Date Received: 2022-12-03
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My son is a minor who has a credit report through XXXX. When I investigated this, I found that one of my credit cards through XXXX XXXX is attached to both his and my social security numbers. This change was done in XX/XX/2022, though no action was taken by me at this point, nor does his name show as an authorized user of the card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06437
Submitted Via: Web
Date Sent: 2022-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-03
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I applied for a store credit card. My credit was preciously frozen. I informed customer service I would unfreeze my credit and be back. I received a text via phone asking that I unfreeze my XXXX to process the application. I was given a reference number via text ( XXXX ). I went to Best Buy and the associate was given a valid California ID., and I verified my information. On yearly income, i put XXXX... I can prove my income as XXXX XXXXXXXX XXXX XXXX XXXX XXXX.. The associate called a third party and I was placed on the phone with an employee from citicards which grants or denies credit. I was asked for a valid phone number so he could send a text to my phone.. He then went on to state that he couldnt text to my phone going on that it had to be a US number ... My number is area code XXXX which is XXXX XXXX I had received a text from that company so I knew he was lying to refuse me credit..My credit score is XXXX which is excellent!. I asked what was the problem..He stated that my social security might be stolen and I might be using a fake name... I asked for a manager and she just went along with the employee stating that they could not text my phone some type of code which is a lie because I received a reference number on my phone... It seems that they can not believe a XXXX man can have great credit and make XXXX XXXX a year! ..I was accused of stealing someone elses ID and social security number by the associate. I dont understand why the first Best Buy Associate would call a third party just because I am XXXX!. This is directly insulting and discriminatory! ..I showed the employee my ID!. I have an account with BEST BUY. I am highly upset about this situation!. I tried another way to verify my info. I offered to email them a copy of my ID. They lied and stated that they can not receive emails!. But when I got home, I got an email from them!. There was no reason to deny me credit and accuse me of stealing someones ID and or social security!.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95020
Submitted Via: Web
Date Sent: 2022-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-03
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: I consider Citibank engaging in XXXX XXXX and fraud due to my XXXX XXXX and my XXXX and this violates the my XXXX XXXX XXXX XXXX as an XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I also accuse Citibank of denying me benefits ordered by the XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXIn XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I just had XXXX and go back to work in XXXX XXXX. I asked Citibank for all XXXX cards for payment delay till XXXX. XXXX. I asked Citibank for a payment delay due to a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Order requesting all financial services companies give the victims a XXXX XXXX window to recover and not be charged late fees and start payments in XXXX. attached is the Order XXXX signed on XXXXXXXX XXXX XXXX XXXX XXXX XXXX signed XXXX XXXX XXXX XXXXXXXX XXXXXXXX requesting similar disaster courtesy due to XXXX and to allow victims to delay their payments to financial institutions for a limited time. attached Order. 4. I have a Goodyear credit card # XXXX serviced by Citibank. I called them and asked for the XXXX XXXX delay and waiver of my late fees. They said there is no XXXX XXXX notice anywhere. So I know they are lying because they admitted they provided this courtesy to all of the XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 5. I have two Home Depot CC ending in XXXX and XXXX also serviced by Citibank. and asked for similar abatement for XXXX XXXX, They said there is no XXXX order stating there is a disaster! 6. I have a Brand Source CC with XXXX balance on it that I tried to use to buy a stove and frig for our home. Citibank serviced that card and stated that they closed it because I waited too long to use it. This is an emergency and there is no reason to close this account that I maintained for many XXXX and paid off promptly.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 14226
Submitted Via: Web
Date Sent: 2022-12-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-03
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My previous complaint concerning a fraud claim ( # XXXX ) has been denied by Citibank. I acknowledge responsibility for authorizing the wire transaction in question ( manipulated by the scammer ). However, Citibank 's response does not address my complaint about the bank 's responsibility for their own negligence, as follows : 1 ) Realizing my mistake, I called Citi 's customer service line just about XXXX hours after the wire was sent ( Friday, XX/XX/XXXX, around XXXX or XXXX ). The service agent recognized this particular scam; said the money had been debited from my account ( though there was not a credit in that amount, as the scammer had " showed '' me ), but that that didnt mean it had yet been released by the XXXX XXXX bank, so there was still a chance for intervention ; and that the bank would check with the police before releasing it, so I should file a report with the police in the jurisdiction where the wire was sent; placed a hold on my accounts ; and " escalated '' my report to their fraud department. XXXX ) However, the Citi XXXX department is closed on weekends ; there would be no one available with whom I could follow up until Monday at XXXX XXXX. XXXX ) I filed the police report as suggested, and also reported the incident to the FBI and