Consumer complaint received 2021-03-24
Company: CITIBANK, N.A.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XX/XX/2021 Dear Consumer Federal Protection Bureau, Please be advised that I have never filed a complainant against a credit card company ever before. 

My Citi-Bank Card account mainly serves as a vehicle for XXXX Store Purchases which ends in the number XXXX was compromised with Costco Anywhere Visa card by Citi with an unauthorized charge against my citi-card credit card on XX/XX/2021 by XXXX XXXX ONE TIME FOR A TOTAL CHARGE OF {$540.00} DOLLARS. 

This unauthorized charge by XXXX XXXX WAS NOT APPROVED BY THE COMPLAINANT NOR DO WE KNOW HOW XXXX OBTAINED MY CITI CREDIT COSTCO ANYWHERE VISA CREDIT CARD. 

This compromised security breach of XXXX & COSTCO ANYWHERE VISA CITI CARD had caused harm by suspending my purchases opportunity at XXXX RETAIL AND RECEIVING A CREDIT REPORT ACTIVITY ALERT FROM MY XXXX CREDIT PROGRAM. MY XXXX IDENTITY THEFT MEMBERSHIP HELPS ME STAY INFORMED ABOUT THE CHANGES TO YOUR CREDIT REPORT. RECENTLY, XXXX IDENTITY THEFT PROTECTION PROGRAM RECENTLY, DETECTED ACTIVITY THAT NEGATIVELY IMPACTED DAMAGES TO MY CREDIT HISTORY SINCE CITI CREDIT COSTCO ANYWHERE VISA CREDIT CARD SENT OUT THIS DAMAGING REPORT THAT MY CREDIT CARD WAS OVER LIMIT. 

I had called the Citi-Card representative to report this illegal unauthorized charge and the representative stated they would remove the {$540.00} dollar charge and re-issued another credit Citi-Card Anywhere Costco Visa Card which arrived in the mail on XX/XX/2021. 

I had talked with the Citi-Card Representative on XX/XX/2021 regarding my suspension of charge card privileges and my credit report negative activity alert which I explained has damaged my credit card history by all 3 credit bureaus, including XXXX credit agency. The Citi-Card Representative says they can not do anything about there negative reporting against me that I am over my credit limit to 3 reporting credit agencies. 

XXXX XXXX says they are investigating many other complainants, some class action ( s ) investigations surrounding these issues and randomly lowering customers credit limits without notification to the customer card account owners causing hardships and other financial penalties which do occur. 

I pray that the Consumer Financial Protection Bureau will order Citi-Card to remove there false negative credit reports to all 3 credit bureaus due to Citi-Cards Compromising my credit information and allowing XXXX XXXX the capability to approve this illegal unauthorized one time charge of {$540.00} dollars. PLEASE INVESTIGATE CITI-CARDS POLICY AND PRACTICE TO APPROVE THERE UNAUTHORIZED CHARGES AGAINST CITI-CARD CUSTOMERS. 

THIS NEGATIVE FALSE OVER THE LIMIT REPORTING HAS CREATED DAMAGED MY FINANCIAL OPPORTUNITY TO RE-FINANCE MY HOUSEHOLD MORTGAGE AT A MUCH LOWER RATE OF INTEREST. 

I HAVE A CREDIT RATING IN THE LOWERE 720 'S RANGE. 

THANK YOU AND XXXX BLESS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief