Date Received: 2022-12-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX XXXX ( XXXX XXXX I, XXXX ) www.cavps.com has been pursuing me for {$320.00} they claim I owe Macys. I believe the whole bill stems from a miscalculation in XXXX that accrued over {$300.00} of interest charges, it was not any purchase I made. In any event, the charge off date was XX/XX/XXXX. They have been harassing me for years. I told the previous collection agency, XXXX, that this debt was not mine and I told XXXX the same thing. They continue to write me and it is very upsetting. I am XXXX XXXX XXXX. I live on a small social security income and my husband passed away during XXXX. I have asked them to leave me alone but they will not. I dont know what else to do.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33322
Submitted Via: Web
Date Sent: 2022-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-22
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I opened an account with Citibank on XX/XX/2022. I deposited my first check on XX/XX/2022. They notified me about closing my account on XX/XX/2022. I called and they told me my account has been closed and they cant give me any more information about it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93309
Submitted Via: Web
Date Sent: 2022-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-22
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX Citibank XXXX XXXX XXXX XXXX XXXX XXXX Citibank XXXX XXXX XXXX, XXXX Floor XXXX XXXX, TX XXXX Re : Account No. XXXX Closure On XX/XX/XXXX, I, XXXX XXXX XXXX opened a XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) with Citibank XXXX I have been a Citibank customer since XX/XX/XXXX, owning many different Citibank products in the last 15 years. The City Priority Checking Account ending in XXXX, was funded via a transfer from another personal account of mine at XXXX XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$30000.00}. From XX/XX/XXXX until XX/XX/XXXX, there were no transactions on the account. On XX/XX/XXXX, a check in the amount of {$3.00} was paid. On XX/XX/XXXX, I requested another transfer from my XXXX XXXX XXXX XXXX belongs to me in the amount of {$25000.00} into my Citi Priority Checking Account with the intent of opening a CD Account with Citibank with those funds. On XX/XX/XXXX, as I routinely do in the morning, I logged into my Citibank to check the status of the requested transfer. To my complete shock, my Citibank Priority Checking Account was no longer listed under my products in my Citibank login. I reached out to Citibank Customer Service via the chat option online to request information on why my account was not listed and was transferred to over 5 different customer service associates that could not explain what had happened. I then proceed to try via the Customer Service phone number and was told by a Citi Representative that an Investigation was opened for my account. I was also guaranteed that in 24 hours, I would hear back with the results. I then proceeded in the next few days to call multiple times to check on the status of such investigation that was started without Citibank informing me of such and no additional information being provided to me. As per the list of phone calls with Citibank customer service attached, I wasted valuable hours of my time just trying to figure out what happened to my account and funds. Today, XX/XX/XXXX, I finally received an email from Citibank stating : Hi, XXXX. We periodically review customer accounts and assess account activity. Based on a recent review of your REGULAR CHECKING account, we found that you have violated the terms of your account per the client manual. As a result, your REGULAR CHECKING account and any other Citi accounts you have will be closed within 60 days of the date of this communication. All of your accounts are now restricted from receiving deposits or credits, effective immediately. This has been frustrating to say the least. I am requesting that Citibank officially describe and inform me of the violation to the terms of my account as per the client manual actually was. Citibank currently holds {$55000.00} of my hard-earned money and have been told is that it will take 30 to 60 days to return those funds to me via a check. How Citibank unilaterally and without providing reason, believes it is acceptable to withhold someones funds for 30-60 days baffles me. I need these funds to meet my financial obligations. There are so many issues with how Citibank conducted this process, and it has forced me to have to write this letter. I look forward to your reply and a resolution to my problem before seeking help from the Consumer Financial Protection Bureau. Please contact me by phone at XXXX XXXX. Sincerely, XXXX XXXX Attachments - List of Interactions with Citibank Customer Service - XX/XX/XXXX Deposit Confirmation - Account Closure Notice E-mail
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33143
Submitted Via: Web
Date Sent: 2022-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-22
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: Citibank has not been able to provide me access to online banking after calling XXXX times. The support team just keeps on transferring me. There was a fraud in my account and a new account was then created for me, ever since have not been able to access online banking even after talking to Citibank for XXXX XXXX I can not access my funds. I need access to these funds asap. This is my XXXX complaint here still no one fixed it for me. This bank should be regulated better and its a shame. Please fix the issue so that I can access my banking and can have access to MY OWN MONEY!!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 18042
Submitted Via: Web
Date Sent: 2022-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I received a notification that an alert was on my credit report today XX/XX/22. Someone opened a inquiry and credit card for CBNA/ THD ( Home depot ) today XX/XX/22. I called XXXX to dispute and they placed a fraud alert on my credit. Then I called Home Depot credit services to dispute and make them aware. They stated whoever did it used a different address to open a credit card using my name and social today but it did not have any charges on the card as of yet. They cancelled the card immediately and changed my address so they do not receive any further information in regards to the card or my information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75160
