Date Received: 2023-04-06
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: It shows an account with Adverse information on my XXXX report is my Best Buy Credit card with a balance of XXXX dollars. They keep sending me a bill to pay but there is nothing to pay. I have called and they said they will cancel my account but i still get these emails. This is affecting my credit score. How can an account with a XXXX balance have an adverse account standing? Account Information Address XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, SD XXXX Phone Phone number not available Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Revolving Account Loan Type CHARGE ACCOUNT Date Updated XX/XX/XXXX Last Payment Made XX/XX/XXXX Pay Status Current ; Paid or Paying as Agreed Terms Paid Monthly Date Paid XX/XX/XXXX High Balance ( Hist. ) High balance of {$1500.00} from XX/XX/XXXX to XX/XX/XXXX ; {$1600.00} from XX/XX/XXXX to XX/XX/XXXX XXXX XXXX ( XXXX. ) Credit limit of {$4000.00} from XX/XX/XXXX to XX/XX/XXXX ; {$350.00} from XX/XX/XXXX to XX/XX/XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01013
Submitted Via: Web
Date Sent: 2023-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-06
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: XX/XX/2023 - {$270.00} - XXXX XXXX XXXX XXXX XXXX I contacted the merchant XXXX XXXX XXXX XXXX XXXX regarding a refund on the transaction listed above and they had originally agreed to issue me a refund because it was within 48 hours of the transaction and I surrendered the registration and plates I had purchased. This interaction was via email and 5 days went by and I still haven't received a refund therefore I started a dispute with CITI BANK. CITI BANK is not willing to resolve my dispute because of " proof '' the merchant has sent them and won't disclose what proof the merchant has sent to " validate '' the transaction. I have sent CITI BANK proof of our e-mails and receipts and yet they won't help me get my money back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10029
Submitted Via: Web
Date Sent: 2023-04-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: In XXXX XXXX XXXX I sent all 3 credit bureaus as well as these creditors CBNA, XXXX XXXX XXXX, AND XXXX XXXX XXXX XXXX THE COMPANIES ARE REPORTING FALSE INFORMATION AND ARE REPORTING ACCOUNTS THAT DO NOT BELONG TO ME. I ALSO SENT ALL 3 BUREAUS A LETTER IN REAGARDS TO FRAUD ADDRESSES, NAMES, AND EMPLOYMENT THAT ARE NOT MINE AND STILLIT SHOWS REPORTING. THIS IS CAUSING ALL 3 CREDIT BUREAUS TO REPORT FALSE INFORMATION THAT DOES NOT BELONG TO ME. I SENT THESE COMPANIES A LETTER, A COPY OF MY I.D, SS CARD, FTC REPORT, AND A LETTER STATING THAT THE ITEMS NEED TO BE BLOCKED AND REMOVED AND FOR THEM TO SEND ME THE STEPS ON HOW THEY CONFIRMED THAT THESE ACCOUNTS WERE MINE. THEY DID NOT DO SO ALL THEY SAID WAS IT WAS VERIFIED BUT DID NOT PROVE TO ME HOW. SO BY LAW PER 15 USC 1681B " the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumer 's rights under section 1681m ( a ) ( 3 ) '' THESE ITEMS MUST BE REMOVED IMMEDIETLY. I AM THE CONSUMER AND I KNOW MY RIGHTS. THEY ARE BREAKING THE LAW
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11763
Submitted Via: Web
Date Sent: 2023-04-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-06
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: About 20 years ago I purchased a small notebook from Best Buy. In the first 3 months the hard drive failed on it. They refused to honor my receipt or warranty and I still paid them for it. I believe it was about {$300.00} Im so disgusted with Best Buy and their pit bull debt collectors from XXXX XXXX, they have no shame. They call all hours of the day constantly from different phone numbers and locations. This has to stop, please help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NM
Zip: 873XX
Submitted Via: Web
Date Sent: 2023-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-07
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have a closed credit card with Citibank that I have been paying down for a couple of years but still have a balance due. I went to login tonight to make a payment like I have been doing faithfully monthly for years but forgot my password. I went to select reset password but it requires your credit card # to reset. Since my account is closed, I don't have the card and I have been paperless for years too so I have no way to get to the card #. I started a chat for assistance in resetting my password and they couldn't help since I didn't have my card # so they referred me to call a toll free number which again, required me to enter the last 4 digits of my card # I finally got a representative. That number routed me not to tech support but to a call center where an attendant proceeded to tell me that without a card # they can't reset my password and the only way I can make a payment now is through the mail or over the phone with my SSN. I asked if I mailed, how they could apply the payment if I couldn't reference an account # to which he said, they would not be able to assure me it would be applied. He offered no other solutions. I had no choice but to give my SSN to ensure my payment was posted before the due date. He then had me validate my name, address, security question answer, and name of the bank I make my payments from but still would not provide me with the Citibank account # so I could just reset the password. He told me if my account was closed that I had " limited access '' to services and that it was " regulations. '' Admittedly I was pretty irrate with the rep. ( he was professional throughout ). Why would any financial institution make it difficult for someone to pay them? I feel very uncomfortable having been forced to give all of my PII over the phone. I did advise him they were required to start sending me paper statements - that option was not offered to me and I have little confidence that I will start receiving statements and concern that I just gave all of that info. to a stranger.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 442XX
