Date Received: 2024-01-10
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Yesterday XXXX and XXXX informed me of several credit inquiries on my credit report that were not me. So I am going through the process of disputing them now.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90403
Submitted Via: Web
Date Sent: 2024-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-10
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Yesterday XXXX and XXXX informed me of several credit inquiries on my credit report that were not me. So I am going through the process of disputing them now.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90403
Submitted Via: Web
Date Sent: 2024-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-10
Issue: Problem with customer service
Subissue:
Consumer Complaint: I was given a cashiers check after my mom passed away to help me with bills as Im a single mom. I deposited this check into my account along with another check. That other check was invalid and that company had to send me another check but Citibank closed my account anyways. They said theyd send the balance which would have been the entirety of the cashiers check in 90 days after the account was officially closed. I never received it. When I called they said the check was clear to cash elsewhere and when i deposited it into my other account it was kicked back saying Citibank cashed it already. Citibank cant figure out where my money is or why I cant use the cashiers check. Ive spent hours and hours on hold waiting for calls calling back its been over a year. I saved the cashiers check for an emergency but they have no time limit. So I didnt deposit it until XX/XX/XXXX. It was from XX/XX/XXXX when my mom passed. Its now XX/XX/XXXX and they still have not provided answers or the money or released it to be cashed elsewhere. I was told to go into their institution in XXXX XXXX. Well thats a call center. I learned that when I got there. This is money I need to support my kids. Ive been charged fees over this cashiers check Ive depended on them sending it to me yet they have no idea why I didnt receive it or where it is.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77354
Submitted Via: Web
Date Sent: 2024-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-10
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Attempted online purchase from the Government of XXXX. Card blocked. Foreign ( Non english speaking ) representatives placed me on hold and then disconnected me 3 times. Only my name was ever asked and account security word. Called back 3 times. Card was blocked - Company states that I have to wait for a letter to arrive by mail to verify my identity as all attempts to verify me have failed. No verification steps were performed nor was I asked any questions. Company flat outright lied. Company refuesed to identify what steps can be taken to unblock the account. I am willing and able to verify any information to unblock the card but they refuse to proceed with a verification process.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78045
Submitted Via: Web
Date Sent: 2024-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-10
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: This complaint is in reference to inaccurate reporting on my credit report from MACYS/CBNA. Violation of FCRA 1681s- ( 2 ) ( 5 ). The last four of account isXXXX. This account was originally opened on XX/XX/XXXX. However, on my current credit report there is no payment history from XXXX at all. I have repeatedly told Macy 's and all three credit reporting bureaus that this account and trade line is inaccurate. I have since requested statements and bills from Macy 's for all payments in XXXX and for the entire account history. Macy 's and Citibank are unable to furnish any information to me on this account because of the " age of this account ''. There are NO RECORDS that exist to date for this account. This account should not be on my credit report if the creditor can not verify/validate or provide copies of account information when asked. I was also informed by Macy 's that legally they can not collect any money on this account " due to the statue of limitations ''. Therefore, it is a violation of the law for this account to be reported on my credit report. Macy 's specifically told me that their credit/collections department is " in house only, therefore the account will not be reported on my credit report ''. 