Date Received: 2023-06-19
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: After recently applying for a mortgage to purchase my first home, I discovered some unauthorized inquiries made by CBNA on XX/XX/22 & XX/XX/22. Prior to disputing the inquiries I performed my own due diligence on the accounts. I do have an open account with this particular creditor, through a co-branded card with Best Buy. I have verified that these erroneous inquiries are not associated with my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19111
Submitted Via: Web
Date Sent: 2023-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-19
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I received a 30-day late payment from Macy/CITI, I checked with XXXX XXXX and sure enough, there is a 30-day late on my XXXX account. I called Macy/CITI and started an investigation because they said I have a new account that I never knew about was started a month ago, they said to reach out to the FTC and the credit bureau
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 15601
Submitted Via: Web
Date Sent: 2023-07-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-19
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: To Whom It May Concern : I am writing to you today to file a complaint against Citibank , N.A . for charging me interest after I paid my balance in full and in time according to the terms of my credit agreement. On XX/XX/2023, I made a payment to Citibank , N.A . in the amount of {$13000.00} to pay off my entire balance. The due date for this payment was XX/XX/2023. I received a confirmation from Citibank , N.A . that my payment was received on XX/XX/2023. However, on XX/XX/2023, I received a statement from Citibank , N.A . showing that I was charged interest in the amount of {$160.00} on my balance. I was very surprised to see this charge, as I had paid my balance in full and in time. I have reviewed the terms of my credit agreement with Citibank , N.A . and it states that I will not be charged interest on purchases if I pay my monthly Citi Flex Plan Payment Amount plus my entire balance, excluding any Citi Flex Plan balances, by the due date each month. I met all of these requirements, so I believe that Citibank , N.A . is charging me interest illegally. I am requesting that you investigate this matter and take appropriate action. I believe that Citibank , N.A . is violating the Truth in Lending Act ( TILA ), which is a federal law that protects consumers from unfair and deceptive lending practices. I have attached a copy of my statement showing the interest charge and my credit agreement which is in the last page of same document. Thank you for your time and attention to this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90280
Submitted Via: Web
Date Sent: 2023-06-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-19
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: Citibank fraudulently closed case # XXXX by claiming a third party was involved. They new I filed the complaint, all details matched me as their customer except that I did use a different email address for the CFPB. I called citibank and I was told that they had already responded to the complaints and that they did not need my authorization. They knew about the complaints ahead of time and I have multiple recorded calls to verify that. I have recorded calls : 1 : Saying that an email address is not something used to verify the account 2 : No follow up is needed and they replied to the CFPB which is not true
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43220
Submitted Via: Web
Date Sent: 2023-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-19
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: Citibank has falsely claimed that this dispute involved a third party due to me using a different email address with the cfpb than with them. I have 2 recorded calls from citi that say that they do not need to have my email address to verify me and that no additional information was needed from me to follow-up with the cfpb complaints. This is new information associated with complaints XXXX, XXXX, XXXX, and XXXX. The OCC asked me to file this complaint here. I filed a good faith chargeback dispute as is my right under 15 USC CHAPTER 41, SUBCHAPTER I, Part D : Credit Billing, section 1666 ( b ) ( 3 ) This dispute is being filed with the OCC intentionally. Citibank, NA is violating The Fair Credit Billing Act ( FCBA ) of 1974 and it is the OCCs obligation to ensure Citibank is in compliance with applicable laws and regulations. This is not a CFPB customer dispute. I am not looking for you do resolve my personal dispute. I am asking that you hold Citibank accountable for violating the law. They are back dating documents, providing false and misleading statements, refusing to provide any information to customers during their dispute process, do not have a clearly defined charge back process outside of government accounts, claim to not receive documents, re date documents received, mis process documents repeatedly, show the disputed balance as due prior to their resolution, and provide outdated and contradicting information on their app vs their website. The first complaint was fraudulently closed by claiming they needed my authorization to speak to me - saying there was a third part involved. That is not true. Citi bank says they responded to the complaint, but there is no
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43220
Submitted Via: Web
Date Sent: 2023-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-19
