Date Received: 2022-12-11
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XXXX Received an automated text from Macy 's stating " register your new account online ''. Action taken by me : None at the point. XXXX Received an email notification from XXXX XXXX stating " new credit inquiry added to your report ''. Action taken by me ( XXXX XXXX ) : Opened my XXXX account and checked further details- found out about new inquiry made by Macy 's as on XX/XX/XXXX. I did not make this inquiry hence do not recognize the same. Further action taken by me ( ~ XXXX XXXX ) : Contacted XXXX XXXX XXXX credit bureau XXXX Case was generated and expected to be followed up within 3-4 business days. Further action taken by me ( ~ XXXX XXXX ) : Contacted Macy 's. Call was transferred to XXXX from FTC who asked several questions and reported to have blocked the new application process that she noted was " pending approval at that point ''. Action taken by XXXX ( ~ XXXX XXXX ) - Requested to change my account password at Macy 's. XXXX Received automated text notification by Macy 's stating " register your new account online '' ( similar to initial text received as on XX/XX/XXXX ). Action take by me : ( XXXX XXXX ) - Changed password and deleted linked credit cards. Also writing this report to CFPB.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22306
Submitted Via: Web
Date Sent: 2022-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-12
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: I notice this Month XX/XX/2022 that the interest charge amount was high. I started checking all my monthly statements back one by one. I was paying an APR Of 11.99 and they started raising it WITHOUT notice every month.As follows, XX/XX/3022. 11.99. % XXXX XXXX 12.24 % XXXX XXXX. 12.24 % XXXX XXXX. 12.74 % XX/XX/2022. 13.49 % XXXX XXXX. 14.24 % XXXX XXXX. 14.24 % XXXX XXXX. 14.99 % XXXX XXXX. 14.99 % XXXX XXXX. 15.74 % I called customer service for this credit card and ask why they increased the APR and why they didnt notified in order for me if I want to decide to keep the Credit Card or closed it. Their answer was just that the government increased interest not them I asked asked again. Why you didnt sent me a letter informing me. And I got no answer. I have the monthly statements where it shows the increasing
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92154
Submitted Via: Web
Date Sent: 2022-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-12
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. This account has several errors. The payment history and date last activity are inaccurate as the references to late payment. I was never late in paying. Under the Fair Credit Reporting Act, Im going to have to request proof of last payment and payment history. You are reporting false information and I believe the company is violating Sections 616 & 617 of the FCRA, 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 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 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 update 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. Please update or correct the late payment from this account. CITI XXXX Date Opened : XX/XX/2014 Balance : {$0.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07621
Submitted Via: Web
Date Sent: 2022-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I was made aware by requesting my consumer reports with XXXX XXXXXXXX XXXX XXXX XXXX XXXX that a checking account with Citi Bank, NA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX was opened fraudulently under my name on XX/XX/2020 on XX/XX/2020 a veterans check was deposited into this account fraudulently. Upon further review on my behalf the writing on this check isn't my handwriting and has been confirmed by a handwriting expert. Also there were several other inquiries to Citi Bank that were made XX/XX/2020, XX/XX/2020, XX/XX/2020. I am beyond upset that Citi Bank opened a checking account under my name without proper verification, and due to their carelessness and lack of security there was fraudulent activity done on this account that triggered a criminal investigation. I have never applied for an Citi Checking account, and I don't understand why or how this happened. Citi Bank refused to follow protocol and procedures in attempting to alert me of this account that was opened without my knowledge. I find out 2 years later about this account, and was never notified? In the past, I have received letters from XXXX XXXX, and XXXX XXXX XXXXXXXX via XXXX mail alerting me that an account was attempted to be opened under my name, but that it was unsuccessful due to not being able to verify my identity. During these instances, I went to my local XXXX XXXX and XXXX XXXX XXXXXXXX and thanked the branch managers personally for taking care of their banking customer and non-customers security. I honestly dont know what makes Citibank so different from performing standard security procedural protocol to protect their customers and non-customers which is why I seek your assistance with my complaint to come to a resolution regarding this matter. Furthermore, the following phone numbers on these consumer reports XXXX, XXXX, and XXXX have never been associated with me. Also email address of XXXX and XXXX has never been associated with me, and lastly XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX never been associated with me. I will attach a copy of my Drivers License which clearly shows XXXX XXXX XXXX, XXXX as my correct address.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78043
Submitted Via: Web
Date Sent: 2022-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-11
