Date Received: 2023-01-01
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: UNFAIR OR DECEPTIVE ACT OR PRACTICE BY BESTBUY On XXXX, I placed a call to BestBuy Card services to verify if me requesting a credit line increase will result to a hard or soft pull. On that day I spoke with BestBuy Card services Staff XXXX XXXX with XXXX ID # XXXX. I asked XXXX XXXX twice if requesting for credit line increase will result to a hard inquiry on my credit report and twice, she said no it will not. I told her that I am not consenting to any hard inquiry on my credit report and will not request for the credit line increase if it's going to result to a hard pull and she again assured me that it will not result to hard pull. XXXX XXXX was so Deceptive in her dealing with me on that day because i found out that she lied to me. Later that same day, I noticed an unauthorized had inquiry in my XXXX report. I would like to request that this unauthorized hard inquiry in my XXXX report by BestBuy and Citi Card NA be immediately deleted from my XXXX report. Such Deceptive behavior by BestBuy XXXX XXXX XXXX with XXXX ID # XXXX is a violation of the Federal Trade Commission Act Section 5. Copy of FTC complaint filed attached
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-01
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: UNFAIR OR DECEPTIVE ACT OR PRACTICE BY XXXX On XXXX, I placed a call to XXXX Card services to verify if me requesting a credit line increase will result to a hard or soft pull. On that day I spoke with BestBuy Card services XXXX XXXX XXXX with XXXX ID # XXXX. I asked XXXX XXXX twice if requesting for credit line increase will result to a hard inquiry on my credit report and twice, she said no it will not. I told her that I am not consenting to any hard inquiry on my credit report and will not request for the credit line increase if it's going to result to a hard pull and she again assured me that it will not result to hard pull. XXXX XXXX was so Deceptive in her dealing with me on that day because i found out that she lied to me. Later that same day, I noticed an unauthorized had inquiry in my XXXX report. I would like to request that this unauthorized hard inquiry in my XXXX report by XXXX and Citi Card NA be immediately deleted from my XXXX report. Such Deceptive behavior by BestBuy XXXX XXXX XXXX with XXXX ID # XXXX is a violation of the Federal Trade Commission Act Section 5. Copy of FTC complaint filed attached
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-31
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 charged XXXX to my CitiBank credit card from XXXX in early XXXX. I disputed the charge, which I didn't make, almost immediately. The company initially removed the charge but notified me today, XX/XX/XXXX, that they were reapplying the charge to my account because they received evidence from the vendor that the item was delivered to my home. ( The charge was actually reapplied to my account on XX/XX/XXXX ; I suspect they didn't notify me until today so that no one would be available to respond to my complaint because of the weekend and holiday. ) I don't know what this evidence is- I did not purchase any merchandise from this vendor for this amount. ( The last XXXX purchase I made was in fall of XXXX for approximately {$40.00}. ) I called the fraud division today and held for 10 minutes before the call was disconnected ; I later learned that the office was entirely unstaffed today, so my time holding was a waste and a ruse. Then, I called the dispute department and spoke to a representative named XXXX. I asked to speak to his manager, and he kept me on hold for approximately 10 minutes, telling me the time to speak to a manger was 15 minutes. When I asked why the wait time wasn't going down, he told me that no managers were in the office, that I would not be able to speak with a manager, but that he had been instructed to tell me I was in the queue for a manager until I got fed up and hung up. This company has stolen my money and time and disrespected me every step of the way- please help me get my money back, and please encourage them to change their business practices to treat customers with basic honestly and respect.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-31
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: Affidavit of Truth STATE OF GEORGIA XXXX OF XXXX XXXX XXXX XXXX, being duly sworn deposes and states as follows under penalty of perjury : XXXX. My name is XXXX XXXX XXXX, I am presently XXXX XXXX XXXX, and my current address of residence is XXXX XXXX XXXX XXXX, XXXX, GEORGIA XXXX. XXXX. Notice to all, I, am that I am, the consumer, in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name/middle XXXX, XXXX XXXX, and XXXX have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX, XXXX XXXX, and autograph as the agent XXXX attorney, in fact, so be it ; and ; Whereas, I of age, of majority, give this herein notice to all, I make a solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, now present : 3. Fact, I am the original creditor and I extended your organization credit in the consumer credit transaction, so be it, and ; 4. Fact, I was required to provide a Social Security Card number on your credit card application in this consumer credit transaction, so be it, and ; 5. Fact, I never knowingly authorized nor knowingly gave any person/organization permission actual, implied, or apparent authority to use my consumer credit card for this consumer credit transaction, so be it, and ; 6. Fact, I never received documentary proof of no such evidence of indebtedness in this consumer credit transaction, so be it, and ; 7. Fact, I have not benefited from this consumer credit transaction but only been harmed mentally and financially by your unfair credit card practices, so be it, and ; 8. Fact, I was never