Date Received: 2023-05-19
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Hello Im complaining about payment on my card for XXXX $ dollars.Before starting I want to say that I really dont understand much about credit cards. So I met this person at a bar in XXXX XXXX and we became friends and long story short one day he borrowed money XXXX $ and promised to return and afterwards he said that he doesnt have cash money and said he can pay my bill or card payment. I gave my card information to this person so he can pay my outstanding balance because I lost hope that he will be able to pay cash.He made a payment and extra payment of XXXX $ dollars and said he paid extra because he didnt give my money on time as he promised. Months pass and I received a statement from my Citi advantage card stating that that payment was fraudulent payment and I owe XXXX XXXXThe persons name was XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91205
Submitted Via: Web
Date Sent: 2023-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-19
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX CITIBANK N A XXXX XXXX XXXX CITIBANKNA XXXX XXXX, TX XXXX Notice To Principal is Notice to Agent and Notice to Agent Is Notice to Principal Notice 1099c Tax ERROR When reading my credit report I notice a charge-off account being reported. Account Name : CITIBANK NA Account # # XXXX Thanks for forgiven the debt. After reviewing the account thoroughly, I see the account was a write-off. This means a lot to me and I am very appreciative that the debt has been forgiven. When reading the instructions for Debtor on the 1099c form from the IRS, it mentions I should have received a 1099c form from the creditor because the creditor has XXXX, canceled or forgiven the debt. Further more, it goes to explain I am required to include the discharge amount in my income. I never received the 1099c form to take care of this matter. This letter is to inform you CITIBANKNA that an error has taken place. On my consumer report there should be no balance owed, no past due amount, and there should be no days of being late associated with this charge off account. I have attached a copy of the report for you to see as a visual. Please correct this matter as soon as possible. Incorrect reporting to my consumer file is damaging my ability to be approved for credit. This is a misrepresentation of my character. This is a violation of my rights. In hopes that this is not negligent behavior and a act of tax fraud, I am kindly open, giving you the opportunity to correct the reporting of the above account. Thanks for being so kind to have canceled the debt. Please correct the Error and remove this XXXX debt from my consumer report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07201
Submitted Via: Web
Date Sent: 2023-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-19
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I don't use this card often. Twice within the past year I have been charged {$2.00} on a XXXX Balance... Most recently paid XX/XX/2023 in full {$100.00}... received the next bill for {$2.00} on a XXXX balance ... called Macy 's and they removed that fee. Why am I EVEN being charged anything or receiving a bill with a XXXX BALANCE? Scammers. how many unsuspecting people pay this {$2.00} fee?????
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07010
Submitted Via: Web
Date Sent: 2023-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-19
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I am writing to try to bring to resolution an identity theft perpetrated by an individual or entity using a synthetic ID of me through a Citibank account that if left uncorrected could be very detrimental to my financial standing and potentially incur financial penalties and sanctions from the IRS. I received a 1099-MISC tax form from Citibank stating that I had received {$830.00} in other income for tax year 2022 from an unknown ( to me ) Citibank account XXXX The 1099-MISC form was sent to me with the correct street address, state and ZIP code, but listed the town where I moved from 10 years ago, not my current town of residence. The last XXXXour of my SS number are correct, but the account number is not one I recognize from my decades of dealing with Citibank. I brought these facts up with customer service as well as speaking in-person with a local Citibank branch manager. I was told the account number was linked to an IRA through XXXX XXXX XXXX, and a fraud investigation was started. I was told I would receive a response/update in 3-5 business days by email. That was three weeks ago, and despite multiple calls, I havent received any response as to the status of this case.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-19