Submitted Via: Web
Date Sent: 2023-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-07
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I opened a new savings account and after transferring funds to it, the bank closed my account and refused to tell me why. I have talked to 5 different representatives and all they say is I violated the terms of the client manual. I am told it will take 30-60 days to receive my money back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 740XX
Submitted Via: Web
Date Sent: 2023-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-07
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I am currently in XXXX XXXX for several months. I have used my Citi world elite Master Card here many times. I tried to use it today, XX/XX/XXXX to purchase airline tickets. Citi improperly denied my charges and then locked my card. I called them and gave all required password and security information. They told me that they have changed their verification polices and the ONLY way to reactivate the card is for me to respond to a letter sent to my US address. I explained that I would not be at that address for several months and would thus be unable to read and respond to any written communications. Citi acknowledged the problem but refused unlock the card. I asked them to find another verification procedure. They refused to show any flexibility. I have been a customer of Citi since XXXX. Citi is behaving very badly. They have left me in a very difficult position and behaved very poorly. They should be sanctioned.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 802XX
Submitted Via: Web
Date Sent: 2023-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-07
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I closed my savings account at Citi Bank on XX/XX/XXXX but have NOT received the balance check. I contacted Citibank XXXX XXXX regarding this issue 17 times ( 13 times of phone calls & 4 times of online chats ) so far. Each time the answer was basically same : The check is on the way. It will arrive next Friday. or A new check will be issued, and you will get it within 2~3 weeks. Five ( 5 ) months have passed since I closed the account. This is totally unacceptable. I even asked for other options to get the fund back such as transferring to other bank account, opening a new account at Citi Bank for this fund, or sending the check by certified mail, but nobody in the XXXX XXXX gave me alternative ways other than sending a check by standard mail. I sent a complaint letter with certified mail on XX/XX/XXXX, but Citi Bank seems to not receive this letter whenever I check the XXXX tracking number. Here are contacts for Citibank XXXX XXXX ( There are only two options to contact. ) Phone : XXXX Mail : XXXX XXXX XXXX, XXXX XXXX, TX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AP
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-06
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 was at an establishment XXXX XXXX on XX/XX/2022 and the merchant attempted to charge several CC for various amounts. They attempted anywhere from XXXX to as low as XXXX dollars. My Costco CTI Credit cards was charged amounts of XXXX and XXXX. I disputed these charges immediately and it looked as if CTI had not paid the vendor. After several mistakes from CTI stating they didn't receive my emails which later I called in and had proved they have sided with the vendor with no explanation. I received a letter on XX/XX/XXXX stating that they have closed the dispute as the vendor refuses to pay the amount back. This is a defiant fraud case and now I owe over XXXX in CC bills. When attempting to contact the CC company they state the issue is resolved and there is nothing further they can do. I have stated I would go to court and testify if needed or whatever they need from me but the CC company seems to want me to owe the XXXX. I have also filed a a case with the FTC XXXX. I will also be filing a police report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 975XX
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-05
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: MACYS/ CITIBANK is a charge card that is currently a closed/ charged off account but it is still reporting credit utilization against my credit. The credit limit was {$600.00} but they are reporting {$880.00}. My understanding is that if its a charged off account and its an uncollectible debt then why or how is it still reporting as if I am still using this card. I was also told by the debt collection agency MACYS/ CITIBANK that the debt has passed statue of limitation. So, Ive been wondering why cant they remove this from my credit?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23669
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A