Date Received: 2022-11-13
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have an account with Macy 's ending in XXXX. I made a {$40.00} purchase 3 months ago, I did not receive a statement and missed the payment, however, I paid off the {$40.00} in full by phone the following month ; I was told by the rep. they would reverse the late fee and interest. did not subsequently use the card. I did not receive a statement for the next 2 months, although I do not have online access to statements and I had requested a statement 3 times by phone. This month, XX/XX/2022, my credit rating dropped over XXXX points because Macys ' turned over a {$2.00} interest fee to the credit bureau. Because I had not received the statement I had requested by phone and because I do not have online access I had no way to know they had charged {$2.00} in interest. When it came to my attention I phoned their credit department and had the {$2.00} interest fee reversed. However, my credit rating is still XXXX points lower since they reported to the bureau.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77082
Submitted Via: Web
Date Sent: 2022-11-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-13
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: This complaint concerns Citibank, but started with an online scam, an email I received on Friday, XXXX XXXX, 2022 purportedly from XXXX XXXX falsely charging me for a subscription renewal. Unfortunately I called the number on the email and was connected supposedly to their customer support rep, who agreed to refund the money. To do so he persuaded me to allow him to access my computer. A manipulated " error '' omitted the. in the refund amount, so that it came out to be thousands, not hundreds of dollars, which somehow did appear my screen as a credit to my checking account. Now of course I felt guilty at having these thousands which were really not mine, and was persuaded to " return '' that extra money via an international wire transfer to a XXXX XXXX XXXX. ( The " rep '' said company XXXX was in XXXX XXXX. ) After a couple of unsuccessful attempts to access my Citi account online, I was finally able to do so, and with the scammer still on the phone with me, I initiated the transfer. It went through immediately without a hitch. Coming to my senses a couple of hours later -- it was now past XXXX -- I called Citibank customer service XXXX Their rep recognized this particular scam, said my account showed the debit ( but not the supposed credit ) but that that did not mean the funds had yet been released to the account owner, put a hold on my accounts, and " escalated '' the report to their wire fraud department. The rub : There is NO ONE in that fraud department on the weekend ; I could not reach them by phone until Monday XXXX By Monday I am told that yes, the money has now been released from the XXXX XXXX XXXX to the account holder. And that Citi has sent a message to the XXXX XXXX XXXX, which will ask that the account holder [ fraudster! ] return the money. Citi says the matter is under investigation and could take up to 90 days. I am astonished and outraged that Citi allowed the transfer to go through in the first place, from a longtime customer who has NEVER made a wire transfer, much less an international one, much less in such a huge amount. No red flags? They do not seem to have safeguards in place to protect their customers. I have filed reports with the XXXX XXXX police, the FBI, and the FTC. I emailed the Citi fraud department on XXXX XXXX ( because nobody could connect me with an actual person ) outlining the case and my frustrations with their actions ( or lack of same ), and asking for an explanation for the delay in funding my new accounts from the old ones. ( I had been given different reasons on the phone from different reps, and had been advised to just go to my local branch, which I could not do and which, it turns out, would not have solved the problem. ) To date I have had no response to my email.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11372
Submitted Via: Web
Date Sent: 2022-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-13
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: XXXX fraudulently submitted two charges to Citi XXXX for scam cash advances, although I had no XXXX account and have never, ever, made a cash transfer on line. Citibank added {$200.00} in fees and interest for the two non-existent cash advances. After several telephone calls, Citi Customer Service removed the charges ( XXXX x {$1900.00} ) AND the {$200.00} in fees and interest, BUT the fees and interest keep reappearing on my Citi credit card bill. All those reachable at Citi by telephone, in XXXX, are consistent only in stating that I have reached the wrong department, whether Customer Service, '' " Fraud, '' or " Security. '' Each of those departments say one or both of the other two should take care of the matter. Transfers to " technical support '' mostly result in recordings to call back at " normal business hours '' even when the attempted transfer by Customer Service was is well-within the Citi business day. You are then disconnected. The one time I got through, the rep listened in silence and then hung-up. Citi seems to have no way for customers to get errors in billing by Citi permanently corrected. The bill for XX/XX/2022, billed the same {$200.00} for a cash advance in XXXX even though the bill shows no such cash advance. This amount, identical to the former, removed, fee and interest changes, is, presumably, the Citi computers trying to get the amounts removed by Customer Service. The " dispute '' record on line claims that Citi has never issued any credit for the XX/XX/XXXX and XXXX, 2022 XXXX fraud, which is also false. XXXX, whose " security department '' informed me on XX/XX/XXXX, XXXX, the " cash advances '' were a " known scam, keeps sending what it imagines are threatening emails. I forward the emails to XXXX security and will never pay them a cent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-14
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts/items which do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, CITI XXXX Date Opened : XX/XX/XXXX Balance : {$4400.00}, CITICARDS XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3500.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. . Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but XXXX and XXXX are neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that each accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. These account ( s ) are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11219
Submitted Via: Web
Date Sent: 2022-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-14
