Date Received: 2023-03-29
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On XX/XX/2023 Citibank managers conspired against me burly reporting to the credit bureaus that I obtained my credit through identity theft. They sent documents to XXXX via US Postal mail indicating that all my credit was obtained by identity theft. Citibank white employees are racially profiling me and been harassing me since XX/XX/2023 when I contacted them to file a lawful dispute against a merchant in regards to an online order I made on XX/XX/2023 that was not fulfilled by the merchant. Citibank contacted the credit bureau and submitted false documents using my name and impersonated me. Without my knowledge or consent. I became aware of this issue on XX/XX/XXXX and immediately contacted XXXX and advised that the information received by Citibank is false! Instead of stopping this XXXX sent notification to my Creditors which resulted in one credit card by XXXX XXXX being closed due to fraud application. To this day Citibank also closed my credit card account for no lawful reason. Their ongoing harassment and lies has caused me to be harmed financially! All of my credit was obtained using my name. My social security number and date of birth! I have never obtained any credit by identity theft. Citibank employees put false notes on my credit card and sent false information to the credit bureaus. I need help to stop Citibank from doing this to me. XXXX confirmed they received two documents from Citibank with my name, social security number and date of birth indicating that this information is identity theft! That is a lie! I was born in XXXX XXXX XXXX and I am an American Citizen, both my parents were born in the XXXX XXXX and matter of fact my deceased Father was an XXXX XXXX XXXX veteran who fought in the XXXX XXXX. Citibank hires racists who use their job to harass and discriminate against people XXXX XXXXXXXX. Their harassment and lies has caused me tremendous pain anxiety and stress! Citibank XXXX employee has terrorized my life and causing me financial hardship! I need help to stop this. To date Citibank false reports to credit bureaus resulted in me being locked out of my online account with XXXX and XXXX taking adverse action towards me! I am a human being and need Citibank to stop this ongoing harassment and violation of my rights immediately! Citibank also put my life and my family life at risk by sending the Police to my home by making false accusations against me! Their harassment and terrorizing my life is ongoing. Their managers by the name of XXXX XXXX XXXX are just a few of their employees involved in this because I am a XXXX woman! Also they reported wrong information to credit bureaus stating I went over my credit limit and reporting a false high balance! I need this corrected.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30253
Submitted Via: Web
Date Sent: 2023-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-27
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I closed my Citibank credit card in XX/XX/XXXX. Yet I began receiving emails about account activity as if the card were open in XX/XX/XXXX, saying there was an unpaid balance and late payment fees. At first I thought the emails were from scammers because they reported that my closed account was in collections. But then the offshore collections department mentioned a XX/XX/XXXX rental car payment of about {$100.00} that Citibank had made on my behalf, even though my account had been closed for 10 months. Afterward, I called Citibank several times to rectify and kept getting bounced around to different departments. At one point a woman insisted that I pay a {$90.00} penalty fee to close the issue. I refused and drove out of state to visit a Citibank branch in person for help. The branch manager assisted me in opening a dispute for the {$100.00} charge. but in the meantime, Citibank sent a negative report to credit bureaus and my score plummeted from the mid-800s to the low 700s. I've maintained excellent credit for decades and desire that Citibank provide a corrected update to the credit bureaus to restore my credit to its former standing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WV
Zip: 254XX
Submitted Via: Web
Date Sent: 2023-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-27
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have a Best Buy Rewards Visa card issued by Citi. This card has a very high interest rate XXXX APR, and the rewards certificate issued by Best Buy for using their card, expires after a certain period of time, and can only be used at Best Buy. The reason for my complaint is the fact that they purposely allowed me use {$610.00} over my credit limit without my consent, and then they billed me a very high minimum payment amount, plus interest. In XXXX my minimum payment was {$970.00}. When I called Customer service to inquire why my minimum payment was that high, she told me that I went over my credit limit. I said to her that card are supposed to decline when a customer goes of credit limit. She answered that " we allow you to go over your credit limit because we don't want to embarrass you by declining the charge ''. I could not pay the {$970.00}, I paid {$500.00}, which satisfied my minimum payment minus over the credit limit. In XXXX my minimum payment again was {$740.00}, to which I paid a total of {$530.00}, of which they charged {$250.00} on interest. I spoke to customer service again to complain, and nothing was done. The over the limit was reported to the credit bureau which has affected by credit score. Credit card companies should not allow one to exceed their credit limit without one 's consent, there should be an option for XXXX to opt in or out. The Best Buy credit card is a complete rip off.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-27
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I used my card to make a purchase. It was then declined. I called to verify my identity only to be told that the phone number that I used to open my citi credit card can not be used to verify my identity. Then after speaking to numerous representatives I was told that I can not verify who I am over the phone and would have to wait for a letter to come in the mail just to verify who I am. I told the representative this is a tedious process and it is hindering my use of the funds avaliable on the card. I feel like I am getting no help at all from citi bank and this is something that should be legally addressed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11211
Submitted Via: Web
Date Sent: 2023-03-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-27
