Date Received: 2022-09-28
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I am writing this letter in response to the phone letter received from you on XX/XX/2022. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this a not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Show me that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. Thank you, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33598
Submitted Via: Web
Date Sent: 2022-10-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-27
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: According to the credit reporting act these creditors have violated my rights under 15ufc1681 section 602 states that I have the right of privacy 15ufc1681A section 2 also states a consumer can not furnish an account with out my written instructions under 15ufc1666b the creditors may not treat payment on a credit card account under an open 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: AZ
Zip: 85742
Submitted Via: Web
Date Sent: 2022-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-27
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: Received a new debit/ATM card from Citi for a checking account that I did not request. I contacted them and they closed the account, and started a fraud investigation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48348
Submitted Via: Web
Date Sent: 2022-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-27
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act this credit has violated my rights under 12 USC 1681 section 6 o 2 states I have the rights to privacy 15 USC 1681 section 6 0 4a and section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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: OH
Zip: 44087
Submitted Via: Web
Date Sent: 2022-09-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-26
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: The account is closed and XXXX XXXX and XXXX has already collected their money from me. This account is CLOSED and PAID. PLEASE DELETED AND REMOVE FROM MY CREDIT REPORT
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2022-09-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-26
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Tried to send my daughter a XXXX for the amount of {$80.00} because it was a new account it flagged it for possible fraud then received an email stating my account would be closed for no reason given and that my funds would be held for 30-60 days while my account closing would be processed to expect whatever funds I had in the accounts to mailed to my current address.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92585
Submitted Via: Web
Date Sent: 2022-09-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-26
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 XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. Under 15 USC 1681 section 604A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b 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: VA
Zip: 23227
Submitted Via: Web
Date Sent: 2022-09-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-26
Issue: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: I have 3 Citi credit cards : Citi Doublecash ( member since XXXX ), Citi Diamond Preferred ( member since XXXX ) and Citi Rewards ( member since XXXX ). This past XX/XX/XXXX, I was emailed a letter which I did not really pay attention to regarding my balances for Citi Double Cash and Citi Rewards. I have always been a great standing member and just recently Citi began providing my credit score to me as well. I have always received special offers and credit increases in the years i have been a member. In the past almost 2 years, I have purchased a home and a car ( major purchases ) affecting my credit which has taken a dip but mainly due to inquiries and adjusting for these purchases. Never has this affected my ability to pay my bills and I kept my balance at about 25 % of my total credit limit so well within my utilization. In XX/XX/XXXX, Citi reduced my credit limit with no reason except for my XXXX XXXX from {$7500.00} to {$1700.00} on my Doublecash Card ( balance : {$1700.00} ) and from {$6500.00} to {$2500.00} on my Reward card ( balance : {$1800.00} ). I called multiple times, spending about an hour plus on a phone call each time. On my final attempt, I was finally able to reach a supervisor. Each time I called, I would get hung up on while the transfer was occurring and this would happen after spending at least 45 minutes ( min ) on a call- very frustrating. No one would ever state a reason to me before reaching a supervisor and told me repeatedly, they could not understand why this had occurred. Finally, about 2 weeks ago, I was able to reach a supervisor, and they told me it was because of my credit score. Citi, upon its own random doing, took it upon itself to reduce my credit by thousands of dollar, for no real reason, damaging my credit score even further. Can you imagine if every credit company decided to do this to it's customers with no good reason? How damaging this is to the credit I've established? I want NOTHING more to do with Citi- they are discriminating. What exactly is their criteria for randomly making these so called " credit checks '' - I'd like to know. I consider this complete discrimination on the company 's part and how reckless of them to hurt their consumer 's credit instead of assuring they help. This is very damaging and I NEVER want to do business with them again.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78228
Submitted Via: Web
Date Sent: 2022-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-26
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/2022 or about, from my Citibank account I sent an international wire transfer to my sister 's account in XXXX. The wire amount was {$6400.00}. The bank told me the money should be arrive in my sister 's account by XX/XX/XXXX or may be sooner. However, the funds were never delivered to her account. I called numerous times to Citibank but no one could ever provide me any details about the wire status. On XX/XX/2022 Citibank credited my account, but only for {$5300.00}. I never ask for cancelation or recalling the wire. It was Citibank own decision, but no one has an answer for me that I lost {$1100.00} ( {$6400.00} - {$5300.00} ) for WHAT? I basically was out of thid money from XX/XX/XXXX until XX/XX/XXXX, and never received the original amount.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 119XX
Submitted Via: Web
Date Sent: 2022-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-26
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Around XX/XX/2022 my account was closed after opening it in XXXX suspiciously and I have reached out to the bank multiple times to have them tell me whats going on with my account and they keep telling me that they can not provide me with that information and theyre just gon na close my account and send me my money but whoever they have a send me my money for months and its like theyre all in onto my money and every time I called they dont want to help me or they tell me I cant give you any information you got a wait you got ta wait and its been months waiting my money was taken by Citibank I strongly believe it I have XXXX in my savings account and in my checking accounts XXXX I just really care about getting my money out of my savings I dont even care about my check in because I have XXXX in my savings and it just been holding onto my money
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02301
Submitted Via: Web
Date Sent: 2022-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A