Date Received: 2023-05-05
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am in possession of the documents submitted by Macys as proof that I obtained credit from them. They did not provide anything with my signature and nothing showing they verified my identity. They did not provide any proof that I consented to their company sharing my private and personal information with a third party, including credit reporting agencies. Please provide SIGNED DOCUMENTATION of this consent to share private information with third parties or assume you do not have any. The consent must be signed separately from the lease per federal law. At this point I have made multiple attempts for this company to cease sharing all personal and private information with ANY AND ALL THIRD PARTIES, INCLUDING CREDIT REPORTING AGENCIES AND THEY HAVE NOT COMPLIED TO FEDERAL LAW. According to 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, 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. So far none of this has been provided. It is my right as a consumer and they are refusing to cooperate in good faith. None of which has been provided.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92345
Submitted Via: Web
Date Sent: 2023-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-06
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I want my deposit returned! This was a secured card added to my bankruptcy
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-06
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Citibank is misapplying my payments to lower interest rate balances in violation of their terms. I called Citibank on XX/XX/23 to get a better understanding of why my payments were being applied to the lower interest rate balance instead of the higher interest rate balance. After spending 2 hours on the phone with a CSR and then a manager, I was told that I could not get a detailed explanation of where my payments were applied because the system was unable to look at that data from prior statements. I was literally told to make payments in the future and they could tell me which balance they were applied to, but they could not tell me regarding past payments. My spending and payment amounts are nearly the same each month but still my lower interest balance drops by thousands each month while my higher interest rate balance increases by thousands each month. It seems unacceptable to me that they can not explain why.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 484XX
Submitted Via: Web
Date Sent: 2023-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-04
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I have been locked out of my Home Depot credit card website and app. When I try to access them it says : " Access Denied '' and that I do not have permission to access the server. I have approximately 15 promotional offers with this credit card with the oldest one set to expire on XX/XX/XXXX. Note that it is now Thur XX/XX/XXXX so that deadline has passed. On XX/XX/XXXX I contacted Home Depot Credit Card Customer Care at ( XXXX ) XXXX. In a 15 min, 12 sec phone call the Customer Care Representative failed to provide me and give me access to my credit card information. She did offer to send me a complete transcript of my credit card transactions. I specifically asked for a listing of transactions SINCE MY MOST RECENT CREDIT CARD STATEMENT which was approximately on XX/XX/XXXX. She said it would take approximately 7 to 10 business days to receive this information. I received a package from Home Depot Credit Card on Wed XX/XX/XXXX, a day after the first promotion set to expire. This package contained a copy of all my credit card statements dating back to XX/XX/XXXX. It did not include what I specifically asked for, namely : 1 ) Did I pay off the full balance of the promotion that expired on XX/XX/XXXX XXXX ) How was my most recent transactions allocated across all of the promotions I have running concurrently XXXX ) What is the current state of my promotional balances as of XX/XX/XXXX XXXX ) What is the payment reversal which occurred in the past few weeks or so? On XX/XX/XXXX I paid {$15.00} to XXXX, a consumer advocacy organization. Within a few days I received a phone call from XXXX who stated that she was with the Home Depot Executive Escalation department. I attempted to explain my greivances with Home Depot and it's credit card ( approximately 20 ) and she did not provide me any source of resolution. She stated that any Home Depot Credit Card issues had to be addressed to Citibank. When I contacted Citibank they stated that they are just a " money collection '' department and that any promotional balances had to be discussed with Home Depot directly. I have made the following phone calls in an effort to get this resolved : XX/XX/XXXX XXXX am outgoing call of 10 min, 15 sec XX/XX/XXXX XXXX XXXX outgoing call of 6 min 16 sec XX/XX/XXXX XXXX XXXX outgoing call of 6 min 35 sec XX/XX/XXXX XXXX XXXX outgoing call of 20 min, 22 sec XX/XX/XXXX XXXX XXXX outgoing call of 13 miin 9 sec XX/XX/XXXX XXXXXXXX XXXX outgoing call of 1 min 53 sec The package I received on XX/XX/XXXX did not include the recent transactions since my last bill. I once again contacted Home Depot Credit Card services on XX/XX/XXXX and the