aware of the transaction, which left me in the dark about the cost of the transaction. This caused me to make an uninformed decision which resulted in numerous billing errors, and unfair credit card practices, so be it, and ; 9. Fact, I was never provided adequate notice that clearly and conspicuously mentioned the pertinent facts of this consumer credit transaction therefore I couldnt reasonably understand its meaning. This lack of understanding placed me at a disadvantage from the beginning of this consumer credit transaction, so be it, and ; 10. Fact, I believe that a deceptive form was designed, prepared, and provided to me in order to collect an alleged debt that I, the consumer, allegedly owed to the alleged creditor, so be it, and ; 11. Fact, the affiant is aware and has proof in the attachment labeled as Exhibit A that COSTCO ANYWHERE is in violation of 1006.30 ( e )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30035
Submitted Via: Web
Date Sent: 2023-01-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-01
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: Affidavit of Truth STATE OF GEORGIA XXXX OF XXXX XXXX XXXX XXXX, being duly sworn deposes and states as follows under penalty of perjury : XXXX. My name is XXXX XXXX XXXX, I am presently XXXX XXXX XXXX, and my current address of residence is XXXX XXXX XXXX XXXX, XXXX, GEORGIA XXXX. XXXX. Notice to all, I, am that I am, the consumer, in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name/middle XXXX, XXXX XXXX, and XXXX have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX, XXXX XXXX, and autograph as the agent XXXX attorney, in fact, so be it ; and ; Whereas, I of age, of majority, give this herein notice to all, I make a solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, now present : 3. Fact, I am the original creditor and I extended your organization credit in the consumer credit transaction, so be it, and ; 4. Fact, I was required to provide a Social Security Card number on your credit card application in this consumer credit transaction, so be it, and ; 5. Fact, I never knowingly authorized nor knowingly gave any person/organization permission actual, implied, or apparent authority to use my consumer credit card for this consumer credit transaction, so be it, and ; 6. Fact, I never received documentary proof of no such evidence of indebtedness in this consumer credit transaction, so be it, and ; 7. Fact, I have not benefited from this consumer credit transaction but only been harmed mentally and financially by your unfair credit card practices, so be it, and ; 8. Fact, I was never aware of the transaction, which left me in the dark about the cost of the transaction. This caused me to make an uninformed decision which resulted in numerous billing errors, and unfair credit card practices, so be it, and ; 9. Fact, I was never provided adequate notice that clearly and conspicuously mentioned the pertinent facts of this consumer credit transaction therefore I couldnt reasonably understand its meaning. This lack of understanding placed me at a disadvantage from the beginning of this consumer credit transaction, so be it, and ; 10. Fact, I believe that a deceptive form was designed, prepared, and provided to me in order to collect an alleged debt that I, the consumer, allegedly owed to the alleged creditor, so be it, and ; 11. Fact, the affiant is aware and has proof in the attachment labeled as Exhibit A that SHOP YOUR WAY is in violation of 1006.30 ( e )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30035
Submitted Via: Web
Date Sent: 2023-01-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-30
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Okay so right before the week leading up to XXXX I was struggling financially and I made a post on social media asking for help, Shortly after say later that day a guy reaches out me and says the XXXX XXXX wants to help me but he couldnt use XXXX XXXX or third party payment apps, he told me even over the phone like very thoroughly explained it all and said he was sending my assistance over via e-check and I could have it in less than a few hours after I cash it, I was so excited and in need of food and groceries, gas etc I didnt realize it could be fake, why would a scammer pay someone else and not ask for anything in return so now here we are, and now I look like a bad person a scammer who purposely did it when I didnt the lady at CitiBank when I called yelled at me out of nowhere when I told her it wasnt me. Its a whole mess now
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 727XX
Submitted Via: Web
Date Sent: 2022-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-30
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I have been disputing a change with Citi Bank since XX/XX/2022. I was in XXXX XXXX XXXX XXXX XXXX I purchased a bracket from a jewelry shop. Once I returned to the resort I noticed that there were 3 changes on my card. Two for the same amount of {$210.00} ( one belonged to the bracelet ) and a change for {$230.00}. The additional change of {$210.00} was resolved with Citi, and that is a story in itself. When purchasing the bracket the merchant stated that the internet service was bad and had to try several times to run my card. He then got out another machine and ran it with that one. Because I had three changes, I thought that the two that were not true purchases, would fall off. however they posted to my account. I then filed a dispute with Citi Bank, realizing that the merchant was running my card several times to create several changes. I thought this was an easy fix as I did not make these purchased. I have spent several hours on the phone with the fraud department who then stated this is not fraud but a dispute. Was sent back and fourth several times off and on over the course of many