Date Received: 2022-12-08
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I was alerted by XXXX XXXX, XXXX and XXXX who monitor my credit on XX/XX/XXXX that Macys/Citibank NA was showing I was over 30 days past due for my XXXX payment. I have included what appeared on my online Macy 's account as well as XXXX emails indicating receipt of payment. My XXXX payment was due on XX/XX/XXXX. The balance was {$80.00} of which I returned {$24.00} for XXXX items on XXXX and another return for {$39.00} posted by Macys on XXXX. See statement from Macy 's ( Exhibit B ). I kept XXXX item costing {$16.00}. I made my payment for the balance due of {$16.00} on XX/XX/XXXX. Later in XXXX, I received my next bill indicating a {$29.00} late fee ( Exhibit C ). I contacted Customer Service and was told it was because I had not paid the minimum payment of {$29.00}. I explained I had not kept {$29.00} worth of goods and that I had paid the remaining balance for the XXXX item I kept in the amount of {$16.00} on XX/XX/XXXX. They did reverse the late fee however, they continued to state I was past due by {$12.00} ( {$29.00} late fee minus {$16.00} ) because I had not met their minimum payment of {$29.00}. I could not after several phone calls ever get anyone to acknowledge their error and I also was not going to pay for goods that I did not possess. Unfortunately, due to being on vacation in early XXXX, I forgot to make my payment on time ( XXXX time in years ) and as soon as I was alerted about this on XX/XX/XXXX, I immediately went online, paid the balance due, late charges and interest in the amount of {$100.00}. Of note, in this statement online they had a different amount showing past due which was the current late fee of {$25.00} ( Exhibit D ). They also stated I was now XXXX months past due. My payment was 6 days late as I had made my XXXX payment on time! It appears due to their error in not acknowledging my payment in full in XXXX, they reported me as not paying by the due date in XXXX by 30 days to XXXX and XXXX and by 60 days to XXXX. I WAS 6 DAYS LATE NOT OVER 30 DAYS LATE. I verbally asked them to correct this information on XX/XX/XXXX, however they sent a letter stating they would not do so ( Exhibit E ) dated XX/XX/XXXX. I then wrote to Macys/Citibank NA XXXX XX/XX/XXXX ( Exhibit F ) and detailed what had happened. They again would not correct their erroneous reporting to the XXXX agencies ( Exhibit G dated XX/XX/XXXX ). I asked in my letter to prove to me I had not made my payment in a timely manner in XXXX, however they did not do so. I closed my Macys/Citibank NA account on XX/XX/XXXX after being a cardholder since XX/XX/XXXX. There is a serious problem between what information is shared between Macys and Citibank. Their reporting has severely damaged my otherwise excellent credit score which was always over XXXX. I am including XXXX XXXX XXXX statement of my XXXX scores as well as XXXX 's score of XXXX on XX/XX/XXXX ( Exhibit H ). I also tried to dispute the erroneous information with XXXX and XXXX and in the end I was told that any changes would have to be made by Macys/Citibank NA .
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NH
Zip: 032XX
Submitted Via: Web
Date Sent: 2022-12-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-08
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I had a secured credit card with Citicards for {$200.00}. The secured balance was used to pay off the {$200.00} credit balance. They took the secured balance, but are sending me a fraudulent bill of {$250.00}. Citi is charging {$250.00} for a balance I do not owe. I asked for itemized proof of this debt showing dates of how this balance was incurred. Citi can not provide proof of this debt. Please wipe this debt and remove from all of my credit reports. It is harming my credit profile and factoring into credit decisions that are influencing my finances.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29212
Submitted Via: Web
Date Sent: 2022-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-08
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 CBNA XXXX, XXXX XXXX, and Dept of ED/XXXX XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2022-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-08
Issue: Took or threatened to take negative or legal action
Subissue: Collected or attempted to collect exempt funds
Consumer Complaint: XXXX XXXX XXXX XXXX froze money in my checking account, I was NOT informed that they were going to take the money out of my account, and no one will help me. this is a credit card debt that is well over 7 years old, and they claim that they took over the account in 2018. No one will help me and all they say is that at this point I MUST pay the money. The only option I was given was to give them a different checking account. The money that they are taking was deposited into my checking account through a claim we have when our house burned this year and was a total loss. Including personal property. The credit union will not help nor, will anyone at the number I was given to call.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97477
Submitted Via: Web
Date Sent: 2022-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-08
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I attempted to purchase a CD from Citibank online. The purchase appeared to be successful but at the end of the process I got an error message that said Citi was unable to create an account and I should go to a branch. I visited a branch and they were unable to create the account but they informed me that if the money wasn't withdrawn on the same day, the transaction would be cancelled. As a precaution I disabled the XXXX access to my XXXX account that Citi had requested. The next day I purchased a CD from another institution. Today I discovered that my XXXX account was overdrawn because Citi had withdrawn the funds. I called Citi several times in an attempt to resolve the issue and cancel the CD. They informed me that the CD can not be cancelled without penalty, yet they are still unable to create an account online for me, so I am left with a product I have no access to ( since they can not create an online account ), which I didn't want in the first place.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98105
