 states that : In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. CBNA ( CITIBANK , NORTH AMERICA ) the financial institution and the Consumer reporting agencies XXXX, XXXX, and XXXX the Reporting Agencies do not have my consent to furnish this information and they surely do not have my written consent. CBNA ( CITIBANK , NORTH AMERICA ) has reported to XXXX : XXXXXXXX XXXX XXXXXXXX and to XXXX, XXXX, and XXXX : XXXXXXXX XXXX XXXX This represents ( 4 ) violations by CBNA ( CITIBANK , NORTH AMERICA ) Any and all consent to XXXX, XXXX, and XXXX by CBNA ( CITIBANK , NORTH AMERICA ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. ( See attached Opt-out supporting documents ) Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. I am opting out of reporting services from the 3 Credit Reporting Bureaus. See supporting documentation in the attachments. ___ ___ ___ ___ ___ ___ ___ ___ ___ ___ ISSUE VIOLATION ( 5 ) Further, 15 USC 6802 ( b ) ( 1 ) states that : A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. CBNA ( CITIBANK , NORTH AMERICA ) never informed me of my right to exercise my nondisclosure option under any of these XXXX preceding options. This represents ( 1 ) violations by CBNA ( CITIBANK , NORTH AMERICA ) ___ ___ ___ ___ ___ ___ ___ ___ ___ ___ ISSUE VIOLATION ( 6 ) Not only that, but also 15 USC 1681C ( a ) Information excluded from consumer reports ( 5 ) states Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. This reporting is an adverse item they are reporting again without my permission which is against the law. CBNA ( CITIBANK , NORTH AMERICA ) has reported these adverse items to XXXX : XXXX XXXX XXXX and to XXXX, XXXX, and XXXX : XXXX of XXXX This represents ( 4 ) violations by CBNA ( CITIBANK , NORTH AMERICA ) ___ ___ ___ ___ ___ ___ ___ ___ ___ ___ ISSUE VIOLATION ( 7A ) 15 U.S. Code 1681s-2 ( a ) Duty of furnishers of information to provide accurate information ( l ) Prohibition ( A ) Reporting information with actual knowledge of errors states A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I have reason to believe this information is innacurate, and CBNA ( CITIBANK , NORTH AMERICA ) has not provided me the chance to rebut their assertions that the information is accurate. CBNA ( CITIBANK , NORTH AMERICA ) has reported these adverse items to XXXX : XXXX XXXX XXXX and to XXXX, XXXX, and XXXX : XXXXXXXX XXXX XXXXXXXX This represents ( 4 ) violations by CBNA ( CITIBANK , NORTH AMERICA ) ISSUE VIOLATION ( 7B ) CBNA ( CITIBANK , NORTH AMERICA ) has clearly not done their diligence in communicating with me in writing to confirm the accuracy of their information. This represents ( 1 ) violations by CBNA ( CITIBANK , NORTH AMERICA ) ___ ___ ___ ___ ___ ___ ___ ___ ___ ___ ISSUE VIOLATION ( 8 ) 5 U.S. Code 1681e ( a ) Identity and purposes of credit users states : Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title. I assert that XXXX, XXXX, and XXXX are in fact not maintaining reasonable procedures. This represents 1 violations each ( 3 total ) by each of these 3 reporting agencies. ___ ___ ___ ___ ___ ___ ___ ___ ___ ___ ISSUE VIOLATION ( 9 ) 15 U.S. Code 1681 ( b ) states : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. The consumer reporting agencies of XXXX, XXXX, and XXXX have never provided me with such written instructions. By violating section 1681b for permissible purpose and 1681c for information contained in consumer reports they are also violating compliance procedures under this title. This represents 1 violations each ( 3 total ) by each of these 3 reporting agencies. ___ ___ ___ ___ ___ ___ ___ ___ ___ ___ On the CFPB complaint next screen What would be a fair resolution to this issue? Immediate deletion of all account negative reporting and XXXXXXXX XXXX $ per violation of the FCRA and 15 U.S. Code 1681n - Civil liability for willful noncompliance My accounting of the totals follows in an attached PDF file called XXXX, XXXXXXXX XXXX_CBNA ( CITIBANK, NORTH AMERICA ) _ViolationAccounting_2023-06-22_15-57-58.pdf
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 811XX
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-22
