Date Received: 2022-10-03
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: In accordance to the fair credit act this creditor violated my rights. Under 15 US C 1681 section 602 states I have the right to privacy 15 US C 1681 section 604 A section 2 it also states consumer reporting agency can not furnish an account without my written instructions. Under 15 US C 1666 B a creditor may not treat a payment on a credit card account under a open and 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: VA
Zip: 23238
Submitted Via: Web
Date Sent: 2022-10-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-03
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: My statement period closed on XX/XX/02 and the bank did not issue a statement or deposit the interest accrued. I spent over an hour trying to get an answer from the customer service reps and received no help whatsoever
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-10-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-02
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: I attempted to cancel my credit card account with CitiBank. After spending XXXX minutes on the phone with the company, and confirmation from the company that my account is cancelled, I received a email that they have opened up a new account in my name. I did not authorize this. I believe that my account is cancelled now that I called them back. However I wish to ensure this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 36526
Submitted Via: Web
Date Sent: 2022-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-02
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: XXXX has been trying to contact me repeatedly for debt either not owed due to fraud, threatening me about seizeing property I dont have. Recently last week I told them Im very sick and have had XXXX of XXXX XXXX on my XXXX and not working at the account for XXXX shouldnt be owed due to have XXXX XXXX multiple times not working having to stop working my kids XXXX XXXX me constantly in and out the XXXX XXXX XXXX XXXX due to XXXX XXXX. I lost my home I lost everything in my home. They repeatedly call either from different number and demanding me to contact other numbers to make a payment of {$1800.00} that I dont have. All American lives were at risk and I was fighting for mine. Before I even knew I had XXXX I had XXXX and just thought I was sick. But my kids were bringing it home from school so thats why my Dr wrote a note to the school stating my kids needed to go on Virtual due to the XXXX XXXX I had already with my XXXX XXXX. Please remove this debt and stop calling me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-02
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/2022 I gave my card to pay for a car ride from the airport to a hotel in XXXX XXXX. The price was {$100.00} ( USD ) and I received a receipt for that amount. Then I saw that I was charged for {$750.00}. I called Citi Visa immediately on the same day, when the charge was still pending, they recommended filing a dispute for the extra {$650.00} and not saying this was fraud, and this is what I did. The charge posted anyway and then the dispute failed, I reopened the dispute and it failed again, it's not clear to me why it failed. I did send the receipt in the initial dispute and when reopening. The background for this transaction, as I told Citi Visa, was that I had a scheduled ride from the airport to the hotel, and I was scammed, unfortunately. The scammers made me believe they work for the company I scheduled the ride with, and the only way I could get to the hotel is by paying {$100.00} for another ride which later will be reimbursed by the company. I did not ask Citi Visa for those {$100.00} even though it was fraud. I only asked for the extra {$650.00} because when I use my card to pay {$100.00} I expect to be charged exactly that, and not more. I was very surprised that Citi Visa did not refund me for the extra charge, and that they let the pending charge pass after I said that the amount was wrong. When Citi Visa declined the dispute they sent me a paper that looked like a receipt with a single curved line that maybe they think is my signature, clearly this is a paper I never saw and definitely I did not sign it, and it is not at all similar to my signature. I am not sure why they sent me this pic at all. Their main, or only, explanation for declining the dispute was that they couldn't get the money back from the merchant, which is not a good reason, they should have never paid that money to the merchant. I never contacted the merchant directly because the phone number they gave me was the phone number of the real company I used to book the original car ride. I did contact that number and they told me that they never directed me to another car ride, which is why I realized I was scammed. I could never contact the scammers directly. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98053
Submitted Via: Web
Date Sent: 2022-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-01
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, THIS CREDITOR HAS VIOLATED MY RIGHTS. UNDER 15-USC-681 SECTION 602 STATES, I HAVE THE RIGHT TO PRIVACY. 15-USC-681 SECTION 604-A SECTION 2 ALSO STATES, A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. UNDER 15-USC-1666-B STATES A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN AND 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: SC
Zip: 29485
Submitted Via: Web
Date Sent: 2022-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-02
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/2022, a family member got access to my Macy 's credit card app via my phone while unlocked, requested that my card be closed via supposedly chat, next day I notice my account was closed, called early in morning to report it to Macy 's as a mistake and tried explained and demanding they reopen my Macy 's card due to it being without permission or authorization. Got the runaround and was told flat up can't reopen it. I've read reviews that yes indeed it can be opened by similar customers of Macy 's online. I sent a XXXX complaint but prefer to make a complaint here since I am fed up with Macy 's and I've been a great customers always paying on time. the Macy 's credit card was a XXXX All I ask is to reopen my card as it was before and will make sure in the future this doesn't happe again by locking my app or online activity.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 069XX
Submitted Via: Web
Date Sent: 2022-10-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-01
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: My Macys credit was a few weeks late and they decreased my credit limit without any notification
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08618
Submitted Via: Web
Date Sent: 2022-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-01
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Macys account never late
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 953XX
Submitted Via: Web
Date Sent: 2022-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-01
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: The account in dispute is with Citibank which sold the account to XXXX XXXX. The settlement was initiated in the amount of {$3000.00}. Citibank received a check # XXXX in the amount of {$3000.00} dated XX/XX/2019 on my behalf from XXXX, XXXX. In the note, it references Account # XXXX XXXX XXXXXXXX. The check ( # XXXX ) was deposited by Citibank on XX/XX/2019. I have a copy of the deposited check that shows proof of payment and deposit. Citibank has refused to acknowledge this payment. I have repeatedly asked Citibank to rectify this matter and they have refused to. Their response is they have to record. Citibank illegally sold this account to XXXX XXXX. They have continued to report false data. I have repeatedly informed XXXX XXXX that they are attempting to collect a debt that has been successfully paid. This is having an adverse effect on my credit and both companies refuse to properly reconcile this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93551
Submitted Via: Web
Date Sent: 2022-10-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A