Submitted Via: Web
Date Sent: 2022-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-08
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: XX/XX/XXXX Credit Card was hacked through XXXX. Notified XXXX at XXXX of fraudulent credit card usage. We were told once charges are pending they can not be removed except by the merchant. XXXX charges on this date involved cash advances of {$1200.00} and {$660.00}. At this time a cash advance transaction fee of {$95.00} was placed on our account in connection with these XXXX advances. We continued to make frequent calls to XXXX fraud center and to XXXX fraud unit to get the cash advances removed. XXXX saw obvious signs of fraud on our account which involved other credit cards for XXXX purchases and as a result of their investigation on XX/XX/XXXX they contacted XXXX and credited our account for the XXXX cash advances. I do not believe XXXX was legally required to compensate us as I think credit card companies are supposed to be the ones who are responsible for fraud. Nevertheless XXXX told us repeatedly not to worry, that if the fraud was straightened out that all associated fees would disappear. The credit card still shows {$190.00} in cash advance fees. We have called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Each time were told dont worry but nothing is done, We were forced to pay the bill to keep our credit good.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 170XX
Submitted Via: Web
Date Sent: 2022-12-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-08
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I requested a Macy 's Credit card on XX/XX/22 at the Macy 's located at XXXX XXXX XXXX XXXX, PA XXXX. The sales woman asked for my information and did not ask to pull my credit but she did it anyways without permission when she told me to enter my social on the electronic pin pad and to enter my salary and then asked me to sign on the pin pad which I used my beneficiary signature even though I was forced to sign electronically instead of being allowed to do business using physical paperwork. I was then told that I was denied for the Credit card and that I would receive something in the mail in a few days about the denial infront everyone present at check out. I was humiliated. On XX/XX/22 I called Macys XXXX XXXX XXXX and spoke to XXXX who informed me that I was denied for not having enough credit history and then put XXXX her supervisor on the phone who also stated I got denied due to not having enough credit. I informed them on the TILA and also Title 15 1611and 12 CFR Part 1002 Regulation B and they said it was the automated system. On XX/XX/22 I called the Macy 's reconsideration line to speak to a live person and get them to review the request. I spoke on the reconsideration line asking that my request be reconsidered since I was denied by the automated system. He said of course and took my information and then told me that no I could not be considered eligible due to me not having enough credit and that the Macys credit card is not for beginners and that I needed to have credit history before applying. I informed of the laws in this consumer transaction and I was told that they do not apply here and are not backed by anything. In this consumer credit transaction my credit was pulled without disclosure, I had no disclosure at all, this faults and misleading denial of my own credit because I wanted to access a portion of my unlimited credit .I was discriminated against by them using a credit report against me and without my permission stating misleading information when I'm credit worthy and I have unlimited credit XXXX am aware that they've taken my Social Security number and electronic signature and in doing so have already been paid and they still denied me and discriminated against me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19104
Submitted Via: Web
Date Sent: 2022-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-08
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: someone got into my citibank account in XX/XX/2022, citi bank froze my account then eventually closed it. i let them know that the address they had on file was not my address anymore, a representative told me that he was able to go in and change it to my new address. once the account was closed they sent out a check of {$870.00} from the funds that i had left in my account, the thing is they sent it to my old address when i had already told them that i didn't live there anymore and the representative told me that he changed it on his end. i went to my old apartment to see if the people living there now had my package. they didn't answer the door so i left a note with my phone number, i never heard back from them. i then contacted XXXX to see if they had my package they told me they didn't and there was nothing that they could do about it. the next step i took was contacting citi bank again to let them know they sent it to the wrong address and that i didn't receive my check. they told me that they would sent another check out to the correct address. i've talked to multi able agents and they all have a different story each time i call. i was told that i then needed to mail out a copy of my photo id and a utility bill with my name and my new address, i mailed the information out to them twice and i still haven't receive my check we are now in XXXX, i'm currently XXXX and its been stressing me out, it shouldn't be this difficult to receive my money. Every time i ask to speak to a manger or supervisor they told me it's not one available and they an do a call back. i have never received a call back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77355
Submitted Via: Web
Date Sent: 2022-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-08