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 XX/XX/XXXX, I purchased a kitchen renovation using my Home Depot credit card through Citibank. The total charged to Citibank was {$7300.00}. XXXX XXXX told me that I wouldn't be able to move forth with the project unless I pay them 100 % upfront. I never pay contractors like this but I agreed. After I paid them, I waited a long period of time for a contractor to become available to reface my cabinets and install a blind corner optimizer and pull out basket. Around XX/XX/XXXX, the cabinets and backsplash was installed. I immediately started having problems with the kitchen project. The blind corner optimizer was not functional in my cabinet and could not be used as described. There was not enough space for the organizer to pull out and clear to the right so I could utilize the other side of the tray. One of the contractor kept moving the stove and wanted to mess with my gas line to keep it. I did not agree, I just wanted a refund. The pull out basket was not as described. It was made of inferior quality where the organizer was flimsy and did not look like it could hold the weight as described in the advertisement. When I contacted XXXX, my sales consultant, on getting a refund and resolving other issues. She kept dragging out the refund process telling me that I needed to wait on the contractor while the contractor was telling me that they couldn't do anything without XXXX 's authorization. I was contacted by XXXX the install manager that also gave me several issues with the return. I waited for months to resolve things with XXXX XXXX to no avail. I even waited on the contractor to call me that XXXX said would but didn't. Finally, I contacted Citibank on XX/XX/XXXX, to try to get a chargeback. Citibank first told me that I won the case but they refused to send me anything in writing or credit my account. I called almost everyday for anything in writing but they refused. Then when I saw the document in my portal, it said that they considered it resolved. They kept closing my case without doing a proper investigation. First, I requested that Citibank get an itemized statement from XXXX XXXX because they didn't want to provide me with anything telling me what I had purchased for the item and paid for the kitchen project. Citibank would just close the case and I had to call back and demand that they reopen it and hold XXXX XXXX accountable by producing a itemized statement. When XXXX XXXX found out I did a chargeback they finally contacted me telling me that they wanted to try to resolve it. The problem was they tried to cheat me out of my money. The install manager named XXXX told me he knew for a fact that I paid {$300.00} for the blind corner optimizer and {$150.00} for the pull out basket. He even produced his own statement that didn't look right. The SKU numbers didn't match. XXXX did the same thing telling me that she knows I paid {$400.00} for the optimizer and {$150.00} for the pull out basket. XXXX kept pressuring me to sign it even though, I felt I paid more for it seeing that the project came up to {$11000.00}. I kept asking Citibank to intervene but they wouldn't. Finally, I was provided with my in store order from other sources outside of the XXXX location. I found out that XXXX XXXX tried to cheat me out of my money. Once I got my order number, I was able to look up my own receipt and see that I paid {$920.00} for the XXXX optimizer and {$200.00} for the pull out basket. I was charged XXXX times the amount for XXXX item and I almost signed for it seeing that Citibank wouldn't move forward with the chargeback. I felt like some type of price gorging was going on. I told Citibank but they refused to do anything. Lastly, I requested repeatedly for Citibank to produce an itemized bill with a better detail breakdown. I found out I was overcharged {$1900.00} for a backsplash in installation costs alone without materials. Their contractors did shoddy work and tried to make me pay twice as much as average for the bad install. Also, I found out that XXXX XXXX charge me twice as much for the subway tiles. Citibank refused to do anything to help with the chargeback. XXXX XXXX wants me to sign a settlement agreement and release agreement to stop me from talking about the thousands of dollars that they cheated me out of. They also want me to believe that I am suppose to accept the shoddy work they did knowing I was overcharge. Citibank refused to do any chargebacks or any credits to my account. The only credit on my account was when I returned a bathroom item unrelated to the kitchen renovation. Please see attach picture of the shoddy work. XXXX XXXX only wants to refund me money for the optimizer and pull out basket. They don't want to give me any type of money for the bad backsplash install and other overage charges on my bill. They are refusing to allow me any measurements quotes to see because I felt that they measurements was wrong. I really feel that some type of fraud was going on with XXXX XXXX and I express this with Citibank but they did nothing. I have expressed all of this to Citibank and they have done absolutely nothing to protect me from XXXX XXXX and their unfair and deceptive practices. Citibank refuses to hold XXXX XXXX accountable.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48336
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-22