Issue: Other transaction problem
Subissue:
Consumer Complaint: Hello, I made an international XXXX transfer from a non-sanctioned XXXX bank to a XXXX bank. Amount XXXX USD ( XXXX USD after sender 's fee ), Value date XXXX. The recipient of the money was an American bank CITIBANK N.A. ( XXXX ). The transfer was rejected by the XXXX bank ( CITIBANK N.A ) on XXXX. CITIBANK N.A. informed the sending bank about it. Since then the money has not been returned to the sending bank. On XXXX, the sending bank launched an investigation, but CITIBANK N.A. did not respond. I filed a complaint against Citibank and received an answer that they are unable to find my transfer. ( CITIBANK answer attached ) I find their answer unsatisfactory. 1 ) They mixed up my name. 2 ) According to the attached letter from XXXXXXXX XXXX, CITIBANK received the transfer and rejected it. This means that CITIBANK must have information about my transfer. I request that CITIBANK use the data from the attached documents, including the gpi track number and provide me with information about my transfer and also return my transfer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-11
Issue: Other transaction problem
Subissue:
Consumer Complaint: Hello, I made an international XXXX transfer from a non-sanctioned XXXX bank to a XXXX bank. Amount XXXX USD ( XXXX USD after sender 's fee ), XXXX date XXXX. The recipient of the money was an American bank CITIBANK XXXX. ( XXXX ). The transfer was rejected by the XXXX bank ( CITIBANK XXXX ) on XXXX. CITIBANK N.A. informed the sending bank about it. Since then the money has not been returned to the sending bank. On XXXX, the sending bank launched an investigation, but CITIBANK N.A. did not respond. I filed a complaint against Citibank and received an answer that they are unable to find my transfer. ( CITIBANK answer attached ) I find their answer unsatisfactory. 1 ) They mixed up my name. 2 ) According to the attached letter from XXXX Bank, CITIBANK received the transfer and rejected it. This means that CITIBANK must have information about my transfer. I request that CITIBANK use the data from the attached documents, including the gpi track number and provide me with information about my transfer and also return my transfer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-10
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: XXXX XXXX XXXXXXXX XXXX {$8.00} ommitted, missing -- - CITIBANK account after purchasing gas XXXX XXXX for {$25.00} XXXXXXXX XXXX XXXX Other complaints have been made for theft @ CITIBANK XXXX XXXX XXXX Only one customer service representative to address account. They were cleansing -- a coffee scent They have the tellers completing IRA paperwork Could not find paperwork Mash potatoes and gravy XXXX XXXX XXXX XXXX XXXX XXXX, the teller, will ask the clerk at the desk for the paperwork and they could not find the sheets or forms and did not know the codes to access the computer. XXXX was trying to put her son in my XXXX to cleanse him. Stated we clean with your soul. The clerk at the desk discriminated based on hair texture and will then state you are here just for cleansing we are the ones stealing your money from the account. A XXXX could be heard on a loudspeaker stating to 'us you were not a XXXX ' that is why we treated you this way. Germans are for cleansing and diluting. I could not believe you are a XXXX. Filed several complaints for discrimination from Citibank on behalf of their representatives. They were performing vodoo as they held the paperwork. Representative stated we are trying to put our XXXX on you cause we get and work at bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11375
Submitted Via: Web
Date Sent: 2022-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-10
Issue: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: Citigroup has violated federal law by not providing 5 years of statements ( eletronic or physically ) related to my account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23229
Submitted Via: Web
Date Sent: 2022-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-10
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Both our online checking and savings accounts with Citibank were hacked into the night of XX/XX/XXXX. A fraudster posing as a Citibank XXXX first called our son, then got us on the line. Using XXXX, he managed to empty our checking and savings accounts first. Then a personal loan was immediately opened in my name, and that money was also sent out through XXXX. XX/XX/XXXX : the following transfers were made to XXXX : {$2400.00} {$2400.00} {$2400.00} XXXX : {$2500.00} {$2400.00} {$2500.00} {$2400.00} {$2400.00} {$1200.00} Also, on XX/XX/XXXX, they opened a personal loan thru Citibank under my name for just under {$7000.00}. Our entire savings account and checking accounts with Citi were emptied, and this personal loan was also spent. I spent countless hours calling Citibank on Saturday XXXX, trying to figure out what had happened. Finally on Wednesday, XX/XX/XXXX, again after being transferred from numerous Citibank departments, I was connected with Disputes. It was then we were informed that the " initial Citi XXXX XXXX '' had been the one perpetuating all of the fraud. Obviously I was sickened to hear that we were scammed this way. We are not wealthy people by any means. I then had to file dispute charges on every XXXX charge that had been put through, and was told it could take up to 45 days to have resolution on this case. Also no guarantee that these funds will be restored to us. I was also told that I had to contact the Citibank loan department separately to dispute the personal loan taken out in