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: XX/XX/2023 - Three fraudulent transactions ( for {$220.00}, {$370.00} and {$130.00} ) were charged to my Macys store card at a Macys store in XXXX, XXXX, NJ ( for a total amount of {$730.00} ). I called Macys to report the transactions. They said they would open a fraud investigation, cancel my card and issue a replacement card, which I accepted. XX/XX/2023 - As of this date, I had not yet received my new card. However, two fraudulent transactions ( for {$440.00} and {$140.00} ) were charged to this new card number at a Macys store in XXXX XXXX, XXXX XXXX, NJ ( for a total amount of {$590.00} ). At this point, I suspected that my identity had been stolen and recalled that Macys allows customer without their physical card to access their credit line by introducing their SSN at the stores register. That same day, I filed an Identity Theft Report with the FTC and called all three credit agencies ( XXXX, XXXX and XXXX ) to place fraud alerts and freeze my credit. I also called Macys to report the transactions and explain that my identity had been stolen. Macys said they would open a second fraud investigation, cancel my card and issue a new replacement card. However, this time, I clearly refused the replacement card and requested Macys to close my account. The next day, I found out that they did none of these two things. XX/XX/2023 - Despite having refused a replacement card and having requested Macys to close my account, Macys issued a new replacement card and two fraudulent transactions ( for {$420.00} and {$91.00} ) were charged to this new card number at a Macys store in XXXX XXXX, XXXX XXXX, NJ ( for a total amount of {$510.00} ). I called Macys to report the transactions and questioned why they had issued a new card and kept the account open against my will. Their Customer Service explained that the companys policy is to automatically issue a replacement card when fraudulent transactions are reported and that, in order to prevent the replacement card from being issued, extra steps were required from Macys Customer Service that had not been done by the person who took my call on XX/XX/XXXX. They apologized, said that they would open a third fraud investigation and confirmed that they would cancel my card without issuing a replacement and that they would close my account. Once again, they did none of these two things. XX/XX/2023 - XXXX received an email from Macys notifying that I had been upgraded to Platinum Status and that I would be receiving new Platinum Macys Star Rewards Card in the mail shortly. I called Macys Customer Service, reported the email and explained that I had not authorized any new cards to be issued and had in fact requested my account to be closed on XX/XX/XXXX. They apologized for the inconvenience and said that they would solve the problem. They obviously did not. XX/XX/2023 - At this point, I have already requested Macys on 3 different occasions to NOT issue any new cards and to CLOSE my account. However, Macys kept the account open against my will, issued a new replacement card without my will and two more fraudulent transactions ( for {$170.00} and {$110.00} ) were charged to this new card number at a Macys store in XXXX, XXXX, NJ ( for a total amount of {$290.00} ). Since the previous fraudulent transactions were still being charged to my account, these purchases surpassed my credit limit and Macys still allowed the purchases to be made. In fact, at this point, Macys had allowed {$2100.00} in fraudulent transactions to be charged to my account, which had a {$1800.00} credit limit. I once again called Macys to report the transactions and question why they had issued a new card and kept the account open against my will. They explained again that the companys policy is to automatically issue a replacement card when fraudulent transactions are reported and that the previous Macys Customer Service Employee had not taken the required extra steps in order to prevent the replacement card from being issued and close my account. They apologized, said that they would open a fourth fraud investigation and confirmed that they would cancel my card without issuing a replacement and that they would close my account. This time they finally did. XX/XX/2023 - I called Macys to report that I had received an email regarding undisputed card balance of XXXX with minimum payment required of XXXX by XX/XX/XXXX. At this point, the fraudulent charges made on XX/XX/XXXX and XX/XX/XXXX have been eliminated from my account, but those made on XX/XX/XXXX and XX/XX/XXXX have not. I explained to the employee that they were still charging me 5 fraudulent transactions that had all been reported on the dates in which they were made. The employee assured me that she would report them again and that my statement balance would be updated in 72 hours. I point out that Macys has reported to the credit agencies that I owe them this amount and that this has already affected my credit score. She says that I should not worry, that Macys will fix this issue with the credit agencies as well. XX/XX/2023 - My XXXX statement arrives. The Balance is still {$1000.00}, but the Minimum Payment Due is {$0.00}. However, the amount of {$1000.00} is still showing on my Credit Report as owed to Macys. XX/XX/2023 - I received a letter from Macys Fraud Investigation Department dated XX/XX/XXXX. It states that the investigation has been completed and that they have removed all the disputed charges and any related fees and interest charges from my account. They