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Citi Diamond Preferred credit card company isn't resolving my dispute on XXXX Unauthorized charges on my credit card, that were charged in XXXX, and were made without my knowledge. The first time I was aware of any " unauthorized charges '' on my Citi card was on XX/XX/XXXX, when a XXXX rep from Citi Fraud Dept called me. She said there was some suspicious activity on my account and did I authorize a charge from XXXX for {$3.00} on XXXX XXXX in XXXX, XXXX, or XXXX for {$50.00} on XX/XX/XXXX in XXXX, XXXX, or XXXX XXXX for {$59.00} on XX/XX/XXXX in XXXX, XXXX or XXXX XXXX for {$62.00} on XX/XX/XXXX in XXXX, XXXX? I replied, " Absolutely NOT!, I'm a XXXX citizen who barely leaves my home here in the XXXX XXXX! Why would I go to a XXXX in XXXX when I can go down the street to my local XXXX here! ''?? I did not authorize any charges from XXXX! What is really crazy about this conversation with the rep from Citi Fraud Dept on this day is that she only asked me about these four unauthorized charges and she could see ALL the purchases from XXXX! Yes, there were 26 more unauthorized charges from XXXX! Starting on XX/XX/XXXX there were 2 from XXXX, XXXX {$84.00} in unauthorized charges, 2 from XXXX, XXXX {$47.00}. On XX/XX/XXXX there were 4 more unauthorized charges from XXXX, XXXX {$92.00}. On XXXX there were 12 Yes! Twelve unauthorized charges from XXXX XXXX XXXX, XXXX {$350.00}! On XX/XX/XXXX there were 5 more unauthorized charges from XXXX XXXX XXXX, XXXX. I wouldn't be going thru this if this Fraud Rep asked me about ALL 30 unauthorized purchases on XX/XX/XXXX! I didn't see them until I got my statement in XXXX! The Security Investigation Dept at Citi tells me I've been Scammed and Citi does not credit scams they only credit Fraud! Now I ask you smart people out there, " if You are Frauded or Scammed aren't they ALL Unauthorized Charges on your Credit Card Right?? Citi Preferred Diamond Credit Card Company does Not want to Credit my Account!! On Citi Card website they state, " You are protected against unauthorized charges on your consumer credit card. At Citi, you will not be responsible for unauthorized Charges '' Really Citi Card? Can you Please Help me CFPB? I really need to get this resolved asap and I do not want to pay any interest charges or foreign transaction fee which they are already charging me! Help a XXXX out in the XXXX XXXX! I'm sleepless in XXXX because of this!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98499
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-22
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: E-mail phishing scam on XXXX from supposedly XXXX XXXX XXXX for XXXX XXXX XXXX membership of {$340.00}. Contacted Best Buy and they indicated that it is a phishing scam. Recommended to report incident. I am watching credit card for any bogus charges.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 601XX
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-22
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: Citi bank continuously for a year illegally withholding money from my account and never credited the sign up bonus to my account after all conditions have been met almost a year ago. The bank has been informed and sent twice by regular mail and once via email with proof of delivery all the documents they needed signed back to them, however, they continued to withhold the money from my account on a monthly basis and never credited my sign up bonus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 325XX
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-22
Issue: Other transaction problem
Subissue:
Consumer Complaint: Opened a 0 % balance transfer CITI card to pay on a line of credit at our bank, XXXX in Washington, PA on XXXX. The amount to be transferred, {$11000.00} was Never received at XXXX. I have talked to, XXXX people at CITI XXXX each XXXX, me having to start from day XXXX explaining the problem. I was given a TRACE ID # which I took to my bank, XXXX, & nothing was found. I made the mistake of not putting the full account # in when applying for the transfer money, but, did supply them with my bank name. Several CITI reps took my bank phone # & even the name of the banks manager to talk with her, after I gave permission to do so, & no one has ever made a call. Im told with each phone call to CITI, Its under investigation, call back in XXXX days!! I have made XXXX, healthy payments on this money that I do not have! Now, I read at CITI the XXXX will jump from XXXX XXXX % if the transfer isnt completed within 4 months from opening. Im at my wits end trying to find this money & CITI isnt doing a thing. THANKS! XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 153XX
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A