months. The customer service was the worst I have come across in many years. I have since filed complaints including with the BBB and finally got the attention of the Citi Bank Executive response unit and was hoping finally someone would resolve my issue. The Executive response unit was very attentive and I was hopeful this would be resolved. On XX/XX/2022, I am notified that I did not have enough evidence to support my case. I am not sure what evidence I would have? My understanding is that the merchant DID not provide a receipt for these purchases. I am at a loss for words with the service of Citi Bank. I am mostly concerned with the merchant getting away with robbery, this is clearly a scam. The money is the least of my worries. It is the point and the lack of protection from my credit card company that is frustrating to me and the reason why I will continue to fight this. I am asking to see what evidence Citi Bank has received that shows I made this purchase. The letter I receive stated to reach out to the merchant. This is laughable to me. This is a small jewelry shop in XXXX, I have no way to contact them. I am asking for a credit for the change of {$230.00} and to ensure that the merchant is held responsible and evidence from the merchant that I made this purchase. Thank you, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95687
Submitted Via: Web
Date Sent: 2022-12-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-30
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I mailed a check for {$25000.00} from my bank to pay part of my Citibank Credit Card balance. I then noticed the {$25000.00} payment was applied twice to my credit card balance. Also, my credit card was locked by Citibank ( even though I had available credit ). I contacted Citibank regarding the issue. They told me I sent in XXXX checks for the same amount. I asked them to verify the checking account number ( which was indeed my checking account ). I asked for the check numbers and they would not give them to me until I talked to several different customer service reps. They finally told me that there were XXXX checks numbered XXXX. This seemed highly unlikely and I was concerned regarding some type of fraud, so I asked for images of these checks, but was told that was not possible. I contacted my back and placed a hold on XXXX checks ( for a cost of {$70.00} ). On XX/XX/XXXX, I spoke to a customer service rep who told me she sent an email to payment investigation team and they would be in touch with me in XXXX business days. Citibank sent me a generic email on XX/XX/XXXX stating they would get back to me after reviewing my account. By XX/XX/XXXX, I had not heard anything from Citibank regarding my account, so I contacted them. The customer service rep did not have any notes regarding the case on file, so I had to explain it all again. I was transferred to a Senior Account XXXX who told me I could request a refund of the {$21000.00} credit and would give me 0 % purchase rate on the card for 6 months so that I would not close my card. I again explained the situation to the Senior Account XXXX who agreed that having the XXXX checks with the same number from the same checking account was odd, but he would not provide a plan on how the case would be evaluated. I want Citibank to investigate why XXXX payments ( checks ) of {$25000.00} from the same checking account with checks of the same number were posted to my account. I want an explanation of their findings and what they plan to do in the future to prevent this from happening again.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48114
Submitted Via: Web
Date Sent: 2022-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-30
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 disputed ~ {$10000.00} in unauthorized charges in XXXX of 2022 ( hacked through XXXX ). CitiBank cancelled the card I was using and sent a replacement ( per their standard process ). The dispute investigations were not thorough at all and I have been working with Citi to address this issue ( its obvious that the transactions didnt come from me but CitiBank is forcing me to prove these obvious things to them one at a time ). Its easier for the hackers to use my card than it is for me to use it. This week, when I looked at my online statement, my card has been hacked again by XXXX because CitiCard gave them the new card information, without my authorization. The hackers appear to be the only people that can use my card ; I sure cant. When I tried to close the account, I was told if I close it the disputes will also be closed. I have request through CitiBank and now through this agency : a report showing my undisputed balance and closure of my account. I will pay what I owe but dont plan to pay XXXX cent more. The treatment I am receiving from CitiBank is deplorable and completely unacceptable. I have been their customer for 25 years but will never do business with them again.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30519
Submitted Via: Web
Date Sent: 2022-12-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-30
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Citibank accounts, checking and savings, on XX/XX/2022 were blocked and will be closed by the fraud department at Citibank. We have no explanation and no access to our money. I am XXXX and my wife is XXXX XXXX XXXX. We have been banking at Citibank for 36 years. We are certainly not involved in fraud. Their only action to help me, after spending hours on the phone and a visit to our local branch, was to indicate that I will be getting a letter from them in 60 days. In the meantime, I can not get access to my money. This is a disgrace. XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33467
Submitted Via: Web
Date Sent: 2022-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A