Credit card -- Closing your account -- Complaint #8403690
Complaint Overview
Complaint ID: 8403690
Company: Citibank, N.A.
Product: Credit card
Sub-Product: Store credit card
Issue: Closing your account
Sub-Issue: Can't close your account
State: New York
ZIP Code: 11230
Date Received: 2024-02-22T12:00:00-05:00
Date Sent to Company: 2024-02-22T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Good Afternoon, I hope this message finds you well. I have been tirelessly contacting Macy 's since XXXX to remove two fraudulent accounts from my credit report. Despite my efforts, these accounts remain on my report, causing significant distress and hindering my ability to secure housing or obtain other credit cards. The accounts in question were not created by me but are the result of credit fraud from XXXX XXXX and Macy 's. I possess a letter from XXXX XXXX confirming that I was a victim of credit fraud. It has now been over 7 years, and these accounts are still impacting my financial stability. As a struggling XXXX XXXX trying to support my family and pay my bills, this situation has become unbearable. I kindly request that both accounts be promptly removed from my credit report, as they were created fraudulently. This reporting is false and inaccurate, and I am suffering the consequences unfairly. I would like these accounts to be deleted off my account. I would like to draw your attention to Title VI of the Consumer Credit Protection Act, which protects information collected by consumer reporting agencies such as credit bureaus. This law specifies that information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies are legally obligated to investigate disputed information. Additionally, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken based on such reports. The Fair and Accurate Credit Transactions Act, which added provisions to protect record accuracy and combat identity theft, further reinforces these protections. I appreciate your immediate attention to this matter and look forward to a swift resolution. Thank you for your understanding.
Frequently Asked Questions
What is Complaint #8403690 about?
Complaint #8403690 was filed against Citibank, N.A. regarding Credit card specifically about Closing your account. It was received by the CFPB on 2024-02-22T12:00:00-05:00.
How did Citibank, N.A. respond to this complaint?
The company responded with: "Closed with non-monetary relief". 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 card) 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.