Customer Service Rep told me I have a promotional balance of {$110.00} set to expire on XX/XX/XXXX but she was unable to send that to me in writing by email or mail. She attempted to get me access to my Home Depot Credit Card transactions ( include promotional balances ) but was unsuccessful, despite numerous attempts using numerous methods. She referred me to Home Depot Credit Card Tech Support, but I have decided to escalate the issue to the CFPB. I have included 16 documents in this complaint, but bear in mind I have many, many additional documents, to include voicemail messages, chat transcripts, screen shots, and phone call recordings. But being a respectful person I have decided not to include them in this complaint at this time as I do not wish to over burden Home Depot Credit Card Services. I can and will include this additional documents and files at a later date.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-04
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 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 an account without my written instructions. 15 USC 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: NY
Zip: 10550
Submitted Via: Web
Date Sent: 2023-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-04
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Late XX/XX/2023 a bank ( Citibank ) called me to find out if I had applied for a credit card. I told them that I did not apply for a credit card. They told me that they would not approve the card and asked that I file a report with Identitytheft.org I filed a report with XXXX XXXX XXXX XXXX mobile account also alerted me that there were recent Hard Inquiries on my credit for credit cards or accounts that I didn't apply for. I also found out through my work that there was a breach with our personal information through an insurance company called XXXX XXXX XXXX last year and that we could get free credit report surveillance through a company called XXXX. I then filed an account with XXXX ( phone number is XXXX XXXX XXXX ). They asked that I freeze all of my accounts through XXXX, XXXX, and XXXX. I went ahead a did that. When I called XXXX to request that the hard inquiries are removed from my credit report, they asked that I file fraud with either my police department or with FTC.gov. When I went to the FTC.gov website, it brought me to this website to make my report. I would like to have the following hard inquiries removed from my credit report as XXXX are fraudulent : XXXX XXXX Don't know what bank this is ) XX/XX/2023 ( Shows up on my XXXX XXXX account ) Citibank NA, XXXX XX/XX/2023 ( XXXX doesn't have this listed but it shows up on my XXXX XXXX account ) XXXX Card service XX/XX/2023 ( XXXX has the date listed as XX/XX/2023 XXXX Card services XX/XX/2023 XXXX XXXX Bank XXXX XX/XX/2023 XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95603
Submitted Via: Web
Date Sent: 2023-05-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-04
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My Citibank account has not been accessible for the last XXXX weeks. I have attempted to resolve the issue with Citi directly, calling their internal number ( XXXX ) XXXX ( Option XXXX ) on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Each call I was assured that access to my account would be restored within 48 hours but access to my account has yet to be restored. Furthermore, since my account statements are associated with my savings account, I am unable to view any digital records pertaining to the account. The existence of the account has even been removed from the digital dashboard. I still am in possession of the ATM card, deposits made into the account from external checking accounts, and account creation emails.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53703
Submitted Via: Web
Date Sent: 2023-05-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-04
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have inquiries I dont recognize on my report such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08081
Submitted Via: Web
Date Sent: 2023-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-04
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Hard Inquire reported on my account is inaccurate. Needs to be removed, it is damaging my lifestyle. XXXX Inquiry Date : XXXX Removal Date : XXXX Type : Department and Variety Stores XXXX non specific It is being reported on my credit and damaging it. PLEASE CORRECT and REMOVE as soon as possible.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 79924
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-04
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: My checking account was closed with citibank due to fraudulent on their end. But not sure how they came up with that. It was a honest mistake that I deposit an unemployment check that was previously deposited and it was returned. Not sure why they closed my account when I had all my direct deposit from my employer coming in. My account could have been in good standing just that they closed for no reason and put on hold all my available funds. Doesnt make sense
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91761
Submitted Via: Web
Date Sent: 2023-05-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A