Date Received: 2022-11-22
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 purchased a new camera, figured new XXXX gift for myself a bit early. It was set to arrive on XX/XX/XXXX, tracking says package is delivered - I get home and nothing is there. I chat into the support team and they tell me to wait XXXX hours and chat back if nothing is there still. So In figure yeah, maybe it was just marked delivered on accident so I continue to wait the XXXX hours. On the XXXX, since the support team told me to wait XXXX hours as the package may arrive then, I decided to also purchase the gimbal kit I was looking at so they would arrive the same day. XX/XX/XXXX comes along, gimbal package is marked as delivered - I get home and nothing is there. At this point I assume they were snatched from my porch ( I live alone, no one else was there at the time to bring them inside. ) I chat into the support team again and they say they started the process for refunding both items and I just need to wait for confirmation emails at this point. So I wait for the confirmation emails and they eventually come in - now its a waiting game for the refunds to apply so I can just go into the store and buy them there instead of worrying about a porch pirate again. Then today on XX/XX/XXXX, I get XXXX emails ( XXXX for each of the packages ) saying that the investigation was complete and they're unable to provide any refund or replacement. So what am I supposed to do at this point as I've spent the money and didn't get the items, as they were stolen? The tracking on the packages even shows that a signature wasn't required. Absolutely insane for such an expensive item.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78258
Submitted Via: Web
Date Sent: 2022-11-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-22
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: CITIBANK IS DENYING ME ACCESS TO MY ACCOUNTS AND NO CAN SEEM TO FIX IT. MY ACCOUNTS ARE IN GOOD STANDING.I can not gain access to my credit card accounts and bank account with Citibank because when I try to log on it has a screen that keeps saying unless I activate my card I can not access ANY of my accounts. I have spent hours on the phone 2-4 hours and still not received any results. I NEED ACCESS TO MY ACCOUNTS!!! I have now called again today and been transferred twice and then the third time I was hung up on. NO ONE SEEMS TO KNOW HOW TO FIX THIS! Now I have been given a new phone number to call. I am just going to keep typing to give an example of my phone calls. Now they say they want information I can not access because I do all of my business online. I can not give them what they want because I can not access my account. Do you know your savings account number?? I don't maybe I should. But I can give them my security word, all of my credit card numbers every bit of information and now they are transferring me again. Oh now they have tried to tell me to go to a standing bank well there is not a single one where in my state that I can find. Only ATMS. They have now transferred me to a supervisor and she it telling me she can not help me that I need to call a different division back. And after explaining this again she now has either put me on hold or something without telling me. I am still connected but no one is talking to me. Now after 5 minutes of silence it hung up on me. So starting over with another phone call. Now they are saying it is because that card is expired as of TODAY. Well why did I not get a new one. They are saying they have no record of it being sent when I asked. I am being told that this is the problem. And, that they will send me a new card that I can put in this page that keeps blocking me. However they will not overnight it to me because they don't do that. They can only expedite it. I have tried to deal with this many times and now this is what they are saying will fix it. How come not one else was able to see this when I asked over and over again. This it totally a screwed up situation when you are being denied access to 4 different accounts because of one card that I can not find the number of because I likely cut it up because I would not use it and because of using only online banking I do not have paper statements of the actual account number. Oh and now I am transferred back to the credit card department when I said I wanted statements for my accounts. The person that transferred me said they could email me statements, now I am being told that they can only send them by mail. I explained that I do not want anything by mail because I have had things stolen in the past and my accounts accessed. I was told that I was being transferred to a supervisor. I ended up at tech support again. Which I have already talked to many times. AGAIN I feel like I am loosing my mind when I have to start over again. I feel like no one is listening when I have to repeat myself too with things I have already explained to the person I have been talking to. Like I already said I do not want statements mailed and then I am asked again by this same person if I want statements mailed because that I what they can do. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Now today the total time spent on the phone call is around 3 hours with no other results. I should be getting paid for this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80017
Submitted Via: Web
Date Sent: 2022-11-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-22
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I am off work on medical leave with no pay due to severe health issues and have been off for three months with 0 income and don't know when or if I will be able to return. I have 0 savings and no money. Yet XXXXXXXX XXXX XXXXXXXX XXXX and XXXXXXXX XXXX XXXX XXXXnd Citibank Wayfair credit card companies have continued to CALL AND SEND REPEATED ROBO COLLECTION CALLS TO MY PHONE DAILY EVEN AFTER I TOLD THEM THREE TIMES AND ALSO HAD A LAWYER TELL THEM THREE TIMES TO 'CEASE AND DESIST!!!!! I also NEVER gave them my authorization to contact me by phone or email at all and specifically said they could only contact me by mail prior to that yet they have done the opposite!!!!! They are breaking every FDCPA law ever written, make them Stop NOW!!!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 628XX
Submitted Via: Web
Date Sent: 2022-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-22
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I am off work on medical leave with no pay due to severe health issues and have been off for three months with XXXX income and don't know when or if I will be able to return. I have XXXX savings and no money. Yet XXXX XXXX XXXX XXXX and XXXX XXXX XXXX and Citibank Wayfair credit card companies have continued to CALL AND SEND REPEATED ROBO COLLECTION CALLS TO MY PHONE DAILY EVEN AFTER I TOLD THEM THREE TIMES AND ALSO HAD A LAWYER TELL THEM THREE TIMES TO 'CEASE AND DESIST!!!!! I also NEVER gave them my authorization to contact me by phone or email at all and specifically said they could only contact me by mail prior to that yet they have done the opposite!!!!! They are breaking every FDCPA law ever written, make them Stop NOW!!!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 628XX
