Date Received: 2024-01-16
Issue: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: My information was sold and bought illegally because I was a victim of XXXX data breach. I want these items deleted from my credit reports effectively immediatelyXXXX CITICARDS CBNA XXXX {$2400.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-15
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: My name is XXXX XXXX, and I have been a Citi credit card customer for more than 8 years. Citi Bank closed five of my Citi credit card accounts ( Citi Premier, Citi Reward Plus, Citi Costco, Citi Double Cash, and Citi XXXX XXXXXXXX ) at the end of XX/XX/2023, after I filed a billing dispute for XXXX on XX/XX/2023, for the online order I placed on XX/XX/2023, of total {$76.00}. The reason for my dispute is I returned the full order at XXXX 's store on XX/XX/2023, and received the order return confirmation email, but I have not received the refund on my Citi double cash credit card, after several communications. Citi closed all my credit cards because there was misrepresentation information about my disputes. The disputes related to this are XXXX and XXXX, which all favor my side on XX/XX/2023 after your investigation, after I provided the evidence ( attached for your reference ). I dont understand why you said I provided you with misrepresentation information for disputes as everything I did is true. I know there were a few XXXX disputes that happened in early XXXX, thats because my XXXX account had a technical issue and it lost track of all my XXXX returns without my awareness, so I never got the refunds for my XXXX returns and thats why I file disputes for not receiving the refunds after return, but I have never been asked to provide the evidence from Citi bank, otherwise I could send you the return tracking information and explained what's going on. I always follow your dispute guidelines and I think it is unethical to close all my credit card accounts without prior communication and the reason for closing my account is untenable ( If I provided misrepresentation information for dispute why do you favor my side after several months of investigation? ). I would hope you can reconsider my case and reopen my credit card accounts. Thank you so much!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10036
Submitted Via: Web
Date Sent: 2024-01-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-15
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: My name is XXXX XXXX my Macey s American express account is XXXX last four of social XXXX date of birth XXXX XXXX address XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ny XXXX my complaint is that I'm trying to get a emergency increase on my card to XXXX or XXXX XXXX limit from my XXXX limit reason is that my furniture and items were damaged in a flood. Can you please ask the wonderful people at maceys if they can increased my limit to a higher amount thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10303
Submitted Via: Web
Date Sent: 2024-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-14
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I am writing to address a concern regarding a late payment entry on my Macy 's credit card account, specifically related to the period during the COVID-19 pandemic. I believe that this late payment is subject to the protections outlined in the CARES Act.It has come to my attention that a late payment entry has been reported on my credit report, and I would like to request the removal of this entry. My understanding is that, under the CARES Act, if a consumer makes an arrangement with the creditor and fulfills that agreement, the creditor is generally not supposed to report the account as delinquent. I kindly request Macy 's consideration in removing the late payment entry as a gesture of goodwill. I am committed to maintaining a positive credit history, and the circumstances surrounding this late payment were beyond my control. The creditor has refused to remove the late payment after contacting them several times.Uploaded is the bank statement that shows payment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48212
Submitted Via: Web
Date Sent: 2024-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-14
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: Please refer to cases # XXXX XXXX XXXX which you closed based on inaccurate information from Citibank. I find it hard to believe that when a consumer makes a complaint, CFPB automatically believes what it is told by the offending company. I am making one more attempt before initiating a lawsuit against Citibank. Briefly, an unknown and unauthorized person made multiple charges to my Citibank card on XX/XX/XXXX, which I promptly disputed. XXXX of these charges were honored before Citibank acted to deny the remainder. I subsequently received XXXX packages I had not ordered and promptly returned them to the senders unopened. Despite numerous detailed letters to Citibank, several extremely frustrating phone conversations during which I was verbally abused, and repeated communications with the XXXX retailers, one of the four charges remained on my account. I closed my Citibank account a week after the event, but they claim they closed the account in XXXX of XXXX. They inaccurately reported to credit reporting agencies that I was delinquent in my payments, whereas I had paid everything I owed at the time I closed the account. This has negatively affected my credit. They " charged off '' what they claimed I owed, and now I am being pursued by a collection agency. The incident has had a serious effect on my physical and mental health, and over XXXX months later it remains unresolved. After some difficulty, I was able to identify which of the XXXX retailers ( XXXX ) had not informed Citibank that the products I had not ordered had been returned to them untouched. They informed me that their fraud department would take care of the issue, but I eventually received communication from Citibank stating that nothing had changed. In addition, on XX/XX/XXXX, an unknown person applied for and actually received a credit card from Citibank using some of my personal information. This was verified during a conference call involving Citibank, an XXXX fraud XXXX, my husband, and myself. Yet, shortly thereafter, I received a letter from Citibank claiming that it was I who had applied for and received the new account. The letter referenced the number of the account that had already been closed. I have reached the end of my tether with this company, which clearly cares nothing for its customers or -- more significantly -- the truth. I am asking CFPB for a REAL investigation, not XXXX where it just asks the company whether what the consumer says is true and then sides with the company when the company says the consumer is lying.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ME
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-13
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I went to a bank in XXXX NY and made a deposit of {$820.00} on XX/XX/XXXX. When I inserted my card the machine refused it and again I tried. When I checked the balance online it showed a deposit of XXXX. I contacted the bank and advised of the situation, providing all of the info of time and place and was told that the bank would research and within XXXX days deposit the missing balance. I contacted the bank on XX/XX/XXXX and was told there was no discrepancy. I was then told I needed to provide the receipt which I did not receive. Please assist that in correcting this deposit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30093
Submitted Via: Web
Date Sent: 2024-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-13
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Hello, I have a new Citi XXXX XXXX XXXX credit card. On the XXXX website, they advertise that the XXXX for this card will be 21.24 % XXXX % *based on credit worthiness*. I have " very good '' credit ( as categorized by XXXX, the company this card uses to check credit worthiness ), so I was alarmed when they assigned the highest rate -- 29.99 % as my introductory XXXX. According to the paperwork Citi sent me with my new card, my XXXX XXXX ( XXXX ) was XXXX at the time the card was issued ( in XX/XX/ ), and according to the Citi website, my credit score is XXXX as of today ( XX/XX/ ). Additionally, on my statement, Citi identifies 29.99 % as their " XXXX XXXX ''. I called their XXXX number today, and the first representative I spoke with said the only XXXX option available in his system is 29.99 %, so while he understood the reasoning for my concern, he was unable to offer me a better XXXX. I asked to speak with his supervisor, who told me that he was unable to explain why " the computer '' had set my XXXX at 29.99 % and there is no one above him who I could talk to about this. There are XXXX parts to my complaint : ( XXXX ) it appears that Citi is not actually offering the range of interest rates that they advertise for this card. If someone who has " very good '' credit isn't getting at least a slightly better rate than the " XXXX XXXX '', is their advertising honest? And ( XXXX ) If a customer has a concern about the rate they are being charged, it appears that they have no recourse, as the chain of command ends with someone who says there is nothing he can do because a computer makes decisions about rates. On this note, I found it concerning that when I mentioned that a human must be programming the computer, he told me I should not jump to conclusions like that.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32803
Submitted Via: Web
Date Sent: 2024-01-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-13
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I opened a new Citibank account on XX/XX/2023 with a {XXXX bonus offer. I called the customer services in XXXX to see when I would receive the bonus. The bonus never posted.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19143
Submitted Via: Web
Date Sent: 2024-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-13
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: It has been about two months since I have sent Citibank a debt validation notice to which they have not responded with any of the items that I have requested in order for me to verify the debt. They continue to harm my reputation without providing evidence of such debt. This violates the fair debt collection practice act. I requested them to send me both 1. ) A copy of the contract bearing my signature. 2. ) All billing statements regarding the account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 187XX
Submitted Via: Web
Date Sent: 2024-01-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-13