1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide " accurate information '' ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. Macy 's intentionally " failed '' to report any credit activity from XXXX, to illegally extend the negative reporting on my credit report. I have asked for statements to validate the last payment made on this account and Macy 's could not furnish this information. This is a violation of the Fair Credit Reporting Act. Due to Macy 's unlawful actions, I have been denied for credit for the past 7 years. I most recently received a denial to refinance my auto loan in XXXX. I tried to rectify this account with Macy 's, CBNA, and all three credit reporting bureaus since XXXX. Unfortunately, my attempts have been unsuccessful. Since XXXX, Macy 's has never sent any account information to me after several repeated requests. I have disputed this account several times and the credit bureaus have done " nothing '' to remedy this issue. 1681s2 ( 5 ) Duty to provide notice of delinquency of accounts A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the month and year of the commencement of the delinquency that immediately preceded the action. Macy 's is in violation of statue 1681s-2 ( 5 ) as well. I did not receive any copies of information furnished to the credit bureaus. On XX/XX/XXXX, I contacted Citibank 's Profit Loss Department ( instructed by a Macy 's customer service representative ) at XXXX and to date Citibank does not have any record of my name, SSN, or DOB. Macy 's explained to me that Citibank is " their bank '', why is this account on my credit report when Citibank has no record of my account, payment history, or personal information? Further, I contacted the phone number listed on my credit report for this account and I was directed to another department. I spoke to a customer service representative named XXXX who advised me to call XXXX. I asked to speak to a supervisor several times. I was told that there was not a supervisor available and Macy 's does not have a legal department. I was not being told the truth. I have been dealing with inflexible people from Macy 's and Citibank who will not and can not assist me in this matter. The information Macy 's is reporting to the credit bureau with account number ending in XXXX is not accurate this trade line is a violation of the law for the past 7 years. This has caused emotional and financial damage to my credit history, credit score, and creditworthiness. I have been receiving some of the worst credit card offers and astronomically high interest rates on credit cards and loans. Macy 's has offered NO recourse of action to rectify this problem within the past 7 years. Error # 2, on my credit report this account is written as a " charge off '', further activity on this account should have ceased when the account status changed to charge off, but it did not. Error # 3, this account shows {$150.00} past due as of XX/XX/XXXX. Statement in error # 2 and error # 3 contradict each other. Why is this account showing " past due '' activity as if it is an active open account when it is a " charge off account ''? Error # 4, this account also states that it is " closed '' why is charge off activity still being reported as recently as XX/XX/XXXX, when it was charged of in XX/XX/XXXX? XX/XX/XXXX is when the collection activity was legally supposed to cease. Error # 5, shows a credit limit of {$500.00}, then reports that I am over the limit by {$8.00}. Yet, in the credit history there is no factual data SHOWING ON MY CREDIT REPORT when I was actually over my credit limit. Where is the data? Error # 6, if the credit limit was {$500.00} and the amount remaining is {$150.00}, why did you illegally withhold payment history data from this account? Where is the record of payments being made if money was received on this account? This is egregious and tortious act committed by Macy 's, Citibank, XXXX, XXXX, and XXXX. I currently have a Macy 's account that is in good standing, in addition to this negative account that is being reported. To add insult to injury, Macy 's decreased my credit line by {$600.00} when my account was in good standing ( XX/XX/XXXX ) for no reason. Macy 's and Citibank are intentionally violating the FCRA without any regard for it's consumers or their accounts. Therefore, I ask that the CFPB please investigate this matter as soon as possible to bring a fair resolution to this egregious credit situation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20602
Submitted Via: Web
Date Sent: 2024-01-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-10
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: When citibank sent me a new card XXXX started showing that account as being closed. When I noticed that I disputed the status with XXXX. Now XXXX is telling me that the account has been deleted from their system as per Citibanks request. I've contacted Citibank several times and I've contacted XXXX several times and they both point the finger at the other. Meanwhile I'm stuck in the middle with a credit report that's not accurate. Please help.
