Date Received: 2022-10-23
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have requested verification of a negative item on my credit report. If I understand the Fair Credit Reporting Act correctly, you are required to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. But they responded XX/XX/2022 asking for more information about my dispute. I understand that The Fair Credit Billing Act requires creditors to bill correctly, that each statement be sent to the correct address, that you not ignore change of address requests, and that you facilitate disputed charges in a manner prescribed by law. The Act also stipulates that you provide lawfully requested information concerning my account upon request and in a timely manner. For that reason, I request that you please forward a notarized statement on your letterhead which will attest to your compliance to the FCBA generally and to my account specifically throughout the period I have been a customer. If any of that information is inaccurate or can not be verified, then the entire item is unverifiable.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78108
Submitted Via: Web
Date Sent: 2022-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-23
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Credit profile shows unauthorized inquires on report. XXXX, XX/XX/2022, XXXX XXXX XXXX, XX/XX/2022, XXXX XXXX XXXX XXXX XXXX, XX/XX/2022, XXXX XXXX XXXX XXXX XXXX, XX/XX/2022,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48336
Submitted Via: Web
Date Sent: 2022-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-23
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Home Depot balance was paid off twice by mistake and I can not get the money refunded. I have a XXXX XXXX dollar credit that they will not pay me. They have had this money for almost one month. I have called every seven days for 21 days ( 3 telephone calls ) trying to get either the money returned to me OR returned the money to credit card company who sent the check to them. I am told I will get it in a few days by numerous employees and 21 days later they still keep the XXXX XXXX dollars!! Balance of {$5300.00} I paid {$390.00} on XX/XX/XXXX I paid {$5000.00} on XX/XX/XXXX Balance then XXXX. And then XXXX XXXX paid {$5000.00} on XX/XX/XXXX This leves a credit of {$5000.00} As soon as I realized that the extra payment was made ( on the XXXX or XXXX ) I telephoned Home Depot and I asked for them to send the XXXX XXXX back to XXXX XXXX. Second call on XX/XX/XXXX, a " supervisor '' stated she needed more information which I provided her and I was told I would have a refund in a " few '' days and she verified my bank account. Today now 21 days later I still have no refund nor has XXXX XXXX received a refund and I called again. Now asked for the SAME information I provided on XX/XX/XXXX to the " supervisor ''. Now they say it will take an additional 17 days. Keep in mind they have kept XXXX THOUSAND dollar since XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33445
Submitted Via: Web
Date Sent: 2022-10-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-23
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/XXXX, I noticed two unauthorized ( {$22.00} and {$85.00} ) activities with my Citi/ Costco Anywhere Visa Card . I called Citi Bank to report fraudulent charges. My card ended with XXXX was closed and Citi issued me a replacement card, which was out for delivery on XX/XX/XXXX. On the night of XX/XX/XXXX, I noticed another unauthorized charge ( {$280.00} ) made with the replacement card which I HADN'T RECEIVED yet. I called Citi Bank again to report this fraudulent charge when it was still pending, but Citi 's customer service agent told me to WAIT until the charge went through to file a dispute. ( They could have canceled the transaction and stopped the payment AT THAT TIME!!! ). I didn't activate my replacement credit card until XX/XX/XXXX and avoided using it for fear of further fraudulent activities with this card. Ever since then, I have received numerous email messages from Citi Bank, asking me to reply with required information to help with the investigation, which I did. On XX/XX/XXXX, I paid off all the balance on the Citi/ Costco credit card ending in XXXX and cancelled the card because I have been so tired of the hassles of inefficient investigation,. On XXXX XXXX, I received a message from Citi Bank, telling me that their Billing Department completed the investigation and transfer my case to their Security Investigation Department. They also decided that it is MY RESPONSIBILITY to pay {$280.00}, so they charged it to my credit card ending with XXXX ( THIS IS a FRAUDULENT charge! ). On XXXX XXXX, I called both Citi 's Billing Department and Security Department and talked to them for hours. The security department said they couldn't access my case since it was just transferred to their department and the Billing department told me that I don't have to worry about the payment until XXXX. However, I will have to pay the LATE FEE if I don't pay the {$280.00} charged by Citi Bank. On XXXX XXXX, I logged into my Citi Bank account and noticed that I was issued another replacement Citi/ Costco Visa card, which I DIDN'T REQUEST AND DIDN'T WANT. I called Citi 's Customer Service to cancel the card and asked them to put the unauthorized charge of {$280.00} under the " fraudulent dispute '' instead of " purchase dispute ''. Unfortunately, the customer service agent DIDN'T INFORM me that cancelling the unwanted/ unrequested Citi/ Costco credit card would make my Costco membership number INVALID and I wouldn't be able to access my Citi online account any more! On XX/XX/XXXX, I replied