Submitted Via: Web
Date Sent: 2022-12-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-22
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
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. Under 15 USC 1681 Section 604 A Section 2, it also states, a consumer reporting agency can not furnish an account with my written instructions. Under 15 USC 1666b, A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. This creditor marked late payments on XX/XX/XXXX and XX/XX/XXXX to the credit bureau, which I contacted the credit agency explained and paid off my balance however, they refuse to update the Credit Bureau after they had already sent a report. I submitted a screenshot of a report from XXXX that was updated on XX/XX/XXXX, which shows that the credit agency marked another month ( XX/XX/XXXX ) as late, even though the balance statement is not due yet for XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07094
Submitted Via: Web
Date Sent: 2022-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-22
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
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. Under 15 USC 1681 Section 604 A Section 2, it also states, a consumer reporting agency can not furnish an account with my written instructions. Under 15 USC 1666b, A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. This creditor marked late payments on XX/XX/XXXX and XX/XX/XXXX to the credit bureau, which I contacted the credit agency explained and paid off my balance however, they refuse to update the Credit Bureau after they had already sent a report. I submitted a screenshot of a report from XXXX that was updated on XX/XX/XXXX, which shows that the credit agency marked another month ( XX/XX/XXXX ) as late, even though the balance statement is not due yet for XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07094
Submitted Via: Web
Date Sent: 2022-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-23
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: I received a email out of the blue from Citi Card, stating that my credit card that I pay three weeks be for the due date every month and have never missed a payment, My account was XXXX and today they changed it to XXXX dollars, due to retaliation because I filed a complaint with CFBP last month in reference to them reporting false information in my credit report. There is no valid reason to do such an unlawful, unjustified and flat out discrimination act, and a law suit need to be brought against the company I am not the only person of XXXX that have been done like this I am attaching the email sent to me and my payments statements showing my on-time payments
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77459
Submitted Via: Web
Date Sent: 2022-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-23
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I have a loan with CITICARDS CBNA. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. The confusing part for me is it doesnt reflect anything except 120 days past due, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. The 3 credit bureaus shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at The 3 credit bureaus are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Ive never been behind on my payment. I tried contacting the 3 Credit Bureaus and the CITICARDS CBNA but they have provided me with nothing tangible which reflects anything verifiable. There is definitely an error with their part. Investigate properly and please update for 100 % accuracy. CITICARDS CBNA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90266
Submitted Via: Web
Date Sent: 2022-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-23
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: I purchased 3 products from BestBuy on XX/XX/XXXX and used My BestBuy credit card issued by the Citibank for their 18-months no interest payment plan. The customer service desk person at the local BestBuy store in XXXX, NC had set up {$85.00} monthly installment for the period of XX/XX/XXXX through XX/XX/XXXX. I was not informed why and how they set up this monthly {$85.00} amount. At the end of the 18-months plan, in XX/XX/XXXX $ XXXX a balance payment, which they never notified me and charged an interest of {$550.00}. So, total balance went up directly to {$700.00}. I noticed this unfair business practice in XX/XX/XXXX as I saw that my monthly payment was and is still being paid from the autopay arrangement. I went to the local BestBuy store in XXXX, NC and reported this issue to their customer service desk. Although, My BestBuy card was issued and all the business was done at their desk, they refused to accept their responsibility and said that " this issue is with the Citibank and we can't do anything. '' So, I talked to the Citibank customer service over the phone. As problem did not resolve, two days later I again called Citibank customer service and this time talked to their supervisor. She was little considerate and said that she has put a note for her supervisor ( so, it was supervisor 's supervisor ) as he was not there due to the weekend. I again called on Monday with reference to that note. But the person that time said, they can't do anything and closed my account without any resolution and reported to credit bureau that will affect my XXXXredit score, which I earned over a decade with honesty. Now I am helpless to know, XXXX. Why and how monthly installment of {$85.00} was set up without my knowledge and XXXX. Why I was not notified at least once of the balance amount of {$150.00} that I could have surely paid right away and avoided these complications. My history with them is all loyal and clean. This is ridiculous that an interest of {$550.00} is charged on the balance of {$150.00} and no one is taking responsibility to treat me fairly. Hence, I am reaching out here to seek justice for me. Thank you Best regards
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27858
Submitted Via: Web
Date Sent: 2022-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A