Date Received: 2023-04-29
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: My problem is that a fraudulent credit application was filed in my name to MACYSXXXX for a department store credit card. My credit monitoring service " XXXX '' sent me a notification about the fraudulent application, so I contacted MACYSXXXX to notify them about the fraud. They informed me that the application process was halted and that the credit inquiry on my credit report would be retracted. This occured on XX/XX/2023. I waited until XX/XX/2023, and the credit inquiry was never removed from my report. I contacted them again about this, and they told me that they would remove the inquirey. On XX/XX/2023, I checked my credit report, and not only did they not remove the inquiry, but they added another one. Now I have two fraudulent inquiries from MACYSXXXXXXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 15650
Submitted Via: Web
Date Sent: 2023-04-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-28
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I opened a Macy 's credit account and they provided me with a temporary card. I received a bill for the balance before I received a physical card. The bill did not include a full account number so I used the account number referenced on the temporary card and paid in full ( XXXX ) via my on-line checking account. They took the payment but lost it. I received a second bill stating balance was not paid and charging interest. I immediately called in, explained my issue and was told another department would look into it and call me back. They never did. I have contacted the credit card company no less than 5 times. I have sent them proof of the payment with amount and their name on the withdrawel. I have shown they never returned payment so they still have it. Within 30 days of sending them this information they reported non payment to the credit bureaus. I have sent the credit bureaus the same proof but apparently my credit score keeps going down. The bills even say the account is in dispute and I do not owe the disputed amount at this time, but the only other charges on the account are the fees and interest on the {$330.00}. I recently applied for a XXXX XXXX XXXX and was denied due to this issue. How do I get this removed from my credit report, restore what was an excellent credit rating and get Macys to apply my on time and in full payment that they took on XX/XX/?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02043
Submitted Via: Web
Date Sent: 2023-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-27
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I was never late on the paid off account listed above. Please show me documentation showing proof of transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete this alleged late payment from my credit report. The FCRA allows 30 days for this to be rectified.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10704
Submitted Via: Web
Date Sent: 2023-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-27
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX & Account # XXXX ), has violated several of my rights. 15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 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. Remove this late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 228XX
Submitted Via: Web
Date Sent: 2023-04-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-27
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I have been calling/mailing the form and going back and forth with CitiBank for over a month now. I simply need the funds to be transferred to another institution. Now the CitiBank is saying that they can not transfer the funds because the account XXXX XXXX number is not correct/indicated on the form! NEITHER THE ACCOUNT NUMBER OR SOCIAL SECURITY NUMBER WAS REQUESTED ON THE FORM!!! IS THIS WHAT CITIBANK DOES TO KEEP CUSTOMERS MONEY FOR A LONGER PERIOD OF TIME SO THEY CAN PROFIT OFF OF IT??? Can you PLEASE have someone look into this IMMEDIATELY! The Retirement Line phone number I've been calling at CitiBank is XXXX and speaking with XXXX, XXXX and XXXX. Please contact me at XXXX or XXXX as soon as can and if you need any further details.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10469
Submitted Via: Web
Date Sent: 2023-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-27
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 was affected by XXXX in XXXX 2020 and had 3 late payments on my credit card. I paid the late fees and have not had any more late payments since. The credit card company states that they can not remove the reported late payments. No reason was given. This is have a negative affect on my credit even though it was thee years ago. According to the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) the late report should be removed if the account is in good standing now.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77356
Submitted Via: Web
Date Sent: 2023-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-27
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: After reviewing an online promotion from CITIBANK that entailed receiving {$200.00} for opening a new account and depositing x amount of money for x amount of time, I opened an account with Citibank on XX/XX/XXXX. On XX/XX/XXXX I received an email that my debit card was on its way. I received my card shortly. On XX/XX/XXXX I received an email stating that I still need to make a deposit. I made my deposit for XXXX shortly after. On XX/XX/XXXX I activated my debit card. I tried to sign in to my account and couldnt sign in. I called Citibank and they mentioned a fraud alert. I was transferred to many different departments. After hours of being on the phone I was told that the account was going to be closed in 30 60 days and I would be mailed a check. I called back numerous times and no one took accountability and the issue has not been resolved. I requested a supervisor call back on numbers occasion and each time I was told