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: This is my response to CFPB Complaint XXXX This is NOT Citibank but the theft who is responding to my complaint which states that " NO PROBLEM WAS DONE OR HARM WAS DONE OR COMMITTED WHEN OPENING A " VISA CREDIT CARD ACCOUNT WITH CITIBANK '' in names other than what is on my State Issued Identification Card/DRIVERS LICENSE & inquiry submitted on XX/XX/XXXX. The harm was done when Hard Inquiries were placed on my Credit File before & after XX/XX/XXXX by those employed bu the company. I didn't apply for a Citibank Credit Card from CITIBANK, THE BANK because I don't use or need credit with any bank, directly! I never asked or called Citibank this day for a " REVALUATION or RECONSIDERATION of the BEST BUY STORE CARD I applied. The employee lied to say I wasn't approved for the store card. I questioned the fact of how & why when I knew my credit scores & I knew exactly what was on my credit reports from EACH credit bureau. I NEVER ask him to place a call from his desk in his store where he worked. The problem is WHY would I need to be reconsidered for a store card when I know I'm credit worthy? Another problem is my name isn't XXXX & could never be used as my name to apply for a line of credit with any company or bank. Since when has The Secretary of State taken documents that's doesn't show & prove your GOVERNMENT NAME? This is the only way you'll receive a Driver 's License and State ID & these PICTURE ID 'S are the ONLY method any company will provide a line of credit to you. This is not my name nor it that my signature on the FALSE application. Whatever was done was done with MALICE & INTENT TO FRAUD. Nothing about my personal information changed or annual salary had changed so WHY would the employee say I was denied credit for the store card to me being instantly approved within 2 minutes when I disputed the denial in the beginning. This was done using Deceptive Business Practices by the employee. I NEVER asked for a Platinum Visa Credit Card with Citibank. On XX/XX/XXXX, I called the number XXXX & spoke to quite a few people because different accounts under BEST BUY/CBNA & CBNA ( alone account ) was being reported on my credit accounts. I found in XXXX that this CBNA account was reported to be opened on XX/XX/XXXX & CLOSED XX/XX/XXXX. I had not visited Best Buy Store Location nor had I applied applied for a store card with Best Buy on XX/XX/XXXX so WHY was this account added to my XXXX Credit File & Credit Report? This is absolute FRAUD! My credit reports were LOCKED as I had Credit Monitoring for years prior & would have alerted me in XXXX had if this were a true inquiry. This account was put in my credit file on XX/XX/XXXX when I unlocked my credit to apply for the Store Card which shows it's not credible or accurate! This account was added as " AKA '' with the name showing 4 of the seveXXXX letters of my full name being reported on this account. Whoever reported this CBNA account added it to the BEST BUY Store Card on XX/XX/XXXX to my XXXX XXXX XXXX also ( 16 DAYS AFTER XX/XX/XXXX ) which then showed as a COMBINED account ( Best Buy/CBNA ) on ALL Credit XXXX XXXX XXXX XXXX This CBNA ( alone ) account was added to my XXXX Credit File on XX/XX/XXXX ( 11 DAYS AFTER XX/XX/XXXX ). An " XXXX '' was also added to my XXXX XXXX XXXX for XX/XX/XXXX. The Application does NOT show CITIBANK ( THE BANK ) as an OPEN LINE OF CREDIT ( VISA ) as being part of the application which is suppose to have my signature. This is not my name nor my signature on this fraud application. The CBNA account was ADDED 11 to 16 days AFTER XX/XX/XXXX. Also the accounts are shown to have far too many hard inquires reported to the supposed " 1 '' account with far too many different addresses & opening/closing dates. The locations reported are PERMANENTLY CLOSED locations while only providing ONE contact number & that directed to BEST BUY CARDMEMBER SERVICES. Even the addresses that's was provided as Contacts on each credit report and Annual Credit Report for the Credit Bureaus were FALSE! ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL, & XXXX XXXX XXXX, XXXX XXXX, SD. Had this been a true & accurate account, there'd been only " 1 '' address reported to every credit report for the Best Buy Store Card Account ( no CBNA added WEEKS later after the account established on XX/XX/XXXX ), my true & correct & FULL name as it is written on my State Issued Identification ( not a NICKNAME ), & the unecessary & FALSE updates to XXXX XXXX XXXX XXXX reports to secure the legitimacy of the Fraud accounts as being factual & true ( which is false & fraud ). I also received a Best Buy Statement which has the Cards ( I received ) as showing the Statement Account Number IDENTICALLY MATCHING the Card Number which is total FRAUD. Each account reported using different names in each credit bureau shows several different account numbers some 16 digits ( some digits are hidden with " x '' to mask which is I understand ), while other account numbers being reported having only " 12 '' digits. Either way, the only reason any Company would report any accounts as this one has been reported would be for the use of FRAUD, whether now or in the future. Those employed by Best Buy INITIATED the fraud by lying & placing a call from his phone to whoever he works with, INTERNALLY. This is a FRAUDULENT account & this was actually a " BEST BUY STORE CARD ( only used in store locations ) made to imitate a " Citibank Credit Card ( Visa to be used anywhere ) done on behalf of the thief working in the Card Processing Center ). Last, had this been an honest & factual account, there'd be no need to remove any of the accounts that was reported as Best Buy & CBNA. For the record, my name was reported " 3 '' different ways using 3 different spellings ( AKA & ALIAS ) under each accounts & reported to all 3 credit bureaus which shows it actually does matter how my name is used, spelled and reported. I would hope the thieves would know better than to think they can do whatever they please while reporting whatever they choose using my own personal information only to REMOVE the same Fraudulent & NON CONSENSUAL accounts they reported without having to face CONSEQUENCES by breaking Federal Laws. The Credit Bureaus must answer for their actions too as ALL worked together against me, THE CONSUMER. I have rights & those rights were Violated. See your company in court!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 600XX
Submitted Via: Web
Date Sent: 2024-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A