Date Received: 2023-01-02
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I've never been a Best Buy cardholder with Citibank and I've corrected them on this issues in the past but they keep calling my phone number asking for someone else. I've told them to remove my phone number from their system and I've been told I need to contact 'someone else ' to get that handled... I'm sick of getting these phone calls and I've had to block them. I just received a phone call at XXXX XXXX from XXXX but they've also called from XXXX ( XX/XX/2022 XXXX XXXX, XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX ) and XXXX other times from the same number repeatedly over the last XXXX I want them to remove my number and quit calling me for someone else 's debts. It's excessive and I have to keep my phone muted to avoid their calls going off while I'm working.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2023-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-02
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I paid my XXXX account which was paid XXXX $ minimum payment on XX/XX/ 2022. XXXX XXXX did not try to process the account until two weeks later which resulted in my account being a month past due.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30094
Submitted Via: Web
Date Sent: 2023-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-02
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: On XX/XX/2022, I purchased a handbag with my Best Buy credit card ( with a 10 day promise of delivery ) from the following website : XXXX known as XXXX XXXX XXXX. When several weeks had gone by with no delivery, I attempted to contact the merchant by phone ( and email ) to cancel the order. Unfortunately, all these attempts were unsuccessful. Phone calls went to voicemail and emails went unanswered. On XX/XX/2022, I phoned Citibank credit card disputes department and filed my first of many disputes for this transaction. In the meantime, on XX/XX/2022, I received a handbag from the merchant ; however, it was not the same bag that I had ordered, and I promptly mailed it back to them on XX/XX/2022. I have twice provided proof Citibank team that I have returned the incorrect bag to the vendor, proof of my multiple attempts to contact the merchant directly for resolution and have been informed four times now ( and with no explanation ) that my dispute was denied. This is such a clear case of internet fraud that no reasonable reviewer could refuse to credit my account back the {$650.00} and force this obviously fraudulent web site to reimburse the bank. There is absolutely no reason for this dispute to have been denied. There is, furthermore, absolutely no reason that I can not get a representative with the authority to remedy my issue to contact me via phone to discuss the way forward.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 787XX
Submitted Via: Web
Date Sent: 2023-01-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-03
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: On or around XX/XX/XXXX2023, I attempted to make a purchase with my existing Citibank credit card and my purchase was declined. Per Citibank my {$21000.00} line of credit was reduced to XXXX, with a existing balance of {$9700.00}, leaving a line of credit of {$270.00}. I had this Citibank account since XXXX, never missed a payment, credit score close to 700, credit card balances under 50 %. Per Citibank we reduced your available line of unused credit to prevent fraudulent purchases over the holiday period. I would like to file a formal complaint against Citibank for this discriminatory practice of targeting minority accounts and lowering existing lines of credits without notification or disclosure based on perceived notion someone would attempt to utilize unused lines of credit during the holiday therefore, Citibank must block the consumer from making any purchases during the holiday period by reducing the lines of credit to nothing. I am asking for investigation into this practice that targeted minorities and block purchasing power during the holiday without any legal justification or based on actual credit sconce. I also would like to file a formal complaint as act of retaliation I believe Citibank intentionally lowered my line of credit by {$10000.00}, as act of retaliation for the many complaints I filed with CFPB against Citibank and asking that CFPB conduct an investigation into how many consumers more specifically minorities were affected by Citibank deceptive business practice of lowering consumer credit scores to prevent fraudulent activities and disclose what federal and state laws gave Citibank the right to conduct business in this manner. I also requesting CFPB to enact of enforce laws that prevents this type of abusive practice targeting minorities consumer and fine Citibank and provide financial relief to all partied affected by Citibank deceptive lending practices.
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: 2023-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-02
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights. Mississippi Statute of Limitations MCA 15-1-29 & MCA 15-1-31 states that limitations to collect a debt is 3 years. XXXX XXXX has passed the statue of limitations to collect the debt. The statue started with XXXX with the date of XX/XX/2018 and refuse to show me a bill of rights sale. Then XXXX XXXX changed the dates to collect and has not validated the debt. These companies has refused to remove these accounts from the last 2 years. XXXX has hired an attorney XXXX XXXX XXXX and both request compensation for a debt that has passed statue of limitations as well as never validating the debt. I did not receive a notice before the summons as well. They lack standing to collect the alleged debt. They violated the 15 USC 1692 which states There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy and 15 USC 6802 which states Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 393XX
Submitted Via: Web
Date Sent: 2023-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-02
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, # XXXXXXXX XXXX XXXX XXXX account titled XXXX XXXX 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 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: CA
Zip: 90260
Submitted Via: Web
Date Sent: 2023-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-02
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: I have two accounts with citi cards. I closed both accounts a year or two ago. I have been making payments on both and have not missed any. When I closed them I was told that the interest rate would not change on a closed account. A couple months ago they started raising the rate. It was 14 % since I closed it. Then it went to 16 and then 17 %. At first I called them and after speaking to 10 different people I was told they would change it back. The next statement it went up another %. I was told it would change back on my next statement. I called again and I was told that it would be fixed by my next statement. The next statement no change. How can I get them to stop raising it and put it back to the original 14 %?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 723XX
Submitted Via: Web
Date Sent: 2023-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have an outstanding balance on my XXXX XXXX XXXX card witch I did not authorize. i lost my card when I was moving into my new house. I want this outstanding balance resolved. I did not authorize anyone to use my card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 19805
Submitted Via: Web
Date Sent: 2023-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-02
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Wayfair and CITI bank have issued a fraudulent credit card in my name. I do not know when but I was first notified of it by mail with a letter from Wayfair dated XX/XX/2022 asking me to confirm, by phone, the application for a credit card. To which I immediately responded, reported the fraud and identity theft and told them NOT to open any account in my name. I have never applied for such a card. It is a fraudulent application. I received a reference code # XXXX, from them but I do not know what that means. I never applied for a Wayfair and never received any product or services from them. I now receive monthly invoices for something I never authorized or accepted. Neither CITI Bank nor Wayfair will respond to my requests for all documentation involving this transaction which I am told that under the Fair Credit Reporting Act they are required to provide at no cost. They have reported this fraudulent transaction to the credit bureaus as belonging to me and have defamed my character and credit while harassing me with collection notices and invoices. I am working with XXXX to clear the fraudulent account from my record but Wayfair and Citi are demanding I pay the balance on the closed account. I have copies of multiple USPS certified return receipt requested letters that have been sent to both parties stipulating the fraud and identity theft but the collection harassment continues with them claiming I owe the balance regardless of the fact that I never had any account with Wayfair nor received any goods or services from them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20854
Submitted Via: Web
Date Sent: 2023-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-02
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I am a victim of fraud. On XX/XX/2022 {$79000.00} was wired out of my Citibank Checking account. It was XXXX transactions Citibank will not give me my money back because they say I did not protect my account. The criminal called and said they were a CitiBank employee and someone was using my credit card. I asked them how do I know you are from CitiBank. She said in a few minutes I will send you a Citibank alert. I got it and it was a real Alert. That is why I believed it was true. She told me to push yes that I got the alert and I am aware that this is happening. Because I pushed yes that is obviously how they got my money. But how did they get my credit card information. I didnt give it to them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 334XX
Submitted Via: Web
Date Sent: 2023-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A