Date Received: 2023-04-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: MACYS/CBNA Balance {$960.00} Date open XXXX XX/XX/2015 XXXX has not removed this negative mark in my credit report, I can demonstrate with proof that this account does not belong to me. I did an investigation this company sent me a report showing that they open the account with a social security number also my name and address, that does not correspond to me this potentially affects me to apply any kind of credit or a job where I have already been rejected.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07522
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-24
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: There is a Macy 's credit card on my name I never made any purchases on Macys credit card. I have disputed those many many times but they are not removing it. The amount is {$720.00}. It is charged off as bad debt. The purchases was a result of identity theft. I asked them to provide me the proof of all investigations and they never did.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77407
Submitted Via: Web
Date Sent: 2023-04-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-25
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This company is in clear violation of the fair credit act 15 U.S CODE $ 1681c for reporting fraudulent accounts of my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20019
Submitted Via: Web
Date Sent: 2023-04-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-25
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/23 : My Citi bank 's Custom cash card ending in XXXX was compromised and was unauthorizedly charged {$170.00} by XXXX XXXX XXXX. XX/XX/23 : After receiving notification of the charge, I immediately called Citi Bank and informed them of the unauthorized transaction. Citibank reversed the charge and issued me a new credit card. XX/XX/23 : Got a letter from Citibank asking me to sign and confirm the unauthorized transaction. Case id : XXXX XX/XX/23 : I signed and emailed the letter sent by Citi and confirmed that it was unauthorized. ( email attached ) XX/XX/23 : Citibank closed the investigation and ill-judged that it was a valid charge. ( Letter attached )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07307
Submitted Via: Web
Date Sent: 2023-04-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-25
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: THIS COMPANY IS IN COMMITTING IDENTITY THEFT BY REPORTING INFORMATION OF MY CREDIT REPORT WITHOUT MY CONSENT AND ALSO VIOLATING 15 US CODE $ 1681c-2.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20019
Submitted Via: Web
Date Sent: 2023-04-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-24
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: Citicard called and said my card was compromised in XXXX XXXX A new card was sent which has been used since that time. Citicard gave several credits and adjustments, but continues to charge about {$4000.00} that they did not give credit/adjustments for the total purchases that were not mine. I have continued to notify them by written statements and phone calls with nothing resolved. Since XXXX, the calls were with my banker XXXX times, 2 to 3 hours each time. We continued to be shuffled between customer service and the fraud departments. Each time we were told the balance was XXXX dollars ( {$0.00} ) only to find that the following statement was still over {$4000.00} more than the monthly purchases. Each month since the initial card change, I have paid for my purchases.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 19966
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-23
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I dispute charges on my account was Denial a refund. Then I contact consumer finance.gov. After the 15 day I receive an statement saying my claim was denial. Then I was told on the Phone my account on hold. I told the customer service representative I didnt receive a written notification about this. The representative told me my direct deposit would be rejected on Wednesday XX/XX/. But on Friday XX/XX/ the direct deposit was deposited successfully. I ask for access to these funds they said no. And told me it could take 30 to 60 day for check that seems unreasonable. Citibank made the decision to put hold on the account. I should have access to my money before 30 to 60 day. I have rent to pay. I dont have extra money I live paycheck to paycheck. Citibank already let somebody spend my {$7800.00} at XXXX. That was my taxes refund money. I depend on my check every 2 week to feed my children and provide a place for us to live. I work for money need access to money now. Can you issue the check now not later?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19140
Submitted Via: Web
Date Sent: 2023-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-23
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I tried to make a very important purchase today with my citi card using XXXX XXXX. It got declined and said verification needed. Then I called spoke with XXXX call reference # XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Therefore, I wasnt sure what she was verifying me with. On the other hand, I had the cashier waiting right in front of me. After I told her I couldnt understand her, I needed to speak with a supervisor. She said : REALLY?! With VERY inappropriate tone. As if she was challenging me. As matter of fact, the whole conversation she was impatient and raised her voice on me a few times. Im filling a complaint here is because the 2nd person ( supervisor ) I spoke with on that phone call told me citi does not have a complaint department, she said I can not submit any type of complaint thru phone, online, mail. I found it hard to believe, but I verified that with her 3 times.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91739
Submitted Via: Web
Date Sent: 2023-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-23
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: I reached out to citi dispute via credit card app regarding an experience/service called XXXX XXXX XXXX for {$40.00} ; transaction date of {$40.00}, which the provider wasn't able to fulfil as the time selected the servcie provider shut down for break. Citi denied my claim but I never got any communication regarding this nor via email or mail. I saw in the app the investigation was complete where the claim was denied but the provider information provided actually did confirm the tickets were not used. Therefore, citi forgot to check the facts. the company also failed to communicate to the client and how they can make sure the disputed amount is refunded