my name. That was more hours spent on the phone being bounced from department to department. Finally on Friday XX/XX/XXXX I spoke to someone in personal loans who said an identity theft package would be mailed to my home hopefully within a week. So in addition to losing all of our money, I am now being held to repay a loan of {$6800.00} that was granted in my name to these criminals. Citi did " provisionally '' reverse {$4900.00} of the above XXXX transactions to our account. But we have no idea what that means, and can't spend money that XXXX be taken away from us yet again. We are just beyond ourselves that nobody at Citibank or XXXX caught all of this suspicious activity going on. And of course I am very embarrassed that I was taken in by this scam, I thought that I was a much savvier consumer. These crooks were very sophisticated, calling from a XXXX number, sending " Citi '' security codes and texts " reversing '' the XXXX charges to our accounts, etc.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60004
Submitted Via: Web
Date Sent: 2022-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-10
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: In XX/XX/XXXX I received a offer from Citibank on my Citi XXXX XXXX XXXX account page. The offer I received was for a bonus of up to {$2000.00} for opening an online checking account and maintaining a determined amount for a certain length of time, as copied below. 1. Open a new checking account in an eligible account package from XX/XX/XXXX to XX/XX/XXXX. XXXX. XXXX XXXX Funds into your new checking account within 20 days of account opening. The balance on your XXXX day will determine your maximum eligible cash bonus. XXXX. Maintain the required Minimum Balance in your eligible account for an additional 60 days from the XXXX day. The bonus is based on the following amounts, as copied. Simple steps to earn your Cash Bonus EARN {$200.00} MINIMUM DEPOSIT : {$10000.00} EARN {$500.00} MINIMUM DEPOSIT : {$30000.00} EARN {$1000.00} MINIMUM DEPOSIT : {$75000.00} EARN {$1500.00} MINIMUM DEPOSIT : {$200000.00} EARN {$2000.00} MINIMUM DEPOSIT : {$300000.00} I made my deposit on XXXX XXXX, XXXX and maintained the balance as required per the online sample page copied and pasted below. XXXX XXXX XXXX DAY XXXX NEW ACCOUNT OPENED The day you opened an account in an eligible account package. XXXX XXXX XXXX DAY XXXX FUND YOUR ACCOUNT Deposit New-to-Citibank Funds within 20 days of account opening. The balance on your XXXX day will determine your maximum eligible cash bonus. * XXXX XXXX XXXX DAY XXXX MAINTAIN YOUR BALANCE Maintain the required Minimum Balance in your eligible account for an additional 60 days from the XXXX day. ** After opening and funding the online checking account on XX/XX/XXXX I saw no evidence on my account page of a bonus attached to the account. I called Citibank two times within the first two weeks of opening the account to make sure it was opened correctly and that I would receive the bonus following the maturity date of XXXX XXXX, XXXX. During both conversations with Citibank representatives I was assured that everything looked good and I could expect the bonus within 30 days after the maturity date of XXXX. I maintained the required amount to assure the bonus from XX/XX/XXXX through the maturity date of XX/XX/XXXX and then again called Citibank on XX/XX/XXXX to enquire about the bonus and to see if it was okay to transfer some of the ballance into my savings account at that time. I was told that since the required bonus time had passed that I could transfer money out of the checking account with no effect on the bonus, as long as I kept some money in the checking account to keep it active. I was then given a case reference number that I could call and refer to if I had not received the bonus within 30 days following the maturity date. ( Approx. XX/XX/XXXX ) Today on XX/XX/XXXX I received a message attached to my online checking account stating that my checking account was not eligible for the bonus program. I then called Citibank and spoke to a representative. I gave him my account reference number and after putting me on hold for an extended period he returned to tell me that my checking account wasn't eligible for the bonus because the bonus was coded for invitation only. He said if I had a letter of invitation that I could submit for proof of invitation then I would be eligible for the bonus. I explained that I had not gone searching for the bonus, that it was sent to me on my Citi credit card page, and of course I don't have a copy of it. I also told him that I had talked to two seperate representatives shortly after opening the account and was assured that everything was opened correctly to receive the bonus as advertised. I also stated that anyone with half a brain can tell by looking at my checking account, that since only one deposit was made on XX/XX/XXXX and no withdrawals or other activity was conducted until XX/XX/XXXX, it is very obvious that I only opened the checking account to earn the offered bonus money. The representative was not helpful, but said he would pass along the information that I gave him about the online offer I received on my credit card page. At this point I have little if any hope that Citi will uphold their end of the bonus agreement. I have been a Citi Double Cash credit card user for approximately 8 years, but I will be closing my Citibank checking and savings accounts promptly due to the loss of all confidence and respect for Citibank Corporation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 295XX
Submitted Via: Web
Date Sent: 2022-12-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A