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 or about XXXX XXXX, XXXX I noticed in my email account that all of my payments " thank you for payment '' and " payment confirmation '' emails back to XX/XX/XXXX, have been Removed ( without my notification ) to make it appear that I have not made these payments, which I definitely have made. I believe that this may be a retaliation tactic for my court case coming up this week against XXXX. I am seriously concerned of this attempt to financially do fraudulent damage to me. I did make many calls to the customer service this past week, for this account and was told that there is a problem resending my the removed emails. I want those emails resent to my email account. This is not an online account but only I get payment receipts confirmation emails. I did do a test small payment of {$10.00} on XXXX to check on the site. The removal of these payment receipt emails I Believe is intentional to harm me legally and financially, I am near XXXX yrs old, XXXX, indigent and have dangerous XXXX XXXX and this situation is causing me enormous duress which can literally XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-12
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I opened an account with Citibank checking. I deposited a refund check from the department of education issued by the department of the treasury. They accepted my deposit cashed my check to themselves closed my account banned me from their website so I couldn't access any help and in just a few words they called me a thief a liar a fraud they never called to verify the check. The check is good I have contacted the department of Treasury department of education even the department of Justice I did every single thing they asked me to do I even went to a office here that I had to pushing a code to get inside, the code that gave me didn't work they refuse to let me in or speak to me and basically on the very last phone call I made they quote said " we will never ever ever pay you your money '' I spent countless hours the hold times are 4 to 5 hours I would have to actually leave work early an hour and a half early so that can get on the phone and try and contact these people that they they said that they they had proven it was a fraud you in check which is absolutely not I verified it through the department of education 10 times they called me a criminal they refuse to buy their own policy they're supposed to give me my money within 60 days mailed back to my my home address they refuse they have been very nasty to me and it's my money that was issued from the department of education and I want it I will not allow them to XXXX me they have acted in a criminal manner please please help me this is literally caused so much damage to me and my XXXX I'm over XXXX XXXX XXXX and they are taking advantage of me. Please forgive any typos it's such an emotional issue I'm in tears.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77469
Submitted Via: Web
Date Sent: 2022-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-12
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: This involves a general-purpose Citibank credit card. I pay my statement in full on the due date every month and so am never charged interest on my credit-card purchases. I recently took out a " Citi flex loan, '' which carries a XX/XX/XXXX interest rate and must be paid back monthly over a number of years. The loan balance is added to your outstanding credit-card balance. I tried to make an extra payment to the flex loan, above the minimum payment required, to reduce the interest that I will pay, but Citibank says that any extra payment must first go to outstanding credit-card purchases because those carry a higher interest rate. But my next credit-card statement is not due for XXXX more weeks, so I am not being charged any interest on those credit-card purchases until then ( and will never be charged any interest, since I always pay my statement in full ). I am, on the other hand, being charged interest on the flex loan. It is very misleading and unfair to say that an extra payment must go to the credit-card purchases -- supposedly because they carry a higher rate -- when that rate is not being charged because the statement is not yet due. And there should be a way for Citibank to apply an extra payment the way the consumer asks them to -- in this case to the loan that is currently charging interest rather than the credit-card purchases, which are not accumulating any interest. Instead, Citibank pretends like it is acting in the consumer 's best interest by applying an extra payment to the " higher interest '' credit-card purchases, when in fact by doing so Citibank continues to earn interest that it should not on the flex loan.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 200XX
Submitted Via: Web
Date Sent: 2022-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Amex/Citibank , N.A customer service has been contacted several times regarding this account, I am not an authorized user of this account, I never allowed my information to be used not do I have access to this account. This is fraud I have been treated very bad and even hung up on by customer services over the last few years regarding this account. I have asked for proof that this is my account. I don't know any account information because this account does not belong to me nor do the addresses match. Please remove this account from my records.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37130
Submitted Via: Web
Date Sent: 2022-11-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-12
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I have been a Macy 's credit card account holder for more than 10 years, but hadn't used my card in around a year or more. I was in a store and asked if they could look up my XXXX so I could use the available coupons. The associate said, oh your card is expired, I'll just need a bit of information to re-activate it. This was completely inaccurate, she was actually signing me up for an entirely new XXXX with a new XXXX number. I was actually applying for new credit without understanding that I was applying for new credit. This is a very deceptive practice. If I was informed that I would have to re-apply for new credit I would have declined. This happened in XXXX or XX/XX/2022 at the Macy 's store in XXXXXXXX KS.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 64081
Submitted Via: Web
Date Sent: 2022-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-11
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I was contacted very a voice mail on XX/XX/22. I was notified by a process servers office that I needed to contact a company about a a lawsuit regarding a credit card debt. I do not have any credit card debt!!! I was told the amount is XXXX. If I would negotiate to pay XXXX they would accept that and asked to be paid immediately over the phone and I could pay with a credit card. I told them I didnt have the money and was told that I could use more then XXXX credit card to pay the XXXX. They threatened to put a lien on my car. They threatened to take me to court and it would cost me XXXX or more. I have reported this to the police!!! I have called all of the credit reporting companies and I have been told this debt allegation should be showing up on my credit report however, no debts!!! Case # XXXX and Credit card number provided by XXXX XXXX XXXX. Allegedly Citibank XXXX XXXX. Citibank collection dept doesnt have any record of this number or a record of me having a card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A