Date Received: 2024-01-27
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: After XXXX XXXX reported to me that a credit card account was opened with CBNA Wayfair/Mastercard by me ( which i did not do ), I called CBNA wayfair/mastercard and verified that someone committed fraud and opened an account in my name and used my social security number. They confirmed that the address was not mine nor was the phone number that was given to open the account. They immediately closed that account before the fraudsters were able to use it. There was no balance due. XXXX!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 324XX
Submitted Via: Web
Date Sent: 2024-01-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-27
Issue: Fraud or scam
Subissue:
Consumer Complaint: Reminder : XXXX The statement of complaint citation Identity Theft 18 U.S.C. Section 1028A, treasury sales promoter 's fraud on contracts, and the financial statement arrangement disclosures ; allocation name reportable, the descriptions, Excise Exempt Property 28 U.S.C. Section 791, 12 C.F.R. Part 360 reportable periods, Salaried Income Tax Refund 1040 transactions purpose means, depositing schedules, withdrawals, transfers between accounts, exchange of currencies, loans, extension of credits, purchases or sales of any stocks, bond securities, share certificates, or registered monetary instruments, or investment securities, or any other payments, transfers, or deliveries by, through, or to the financial institution ownership selected by whatever means. Notice of Creditor 15 U.S.C. Section 1635 Transaction Rescission Rights :
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: 2024-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-27
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: on XX/XX/year> at around XXXX, I went to check out on the XXXX XXXX website to purchase a flight to XXXX. While in checkout I received a promotional advertisement to lower the cost of the flight i was checking out with by {$400.00} if I applied for the AAdvantage Citi Card. I applied, and immediately received an approval e-mail that had the last four digits of my account on it but not any way to apply it to the checkout. I called XXXX XXXX and they said it was a Citi issue, and they would probably issue me a temporary card I could use to check out with ( and that would come in 24-48hours ) I called Citi and they said the promotion only works once the card is received in 7-10 business days. I asked if they could give me my temporary card, and they said that would have a limit of {$500.00} on it and would not count towards the promotional credit. I asked if they could give me my full account number, and they said they could not because it was just created and will take 7-10 business days to complete. Citi told me the best option was to wait for the credit card to come in the mail in 7-10 business days and then buy the flight. In 7-10 business days that flight will not be the same price as the advertised promotion I applied for. I even did checkout 20minutes after and the price was completely different. Having the promotion at checkout and advertising that applying for the card will save me money on the current flight is false. The terms and conditions when applying say in the {$400.00} statement credit promotion : " If instantly authorized, credit cardmembers will receive temporary account information and a temporary minimum credit limit. This temporary account information can be used during payment for the current eligible XXXX XXXX purchases at time of checkout to receive the statement credit. " I was instantly authorized. I did not receive the temp account info and I could not use it during payment for the current eligible XXXX XXXX purchases at time of checkout. This is false advertising.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91504
Submitted Via: Web
Date Sent: 2024-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-27
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: Returned items to XXXX and was not issued a refund. Contacted Citi regarding this issue and sent proof items were returned to XXXX but citi refused to issue a refund and cited I didn't respond to the merchant 's claim on time. They closed my case and refused to reopen it. I sent them the appropriate information on time by the requested due date.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90220
Submitted Via: Web
Date Sent: 2024-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-26
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: From XX/XX/XXXX to today, the following accounts were closed by the creditors because of information they received from XXXX. XXXX XXXX - never late XXXX- not late was late in the past, and this came off my records Wayfair - never late XXXX XXXX - never late XXXX XXXX - never late I called each creditor and was told that my cards were closed because of information they received from XXXX. I called XXXX and was told they could not provide me with any information and that I needed to file a dispute. I filed a dispute and have not heard anything from them, but in the meantime, more accounts are closed. My credit reports with all three credit bureaus are frozen. My payment credit history is good. I need my accounts to be re-opened. .