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: 2024-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-10
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: {$580.00} balance transfer, sent digitally to my account. It cleared & was charged to me. But never made it to the payee. Was sent to wrong bank, they also never received anything & was willing to refund if located. Citi bank would not refund my account and is holding me accountable for this transaction. It was done incorrectly & the other account was never paid either. A representative performed this balance transfer via phone & was done incorrectly. No accountability has been taken & XXXX stuck with the {$580.00} in addition to the account never paid via balance transfer. Citi claims since it cleared it was resolved. The funds never paid off my account & never showed up. No one can locate the money. Ive called & called. Citi offered only solutions of me calling again & again to the payee, they refused to give them additional information they needed to do their own investigations as well when i did call them. Non complaint to their requests. Another investigation after there was already XXXX for 30 days. No refunds or credit was offered to me & they said i was responsible for figuring it out & paying it back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 52501
Submitted Via: Web
Date Sent: 2024-01-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-10
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: On XX/XX/XXXX, I met with XXXX XXXX XXXX about matchmaking services. As soon as I sat down they said I had a match with someone named XXXX, they promised an introduction on XX/XX/XXXX. I filled out the paperwork and then we talked about cost. The person, XXXX told me that it cost {$20000.00} dollars but I told her that I didn't have the money. She talked to someone on the phone, took my picture and said that they would charge me {$5000.00}. I told her that was too much and she asked if I had a credit card. I told her I had one but only had an available balance of {$3000.00} not enough to cover the {$5000.00}. She forced me to apply for a credit limit with increase in front of her, my credit card issuer was XXXX XXXX. I then signed a contract that was a bit confusing. The language on the body of the contract said that I was unable to get a refund for the service but just above the signature line it said that if I wanted a refund I'd have to ask for XXXX within XXXX days. On XX/XX/XXXX, I called my credit card company, Sears Mastercard to file a billing dispute. I explained that I saw on the XXXX XXXX XXXX website this company was listed as a scam. They put a hold on this transaction. I then worked with XXXX XXXX XXXX to get a refund. They never set up an introduction with XXXX. Over the next few weeks, I did not receive any communications from the match they made with a XXXX, until I kept bringing it up with me. XXXX the person I initially met with told me she's not a matchmaker and that I'd have to speak with the matchmaker. I kept on getting bumped to different people. Eventually, I was blocked by XXXX. I collected all this information and provided it to Sears Mastercard. On XX/XX/XXXX, they said my billing dispute was resolved and that I did not have to pay for this service. In XXXX ( the date is a bit fuzzy ) Sears Mastercard said that they received information fro XXXX XXXX XXXX and that I was on the hook for the service and my account was charged. I sent them a letter telling them that I was forced to apply for a credit limit increase and asked that they look at the timestamp of that event. On XX/XX/XXXX, I received another letter from Sears Mastercard that they decided to go with XXXX XXXX XXXX and I was responsible for paying this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92831
Submitted Via: Web
Date Sent: 2024-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-10
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I opened a citibank credit card with a balance transfer offer of 0 % until XX/XX/XXXX. I have been paying on that offer since it opened ( and upon opening I paid 5 % of the full transfer amount as a fee to get this promotional rate ). I transferred {$4200.00} and paid {$120.00} for the fee. I have been consistently paying {$220.00} per month to pay this off before the 0 % interest ends. In XX/XX/XXXXXXXX Citi offered a flex loan on my card - money I could have sent to my checking account at a 7.99 % interest and a 3 year payment period of {$85.00} per month. I took advantage of this offer and took out the loan for {$2700.00} I called to see how I could make the {$85.00} payment and still pay the {$220.00} I have been paying each month on the XXXX interest balance transfer. The supervisor advised I can not do this. All extra money will go to the flex loan as that is the higher balance. I asked if I payed off the flex loan would my remaining balance still be at XXXX %. She said yes, and I reiterated this again. I paid the flex loan in full 5 days after it posted to my account. Citi is now saying since it was not yet on a billing statement that it wasn't an actual charge yet ( but it was showing in my transaction as being a charge on XX/XX/XXXXXXXX ( it was paid in full on XX/XX/XXXX ). They are now taking my original remaining balance of {$2100.00} and charging me the 7.99 % interest instead of the 0 %. I asked to have my transfer fee of {$120.00} refunded as I only paid a fee to have the 0 %. All they did was offer {$50.00} credit and that was after the agent said she had no more sound and never called me back, so I could not even tell them I did not agree to that as satisfactory. They should be giving me the full term at 0 % as I clearly paid off the flex loan per their own policy or they should fully refund the transfer fee as I did not get the rate for the term associated with that fee.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ME
Zip: 04240
Submitted Via: Web
Date Sent: 2024-01-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-09
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: My closed Citibank XXXX XXXX was paid off prior to my booked flight. The day of my cruise my flight got canceled. I asked that my money be refunded to my original form of payment. They stated they couldn't do it and sent me several checks for the XXXX flights. Now they are saying I owe them over {$400.00} and they're destroying my credit. I disputed this and they denied my claim. Please help!
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: 2024-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A