Credit reporting, credit repair services, or other personal consumer reports -- Improper use of your report -- Complaint #4405933
Complaint Overview
Complaint ID: 4405933
Company: Citibank, N.A.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Credit inquiries on your report that you don't recognize
State: Pennsylvania
ZIP Code: 19401
Date Received: 2021-05-25T12:00:00-05:00
Date Sent to Company: 2021-05-26T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On Sunday XX/XX/XXXX, XXXX- I had paid my Best Buy/Citibank credit card in full. After that decided to file for a credit increase online on their site due to my frequent use of the card. The following webpage ask for the standard information and I'd clicked submit. Shortly after I received a notification stating I had an hard inquiry from XXXX. Shortly after I immediately contacted Best Buy credit services customer service and explained the situation. I'd told them that if I was informed that there was going to be a hard inquiry, I would had passed on going forward on filing for the credit increase. They was unfortunately of no help and stated it was policy. The following business day I contacted XXXX and was told to the get a letter of the deletion from the company who pull the hard inquiry. Once again Best Buy/Citibank was of no help at all. A XXXX representative told me the only way going forward was to file an FTC complaint and file a police report.
Frequently Asked Questions
What is Complaint #4405933 about?
Complaint #4405933 was filed against Citibank, N.A. regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2021-05-25T12:00:00-05:00.
How did Citibank, N.A. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting, credit repair services, or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Citibank, N.A.?
Yes, visit the Citibank, N.A. company profile at readthecomplaint.com/company/citibank-n-a to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.