also state that they have updated the dispute to a resolved status with the following consumer reporting agencies : XXXX, XXXX and XXXX. I check my statements online and realize that there is now a balance of {$1000.00}. Macys is still charging me the {$1000.00} plus {$27.00} in interest and is requesting a Minimum Payment of {$38.00}. I call Macys Fraud Department and explain everything for the seventh time. The employee apologizes, explains that apparently no fraud investigation was opened on XX/XX/XXXX and that the other XXXX fraud investigations have already been closed, so she can not do anything else from her department. She asks me to call Macys and Bloomingdales Fraud Claims and Investigations and provides the following number : XXXX. They do not work 24 hours, so I must wait until the next day to call. XX/XX/2023 - I call Macys and Bloomingdales Fraud Claims and Investigations at XXXX and explain everything for the eight time. The employee apologizes and assures me that all charges and interests will be dropped in the next few weeks. He acknowledges that I have suffered from Macys actions and says that I will receive a call from Management within 48 hours. XX/XX/2023 - The promised call from Macys Fraud Claims and XXXXnvestigations Management never arrived. However, I did receive a call from XXXX, a number that has been identified in previous lawsuits against Macys as an automatic debt collection robocall used by Macys. I did not answer the call and decided to check my statements. I now have 2 statements. One for my original Macys store card ( the one I reported on XXXX XXXX ) for a total of {$730.00} and another one for the last card ( issued against my will ) for a total of {$330.00} which includes {$29.00} in fees and {$7.00} in interests, and requests a Minimum Payment of {$69.00}. I have also received an email from Macys stating that my Credit Card Payment is Past Due. At this point, I have decided not to call Macys anymore and have instead reached out to a Law Office specializing in Consumer Affairs to let them pursue this legally.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PR
Zip: 009XX
Submitted Via: Web
Date Sent: 2023-06-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-19
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: Citibank fraudulently closed case # XXXX by claiming a third party was involved. They new I filed the complaint, all details matched me as their customer except that I did use a different email address for the CFPB. I called citibank and I was told that they had already responded to the complaints and that they did not need my authorization. They knew about the complaints ahead of time and I have multiple recorded calls to verify that. I have recorded calls : 1 : Saying that an email address is not something used to verify the account 2 : No follow up is needed and they replied to the CFPB which is not true
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43220
Submitted Via: Web
Date Sent: 2023-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-19
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: Citibank has claimed, falsely, that this complaint involves a third, unauthorized party on 2 separate occasions. A freedom of information act request has been submitted to analyze the disposition of Citibank complaints. Original complaint : The incompetence, lying, and outright fraud shown from Citibank is astounding. Even if you don't find in my favor, please take this complaint seriously and consider appropriate fines for Citibank. They are actively, maliciously, causing harm to their customers as a cost saving measure. Any reasonable jury would find that they are violating the Fair Credit Billing Act of 1974 as a means of cost-savings. I filed 3 disputes on XX/XX/XXXX for work done by a contractor. The initial details included are outlined below at XXXX. Citibank opened the dispute on XX/XX/XXXX when I initially learned that my contractor did the work illegally without any permits. There were 3 separate disputes in the amounts of {$6500.00}, {$4000.00}, and {$4000.00}. Citi provided online documents on XX/XX/XXXX for me to respond to the dispute details. Those XXXX documents are attached ( Citi dispute 1, Citi dispute 2, Citi dispute 3 ). they have sense been removed from my online account. These 3 disputes were mistakenly sent to me all for dispute Case ID : XXXX. All three were identical. I responded separately to all XXXX. In the next few days, I realized they only applied them to 1 of the 3 disputes. I realized their error and I resubmitted the dispute information with the updated dispute number ( attached : Email Screenshot XXXX, Email Screenshot XXXX ( XXXX ) ). They currently have XXXX different letters on my account after I had called to inquire about the XXXX duplicate letters. They replaced them with 3 alternative duplicate letters ( Currently attached to my account : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX ). Their next communication with me is dated XX/XX/XXXX ( attached : XXXX ). This letter arrived at my house on XX/XX/XXXX but I replied on XX/XX/XXXX because I was able to review the letter on my online account ( Response : XXXX response letter, attachments to this letter are also included here ). They have sense, back dated a letter that says they sent it on XX/XX/XXXX. This is a complete and total lie. They did not send a physical copy of the letter and there was not an online version of the letter until the last few days. They are purposely, illegibly backdating documents to cover their legal