Date Received: 2022-12-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act XXXX XXXX XXXXXXXX XXXX account XXXX XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : Also states that a consumer reporting agency can not furnish an account activity without my written consent. 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: 30815
Submitted Via: Web
Date Sent: 2022-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: 15 usc 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 : it is also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on my credit card account under an open end consumer credit plan as late for purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 751XX
Submitted Via: Web
Date Sent: 2022-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-03
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I have a Citibank Accelerate account that I want to close. It has a {$0.00} balance and they are charging me {$4.00} a month due to insufficient funds. I had an online account where I could access the account number ( ending in XXXX ), but it disappeared. I don't have the account number since all correspondence only has the last 4 digits. I have called several times to close the account, but the first thing they ask is for the account number. I told them the online account disappeared and all the email correspondence only has the last 4 digits. They tell me they can't help me if I don't have the account number. They are charging me {$4.00} a month since I don't have a balance. I sent a letter to an office in XXXX XXXX TX as directed by some supervisor on XX/XX/XXXX to get the account number, but have heard nothing. Meanwhile I will be charged {$4.00} a month...
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NE
Zip: 681XX
Submitted Via: Web
Date Sent: 2022-12-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-02
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I currently hold a Citi credit card account XXXX **** **** XXXX under my name, XXXX XXXX XXXX. And that specific account doesn't worry me. I have inquired several times about my account ( s ) with zero replies from Citi or Citibank. This is my XXXX request. I have reason to believe my digital identity might be compromised and I need an investigation of all Citi or Citibank account ( s ) matching my credentials in order to exhaust this part of the investigation. I need to know if any other accounts are open under my credentials? Please assign XXXX of your representatives to investigate this going back at least XXXX to XXXX years so that I might rule out the possibility another account was opened with an unauthorized use of my data. I need this search performed whether a checking, money market, savings or any other type of financial account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32958
Submitted Via: Web
Date Sent: 2022-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-02
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XX/XX/2022, I opened a new 1 Year CD online with CitiBank. I had {$250000.00} transferred from an existing CitiBank savings account to fund the new CD. During the online procedure to open the CD, I specified that the monthly interest earned on the CD should be added to the CD balance. On XX/XX/2022 I checked the balance on the new CD to find the interest had been deposited into my savings account NOT the CD as I had instructed. After hours of being transferred from one customer rep to another on the phone, I was finally informed by CitiBank that the CD interest could not be changed to post to the CD until the maturity date. So, basically, all interest earned on my new CD is being deposited into my savings account earning a lower interest rate. Not only is this a result of the banks error but it prevents my interest on the CD from compounding which saves the bank money. I find it unacceptable that CitiBank refuses to correct this issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-02
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I opened a CitiGold Checking account on on XXXX/XXXX/2022 pursuant to a promotion mailed to my name and address. The mailing promised a {$1500.00} bonus for depositing {$200000.00} and maintaining that balance for XXXX days. The bonus promotion allowed the {$200000.00} to be kept in a CitiGold Savings account, which I opened the same day, to ensure my funds would earn nominal interest. On XX/XX/2022, I deposited {$200000.00} into my CitiGold savings account, and have maintained that balance ever since ( well beyond the mandatory 60-day period ). On XXXX/XXXX/2022, Citi posted a {$1000.00} reward to my checking account. On XXXX/XXXX/2022, I contacted Citi to thank them for the {$1000.00} bonus, and to ask when the remaining {$500.00} would post. A representative named " XXXX '' said Citi would look into it, and contact me by email. I received no email. On XX/XX/2022, I contacted Citi again. A representative named " XXXX '' confirmed that I had satisfied the requirements for the {$1500.00} bonus. XXXX also said no investigation had previously been initiated into my inquiry for the remaining {$500.00}. XXXX opened an investigation into the matter, and gave me reference number XXXX. As of this XXXX writing, I've still received no answer, and the promised remaining {$500.00} has still not posted to my account. Attached to this complaint are my account details evidencing that I've maintained {$200000.00} for more than the 60 required days, and my correspondence with Citi.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-02