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have a complaint, wrong and false information because identity Theft, for Personal Identification stolen to Public Name and Person. Wrong Dispute, Never had Credit Card or Any Loans in any matter. everything paid with cash sells. particulary wholesale.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2023-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-27
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I applied for a credit card with CitiBank on XX/XX/XXXX. The representative informed me that my application was denied due to too many recent credit inquiries recorded on my XXXX credit bureau report. I knew that this was completely erroneous, and that I was unreasonably and immorally denied ; so, I re-checked my XXXX account for status on inquiries and also called XXXX customer service center for clarification. Both methods proved there has been a total of only three inquiries in the entire year of XXXX and only one inquiry in XXXX : Two onXXXX One on XX/XX/XXXX One on XX/XX/XXXX After checking these, I called back to CitiBank and spoke to a representative in the applications department to explain that my application had been denied in error with reason being too many recent credit inquiries. His response was If you were denied, there is nothing that I can not do if you do not have an open account. I asked to speak with a supervisor. He placed me on hold and left me there. I held the phone and finally hung up after about 15 minutes. No one from Citibank even attempted to resolve the issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30213
Submitted Via: Web
Date Sent: 2023-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-27
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 purchased a XXXX stay advertised as Modern Home with PRIVATE Pool & Jacuzzi. I made a partial payment to AMEX and the remaining on a Citicard totaling over {$10000.00}. I did not receive the item as it was described. The jacuzzi did not heat which I have correspondence between the host and I to document. But the worst part is, IT WAS NOT PRIVATE! There was a camera hidden inconspicuously and was not disclosed. Not only did the merchant falsely advertise his product as private but he also committed a crime recording individuals and minors in the XXXX without their consent. I have done everything AMEX and Citibank has requested in order to resolve this dispute. AMEX closed the dispute in my favor. Citibank retaliated against their consumer, me, by lowering the credit line immediately after making the dispute making the entire amount become due vs. a regular revolving account. As a result, they have been negatively been reporting on my credit which has caused great detriment. I have complained several times of constantly being disconnected when I call in. I have several reps who I've spoken to and made promises admitting that Citibank shouldn't have made the whole amount due while in dispute. They have ruined my life, scarred me, failed to protect me and I will let everyone know who will listen until this mistake is reversed!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 067XX
Submitted Via: Web
Date Sent: 2023-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-27
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: On XX/XX/2022 I went to the Best Buy in XXXX XXXX, Pennsylvania to purchase a dishwasher for {$950.00} plus {$30.00} in fees. While making the purchase the sales associate asked me for detailed information, which I thought was being requested to pull up my existing account to make the purchase. A few weeks later I received in the mail a new Best Buy credit card dated XX/XX/2022. I called the Citibank Card Services department to notify them that an unauthorized new Best Buy account had been opened in my name. I also requested that they immediately close that account and apply the charge for the dishwasher to my existing account. That was in XXXX. Since then my wife and I have spoken to Citibank Card Services department employees multiple times to request the closure of the fraudulent account and application of the amount due to our existing account. We have continued to receive harassing calls saying that the unauthorized fraudulent account is overdue, when our legal existing account maintained a credit amount monthly that exceeded the amount being stated that was overdue monthly for the newer illegal account. In XXXX one of the Citibank agents committed to following up and closing the newer fraudulent account and fully transferring the balance due on it to our older existing legal account. More recent statements following that conversation indicate rather than the closure of the new fraudulent account, the full amount of the credit we had on the older legal account of {$420.00} was applied to the new fraudulent account, leaving a remaining balance due of {$340.00} and a past due amount of {$30.00}. The older legal account 's statement for the same period did reflect the transfer of the {$420.00} plus a {$75.00} payment received during the period bringing that account to a {$75.00} credit. In the last week of XXXX we have received multiple call from Citibank asking us to bring that illegal fraudulent account up to date, while we have a current credit of {$75.00} on the older legal account. All of our many attempts to clear up this matter have failed to date.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19038
Submitted Via: Web
Date Sent: 2023-03-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-27
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I opened a Citibank business checking account in XX/XX/2022 with {$38000.00}. Within one week, they'd frozen the account and submitted it for fraud investigation. I was informed that they had 30-90 days to complete their investigation and close my account, but it's been seven months and I still have no answers ( or my money ) despite multiple visits to my branch/the manager and calls to the fraud department. The funds have cleared the account of the issuer and are sitting with Citibank. I want them to close my account and return my money.
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: 2023-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-27
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Credit report on XXXX showed a credit inquiry on XXXX at MACYS/CITIBANK N.A . which I did not authorize. Called XXXX and reported the issue and had inquiry removed. Called Macys XXXX fraud department, Representative confirmed an online application was submitted on XXXX. The application was cancelled and reported to the 3 credit monitoring agencies.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 158XX
Submitted Via: Web
Date Sent: 2023-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A