Submitted Via: Web
Date Sent: 2022-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-22
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I told bestbuy that my packages were not delivered. I looked for it everywhere around my house to see if maybe the driver dropped it off somewhere around the house but I didnt find it anywhere. Unfortunately I dont have security cameras installed around the house to figure out what happened. I tried to receive a refund for the lost packages but the dispute was denied because they received a notification that it was delivered and for another order that I made with them disputed and explained to them that their delivery driver was very rude and didnt even drop off my packages all he did was take pictures of the house while walking back to his car. This is the first time I'm dealing with this with bestbuy can you help me?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33168
Submitted Via: Web
Date Sent: 2022-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-22
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I just tried to access my Citi Bank Savings account since I received an email saying that the APY was increase on my account to XXXX XXXX. While I was trying to log in i receive a message saying that the account was inactive and that I needed to call a number. I proceeded to call the number and it was respond by a call center in XXXX. They got my info and transfer me to a different department. After doing so, an agent responded by saying that my account was terminated and that they couldn't talk to me anymore and just hung up on me. I tried calling again and requested to talk to a supervisor in the US. They trick me and pass me over to another agent in XXXX that had less of an accent but still was not American and when I caught them on the lie they just told me that they didn't have any employees in the US. Please not that this is a US bank that hold $ XXXX of my money. That person then passed me over to a " supervisor '' in XXXX and this guy told me that my account was closed and that I should be able to get my money back within XXXX to 60 days. This is unacceptable. This is all the cash I have and this people think they can just hold it from me? I need to make a $ XXXX payment on friday that will result on a penalty if I dont and Citi Bank wont even pass me over to US representative to give me a solution or at least an explanation? How is it possible that one of the largest banks of North America dont have a single employee in the continental US to address this type of issues that are time sensitive. This has to be illegal one way or the other. I have no issues now or never had any discrepancies or issues with the IRS. I don't have kids so I don't pay child support. The only institutions that can freeze my money is the federal Gobverment and thats no the case.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33572
Submitted Via: Web
Date Sent: 2022-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-22
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I opened a savings account at Citibank after receiving an offer. I have made 4 deposits via electronic transfer. Citibank flagged one as fraud from XX/XX/22. Citibank did not contact me via letter, phone or e-mail. I found out that a block had been put on my account, and Citibank refuses any request for the funds or even offering a solution. I have sent correspondence as well as have told over 15 representatives that there has been no fraud. I sent my bank account statement showing the movement to the Citibank account. Citibank has informed me that I may receive a letter and then it might take 30 to 60 days for the account to be closed and for me to receive the proceeds. I shpuld be able to access my funds now. Please help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 306XX
Submitted Via: Web
Date Sent: 2022-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-23
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: i have inquiries on my credit report i do not recognize
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08005
Submitted Via: Web
Date Sent: 2022-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-23
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: This account was not late, the error was on macys part, not mine. this was to be corrected on Macys side they never corrected. It was not late, they charged me a late fee when my payment was made. i was not aware i had a late fee and cause the account to be late. Macys did correct the issue but never updated credit report XXXX XX/XX/2021 2021
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08005
Submitted Via: Web
Date Sent: 2022-12-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-23
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On XX/XX/2022, I mailed a letter to XXXX regarding the debt they placed on my credit report for {$1500.00}. I requested validation of this debt. I have no knowledge of this account. On XX/XX/2022, I received a letter from XXXX acknowledging that they received my dispute however they refuse to validate or send me any documentation to validate the claim they place on my credit report. I have never done business with this company. They claim that Citibank SOLD my personal and private information to them, which is a direct violation of my privacy. 15 U.S.C 1681 Sec 602A, states that I have the right to privacy. 15 U.S.C 1681 sec 604A Sec 2 : Also states that a consumer reporting agency can not furnish an account without my written instructions. As a consumer and natural person, am aware of all the rights that I have which are protected by Congress under the Fair Credit Report Act ( FCRA ). XXXX XXXX XXXX claims I owed them {$1500.00}. I have challenged and disputed the accuracy, compliance, and reportability of this listing multiple times, however, they failed to investigate and validate this debt and continued to report the erroneous account to the credit bureaus which is a violation under 15 U.S.C 1692 ( g ) Section 809 ( b ). My personal and private information was obtained and SOLD to other organizations as well, such as XXXX, XXXX, and XXXX, which I did not grant. I was not notified that this information was being provided to the highest bidders. .
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77084
Submitted Via: Web
Date Sent: 2022-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A