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11411
Submitted Via: Web
Date Sent: 2024-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-26
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/XXXX, I arrived in the XXXX for a vacation trip and I needed to check my CitiBank account statement online to view how much income I had in my checking account. Prior to arriving, I was able to view my statements online on XX/XX/XXXX via Citibank APP. I received an error saying a new card was to be shipped to my address, however it worried me because I did not request a new card. On XX/XX/XXXX I called my mother in XXXX XXXX to check if the card had arrived at the house and she replied that it did not. As I was low on funds in another country, and I needed to withdraw money at a local ATM- I called Citibank customer service at XXXX. I have had my Citibank Priority account for over 15 years and this has never been an issue. The customer service representative upon checking the status of my account informed me that Citibank has arbritrarily decided to close my account and that no further details were provided. The customer representative then further informed me that it was the back off Security department 's decision to close the account as there was no longer a need for the relationship. She further commented that because the account is close, they will withold and keep my entire savings and checking account. At this point I panicked as I had over {$15000.00} saved in the account and the account was tied with my Direct Deposit for my employer. The day I had called was my salary day and I needed the money to pay for my wifes Hospital bills because she is XXXX. I asked to speak with a manager and the customer service refused, I threatened law suit and that is a recorded line and I am requesting to escalate to a manger. The representative then connected me to a supervisor who further explained that the bank decided to close the account and that nothing can be done at this point for me to withdraw my funds. I have a pregant wife who is XXXX XXXX XXXX and this is the only source of my funds, I need assistance to get my money back which I have saved and earned to help pay and support for the medical bills. Please assist as I am in panic overseas.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90006
Submitted Via: Web
Date Sent: 2024-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-26
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I asked for contract with my signature on due to me not having any relationships with these creditors
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77008
Submitted Via: Web
Date Sent: 2024-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-26
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I was a victim of a XXXX XXXX XXXX XXXX scam on XX/XX/XXXX. I was convinced by an imposter, posing as a Citibank fraud investigator to XXXX {$2500.00}, in 4 amounts, to a Citibank investigation number, which turned out to be a phone number in the XXXX. Citibank has declined to reimburse me, despite being a 27 year loyal customer AND all the changes in XXXX policies that were instituted in XXXX. These changes were in response to a congressional oversight investigation, led by Senator XXXX XXXX. XXXX XXXX has been after the 7 large banks that own XXXX to reimburse their customers of imposter fraud, and in a report from XX/XX/XXXX accused the banks of breaking their promises to their customers and potentially violating federal law by not refunding victims of rampant fraud and theft on XXXX. I have reported the fraud to Citibank, and am on my second appeal, after 2 denials for reimbursement. Further, as I am XXXX XXXX XXXX XXXX, this is now considered XXXX abuse/fraud. I hope and pray the CFPB can assist me in being reimbursed. This is causing my family considerable financial hardship. I am feeling first violated by the imposter and secondly violated by Citibanks refusal to help me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92543
Submitted Via: Web
Date Sent: 2024-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-26
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: In XXXX of this year, I purchased a laptop computer from Best Buy and utilized your credit card service for installment payments with zero interest charges. I made timely payments for the first two installments, as evidenced by the enclosed documents dated XX/XX/XXXX and XX/XX/year>. However, unknowingly, these payments were directed towards my old Best Buy account. Upon being informed of the mistake, I contacted Best Buy, and their representative attempted to transfer the payments to my current account, number ending XXXX Unfortunately, due to system limitations, they were unable to process the transfer and instead issued a refund check to me for the total amount of {$110.00}, dated XX/XX/year>. Subsequently, I promptly reissued the payment to the correct account on XX/XX/year>, in the same amount. I was explicitly assured by Best Buy representatives that this incident would not impact my credit rating due to the error being rectified. However, to my dismay, I observed my credit report drastically decline from XXXX to XXXX following the reporting of two delinquencies Best Buy Upon contacting Best Buy again, I was informed that they were unable to rectify the information provided to the credit reporting agencies, despite assurances of resolution within 40 days. The subsequent letter received on XX/XX/XXXX was equally disheartening, confirming the inability to amend the reported data. Enclosed are all necessary documents, including copies of the refund check, subsequent payment, and evidence of the initial timely payments, to support my appeal. This discrepancy has adversely affected my career prospects, impeding my ability to secure employment in an industry where I have accumulated over 30 years of experience. I urge you to help rectify this grave error promptly and restore my credit to its prior standing before this unfortunate incident. I implore for corrective action to be taken swiftly to alleviate the unjust ramifications on my credit rating, as I am striving to resolve this issue amicably without resorting to legal involvement.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02169
Submitted Via: Web
Date Sent: 2024-01-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-26
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Why did Citi credit card report delinquent for the month of XXXX and XX/XX/2023 to the three credit bureaus after telling me XXXX your account is being placed on hold until after the fraudulent charge is resolved.You also do have to make payments towards your account until its resolved However, I was never notified nor received any response stating my investigation was complete, yet they reported fraudulent delinquent information. Im asking that the fraudulent information be investigated, and removed of my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44105
Submitted Via: Web
Date Sent: 2024-01-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A