someone would call me back but XXXX failed to call me back. I received a Citibank statement showing a withdrawal on XX/XX/XXXX for XXXX. I called Citibank on XX/XX/XXXX, and XXXX, a Citibank agent told me that a check was mailed on XX/XX/XXXX. Once I informed him the check wad not received he called a department to see if the check was cashed to issue a new check. After waiting minutes online XXXX informed me that a check was never mailed and it couldnt be mailed due to possible fraud. I was than told to call XXXX, which ive attempted to call several times and get a message that says, Thank you for calling citi the person you are attempting to reach is unavailable at this time. Please use an alternative method to reach this individual or try your call later. CITIBANK has fraudulently attempted ripped off several consumers according to online complaints regarding the same issue. Is Citibank, a bank, is so desperate for money that theyre ripping off consumers? They have been sitting on my money for close to 90 days now.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80016
Submitted Via: Web
Date Sent: 2023-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-27
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: Citi bank sent me an offer for 0 % interest rate for balance transfers. So I opened an account on the offer code sent to me via mail. I once account was open I used the balance transfer of {$10000.00} from my XXXX XXXX account to Citi account. That was XX/XX/XXXX, that the balance transfer was confirmed by Citi. Weeks go by XXXX XXXX XXXX reflects no reduction of the transfer amount of {$10000.00}. I call Citi and they stated they sent the funds to XXXX XXXX XXXX. Citi instructs me to call XXXX XXXX XXXXXXXX as the issue is on their side. I call and XXXX XXXX XXXX says no they did not receive the funds to call Citi. Call XXXX back and told the funds are sent and will hit my XXXX XXXX XXXX account in a day or two. I wait a week nothing. I called both banks several times including XX/XX/XXXX when XXXX XXXX XXXX agent states they see the {$10000.00} funds disputed and unsure why and what. But then not shown in transactions. She was confused and sent me to the transfer department directly. Transfer department says no nothing there and no dispute to go to Citi bank. Got nowhere with either bank then. Called again a day later and told by Citi to verify the account I do so and mention it was several times. Person at Citi says the issue is the wrong account info given. Total lie but ok as it was verified several times prior in phone calls to Citi. I call on XX/XX/XXXX to both banks and get nowhere. I am told by Citi here is the tracer number XXXX XXXX can look it up and Citi sees it and verify funds went to XXXX. XXXX # XXXX. I was asked Citi bank for a confirmation of funds transferred and was told it will take 24-48 hours for that department to send me the record receipt of funds transferred. After asking twice for that confirmation on XX/XX/XXXX I got an email from Citi that stated transfer was successful but dated XX/XX/XXXX. Having that tracer number and my customer ID XXXX. I call the banks both again and told by XXXX XXXX XXXX they opened a dispute case on this and I would hear back regarding this situation. I have not and it is nearing a month now. I have been stuck in limbo since XX/XX/XXXX showing a credit card debit doubled what it is. My credit score fell XXXX points due to all this. I am in the process of purchasing a motorcycle and this has directly impacted me and me monetarily at this point. Neither bank will help and both tell me to go to the other bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 932XX
Submitted Via: Web
Date Sent: 2023-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-27
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: For several years my Citi Best Buy XXXX card has failed to list the exact minimum amount due. The amount listed always includes the amount the card is over its limit ( which Citi allowed to happen ). I generally have to guess what my minimum payment is, as I can not afford to make a payment of {$2000.00} plus. Their website and XXXX number also do not provide the true minimum payment. I have complained to the company about this approximately XXXX years ago and for a few months, the billing statement reflected the true minimum payment. In the last year I have made payments in amounts ranging from {$350.00} to {$500.00}, when my budget allows. I have not made any new charges to the account in at least XXXX years. For the month of XXXX, I made a payment of {$400.00}. I had been struggling but had been making payments of {$500.00} for the last few months. I have received harassing phone calls and emails stating that my payment was {$67.00} short. I explained to the caller that based on my statement, there is no way for me to know what the correct minimum payment is. The caller did not act like she understood what I was talking about. In addition, if Citi was accepting payments as low as {$350.00} without calling or sending emails, then they must have raised my interest rate. Generally, if the consumer isn't making new purchases or charges, doesn't this mean the consumer did not consent to the interest rate increase?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 38654
Submitted Via: Web
Date Sent: 2023-04-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-27
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: On Tue XXXX XXXX I got an email " Your Citi account ( XXXX ) will automatically close within 60 days '' Prior to this I noticed an unauthorized transaction on my account which I Lodge a complain for investigation. I was following up with Citibank fraud department to know the outcome of the investigation. I was told they will get back to me, thereafter I can't follow up with the investigation because I blocked me from accessing my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76903
Submitted Via: Web
Date Sent: 2023-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A