the FTC. XXXX ) Sometime during many hours of phone contact with Citi on Monday I was informed that the funds had now been released from the recipient bank, and that Citi had sent a message to that bank, which would ask that the account holder return the money. This seemed to me a ridiculously futile effort, as the account holder was obviously part of the fraud. XXXX ) I received a form letter dated XX/XX/XXXX ( " Your Photocopy Request '' -- I had not requested a photocopy ) thanking me for my " inquiry '' and attaching a copy of a " wire transfer receipt '' dated XX/XX/XXXX, with the details of the " still pending '' transfer request. ( The wire transfer receipt, which I had not previously received, does stipulate that a wire request can be cancelled within XXXX minutes, but there seems to be no provision in case of fraud. ) XXXX ) It took phone calls to multiple Citibank departments ( fraud, opening/closing accounts, funds transfer ) and several different explanations before the funds were transferred from my blocked accounts to my new accounts. I had been informed on XX/XX/XXXX that those had been set up but not yet funded. In all I was for about ten days unable to access my funds until the transfer was effected. In sum, Citibank appears to have few to zero safeguards for their clients in such a situation. They first failed to see any red flags in the account of a very long-term client suddenly authorizing an unprecedented international wire transfer for a very large sum ; then had no one available to act on a fraud report for over XXXX days, thus missing a crucial window for intervention ; and then left me for a long time with no access to my remaining funds. This is not customer service, much less consumer protection!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11372
Submitted Via: Web
Date Sent: 2022-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-03
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Fraudulent charges were made on my Citibank credit card on XXXX XX/XX/14 of this year. I was out of town at the time over 100 miles away and did not make the charges. The credit card was locked in a drawer downstairs. Citibank refused to refund the charges after the dispute because the charge was made in person in my city, and ghosted me after I submitted ( both via mail and email ) a dispute to the resolution of the case. Attached relevant statement. I can also provide evidence I was not anywhere near home when the charges occurred.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48103
Submitted Via: Web
Date Sent: 2022-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-03
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: In XXXX of 2022, was denied credit by Citibank when I applied for a Citi Premier credit card. I have proof that I was discriminated against by Citibank due to the response I received about my credit worthiness dated XX/XX/2022, and XX/XX/2022. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C. 1692k. Citibank is in violation of 15 U.S.C. 1641, 15 U.S.C. 1681m, and 12 CFR 1002 because I, the consumer made an application in good faith, but credit was not issued. Furthermore, because my social security number ( credit card ) was used, and I received NO benefit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32605
Submitted Via: Web
Date Sent: 2022-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-04
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Hard credit inquiry on my credit reports on XX/XX/22. I did not give them permission to run my credit, and my credit score has gone down. I want this removed and for the company to provide me with how they obtained my personal information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91761
Submitted Via: Web
Date Sent: 2023-02-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-04
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Ive been trying to get an access code numerous times and I mean numerous times to verify my identity! This situation has put me into a bind im already about to lose my vehicle that I just purchased! I think that they are keeping my money XXXX I think that is unfair and I think its literally ridiculous how their representatives speak to people! when I open the account that was my verify phone number and all of a sudden they started declining my transactions declining my funds and literally ignoring my calls!! To where they would just hang up on me I think theres an active stupidity and ignorance and I hope that you guys can help with the situation and expedite my account to be open so I can use my funds! If this is not resolved I will be forced to close my account!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77057
Submitted Via: Web
Date Sent: 2022-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-04
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I do not recall any of these inquiries to below and had already filed an identity theft report. CITI CARDS CBNA, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, XXXX CITI CARDS XXXX Banking XXXX XXXX XXXX XXXX XXXX XXXX Banking XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94608
Submitted Via: Web
Date Sent: 2022-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-03
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: I applied for and was approved for a Home Depot credit card for {$500.00}. I had used this account in store and used my social security number and drivers license for {$100.00}. After XXXX weeks I received a text message saying my card was returned and I had to call. I have called multiple times and even made a payment as I dont want to ruin my credit. Every time I call I get the same message saying we will call and verify you or send you a letter. Never once have I received a call or letter even after verifying my correct address. At this point I do not no a payment date or amount to payoff and close this account. This is through Citi bank
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85541
Submitted Via: Web
Date Sent: 2022-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A