Date Received: 2022-12-13
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I received a call through a relative, on their phone from a place that identified themselves as XXXX XXXX XXXX associates. They called from XXXX. I returned the phone call. After asking for my social security number which they already had, they were asking me for information. I continually asked them what this was regarding and they finally told me Citibank. They said Citibank had sent me a bill for an old debt and I ignored it. They said Citibank had a defaulted balance from me for {$10.00}, XXXX and they tried to settle with {$1500.00} a week ago and I did not accept it and said that I tried to defraud Citibank and they were going to sue me. They continued to ask me questions and I told them I would contact Citibank and find out what they need from us. She continued to talk and I disconnected.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 490XX
Submitted Via: Web
Date Sent: 2022-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-13
Issue: Other transaction problem
Subissue:
Consumer Complaint: On XX/XX/22 I attempted to wire a payment of XXXX to my mortgage servicer ( XXXX Bank ) from my Citibank checking account to pay off my mortgage. After multiple days of the payment not being received, I went to Citibank to determine the issue. I was told at Citibank the wire was put on hold due to " money laundering '' and that I would have to email a set of answers to specific questions before the funds would be released. I asked to have the funds refunded to me immediately and to cancel the wire, but was told that was not possible until I emailed the answers to the questions ( e.g. purpose of wire, who is the recipient, who owns the company, etc. - XXXX is a publicly traded bank... ). I emailed the information the same day and was told the money would be returned to be within XXXX business days in full, including a refund of the wire fees. Nearly XXXX weeks later I still do not have my money, and am being told the money is still being held for investigation. The money in my account had been there for quite a long time and was paid to me from a business that uses Citibank. I have banked at Citibank for nearly XXXX decades and have previously wired money to XXXX Bank for my mortgage. There is XXXX reason why my transaction would be flagged as " money laundering '' I continued to call Citibank to resolve the issue and keep being told the money will be returned shortly, but I can't get ahold of anyone who works on the issue, or an exact date of when I'll receive my money. The fact that I can't have my own money returned to me or get anyone to tell me what is going on while they hold my {XXXX} is bewildering. This has cost me XXXX of dollars in continued interest with my mortgage servicer and dozens of hours of headache trying to resolve the issue. I ask the CFPB to please help and force Citibank to return my money and stop ignoring my requests.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91307
Submitted Via: Web
Date Sent: 2022-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-13
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On my Citi bill were charges I did not authorize. Offer XXXX promotion : XXXX -- XXXX XXXX -- XXXX XXXX -- XXXX XXXX -- XXXX Offer XXXX promotion : XXXX -- XXXX TOTAL : {$1300.00}. I called today to tell card company I did not authorize & did not know what the charges were for. I was told it was an XXXX promotion to lower fee from 19.6 % to XXXX & now promotion is over they are charging for it. I explained I pay my bill in full every month so had no need for this & would not sign up for it. They insisted I did which I did NOT & refuse to drop charges. Can you help me get my money back? I was so upset I closed account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 553XX
Submitted Via: Web
Date Sent: 2022-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-13
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Someone from citibank official phone number contacted me and advised me my account was effected and scammed over XXXX from my account. I have nothing now with kids to raise. They opened a dispute but are making me wait for denial/approval. Why would i not be approved when i was robbed for every dollar. i need help : (
Company Response:
State: CA
Zip: 95123
Submitted Via: Web
Date Sent: 2022-12-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: a Macys credit card was used that I did not authorize with left a balance and a charged off account. I do not own this debt, I tried contacting the merchant and filing disputes but they did not assist me with rectifying the account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77433
Submitted Via: Web
Date Sent: 2022-12-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-13
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: THE HOME DEPOT/CBNA last reported a late payment on XX/XX/ for an account in the amount of {$330.00} XXXX XXXX last reported a late payment on XX/XX/ for an account Im the amount of {$320.00} XXXX XXXX XXXX last reported a late payment on XX/XX/ for an account in the account of {$810.00} XXXX XXXX XXXX last reported a late payment on XX/XX/ for an account in the account of {$530.00} XXXX XXXX last reported a late payment on XX/XX/ for an account in the amount of {$220.00} In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under 15 USC 1681 section 602 states that I have the right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open ended 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: NJ
Zip: 08109
Submitted Via: Web
Date Sent: 2023-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-14
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. XXXX is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted 4 complaints informing XXXX that I was a victim of identity theft. XXXX is failing to block or remove the account from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged account, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent account, an affidavit from the FTC website & provide a photo ID for their records. XXXX has claimed the accounts listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have this account blocked/removed : CITI XXXX XXXX Opened : XX/XX/2015 Balance : {$3000.00}. XXXX attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The report included this language but XXXX is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11218
Submitted Via: Web
Date Sent: 2022-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-14
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: When I applied for the Citi XXXX XXXX select credit card, the adverisement on their website said " Earn XXXX XXXX XXXX XXXX XXXX XXXX after {$2500.00} in purchases within the first 3 months of account opening... ", see attachment. I charged over {$3000.00} on the card and made full payment within the first 3 months of opening the account, but they only gave me XXXX bonus miles instead of XXXX as advertised. I contacted their customer service, but have not received any explanation or resolution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NM
Zip: 88011
Submitted Via: Web
Date Sent: 2022-12-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-14
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: This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have a loan with XXXX XXXX XXXX XXXX. I have always made my payments on time. Ive contacted the bank about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with all three ( 3 ) credit reporting agencies & they too are withholding any verifiable proof, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and XXXX 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 XXXX 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 XXXX and XXXX 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. I believe their records are wrong & Id like this matter handled ASAP. Please update to paid as agreed/never late. XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11218
Submitted Via: Web
Date Sent: 2022-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-12
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 received a package with my name and address that I did not order from a company I have never ordered from ( XXXX ). I checked my credit card and it showed XXXX charges ( XXXX from XXXX and XXXX for a website I've never heard of ) totalling around {$400.00}. All on XX/XX/22 around XXXX when I know for a fact I was at my doctors office at that time. I have contacted my credit card company to report the fraud. They canceled that number and will be issuing me a new card. And will be returning the products I recieved. But I am worried that my name, address and credit information has been stolen so wanted to file a report in case they open new lines of credit in my name.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60156
Submitted Via: Web
Date Sent: 2022-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A