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XXXX XXXX, I had XXXX $ wired into my account from a consignment sale in Florida from XXXX XXXX. Around the same time I had went to New York to pick up a motorcycle I was purchasing. Citi bank said I couldnt access my funds to buy this motorcycle because I didnt have debit card number to verify account, I had my neighbor get the mail at my home and send me a pic of it and verified the number. They told me I had to wait for a reference number in the mail then. I came back from New York, went to main branch office in XXXX XXXX SD. They cut me a check for XXXX $ told me to wait for the letter. I went back to New York got the bike. Came back got reference letter and gave it to them on the phone. They said the phone number was not correct with the account! I gave them every phone number I have ever had, none of them worked. They told me I had to wait for another reference letter. I went back to XXXX XXXX SD and talked to branch management! Explained this is my life savings, showed them state id, ss card, verified my phone number. Lady on phone with us from fraud dept, hung up on us after she said she closed the account, a check will be mailed in 30-60 days if any funds are deemed to be mine! This is a XXXX XXXX XXXX! I have XXXX $ of my life savings in this account I have not had access to at all since I have had it deposited! XX/XX/XXXX, was the date I was in South Dakota last so it supposed to be mailed by XX/XX/XXXX! I need my money, they have it and are not releasing it! I need action taken on this! Citi bank is a thief!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 505XX
Submitted Via: Web
Date Sent: 2023-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-19
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XX/XX/2023 my wife wrote a check for {$1800.00} to XXXX XXXX XXXX XXXX. The check was presented and paid on XX/XX/2023. This morning I discovered the check was rejected and the funds were credited back to my account. It was a frustrating experience to try to find out why such action was taken. Several bank employees could only tell me that a fraud agent decided not to pay check after calling me. No such call was ever received by me or showing on my phone log. The solution the bank suggested is to go to a branch or make some additional phone calls. Obviously Citi Bank needs to review their procedures and training of their staff. It is not the consumer who needs to run around to correct an " error '' of the bank which only benefit the bank by holding the funds longer. It is an embarrassment to have a check bounce specially when it is not your fault.
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: 2023-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-19
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( Enter Account Name ) : ( Enter Account Number ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks, Fair Resolution! Update the account to Paid on time and never late. Or remove it from my consumer report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60074
Submitted Via: Web
Date Sent: 2023-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-19
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 account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90027
Submitted Via: Web
Date Sent: 2023-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-19
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX, and only XXXX, shows a Citicard account that does not belong to me. I contacted Citicard and they verified that I do not have an account with them and recommended I file a dispute with XXXX. I filed the dispute, but XXXX says that Citicard verified that the account belongs to me. I also received a letter from Citicard stating " they are unable to update the credit report because to remove authorized users from credit reporting the authorized user must be removed from the account ''. I called Citicard again and explained that someone had committed fraud and that the account is not mine. They said I am not in their system so they can not do anything about the account because I am not in their system. I told them the reason I am not in their system is because I do not have an account with Citicard. The representative just kept saying there was nothing she could do because I am not in their system. Their letter also said that if I have any questions regarding the matter I should call the number on the back of my card, which I can't do because I don't have a Citicard card because I don't have a Citicard account. For some unknown reason Citicard simply has no interest in contacting whomever it is they are sending the bills to in an effort to straightened things out, so at this point I am left with no other choice than to file a report for fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33441
Submitted Via: Web
Date Sent: 2023-05-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-19
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I had a fraudulent charge of {$90.00} made to my account in XXXX of this year. I discovered this in XXXX and had Macy 's Fraud Investigation Department begin an investigation immediately. They closed the stolen account and opened a new one. They released a letter on XX/XX/XXXX ( attached ) claiming that they could not find evidence to support my claim. And they moved the disputed charges ( plus late fees ) onto the new Macy 's credit card. I was told by the Macy 's Fraud Investigation Department that this fraudulent charge was made in person at a shop in California. I was in XXXX during the entire month of XXXX, which I can prove through GPS data, various purchase receipts, security camera footage, and photographs on my phone. Macy 's was silent since XXXX until XX/XX/XXXX, and my credit score went down by XXXX points because of this fraudulent charge. When I reported this to consumer reporting agencies in XXXX, they finally closed the investigation but it was against my favor. They are literally charging me for a purchase that I can prove could not have been made by myself. Please help me resolve this issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60637
Submitted Via: Web
Date Sent: 2023-05-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A