Date Received: 2023-05-22
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: A Citi AAdvantage XXXX XXXX XXXX XXXX was opened in my name without my knowledge. I called them immediately and reported it to Citi 's fraud department, then I filed disputes with the 3 credit report agencies, XXXX, XXXX, and XXXX, that the account was fradulent. So far, XXXX and XXXX have not allowed my dispute saying that Citi said the account was correct however when I call Citi, they say the account was fradulent and they have closed it, but they will not acknowledge this and update the report to the credit agencies.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77008
Submitted Via: Web
Date Sent: 2023-05-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-22
Issue: Problem caused by your funds being low
Subissue: Bounced checks or returned payments
Consumer Complaint: I wired transfer {$1100.00} then {$3400.00} then I'm not getting it back.from my bank nor the scammer
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10467
Submitted Via: Web
Date Sent: 2023-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-22
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act XXXX Account # XXXX, 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. 15USC 1666B : A creditor may not treat a payment on a credit card account under an open and 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: CA
Zip: 91350
Submitted Via: Web
Date Sent: 2023-05-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-22
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: So I called citi bank in regards to application for the aadvantage platinum card to c if I can get the sign up bonus and they checked my account and they I am able to get it I applied for the card met the spending requirement and then they said no your not and we are sorry the agent informed you otherwise No 1 was willing to help me at all
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08527
Submitted Via: Web
Date Sent: 2023-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-23
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I purchased a dress from Macys and returned the dress. I have proof of the return. The purchase remains on my Macys account even though I contacted the number on the back of the credit card statement ( I have proof of delivery of the dispute. ) Macys has reported this to the three credit bureaus. I filed a dispute with each of them providing them with the documentation of my return, however, the credit bureaus did not remove this erroneous reporting from my file. Macys continues to bill me for the dress - a statement was received in todays mail (XX/XX/XXXX ). I don't know what else to do. I do not have the dress, it was returned, and I am not going to pay for something that I do not have.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 559XX
Submitted Via: Web
Date Sent: 2023-05-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-22
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Hi, to whom it may concern : I applied for a Citi credit card on or about XX/XX/XXXX and been having problems, issues with the card ever sense. First, when I applied for the card online, someone used / scammed/ got my information somehow I dont know how that happened when I applied for the Citi card . Citi sent me a card stating that it would take 7 to 10 business days to receive it. I never received card, apparently someone else use the card when they received it somehow when Citi sent the card. So they sent a new one which I received, I think they are doing an investigation on the other card they sent but they have been not clear on the status of the investigation! Im ver upset because when I try to use the card I have to calm them all the time to verify my information. Thanks had happened several times!! Very frustrating!! I understand they are trying to find the individual and or scammer who used my name unauthorized but this has been a headache to me verify my identity over and over again!!! Can you please assist here!! I very upset with this matter!!! Citi has not been the best help trying to clear this up and get my card back to normal plus find out who used my name on the first card they sent out that I didnt receive!!! This has been really stressful!!! Please help!! Thanks XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30064
Submitted Via: Web
Date Sent: 2023-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-23
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: 15 U.S. Code 1666b Company did not mail or deliver bill within 21 days before the payment due.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30265
Submitted Via: Web
Date Sent: 2023-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-23
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: XX/XX/2023 I went to XXXX XXXX for groceries. I scanned in my membership card and paid for my bill, {$86.00} at XXXX XXXX. I left and walked to my car. I searched for my card and realized I left it on the credit card terminal. I went back inside to search and the worker reported she had given it to her manager. I then went and got gas, again scanning my card for {$63.00} at XXXX XXXX. Later after looking at my statement, between XXXX and XXXX there were two separate XXXX charges for {$180.00} at XXXX XXXX and {$190.00} at XXXX XXXX. Neither of these two additional charged were scanned under my membership account. Upon seeing these charges, I canceled my card and reported the charges as fraud. Citi bank has denied these fraud claims. I am now no longer able to see my past purchases beyond my most recent one with my linked Citi Costco card. If this is resolved I will be more than happy to show that I only scanned my membership card for my initial purchase and for my gas.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55126
Submitted Via: Web
Date Sent: 2023-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-21
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Citibank decided to close my account for no reason, and when I called on XXXX they told me they will mail me a check. I called on XXXX to see where they were in the process. The representative told me it wasnt closed yet. It has been about 30 days now, and I still haven't gotten a check.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: 660XX
Submitted Via: Web
Date Sent: 2023-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-21
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I received multiple invitations, both through email and physical mail from Citi bank to open an accelerated savings account to earn XXXX $ bonuses after meeting certain requirements. Right after I opened the savings account in XXXX, I called the bank to ensure and got confirmed I am eligible for the promotion/bonuses advertised. When I didnt receive the bonus in XXXX after meeting the requirements, I called Citi bank XXXX After looking into it, they say I should receive the bonus on XX/XX/XXXX. However after I checked and called again in XXXX, Citi said I dont have a promotion attached to my account. However, I applied the account through the link sent to my email. I also called several times to ensure I am eligible for the promotion. I put large amounts of deposits idling in the account just to ensure I am meeting the requirements to receive bonuses. I have done all the right thing I can possibly do, and Citi bank refuse to honor the offer. The invitation code I received in my email is as listed. Invitation Code : XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 65203
Submitted Via: Web
Date Sent: 2023-05-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A