Date Received: 2022-10-19
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: Hello, my name is XXXX XXXX, and I'm writing to request your help in contacting this company. I attempted to contact them in order to see why someone had created an account in my name. This is a serious matter, and I'm disappointed that it's now having an effect on my credit score. I do not give anyone permission to use my name, date of birth, or any other personal information since it violates Data Privacy. They must determine who started the account in my name and simply transfer the information to that person. Kindly help me in fixing this issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53223
Submitted Via: Web
Date Sent: 2022-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-19
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: Hello, my name is XXXX XXXX, and I'm writing to request your help in contacting this company. I attempted to contact them in order to see why someone had created an account in my name. This is a serious matter, and I'm disappointed that it's now having an effect on my credit score. I do not give anyone permission to use my name, date of birth, or any other personal information since it violates Data Privacy. They must determine who started the account in my name and simply transfer the information to that person. Kindly help me in fixing this issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53223
Submitted Via: Web
Date Sent: 2022-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-19
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # 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 : It 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 a credit card account under an open end consumer credit plan as late for c purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92377
Submitted Via: Web
Date Sent: 2022-10-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-19
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I had fraudulent charges on my account that I did not get any notice about. I was notified prior about an attempt of XXXX that I did make but nothing about the fraudulent charges I did not make! I contacted the bank who said they would file a claim and I would receive credit. It's now been open 3 weeks tomorrow and I have not received any credit or any update on anything. I called last week and try said they would submit a ticket for the credit and an update, I received neither! Today I called and they said there was no update and that there was no case number ever opened, which I never received communication about. I have things I need to pay for, my mortgage check was returned, and I am out of money that I worked hard for. No one has contacted me and I have not received any update about anything. They allowed my account to be used and taken advantage of and no help from them!!! Now they want me to do another claim and for my waiting period to start! This is ridiculous.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 553XX
Submitted Via: Web
Date Sent: 2022-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-19
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Ruined my credit possibilities with this collection that doesnt belong to me. {$390.00} as of XX/XX/XXXX is reported from XX/XX/XXXX that I never received credit for.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48602
Submitted Via: Web
Date Sent: 2022-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-19
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/2022, a new hard inquiry was added to my credit report from Citi Bank. I did not try to open any new accounts with Citi Bank. I called them directly, and when searching my social security number, they have no record of me or my social linked to any open account or active application. As of XX/XX/XXXX, there are still no active accounts with my information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95843
Submitted Via: Web
Date Sent: 2022-10-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-19
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I got this in store credit card from XXXX XXXX but the company that issued the credit card is Citibank N.A.. From the start there was concerns as I was getting emails from them and in the body of the email it would say things like, Hi XXXX XXXX or Hi XXXX XXXX I was not able to login to the website to see my account information. I called them about this and they said they corrected the problem. The next time I went to use the card the account was locked and a message informed the check out person to call a number. I called them 3 different times over a month on XX/XX/XXXX, XX/XX/XXXX, XXXX at either their Customer service : XXXX ( XXXX ) XXXX or Credit card support : XXXX ( XXXX ) XXXX. On XXXX I requested to speak with a supervisor and got the same response. They won't let me cancel the account because they can't verify the phone number. They say they will call the number on file within 2 hours and this is how they verify the account. I gave them my number and asked if that was the number on file and they said Yes it was, but they never called me back to verify. Not within 2 hours. Not within 2 days. They never called me and we went through this 3 times. Card can't be used but neither can it be cancelled. The account must be tied with at least 3 other accounts as I have gotten 3 separate emails with 3 different persons names referenced in the body. I truly believe they are opening accounts and putting them in this state so they don't have to service the account but can use the accounts personal information for business purposes. There can be no other explanation as to why they have this ridiculous procedure of calling a telephone number within 2 hours to verify an account especially when they never call. I don't want Citibank to have an account for me and I don't want them to have my personal information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32177
Submitted Via: Web
Date Sent: 2022-10-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-19
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On XX/XX/XXXX and XX/XX/XXXX I made purchases at Macy 's using XXXX XXXX XXXX XXXX XXXX XXXX credit card. On XX/XX/XXXX the statement cycle ended and my bill arrived, showing the items I purchased on XX/XX/XXXX and XX/XX/XXXX, there were no other charges or items purchased during that billing cycle, with a due date of XX/XX/XXXX. On XX/XX/XXXX I returned all items purchased and received full credit in the same amount as the ending balance on my billing statement. So in my opinion, I would not owe anything on XX/XX/XXXX payment date because the account would be at {$0.00} balance for whatever was owed in that billing cycle. I did make subsequent purchases after XX/XX/XXXX, but those would be on the next billing statement since XXXX 's billing statement had already closed several weeks earlier. One would not be expected to pay for the new items purchased until one received the next credit card billing statement. When I received my next billing statement, statement close date of XX/XX/XXXX with a payment due date of XX/XX/XXXX, I noticed I was charged a late fee for not making a payment by XX/XX/XXXX. What was I going to send them, a check for {$0.00}? How does one pay a {$0.00} balance? I called the credit card company that administers the Macys XXXX XXXX credit card and had a very difficult time getting the representative to understand what the problem was. I had to repeat myself and try to explain multiple times that they can not charge a late fee when the balance for that billing cycle was already at {$0.00}, prior to the due date of that billing cycle 's payment. I think the rep finally just gave up and said he would credit me back the late fee charge. I did get him to acknowledge that this was an error on the credit card company 's side, not my error.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 161XX
Submitted Via: Web
Date Sent: 2022-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-19
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I made a mobile deposit on XX/XX/22 of {$1200.00} from XXXX XXXX XXXX to Citibank. Citibank put an 8 day hold on the deposit claiming they had information of a fraudulent deposit. No one at the bank or the phone number listed on the Notice of the Hold could explain or give me a reason. They had no evidence of any fraud. Because of their action, my rent check bounced and I was charged {$35.00} in late fees, etc.
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: 2022-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-19
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have reached out to them over and over again and I have sent a police report, FTC report and they are not willing to remove the account, this account was opened in the state of California and I have never lived there. I have even offered to do A Pay for Deletion for this account that isn't even mine.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 773XX
Submitted Via: Web
Date Sent: 2022-10-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A