a call from Citi Security Investigation Department and had to provide the same information that I had done every time I called Citi Bank. The agent from Security Department told that I will have to call back to get updated information regarding their investigation. They WON'T REACH OUT to me for any updates!!! I also noticed that I was not able to log into my Citi Bank account on XXXX XXXX. On XX/XX/XXXX, I realized that my Costco membership number was invalid because I called Citi Bank on XX/XX/XXXX and asked them to move my case under " fraudulent dispute ''. On XXXX XXXX, I called Citi 's Customer Service and asked them about how they had the right to make any changes of my Costco membership number after I closed and cancelled the Citi/ Costco credit card . They said it was Costco 's responsibility. I asked how I will be notified of any message about the investigation and the agent said I will get it from mail ( This is different from what I was told on XX/XX/XXXX! ). I am really tired of and frustrated about my experience with Citi Bank regarding how they handled the fraudulent reports.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46062
Submitted Via: Web
Date Sent: 2022-10-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-23
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I mailed a dispute to XXXX on XX/XX/2022 via certified mail tracking number XXXX. XXXX received the item on XX/XX/2022. A copy of the certified mail receipt is attached. My dispute was about a Department Stores National Bank ( DSNB ) now XXXX/Citibank NA reporting an account where DSNB/XXXX/Citibank NA tried to sue me in court over the account however, the case was voluntarily dismissed by DSNB/XXXX/Citibank NA. I have provided XXXX with a copy of the lawsuit complaint and a copy of the dismissal ( the case was dismissed by DSNB/XXXXXXXXCitibank NA 's attorney which I will attach a copy of the complaint and dismissal to this complaint. On XX/XX/2022, I received a letter from XXXX dated XX/XX/2022 written in XXXX ( I don't speak XXXX and my language is English ) informing me of the results of the dispute investigation and from what I can make out and translate it seems as if XXXX is claiming that the information has been verified as accurate therefore XXXX will not delete the account from my credit report. All future communications should be in English only. The account reflected on my credit report also fails to state, lack, or is missing the statement or notation that the information is disputed by the consumer which may be a violation of the FCRA. I don't believe that XXXX is properly investigating my dispute and is just allowing the creditor to claim that the information is verified as correct and leaving the account on my credit report. How can an investigation take only nine days? Additionally, I don't believe that DSNBXXXX/Citibank has no intentions of collecting this alleged debt because any renewing or refiling of any lawsuit against me regarding the same claim and account would be subject to O.C.G.A. 9-2-61 and O.C.G.A. 9-11-41. Additionally, discovery request were filed in the lawsuit filed against me that has now been dismissed and DSNB/XXXX/Citibank NA nor their attorney never responded to. Pursuant to Georgia law O.C.G.A 9-11-33 ( a ) ( 2 ), 9-11-34 ( b ) ( 2 ), and 9-11-36 ( a ) ( 2 ), the party upon whom the discovery has been served shall serve a copy of the answers, and objections if any, within thirty ( 30 ) days after the service of the discovery request, except that a defendant may serve answers or objections within 45 days after service of the summons and complaint upon that defendant. The court may allow a shorter or longer time at the courts discretion. The party submitting the interrogatories may move for an order under subsection ( a ) of Code Section 9-11-37 with respect to any objection to or other failure to answer any discovery motion/request. In regard to the request for admissions, pursuant to O.C.G.A. 9-11-36 ( a ) ( 2 ) the matter is admitted unless, within 30 days after service of the request or within such shorter or longer time as the court may allow, the party to whom the request is directed serves upon the party requesting the admission a written answer or objection addressed to the matter, signed by the party or by his attorney. Any matter admitted under this Code section is conclusively established unless the court, on motion, permits withdrawal or amendment of the admission O.C.G.A. 9-11-36 ( b ). DSNB/XXXX/Citibank NA is refusing to remove this account from my credit report in retaliation of a lawsuit that they filed against me that their attorney dismissed and is only continuing to report this account on my credit report for the purposes of and with the intent to annoy, harass, intimidate, embarrass, and humiliate me and is nothing more than an effort to make it difficult for me to apply for and/or obtain credit and or to have to pay a higher interest rate or receive a lower credit limit if extended a line of credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30066
Submitted Via: Web
Date Sent: 2022-10-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-23