exposure ( attached : XXXX ) I have called them more then 10 times during this process. I have the recorded calls. I have been lied to repeatedly, including employees identifying as supervisors. I have multiple recorded calls to support this. Last week I called on Monday, XX/XX/XXXX and I was told that an email was sent to the investigator and I would receive a call back in 24-48 hours. That did not happen. I called after 48 hours and asked to speak to a supervisor. She sent another email and ensured me that I'd have an update in 24-48 hours. That, once again, did not happen. I started my cfpb complaint last Friday and contacted the executive response team. Citibank, appears to purposely making the chargeback process as complicated, and non responsive as possible to reduce their costs. It's that simple. They need to be help accountable for their actions. 1A : Expected to receive : We paid to have a licensed and bonded contractor pull required permits, remove a load bearing wall, reroute electrical and hvac system, install a steal beam to replace the load bearing wall, encase the beam in drywall or wood and patch and repair any damage caused during the process. Actually received : Contractor did not pay his bond starting XX/XX/XXXX. Contractor lost all licenses on XX/XX/XXXX. They pulled no permits and all work was done il legally. They removed the wall, installed the steal beam, and had an hvac subcontractor attempt to reroute the ductwork. We had to pay for a structural engineer to come out to inspect the structural integrity of the steal beam. We have had 3 hvac companies come out to inspect the work provided by our contractor and they all 3 agreed that there were serious safety issues and that all hvac work would have to be completely removed and redone at a cost of XXXX XXXXplus the cost to pull permits. The contractor also used my personal power tools without permission, stole and damaged property, and purposely wasted XXXX gallons of water between XX/XX/XXXX at XXXX XXXX and XX/XX/XXXX at XXXX XXXX. Text from XX/XX/XXXX email : To whom it is conerned : This is in response to the letter posted to my account dated XX/XX/XXXX. These documents apply to all XXXX disputes mentioned in the letter : XXXX XXXX XXXX First Letter Requirement : Please provide us a copy of the invoice, contract or an agreement along with terms of the sale. Initial contract attachment : " Original Contract not signed '' Signed Contract attachment : " Signed Contract XX/XX/XXXX '' Second Letter Requirement : Please provide us the first and the last date you received the services from the merchant. First construction Date : XX/XX/XXXX Last Date : XX/XX/XXXX Third Letter Requirement : Please provide us the date you made the materials available to the merchant for pick up and the merchant 's response to your request for credit. The merchant has been free to pick up his materials at any time but has not asked to. My lawyer also sent him a letter ( attachment : " XXXX XXXX XXXX XXXX XXXX '' ) to arrange a pickup but the contractor has not responded. The merchant did not respond to my request for a credit. XXXX XXXX XXXX : Please provide us your recent attempts to contact the merchant to resolve your claim I contacted the merchant on XX/XX/XXXX to ask for the permits. His response was " I wouldn't want to waste anymore money. So I'm not going to do that '' ( attachment : " Text XXXX '' ) A voice call attempt on XX/XX/XXXX and XX/XX/XXXX attempting to discuss a refund were not answered. Emails to his email address are returned : XXXX. And his websites are down ( XXXX, rmrllchilliard.com ). Fifth Letter Requirement : Please provide copies of all documentation pertaining to these transactions including invoices, emails, or any other documentation that will support your claim. Remainder of the email text and attachments. The contractor ( XXXX XXXX XXXX presented his business as licensed, bonded, and insured. He did not pay his bond in XX/XX/XXXX and his licenses were put on hold. They were suspended on XX/XX/XXXX. The document named " Signed XXXX XX/XX/XXXX '' had permit drawings attached ( attachment : " XXXX '' ) leading me to believe that the contractor had completed the permit application as he had told us he would do. He confirmed he never pulled permits because he was not able to by text on XX/XX/XXXX ( see attached : " Text XXXX XXXX '' ). He has the permit in the contract in the first step but he did not apply for it. He also has it listed in the attached file : " XXXX XXXX XXXX ''. Summary of situation : We wanted to remove a load bearing wall that was between our living room /dining room/kitchen. This required a steel beam and rerouting the hvac system. Before we agreed to remove the wall, we had a plan for the hvac system and how it would look. Only after that, did we agree to move forward with the project. Work started the week of XX/XX/XXXX. We met with the electrician to make the electrical wiring in the wall to be removed safe. We also met with the hvac team to finalize our plan for rerouting the hvac ductwork. Then on XX/XX/XXXX XXXX XXXX 's team came to the house and removed everything except the framing for the load bearing wall. The following week, they put up temporary supports on each side of the load bearing wall and removed the framing for the load bearing wall. On XX/XX/XXXX XXXX XXXX 's team installed the steal beam and its supports. On XX/XX/XXXX, the temporary supports were removed. During that process, 2 workers were removing a large beam and it fel causing damage to the vinyl flooring in our