Date Received: 2022-12-29
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: In XX/XX/2022, I made a balance transfer. I requested that Citibank send funds to XXXX aka XXXX XXXX XXXX has since changed to XXXX ). The amount of the transfer was {$4100.00}. According to Citibank, the funds were sent to XXXX on XX/XX/2022, but have not been applied to my account. I have spent countless hours on the phone with both Citibank and XXXX trying to find a solution, but I am still making payments on both accounts. After filing a complaint against XXXX, a representative from their corporate office has reached out and asked for more information from Citibank. Citibank sent a letter giving a XXXX digit trace number for the funds, but the appropriate trace number needed would have XXXX digits. On XXXX different occasions I have asked Citibank for the account and routing numbers used when the funds were transferred ( this would help XXXX find the missing funds ), but neither Citibank supervisor would provide this this information. Another solution XXXX suggested was for XXXX to pull back those funds into their account. Neither supervisor at Citibank knew anything about this. I am a XXXX individual with a fixed income, so needless to say making two payments is really putting extra stress on my finances.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 47150
Submitted Via: Web
Date Sent: 2022-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-29
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a 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: SC
Zip: 29527
Submitted Via: Web
Date Sent: 2023-02-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-29
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Re : Fraudulent Account Date : XX/XX/XXXX MACY/CBNA ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX To Whom It May Concern, On XX/XX/XXXX, There was an account opened in my name that is fraudulent and has never belonged to me. After multiple attempts to contact and dispute this account due to identity theft there has still been no resolution. Unfortunately, this has left me no choice but to file a complaint with with the Consumer Finance Protection Bureau. To resolve the problem, I would like to demand that this fraudulent account to be removed from my credit report as it does not belong to me and is identity theft. I have disputed this account multiple times to no avail. Your company has been negligent in identifying this as fraudulent account. I look forward to your reply and a resolution to my problem. I will wait until XX/XX/XXXX before seeking help from a consumer protection agency or other assistance. Please contact me at the above address. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2022-12-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-29
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Re : Fraudulent Account Date : XX/XX/XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX To Whom It May Concern, On XX/XX/XXXX, There was an account opened in my name that is fraudulent and has never belonged to me. After multiple attempts to contact and dispute this account due to identity theft there has still been no resolution. Unfortunately, this has left me no choice but to file a complaint with with the Consumer Finance Protection Bureau. To resolve the problem, I would like to demand that this fraudulent account to be removed from my credit report as it does not belong to me and is identity theft. I have disputed this account multiple times to no avail. Your company has been negligent in identifying this as fraudulent account. I look forward to your reply and a resolution to my problem. I will wait until XX/XX/XXXX before seeking help from a consumer protection agency or other assistance. Please contact me at the above address. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2022-12-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-29
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, a purchase showed up on my Citibank card from a vendor called " XXXX '' for {$81.00}. I did not recognize this vendor, and could not relate it to any purchases I made. I reported the charges as fraudulent, and locked my card. Weeks went by, and I saw my card was unlocked, so I locked it again. The charge had not been resolved. I checked again in XXXX to find my card unlocked again, so I called to close the card. Citibank issued me a new credit card number. ( Unbeknownst to me, Citibank intended to allow, and did allow, vendors to charge the new account under the old number. I paid those fraudulent charges, and they are not at issue here. ) At this time, Citibank told me the XXXX matter was still under investigation. On XX/XX/2022, Citibank sent a letter stating that they had received a response from the vendor saying the charge was legitimate. In the letter, I saw that an order had been made by a customer named " XXXX XXXX '' with the email address XXXX. XXXX XXXX had made the order from my zip code in XXXX, PA, but the order was shipped to a residence in XXXX, Maryland. The items ordered were identified as 'grocery ' and included Arizona XXXX XXXX XXXX XXXX XXXX XXXX XXXX and fruit snacks. I responded to Citibank in late XXXX through their online system stating that the charge was illegitimate. Whether the vendor has a way to discern this or not, I do not live in Maryland. I have not traveled to Maryland in years. I do not go by the handle " XXXX. '' My phone number is a XXXX ' number ; not a XXXX ' number. I have no idea what XXXX is, and I would never purchase any of the items listed. Citibank 's system indicated that they would investigate my response and respond to me. In XXXX, I closed all of my accounts with Citi and spoke with many representatives due to my extraordinary dissatisfaction with their handling of my accounts. In all of these conversations, the instant matter was discussed. In all of those conversations, I was told that the matter was still under investigation. In XXXX, when my accounts were officially closed, and my only remaining 'balance ' was the {$81.00}, I began receiving calls and emails from Citibank stating that my account was delinquent and showing that late payment fees were being assessed. Again, I called and spoke with several representatives who told me they understood my frustrations, that they would remove my late payment charges, and that I would receive a communication regarding the resolution. The late payment charges that had been assessed at that time were removed, but since then, more have been assessed. I have not received any response from Citibank investigating my claim. Instead, I have clearly been reported to credit agencies as being delinquent in my payments. My credit score has dropped 150 points overnight. I have almost 25 years of debt/credit history and have always paid on time. Consequently, my credit score was near perfect as of XX/XX/2022 before Citibank reported me. Citibank has no actual process for investigating a fraudulent charge other than asking the vendor to verify that a charge was made, even though most fraud is the result of a vendor unwittingly accepting an unauthorized persons ' use of someone else 's card. Citibank has repeatedly lied to me about the existence of an investigation, and now has allowed my financial reputation to be harmed. I hope that escalating this issue through this agency will result in more action than simply torturing Citibank 's customer service team, who clearly have no power to do anything, but likely spend all day on the phone dealing with complaints.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 160XX