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Citibank closed my credit card acccount during the pandemic, and seized my baluable reward points I had accumulated on the card! XXXX XXXX credit cardholders have had their credit limits slashed or their credit cards closed in just the first XXXX months of 2021. This happened to XXXX out of XXXX credit cardholders, according to a report by online financial marketplace XXXX XXXX. It's due to banks reducing their risks during the Coronavirus pandemic, and it has hurt millions of consumers - like me - by lessening their XXXX scores by often XXXX or more points. To make matters even worse, in my specific case, my Citibank ThankYou Preferred card was closed abruptly by the bank. I received a curt letter in the mail advising me of the closure. What was NOT addressed in that letter were the XXXX ThankYou Points that were in my account. These are points that I earned, belonged to me, and could be used for airline trips, retail purchases, hotel stays, etc. They are valuable, and Citibank confiscated them with little notice and without providing me an option to spend them, redeem them, or transfer them. They just commandeered them. It was a pure greed XXXX by Citibank of my personal property that I earned and owned. And, I'm pretty sure they did this to hundreds of thousands of their customers. I believe the Federal government must intervene on behalf of the consumer public on these personal property XXXX. Please assist me and numerous others.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90068
Submitted Via: Web
Date Sent: 2022-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-23
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I need help to solve this problem that affects me with citi bank itself I have a negative account fraudulently opened based on identity theft, this credit card account opened with Macys credit card ( citibank ) I never applied or requested said account I contacted the bank and they They say that this account is mine without proof I went to the police department I made my identity theft report and the accounts opened under my information, since they are affecting me in my credit report please help me and eliminate this account. # XXXX I am receiving calls every day at all hours to collect a debt that is not mine, please I need help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07522
Submitted Via: Web
Date Sent: 2022-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-23
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: CBNA bank accessed my credit report on XX/XX/2022 and did a hard inquiry on my credit. I never authorized CNBA to access my report. Much less, I dont even know who or what company this is. This inquiry has had a negative impact on my credit report among all 3 major Credit Reporting Agencies.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28451
Submitted Via: Web
Date Sent: 2022-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-24
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Prior to my annual fee being charged, I downgraded my citibank world elite prestige card with a {$490.00} annual fee to a citi rewards plus card with no annual fee. Citi charged my account with an annual fee, along with an additional user fee of {$75.00} as if I still had the original card and not the downgraded card. I called and after multiple calls, they refunded my {$490.00} annual fee but never refunded my {$75.00} additional user fee. I am going on XXXX phone calls to the company where their representatives will promise to take care of the charge, then get me off the phone and never follow through. They will tell me to call them back in XXXX business days. They have asked me to mail them a copy of my statement that I am looking at online in the portal that they provide but apparently " do not see that charge ''. I am typing this while I am on my XXXX phone call and currently XXXX hours into my ordeal of trying to speak to a supervisor since I believe that their request to have me call them back in XXXX business days is unacceptable since I have been calling multiple times on this charge for well over a month. I have the sense that citi is stalling me until I refuse to call them back and just accept that they are ok to steal my {$75.00} dollars that is due to me. I refuse to do so and will continue to fight and notify as many other consumers about citi 's poor business practices.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21014
Submitted Via: Web
Date Sent: 2022-10-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-23
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: On XX/XX/2021 I had my XXXX XXXX loan for {$23000.00} deposited into my Citibank checking account. Citibank immediately froze my account and I was told by their fraud department that they will have to investigate the funds. After about 2 months they closed all my accounts and said they will return the money to XXXX. It has been over a year now and XXXX has not received the funds back. My loan is still active and I'm due to start making payments on it. I've called Citibank XXXX XXXX XXXX and spent hours at a time trying to get someone to help me figure out why they haven't returned the money and to provide something in writing that shows why and where my loan funds went. They refuse to do so and most of the time the representatives just hang up on me after spending almost 2 hours at a time on the phone. Their call center is outsourced and it is very hard to understand and communicate with their agents and they are very unhelpful. They keep telling me they will need to talk to someone in the " back office '' and they transfer me there but either they hang up or I would just be on hold for hours without anyone answering my call. I went into the branch and they also have to call the same number and go through the same process customers do so going into a branch was no help at all. Please help me get my loan returned back to XXXX. I don't want to be stuck paying a loan for 30 years that Citibank stole from me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95307
Submitted Via: Web
Date Sent: 2022-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A