Date Received: 2024-01-26
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: I moved to another house and I never received any notification or email from Macys and they said I was missing couple of months payment then had me pay over {$350.00} in interest without getting back to me to ask for my new address or send me any notification
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 191XX
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: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I noticed two fraudulent charges made in XXXX CA which I did not make nor authorize. My bank Citi bank refunded one for XXXX dollars but not the other for XXXX. That in of itself made no sense.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-26
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act BEST BUY/CBNA USA has violated my rights with Account # ending in XXXX. 15 USC 1681 Section 602 states that I have the right to privacy. 15 USC 1681 Section 604 ( A ) Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. According to 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: GA
Zip: 30294
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: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act BEST BUT/CBNA has violated my rights with Account # XXXX. 15 USC 1681 Section 602 states that I have the right to privacy. 15 USC 1681 Section 604 ( A ) Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. According to 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: GA
Zip: 30294
Submitted Via: Web
Date Sent: 2024-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-25
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: I received defective furniture and Citibank is not allowing a charge back and is holding me fully liable for the purchase and I disputed within 60 days of purchase,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20003
Submitted Via: Web
Date Sent: 2024-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-25
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: XXXX XXXX personal loan, I dont know how to get it off my credit score. There is no amount due
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 31548
Submitted Via: Web
Date Sent: 2024-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-25
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: Now XXXX XXXX is not reporting my Citibank account. They tell me that it was deleted as a result of the complaint against XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 937XX
Submitted Via: Web
Date Sent: 2024-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-25
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Earlier this month I submitted a claim by phone to Citi for a fraudulent purchase made using my Citi Double Cash Card account. The purchase was made on XX/XX/2024 in the amount of {$3200.00} at XXXX XXXX # XXXX in XXXX XXXX, NY. At the time I reported the claim, the Citi representative who was assisting me on the phone asked me if I still had the card in my possession. I responded that I did because I honestly believed I did still have it. I knew I had not dropped the card ; my wallet had not been stolen ; my pocket hadnt been picked, and I had no recollection of doing anything that would have caused me to lose the card. It was not until a few days later, when I went to use the card, that I realized I did not in fact have it. I then reported this by phone to another Citi representative and told her that I had been mistaken earlier when I said I still had the card. I asked her to note this in her records and she told me she had done that. I have now learned that my claim was denied because, since it appears that an individual had my physical card when they made the purchase at the XXXX XXXX, that I am presumed to be that individual. This is completely unjust. The additional information I provided to the second Citibank representative was completely disregarded. I am now told that I must pay the amount of {$3200.00}. I have had accounts at Citibank for over 20 years. I currently have two checking accounts, two credit cards and a debit card with Citibank. Over the years, I have had a mortgage with Citibank and two Citibank XXXX XXXX loans which I have fully repaid. I have been an honest, loyal Citibank customer for over two decades. I expect Citibank to believe me when I say I made a mistake in thinking I still possessed the card in question.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11361
Submitted Via: Web
Date Sent: 2024-01-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-25
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I was called by CitiBank on XX/XX/XXXX and told I had some charges to my account that they wanted to verify that I had made. There were XXXX charges totaling {$4600.00}. I told them I had not made any of the charges. They said they would lock my account and take care of the charges and send me a new card. ( This took over an hour on the phone ). The representative called me again on XXXX and said he wanted to set me up with text notices from CitiBank as it was the best way to alert me if there were ever any more bogus charges on the account. ( This took XXXX phone calls and over an hour of my time again ). He told me he was unable to set me up with text notices ... altho while we were talking I did receive XXXX texts from CitiBank but apparently not the kind he wanted me to get. Anyhow I figured problem solved ... my new credit card will arrive by XXXX XXXX. Later on XXXX I notice XXXX more charges on my ( locked ) account that I hadn't made ... totaling {$650.00}. Also a notice on my account that I needed to call them about a fraud problem. So I called the number and the representative told me that he could not tell me anything about my account because I could not give him a verification code that I should have received by email or by text. I have never received any kind of verification code. He said I would have to wait until I got a letter in the mail with a code on it to prove that I was me before he could do anything about my account or tell me anything about my account. This is after I gave the earlier representative my phone number, account number, social security number and bank account number... .I was very uncomfortable giving him all that info. but I did it anyway. So now I await a verification code coming by mail ( 3-7 days ) so I can use my account and make sure they block the charges that posted on XX/XX/XXXX & XX/XX/XXXX. In the mean time I have received a text on XX/XX/XXXX saying that they are sending me a new card... I thought they couldn't text me?! If you XXXX " Having trouble with verification code for CitiBank '' there is a loooong thread of complaints about this same issue. I am now in the process of searching for a new credit card company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97502
Submitted Via: Web
Date Sent: 2024-01-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-25
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I received the email regarding my Citi bank Checking account closure on XXXX In the letter said that my account will be closed next 60 days, and all funds belong me will be sent by check to my mailing address. I have funds on my account about {$16000.00}. After 60 days, I contacted couple times with number that provided on the letter to Citi Bank Froud department. They didn't provide any information. Only thing they said is, that they will contact to backoffice team and find out what is going on. They have never explain the reason of closure and they haven't sent my funds. At the date of writing this letter we already passed 5 months, and I still haven't received my funds.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91205
Submitted Via: Web
Date Sent: 2024-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A