Submitted Via: Web
Date Sent: 2022-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-29
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Hello, I was charged $ XXXX XX/XX/2022 by a hotel for a reservation that was cancelled XX/XX/2022. I reached out to the hotel and they cancelled it, also refunded me, and sent me the proof via email. The bank involved originally gave me a provisional credit, but month later, charge me again for that same amount. Since XX/XX/2022 the bank has credited/charged me XXXX times, although I have disputed it via email/mail/fax and none of them have been reviewed or taken into consideration. Every time I reach out to the bank, I speak with different agents who dont see my documents, who are giving me different instructions, dont see the information from the last agent, agents who giving me different reference numbers, and people who do not care, no empathy. This has caused XXXX XXXX XXXXXXXX XXXX XXXX XXXX and all I want is for my credit to be issued, and this dispute to be resolved once and for all. {$330.00} XXXX not be a lot to the bank for me living paycheck to paycheck {$330.00} is a lot of money. I received a letter that they will again be debited this money from my account XX/XX/2022, although Ive disputed it XX/XX/2022 and disputes take XXXX ( because no one is looking at my documents they keep closing the dispute ). XXXX charge XXXX credit XXXX charge XXXX credit XXXX charge XXXX credit XXXX pending charge
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-29
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: When I initially filed the disputes ( both for XXXX ), I received XXXX emails from Citi saying that they had received my disputes, and both emails had separate case numbers. XXXX was XXXX for {$2000.00} ; however, the other case ID was XXXX for {$2500.00}. The merchant responded to the dispute, stating that I had bought XXXXXXXX XXXX XXXX. This is false. I purchased XXXX XXXX XXXX XXXX XXXX They also included an edited video that stated that I was satisfied with my orders. However, the merchant forced me to say that before receiving the items, and also edited the video- this is because in the full video, I say that I have not received my items yet. When the merchant responded to the dispute, I received XXXX letters from Citi that both referenced XXXX, when only XXXX letter should have referenced XXXX while the other should have referenced XXXX. Because of this error from Citi, I was only able to respond to XXXX case instead of both, as is my right. It also looks to me like the merchant only responded to XXXX and not both XXXX IDs. So Citi 's reversal of the temporary credit for {$2500.00} was not warranted, as the merchant only responded to XXXX. I would even go so far as to say that because the merchant failed to reply to XXXX, I should be granted a permanent credit for that charge. To summarize, I was only given the opportunity to respond to XXXX of my XXXX disputes with XXXX, because Dispute ID XXXX was never mentioned after the initial emails I received that clearly distinguished the XXXX disputes with XXXX different dispute IDs. Instead, I was expected to respond to the same Dispute ID twice. Additionally, the merchant only responded to Dispute ID XXXX and not XXXX. I was also asked to provide a credit slip by Citi- I don't have a credit slip because, again, I never received the items. Because of how this has been handled thus far, I have no choice but to file my complaint with the CFPB. I am attaching the FULL video below where I was coerced to say that I was satisfied with my order, but say that I have not received the orders.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 17110
Submitted Via: Web
Date Sent: 2022-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-29
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: There is a Citicards credit card showing up on my credit report that should not be there. It says that I am an authorized user of this account. I do not have access to this account. I do not have contact with the primary account holder either. I have not spoken to this person since we broke up about 10 years ago. I do not have any contact information for this person either. I tried calling Citi today XX/XX/2022 around XXXX PST and spoke with 2 different agents. Both agents tried to find me and the account multiple ways unsuccessfully. They couldn't find me by my name, my social security number, previous phone numbers, my maiden name, the primary 's full name, the primary 's previous numbers and address, etc. I also gave them all of the information I had on the account that I could see on my credit report. They were still unable to locate me or this account and insisted that it may be a Costco card. I was told that since they can't find me on any accounts, I would have to get the primary card holder to call them to remove me. This is just a giant circle. I can't get in contact with this person as I said before. I haven't had contact with him in almost a decade. How am I supposed to get him to do this? I am stuck in an unending loop and unable to free myself and my credit reports from this account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 986XX
Submitted Via: Web
Date Sent: 2022-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-30
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Im a card holder of Macys and in XXXX several packages were received with missing items. I stayed the complainant which isnt my fault that either I had a porch pirate or XXXX was stealing my packages. Now theyve cut off my online purchases but I can go in the store however I dont even reside in a city that has a Macys.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32221
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: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request XXXX and XXXX the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. CITI XXXX Date Opened : XX/XX/2016 Balance : {$5600.00}
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: 2023-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A