kitchen. XXXX XXXX subcontracted an hvac team to come out starting XX/XX/XXXX. They worked from XXXX on the XXXX and at the end of the day told me they were 70 % complete. They came back and worked from XXXX - XXXX on the 2nd day and still were not finished. We did not see the work they had done until the morning of the XXXX. It was not at all what we agreed to so we asked XXXX XXXX to come to the house to discuss how we could address our concerns. Our largest concern was the width of the beam and hvac ductwork on the ceiling of the first floor. Previously he had assured us that it would be XXXX '' XXXX '' wide when they were finished. When he came out on the XXXX, he was clearly agitated and said he told us it would be at least XXXX '' wide. It is currently XXXX '' wide and would require a soffit the length of the entire beam to appropriately hide the ductwork. I told him later that day via text, that we should put the hvac work on pause until I had independent hvac companies come out and assess the work that had already been done. XXXX XXXX had previously told me that he had the electricians coming out on XX/XX/XXXX and I asked him to cancel that visit because I was concerned that the hvac work would need to be redone which would cause the electrical work to possibly need to be redone. My text to XXXX was : " We should probably change the Monday electrician to a future date too. I don't want to waste money. '' I had XXXX XXXX XXXX XXXX out on XX/XX/XXXX. Their employee XXXX identified 1 serious safety concern with a return put right next to our gas water heater that could potentially cause combustion fumes to circulate throughout the home. Other than that, he just said that the work was very amateurish and simply would not work. We checked the ~11 returns throughout the house and the only one creating suction was the one that was on the side of the furnace next to the water heater. We also checked airflow on the 2 supplies that were rerouted and XXXX had minimal airflow, and the other had no noticeable airflow. XXXX 's estimate of {$5500.00} plus permits is attached ( " Quote HVAC rework XXXX '' ). XXXX stated that none of the work that was done could be salvaged. It all would need to be removed. We had a second professional come out later on the XXXX and he stated the same safety concern as XXXX and said that the work would all need to be redone. We had a third opinion on the XXXX from XXXX XXXX XXXX XXXX XXXXXXXX XXXX. They also had the same safety concern and questioned the decisions to run much of the return ductwork as a much simpler and more reliable option was possible. He also repeatedly stated that he did not believe a licensed hvac would have done this work. All of XXXX XXXX 's workers except for him and one supervisor spoke monolingual XXXX. My husband is fluent in XXXX. They were repeatedly saying derogatory, XXXX comments about us as they did their initial work on XX/XX/XXXX. I heard them ask about the bathroom and I asked my husband to respond. This is the first time they realized that he could understand everything they were saying. To say they were shocked was an understatement and they did not speak much at all after that interaction. I did not learn of everything they had said until several weeks later. This crew is not welcome back in the house. My husband and I were out of town from XX/XX/XXXX - XX/XX/XXXX and we allowed the contractor access to our home to continue his work. We had cameras in multiple places inside and outside and discussed that fact with XXXX XXXX prior to allowing them access to the home while we were gone. On XX/XX/XXXX they moved a camera, possibly by accident, that had the best view of the room they were working on. That same night they left water running starting at XXXX XXXX until XXXX XXXX the next day using XXXX gallons of water. This corresponded to the time they left on XX/XX/XXXX and was turned off while they were at the house on XX/XX/XXXX We have a smart device on our water meter that tells us usage by the minute ( attachments : " Flume Leak Alert XXXX '', " Flume Leak Detail XXXX '' ). This increase in usage was also reflected on our water bill. I did not see the leak detection report until XXXX. A leaking toilet uses ~50 gallons a day, a full running toilet uses ( if the fill valve was stuck open ) XXXX gallons a day. I texted XXXX XXXX and asked what happened and he suggested that a toilet was running. I told him that it was unreasonable- it would be like 8 toilets running. I asked if it was intentional and did not respond. This was more water then we used in the entire month of XXXX. Due to this incident, the contractor 's hired supervisor came to the house on XX/XX/XXXX and I asked for the key back. I was only willing to let them on the property when I was home to monitor them from that point. When XXXX came out on XX/XX/XXXX their employee explained that we were required to have a permit posted on the front door for the work we were doing. This was our first indication that XXXX XXXX did not pull the permits. I texted XXXX XXXX and asked for the permit number on XX/XX/XXXX. He replied " Haven't opened a permit because we do not have a complete scope of work yet. '' I replied with a screenshot showing that he had previously told us this was the first step after payment was received. I then texted him " If you haven't pulled them yet, you need to pull them now please. This is what you had said was your first step when our first payment went through ''. He then replied " I wouldn't want to 'waste any more money '. So I'm not going to do