Issue: Took or threatened to take negative or legal action
Subissue: Collected or attempted to collect exempt funds
Consumer Complaint: Collection statute of limitation in XXXX is 3 years. The account can not be collected and should be closed. Presenting the account as open indicates collection is possible, but it is not. That shows deceit and is fraudulent. Said account can be reported as closed for up to 6 years. The claim of this wholly owned subsidiary has not been proven. Collector is to provide disclosure and not request I research these companies to find out who is who. 15 U.S.C.1692e deceptive practices and fraud is what this collector is engaged in. They refuse to provide proof of who they are. Original creditor has NEVER mentioned this company to me, and the company they said owned the debt is NOT the company reporting the debt or asking me for payment after almost 5 years.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10025
Submitted Via: Web
Date Sent: 2022-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-02
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Fraudulent online transactions occurred to our checking account by use of our debit card number # XXXX : To : XXXX XXXX Date : XXXX/XXXX/2022 Amount : {$1900.00} Time : XXXX To : XXXX XXXX Date XXXX/XXXX/2022 Amount : {$3.00} Time : XXXX I filed a claim for fraudulent transactions XX/XX/2022. XXXX XXXX amount refunded by Citibank. XXXX XXXX transaction claim has been appealed twice and denied twice.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95330
Submitted Via: Web
Date Sent: 2022-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Letter, dated XX/XX/2022, addresses Citibank , N.A . to opt-out of sharing and reporting my information to non-affiliates. Citibank is reporting transactional history to credit report agencies, when I have not provided written consent to share or report any information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30213
Submitted Via: Web
Date Sent: 2022-12-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-02
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/XXXX I went to Macy 's Department Store in XXXX XXXX, FL to pay off my account. I had a bank draft check in the total amount of the statement which was {$5200.00}, dated XX/XX/XXXX, check # XXXX. This is a Macy 's XXXX XXXX card so the check was made out to XXXX XXXXCitibank XXXX The Macy 's clerk swiped my Macy 's credit card to open my account and processed the check. I believed everything to be just fine and paid off. On XX/XX/XXXX I checked my account online and the balance was still showing -- the payment had not been applied. I called the bank and they told me the check was cleared on XX/XX/XXXX. I asked for a copy of the front & back of the check, which they sent to me. I called Macy 's customer service to tell them about the situation and was told I had to put it in writing and fax the documents to them, which I did. I received a letter from Macy 's saying that my complaint was under investigation and it would take 21 days. In the meantime, on XX/XX/XXXX I went back to the Macy 's store that I made the payment to in XXXX XXXX, FL and went to their customer service department. I explained the situation and asked to speak to a XXXX. The " XXXX '', XXXX would not even come talk to me. I asked the Macy 's clerk to give her the copies of the letter and the front & back of the check, which they did. I was told that she would call me as soon as she could. On XX/XX/XXXX I received a letter from Macy 's saying that they do not know who cashed the check but they did not and that their investigation was closed!! They stated that if I wanted further review that I would have to provide them with more information on who cashed the check. How am I supposed to do that? I placed a call again to XXXX, on XX/XX/XXXX and she said that she had not gotten to my paperwork yet. She had not done one thing in 2 weeks! I have called Macy 's customer service over and over again but can not get this resolved. They have cleared my check and did not apply my payment correctly and do not want to do the work to find out why. Or is this just downright fraud? I have no idea what to do and do not want my credit ruined over this. I can not find any phone numbers to call except for Macy 's customer service, which is outsourced to XXXX and is impossible to get an English-speaking person on the line. Most of my calls to them end up with me being placed on hold until the line eventually hangs up. This is complete nonsense! What recourse do I have?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32927
Submitted Via: Web
Date Sent: 2022-12-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A