Date Received: 2024-01-09
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: XXXX received FTC Identity Theft report and a Police Identity Theft report in XX/XX/XXXX. It is now XXXX & I'm still having to dispute with XXXX about the same Inquiries put in my credit file by the Best Buy employees who say they're CITIBANK ( CBNA ). They also received a request for the Extended Fraud Alert & I provided them a copy of a Utility Bill, State Identification Card & a copy of my Social Security Card. They refused my request as they granted the thief to keep adding false information & fraudulent accounts to my XXXX Credit File & report. I am a Victim of Identity Theft by thieves who added a CREDIT CARD account as CBNA. This is being reported by BEST BUY as they added the CBNA Credit Card to appear as ONE ACCOUNT. I've constantly disputed this account but XXXX keeps denying the account is FRAUD. XXXX has known this since XX/XX/XXXX when they sent me a credit alert that I had NEW ACCOUNTS opened in my name & added to my credit file and report. XXXX REMOVED the BEST BUY/CBNA from my credit report but keeps the Inquiry that allowed the thief who added the CBNA account without my knowledge. XXXX also has allowed the thief to add another inquiry to my account as CBNA/BBY on XX/XX/XXXX which is FALSE. I do not acknowledge this inquiry. XXXX will be held accountable for allowing this to continue with my attorneys in court. Both XX/XX/XXXX & XXXX Inquires are linked to a Fraudulent account that's been disputed for the last 5 Months. The scammer reported a STORE CARD as a CREDIT CARD to harm my credit. I had Credit Monitoring with XXXX in place. I did NOT receive a Credit Alert for XX/XX/XXXX. I received credit alerts for XX/XX/XXXX & XX/XX/XXXX and each of those NEW ACCOUNTS are FRAUD. The scammer also responds with a CITI letter constantly removing & adding FALSE information. There is never a SIGNATURE OR NAME that is provided on the response. There is a number but it is NOT A DIRECT NUMBER to speak with anyone. I've spoken to Citibank dozens of time & they do NOT acknowledge me as a customer nor do they have any information in their system that declares this account is a Credit Card nor does the card belong to them. I received a copy of a BEST BUY application ( through disputes in CFPB ) that's NOT in my name & doesn't have my signature. CBNA or CITIBANK is on the application so this is fraud. REMOVE THE XX/XX/XXXX INQUIRY XXXX ( XXXXXXXX XXXX XXXX XXXX FL XXXX XXXX XXXX REMOVE THE XX/XX/XXXX INQUIRY CITIBANK NA XXXX BEST BUY, CITI XXXX XXXX XXXX XXXX, XXXX XXXX FL *Whoever reports these account are the scammers who've used my personal information to add false accounts, dates of opened & closed accounts without my knowledge or consent. XXXX is the ONLY Credit Bureau who refuses to remove the fraud inquiries. They've removed the account in XXXX when they received the Identity Theft Reports BUT Refuses to REMOVE the Inquiries that belong to the fraudulent accounts. The scammer should've been BLOCK from my credit file and reports but XXXX continued to let them gain access putting more harmful info on my credit file. I've been a victim since last year when I started disputing these accounts. I didn't become a victim recently as XXXX responds in their responses recently. REMOVE THESE INQUIRIES BECAUSE I WILL SEE YOU 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: 2024-01-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-09
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: On XX/XX/XXXX I purchased a refrigerator from Home Depot using my store credit card that had a promotional interest rate of 0 % for 24 months on purchases of {$1900.00} or more before taxes and fees. My purchase met this requirement and I had qualified for the 0 % for 24 months and confirmed this rate at check out. I then set up automatic payments and paperless statements and kept my account in good standing. Knowing that the 24 months would be coming to an end this year I checked my account online to see how much I would owe on the last payment so that I would not have to pay interest. I then discovered my account balance seemed higher and then discovered there was an error and the 0 % was only applied for 12 months instead of XXXX. I then called the customer service number XXXX on XX/XX/XXXX and spoke with a customer service representative, their supervisor and their manager and explain the situation and told them I no longer cared about the promotional rate and asked that they reimburse the interest that should not have accrued in the first place until after 24 months. They told me that because it was 60 days past when the promotion expired they couldnt do anything but they could waive this months interest fee. When the accrued interest charge hit it was {$760.00} therefore I did not feel their offer of waiving around {$50.00} was adequate since this was an error with their system and not what was agreed upon when the purchase was made. The Home Depot credit card is through Citibank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 524XX
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-09
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: On XX/XX/2024 direct deposit from my employer were received by Citibank and deposited into my accounts. On the XXXX XXXX XX/XX/2024 the accounts closed. XX/XX/XXXX and XXXX were XXXX- so the accounts were closed within XXXX days of deposits and monies were not returned to employer or me. Instead the payroll is being used to reconcile the account without my access. All access is blocked and no court order exists to hold pay.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 130XX
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: I opened a Best Buy credit card in XXXX to buy a Washer/Dryer set with. Citi bank was the issuer of the card and only gave me a {$1000.00} limit which was not anywhere near enough nor appropriate for my credit history. I had no intention of using the card after such ridiculous credit limit, and I have never used the card once let alone activated it. And when I log in to my account with the bank. Zero transactions are on the card yet the bank is trying to say I have {$60.00} in collections on the card that was never used. This card has never been used and is not even desired because the bank didnt give any credit limit that could be useful.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 440XX
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: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Citibank has called me as many as 10 times in a row for money that I owe, I am working with XXXX XXXX XXXX and have told them this and to stop calling me. They call me every day, all day, and leave up to 3 voicemails a day. This has gone on for 3 months now.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55420
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 purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Someone went into a best buy store on XX/XX/24 and made a purchase of XXXX XXXX not using my card but had a fake ID and used my SSN, DOB, and address. The company sent me a letter and advised that I will not be responsible for the balance on my card. The person also tried again to do purchases in the store but it didn't go thru
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23231
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: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: Company received a fraudulent application for a credit card on XX/XX/25. They were one of 5 banks that received an app fraudulently and by far the worst to work with to resolve the issue. I wish to report the application as fraudulent, make sure no other actions were taken on my accounts, and have the inquiry removed from my credit report. I called to speak to a person. Struggled with their automated system multiple times. I was transferred between representatives 5 times on one call. I asked to speak to a supervisor and the rep promised the transfer would be successful and to the right person. Sent me to a closed department. They gave me numbers where the only options were to hear why an application was denied, on repeat, or to end the call. I told the one rep she was difficult to hear because her voice was muffled and she talked over me and transferred me to a dead end department. Their negligence in being able to accept a call and address this issue is to a level that I believe it to be intentional.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 173XX
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: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I've recently had XXXX XXXX and Citibank view my credit report without my knowledge or someone is using my information to open an account. I tried to dispute it through the direct credit companies but still no result. This is affecting my credit score. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 507XX
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: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I recently pulled up my credit report and I noticed a couple of inquiries that I don't recognized or approve. I need help remove them of my report they are as following XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 076XX
Submitted Via: Web
Date Sent: 2024-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-09
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I received my citi visa credit card bill on XXXX the XXXXXXXX XXXX which announced that the APR on my credit card has been raised to 29.99 % of the balance on the credit card. When I telephoned them on XX/XX/, their representative XXXX explained that this increase was due to the fact that my wife made her payment 1 day late. XXXX also explained that citi visa may or may not lower the 29.99 % interest rate in 6 months. It is at their disgression. I feel this is totally unjust, and I would like you to make them lower the interest rate to below 20 % APR. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95662
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A