Date Received: 2022-11-08
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Ive received 2 unauthorized credit card in the mail and one letter from Best Buy saying that I applied for their card and I did no such thing! I am extremely stressed and am really trying to build my personal credit and have not made most of these inquires!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97062
Submitted Via: Web
Date Sent: 2022-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-04
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I contacted Citibank Fraud department on XXXX to inform them of various fraudulent transactions that had taken place while II was XXXX at XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX I provided Citibank with the documentation showing I was detained from XXXX and thereby unable to perform any of the transactions. Due to the nature of the transactions I was provided with a new debit card and changed my PIN number. The bank informed me the matter would be investigated and I would receive provisional credit within 10 business days. On day 10, Citibank closed the matter without any investigation. This occurred three times ( XXXX, XX/XX/2022, and XX/XX/2022 ). I requested a copy of their records regarding the investigation and have not been provided with anything. The transactions are listed below : Checking account- XX/XX/2022 ATM withdrawal Citibank ATM {$60.00} XX/XX/2022 ATM withdrawal Citibank ATM {$40.00} XX/XX/2022 ATM withdrawal Citibank ATM {$780.00} XX/XX/2022 ATM withdrawal Citibank ATM {$200.00} XX/XX/2022 ATM withdrawal Citibank ATM {$200.00} XX/XX/2022 ATM withdrawal Citibank ATM {$40.00} XXXX ATM withdrawal Citibank ATM {$260.00} XX/XX/2022 ATM withdrawal Citibank ATM {$100.00} Savings account- XX/XX/2022 ATM withdrawal Citibank ATM {$20.00} XXXX ATM withdrawal Citibank ATM {$300.00} XX/XX/2022 ATM withdrawal Citibank ATM {$40.00} XX/XX/2022 ATM withdrawal Citibank ATM {$100.00} XX/XX/2022 ATM withdrawal Citibank ATM {$60.00} XX/XX/2022 ATM withdrawal Citibank ATM {$20.00} XX/XX/2022 ATM withdrawal Citibank ATM {$800.00} XX/XX/2022 ATM withdrawal Citibank ATM {$700.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10710
Submitted Via: Web
Date Sent: 2022-11-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-05
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: In accordance with the fair credit Reporting act Macys Account # XXXX and XXXX XXXX Account # XXXX has violated my rights. 15 USC 1681 Section 602 States I have a right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 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: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-11-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-05
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have paid the company! I have sent several letters requesting verification, but there has been no response.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33179
Submitted Via: Web
Date Sent: 2022-11-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-05
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have paid the company! I have sent several letters requesting verification, but there has been no response.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33179
Submitted Via: Web
Date Sent: 2022-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-06
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I made a payment with a cashiers check that cleared through the bank on XX/XX/24 for XXXX. As of today, Citi has not credited my account. I called in a missing payment dispute on XXXX and received a response on XXXX that a {$47.00} payment had been credited- evidentially the call center person I spoke with entered the wrong amount somehow. I called back and had to start a new dispute, and the individual told me it would be 45-60 days to resolve.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 601XX
Submitted Via: Web
Date Sent: 2022-11-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-07
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: Bank = Citibank N.A. Account = basic checking account. I was charged a monthly {$12.00} account maintenance fee on : XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 The account opening packet mailed to me by Citibank asks that I maintain a combined average monthly balance in qualifying linked deposit accounts of {$1500.00} or more. The Certificate of Deposit I opened on XX/XX/2022 started off with a balance of {$1000.00}. Upon opening the CD, Citibank emailed me saying " Welcome to your Citibank savings account! '' My online account overview page shows my CD under the savings accounts section. After adding the balances in my CD and checking accounts, my total balance always exceeded {$2000.00} and often {$25000.00}. On XX/XX/2022, I mailed Citibank a physical letter including screenshots of my account overview page and their account opening packet with relevant sections highlighted. I received no response from Citibank and I was again charged a {$12.00} account maintenance fee in XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-05
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Citibank dispute department supervisor was very rude disrespectful and uncompromising. I explain to her that Ive been waiting patiently into diligently for them to conclude my investigation due to some fraudulent charges that transpired on my account. The following charges took place with the first XXXX Taken XXXX XXXX XXXX at XXXX for {$130.00} And the second one is XX/XX/2022 for {$240.00}. When I told the supervisor that I feel like they are prolonging their investigation and not taking care of it efficiently, and that I was going to be making a complaint with you all she blatantly told me that she didnt care I can tell who I want to tell and discontinue the call. I found this to be so unprofessional on her behalf and theres no way I should have to undergo this type of treatment when I am the customer and I put my trust in them to handle my finances in the most efficient way, but safe and secure. Clearly none of what I expected from this financial institution have came to pass. I demand a remedy take place in all of this come to pass rather sooner than later, because I am in the situation where I am facing XXXX, due to me, being a victim of identity theft.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77061
Submitted Via: Web
Date Sent: 2022-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-05
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: on XXXX, XXXX XXXX I have transferred my phone number from XXXX XXXX XXXX XXXX XXXX XXXX and then I tried to access my Citi Bank account but I wasn`t able to, So I contacted them on XX/XX/2022 and I asked them to fix the issue and they told me that will take a about some time to reflect the new provider and I asked them to add a new phone number to the account and they did and I reset my ATM debt card number pin with them over the phone over the recording system. and I was able to access my online account, But this Morning which is XX/XX/2022 I couldn`t able to access my online account or use the debt card and I contacted them again for about 5 times and each time they telling me that my account is under review/ blocked at the fraud department and they are not be able to verify my account and each time they hang the phone on me and they aren't able to fix the issue and I still have a balance in this account, So please help me to get the money from my account and close that account because I don`t need to work with Citi bank anymore XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76052
Submitted Via: Web
Date Sent: 2022-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-06
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I had a problem with my water heater. I called my plumber! They fixed it for me. I asked if I could pay in XXXX payments instead of XXXX total! They said XXXX, and to use XXXX! I only used it XXXX before with somebody helping me, so I was very unknowledgeable about how to do a XXXX so I ended up making a mistake putting in a phone number that was XXXX digit wrong and spent {$500.00} to somebody I do not know! I reached out to her and said, can you please XXXX me back my money never heard back from her! This was the end of XXXX so approximately XX/XX/XXXX! I went to my bank to file a complaint. They said it might take XXXX XXXX or so and at the end of XXXX XXXX they sent me a letter that said they cant help me get back that money because I sent it to her! I went back again and filed a complaint again. XXXX XXXX later same thing cant get your money back because you sent it to her! They knew that I sent it to the wrong number by XXXX digit, and I expect to get that money back! Of course I cant do small claims court because I dont have her email or her address. Otherwise I would. What else can I do to fix this? I have heard that there is protection called XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89107
Submitted Via: Web
Date Sent: 2022-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A