that. " ( attachments : " XXXX XXXX XXXX '', " Text XXXX XXXX '', " Text XXXX '' ) That is when we realized for certain that we could no longer use him as a XXXX. We contacted Citi on XX/XX/XXXX and disputed all payments for what we believed to be material breach of contract since he did the work illegally without any permits, did subpar work that was not properly inspected ( XXXX XXXX was being taken into the HVAC system by improper design ), and maliciously caused damage to our property through purposely wasting water ( attachments : " Flume Leak Alert XXXX '', " Flume Leak Detail XXXX '' ). We also started digging into his background. We contacted the city of XXXX XXXX XXXX XXXX department and confirmed that XXXX XXXX 's XXXX licenses ( XXXX, XXXX ) were revoked XXXX. We found that his license ( XXXX ) was put on " hold '' starting in XXXX, XXXX due to non payment of bond. More digging : XXXX county common please court default judgement of {$81000.00} against XXXX XXXX issued on XX/XX/XXXX - case number XXXX CV XXXX by judge XXXX XXXX. The plaintiff was XXXX XXXX, XXXX. Also open case XXXX CV H aa XXXX in XXXX county common please - XXXX XXXX is the plaintiff. He also has a tax lean on his home in XXXX. Because he is involved in several other lawsuits, including a default judgement of {$81000.00} against him, we believe XXXX XXXX to be insolvent. When the purchases were made, we believed that we were paying a licensed, bonded, and insured contractor to complete our project so that just in case something went wrong, we could go after his bond or insurance. Unfortunately, because he no longer has an active license or bond, we have no reasonable way to collect damages from XXXX XXXX. The total work from the contract is less than half done. The beam is in place, but the HVAC, electrical, and finishing work all still needs to be completed. We have around XXXX XXXX in our living room and our lawyer advised us that we could not repair or continue any work until all legal issues have been resolved. Our kitchen and living room have been nearly unusable for the past several months. The hardwood floor is damaged due to the very large cutout for hvac that needs to be redone. The vinyl floor in the kitchen is damaged. XXXX XXXX or his workers stole several items from the house ( led headlights ). The hvac work done damaged some other hvac ductwork that will need to be repaired. The air conditioner may have been damaged according the hvac professions that came out. The hvac work excluding the a/c is {$5500.00} plus permits ( attachement : " Quote HVAC rework XXXX '' ). I attached another version of the signed contract with a couple of comments where XXXX XXXX broke the contract terms. We can't be certain of XXXX XXXX 's motives for not responding to us or our lawyer but the lawsuits he's been in recently have had difficulty serving him in person and he XXXX be purposely hiding. Please let me know if you need additional information. Sincerely, XXXX XXXX The first complaint was fraudulently closed by claiming they needed my authorization to speak to me - saying there was a third part involved. That is not true. Citi bank says they responded to the complaint, but there is no evidence of that.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43220
Submitted Via: Web
Date Sent: 2023-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-19
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: Unbeknownst to me I had 2 Macy 's credit cards. I thought I only had one and I was paying the card off on time through the Macy 's website; but somehow, a second card got charged in my name and I had late fees ( of {$3.00} not very high ). I have never had a late fee or late payment on my Macy 's card and did not quite understand how I had 2 different ones but I had indeed made those purchases they claimed. I paid the charge and closed all my Macy 's credit cards on XX/XX/2023. Macy 's conveniently found a way to charge interest on the late fee of one of the closed credit cards ; I called again in XXXX and made sure that they remove all of these charges and REALLY closed the cards this time. On XX/XX/2023, I received a letter from Macy 's saying I owed {$0.00} on my card from interest fees. I once again called Macy 's and they claim they have a charge on my card from a Credit Service company in May, after the card was closed. I have again called for closure of the account and removal of the charge but doubt they are taking this issue at all seriously and fear they will continue to give sub-par customer service and eventually affect my credit score and report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95610
Submitted Via: Web
Date Sent: 2023-06-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-19
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: Citibank fraudulently closed case XXXX XXXX by claiming a third party was involved. They new I filed the complaint, all details matched me as their customer except that I did use a different email address for the CFPB. I called citibank and I was told that they had already responded to the complaints and that they did not need my authorization. They knew about the complaints ahead of time and I have multiple recorded calls to verify that. I have recorded calls : 1 : Saying that an email address is not something used to verify the account 2 : No follow up is needed and they replied to the CFPB which is not true
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43220
Submitted Via: Web
Date Sent: 2023-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A