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10025
Submitted Via: Web
Date Sent: 2023-04-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-23
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Made a {$900.00} Payment on my citi double cash mastercard account for XX/XX/2023. This amount was not even close to half of the outstanding balance. The card is in good standing, I was just making an extra payment, technically it would go toward the next month. The payment shows being accepted on the XXXX. As well it cleared my bank shortly after. As of today that money was shown as accepted ten days ago but still not reflecting on my available balance. While on vacation I Called to ask what the hold up was? I was told that it was because I had switched banks. It would take an additional few days. This is not a new bank to me or a new bank in general. I just Added an additional bank to the credit card which funds would be pulled from. My original bank is still listed. I will say this is a military bank that is accepted worldwide. After getting back from vacation the funds are still not available so I yet again placed another call. I was told by representative today XX/XX/XXXX at XXXX there was a security hold on my funds. Even though it cleared the bank and even though they were holding my money. They could not explain to me why they were not releasing it. I was transferred to a supervisor at XXXX XXXX who kept saying that she has to clear this with the bank tekking me its a security hold, but cant say why XXXXThis makes no sense to me because you already have my money and have had For 10 days.. They are now stating the issue is because I made such a large payment. It's not even half of the account balance.. It is still technically even under the monthly statement. I asked her if it was going to be such a problem if she would just refund it to my bank. That in the future id only make small payments since this seemed to be a problem which I still could not understand. That this would severely limit the use of the card as they were not allowing me to pay for what I used. She then says she still has to Contact the bank to release my money or refund it. I have had this card service for years And have never experienced this. At This point I have been on the phone thirty two minutes, twenty of which was whole time they disconnected the line on me. I took screenshots of the time it was disconnected as well as the calls being placed for every call. I gave that supervisor XXXX minutes to call back which they did not. I looked up a number for dispute or filing a complaint with the same company and called a different number. I gave them A run down on what happened and asked for a supervisor. I Was told they understood and could see what I was upset about and they would transfer me to a supervisor. I was on the phone less than two minutes and I was placed On hold again for over twenty minutes. Again they disconnected on me, after 26 minutes this time. I have still not received A callback from the original supervisor nor the second time I was hung up on a different operator on a different phone number. I have done my best to understand what is going on. This makes no logical sense in any standing that you have my money accepted my money. I have confirmations and receipts it is cleared. My bank a national worldwide accepted military bank that I have had for quite some time as well as I've been a customer for quite some time but you're " security holding '' my money. Furthermore nobody can even truly explain what that means they said that the payment was just larger than I have made in the last six months. I do typically make more than one payment a month this month. I just simply made a larger one.. Again it was not even half of the account balance and it was still under the actual statement balance due. So basically I can use the car to charge. Whatever I like but they don't want me to pay money to keep from interest and if I do they're going to hold my money. I honestly can not wrap my head around what is happening.I simply asked for a refund and said that I would adjust my spending habits and use a different Carrier since they were not allowing me to pay for charges I had made. The interest that I'm gon na recruit on this is ridiculous and I'm not being allowed to circumvent that by making a payment when I've actually. Used the card to pay for things I'm not trying to pay over the amount that is owed. I'm still not even paying the full amount. All they kept stating was we have to clear this with your bank to which I responded you've already got my money. It is already cleared my bank. It is physically in your hands if you are not going to use it, Allowing me to pay down my credit debt then you need to refund it to my bank. In the future I would make smaller payments but I would also seriously consider if i'm going to continue using this card when i'm not allowed to pay it. Let me also disclose at no point in time did anyone from this card company call me to let me know there was an issue. At no point did anyone reach out for any additional information or anything. Not by phone text or email. I'm the only one that has made effort. I have made several and this is how it is ended thus far. It is XXXX XXXX on the XXXX of XXXX and I have still not received a call back from any one within the company. I've been hung up on by XXXX supervisors now while on hold. Sure it could have been accident, but twice. And not calling me back. Yeah probably not an accident. Especially after I was supposedly put on hold to contact my bank. I have attached a screenshot of both phone calls placed. As well I cropped a screenshot of the payment made to the credit card company and the funds being withdrawn from the bank. I did crop them down so no personal information would be displayed. But I do have a full screenshot upon request.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30263
Submitted Via: Web
Date Sent: 2023-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A