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XXXX XXXX XXXX XXXX XXXX I tried using my Citibank Debit Card in XXXX, New Jersey and also in XXXX, New York to make a purchase and both times my card was declined. Thinking that it may have been a problem with the machines and with my intent to contact Citibank, I used another card for my purchase. .On XX/XX/XXXX at XXXX a text was sent to me from Citibank ( Verification unit ) informing me that my debit Card was locked due to suspicious transactions. I was asked to verify my identity XXXX XXXX XXXX to unlock my card. On XX/XX/XXXX I received a call from Citibank at XXXX from XXXX it was a bad connection on the line so they called again from XXXX verifying whether I did a transaction for XXXXafter saying No, I immediately enquired of the customer service person whether that was the reason my card was locked and also I did not make any transactions or withdrawals so wanted to know what was going on with my account. We were on the phone for 16 minutes, after which the Customer Service Agent informed me that there was fraudulent activity on my card and transferred me to the Fraud Department. The XXXX Department Agent then asked me did I make a wire transfer of {$44.00} and I immediately told him NO the fraud agent then said to me, that I'm a victim of fraud and that my account is locked and instructed me to go to Citibank and to start a new account, As I work out of state it was not possible for me to go and open the account until XX/XX/XXXX at the XXXX branch I spoke with Personal Banker XXXX XXXX XXXX ID : XXXX, she asked me for my credentials, ID, SS, and debit card, and proceeded to look up my account and confirmed to me it was locked due to fraudulent activity, as the agent proceeded to look into my account she, however notified me that my funds were still there in my saving ( {$45000.00} ) and my checking ( {$3500.00} ) and then proceeded with the opening of the new account The agent then gave me a new account folder with a temporary debit card. When I left Citibank I was under the impression that everything was handled, as far as the fraud situation. On Sunday XX/XX/XXXX, and I'm shopping at keyfood, and try to use my temporary citibank debit card and the screen say insufficient funds. I returned to Citibank on Monday, XX/XX/ to notify the banker XXXX XXXX XXXX, and she was not there so I spoke with her colleague XXXX XXXX XXXX and asked him did he remember me from Saturday and he said yes so I proceeded to explain my situation with my new citibank temporary card that wasn't working, he then takes a look at my account and said she ( XXXX XXXX ) didnt do the transfer to my new account correctly and proceeded to complete the transfer to my new account. After completing the transfer to my new account, the Personal Banker XXXX XXXX XXXX gave me a receipt with {$530.00} in my saving account I then informed him, that the amount was incorrect. XXXX XXXX XXXX ) then say to me oh so they did get the money, I said how when I was told my account was locked since XXXX XXXX XXXX XXXX XXXX then informed me that an investigation is being done and it will take three to four weeks to complete. After three weeks I went to the XXXX branch to get the status as I did not see my account reimbursed, I spoke to XXXX XXXX XXXX who made a phone call to someone in the fraud department, and the person then told me to go to XXXX to change my phone chip, because my phone may be compromised, and the fraud person on the phone also said to delete my citibank app off my phone and stated thats how they got to my account, I then waited to see what to do next, XXXX XXXX then gave me his card and stated there will be an investigation and I would be contacted, by phone or email, I then left citibank and went to XXXX to change my phone chip like I was instructed to do. When I contacted Citibanks Fraud Department again they told me my claim had been denied, I asked how and on what grounds and they told me Negligence. I am at a lost as to what I neglected to do to lose {$44000.00} hard earned money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11233
Submitted Via: Web
Date Sent: 2022-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-08
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I got a large inheritance in 2 parts. One was in XXXX and one was on XX/XX/XXXX. The forst one everything went ok and when i came with the cashiers check this time for XXXX us dollars it was cleared in one day. Which bring me to today. Checked the app in the morning, check was cleared, went to citibank in XXXX florida and when i got to the teller i asked him for 3 cashiers checks so i could transfer money to my other 3 bank accounts and the 3rd small one for my brother to help him out. The first one was for XXXX for my brother and everything was cool. The second was for XXXX in my name for my XXXX XXXX account and also everything was ok. The 2 cashiers checks were made and i had them in my hand. He was trying to do the 3rd one for XXXX to put in my name for my XXXX XXXX XXXX account and all of a sudden he said im sorry i have to call to get an ok for this one because its large. He made me wait 5 minutes, came back after 20 minutes and took the 2 chevks that were already made out if my hand and said im sorry were closing your account with no other information. I demanded a manager but they wouldn't send one out. This is a citigold account where theyre supposed to treat you better. They said call customer service to get answers. Now im not living in the states full time, i came specially to get this inheritance, i leave back to my country on monday ( 4 days ) now i dont have any access to my money with no warning and no answers. When i called customer service, same thing. No answer, ill get a letter in the mail in XXXX business days but i wont be here. And about the money ( XXXX ) i wont get itbfor up to XXXX business days. I wont be here. This is disgusting behavior. I did nothing fraudulent and have all the paperwork to prove everything. Even had the trustee call but no one will listen, no one will give any answers. Now im stuck with no access to my money or the money i had in the account before this check and no answers. How can they just do that with no warnings??? At least give me my funds so i can live. This is not a few buck and the cashiers check that i depsoited yesterday cleared. Now ill have to waste thousnads of dollars coming back whenever they do releaze the funds and take a loan in order to survive. Both of which i can not do. I have a business to run and am trying to build my credit. THIS IS SO MESSED UP. I NEED ANSWERS. CAN I TAKE A LAWYER???
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33162
Submitted Via: Web
Date Sent: 2022-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A