{"took":188,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":1884,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"2871796","_score":17.389303,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I was notified by Chase XXXX Fraud Department that my XXXX XXXX Credit Card had a questionable charge around {$9000.00} at a XXXX XXXX XXXX location somewhere in Georgia. I verified that this was a fraudulent transaction and both my wife and I were in possession of our cards. \n\nChase asked me if I received the new card I recently requested and I told them I had not requested a card. They told me someone requested a card in my name to be shipped to my home and it was delivered. I work from home and my office is adjacent to the front door and XXXX had not delivered a card. I asked them how someone could request a card and they told me the person provided my security answer. I told them that my security answer was not written down and only applied to this account. I then changed my security answer and they cancelled both the old card and the new one they issued only in my name. They sent my wife and I new cards, which we validated upon receipt. \n\nI then asked the Fraud Department how anyone could have obtained my security answer and the supervisor told my they had not asked for my security answer as the phone number showing on their end was my home phone. My wife and I were home when Chase received the request for a card under my name and we live alone. We did not call to request a card. Chase has changed their story several times regarding the procedure for issuing a new card without verifying who they were speaking to. It is my opinion that someone in their Fraud Department is scamming customer accounts. They told me that this was impossible and I then asked how they issued a card to me that I did not request without verifying who I was and how they delivered it when I was home all day and no one came to the door. \n\nI requested someone in the executive department contact me and have had no response. I work as a XXXX  to the XXXX XXXX in XXXX and my wife is a XXXX XXXX. I am home unless I am on the road for business.","date_sent_to_company":"2018-04-13T18:11:15.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"315XX","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"2871796","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2018-04-11T19:06:39.000Z","state":"GA","company_public_response":null,"sub_issue":"Sent card you never applied for"},"highlight":{"complaint_what_happened":["I then asked the Fraud Department how anyone could have obtained my <em>security</em> answer and the supervisor told my they had not asked for my <em>security</em> answer as the <em>phone</em> number showing on their end was my <em>home</em> <em>phone</em>. My wife and I were <em>home</em> when Chase received the request for a <em>card</em> under my name and we live alone. We did not call to request a <em>card</em>. Chase has changed their story several times regarding the procedure for issuing a new <em>card</em> without verifying who they were speaking to."],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"issue":["Getting a <em>credit</em> <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["Sent <em>card</em> you never applied for"]},"sort":[17.389303,"2871796"]},{"_index":"complaint-public-v1","_id":"2846121","_score":17.077782,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"XXXX XXXX was using my social security number opened a credit card at Home Depot ( last fouXXXX digits of account : XXXX ) on XX/XX/18. The information was given to me at Home Depot in XXXX, Fl by a Home Depot Manager. Home Depot : XXXX XXXX XXXX XXXX, XXXX, FL XXXX-Phone Number : XXXX","date_sent_to_company":"2018-03-17T14:44:30.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"Store credit card","zip_code":"23453","tags":null,"has_narrative":true,"complaint_id":"2846121","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2018-03-17T13:58:53.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["XXXX XXXX was using my social <em>security</em> number opened a <em>credit</em> <em>card</em> at <em>Home</em> Depot ( last fouXXXX digits of account : XXXX ) on XX/XX/18. The information was given to me at <em>Home</em> Depot in XXXX, Fl by a <em>Home</em> Depot Manager. <em>Home</em> Depot : XXXX XXXX XXXX XXXX, XXXX, FL XXXX-<em>Phone</em> Number : XXXX"],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"sub_product":["Store <em>credit</em> <em>card</em>"],"sub_issue":["<em>Credit</em> <em>card</em> company isn't resolving a dispute about a purchase on your statement"]},"sort":[17.077782,"2846121"]},{"_index":"complaint-public-v1","_id":"4235786","_score":16.844639,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"On XX/XX/21 I had new tires installed at XXXX XXXX XXXX store in XXXX, MN. Went to pay and card was declined. After 2 hours of phone calls at store and 3 attempts to use Citi Card, Mastercard, I was assured 3 times this would work. Being about 40 miles from home had no way to pay other than open a store card account. Fortunately i have EXCELLENT credit score and the card was from XXXX XXXX where i have a sizable IRA account. \nAfter i got home I contacted Citi Card and tried to have hold lifted. Seem like you have to have bank of phones with text messages. Have one but I use Caption Call so it has a different number than the phone 's XXXX number. It is for hearing impaired number with captioned dialogue. Have one at home on my VOIP Phone also. They refused to tell me why exactly the card was on hold other then security reasons. Last charge was autopay on the XXXX for internet service, but XXXX payment on Autopay was declined. XXXX waived late fees due to my longstanding as a customer and bill was paid online using another card from XXXX XXXX I had at home. This has happened in the past also at least 3 times the card was locked or number changed by Citi Card for so called security reasons. They do not tell you this or just let it go through and contact you. All charges are pended for at least 2 days or longer. This would be much more convenient to customer than leaving them stranded at store. It wasn't that i could just put the tires back on shelf and walk out. Please look into Citi Cards Fraud Protection Department for their policies and actions.","date_sent_to_company":"2021-03-22T13:14:44.000Z","issue":"Trouble using your card","sub_product":"General-purpose credit card or charge card","zip_code":"550XX","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"4235786","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2021-03-22T12:32:00.000Z","state":"MN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Can't use card to make purchases"},"highlight":{"complaint_what_happened":["Went to pay and <em>card</em> was declined. After 2 hours of <em>phone</em> calls at store and 3 attempts to use Citi <em>Card</em>, Mastercard, I was assured 3 times this would work. Being about 40 miles from <em>home</em> had no way to pay other than open a store <em>card</em> account. Fortunately i have EXCELLENT <em>credit</em> score and the <em>card</em> was from XXXX XXXX where i have a sizable IRA account. \nAfter i got <em>home</em> I contacted Citi <em>Card</em> and tried to have hold lifted. Seem like you have to have bank of <em>phones</em> with text messages."],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"issue":["Trouble using your <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["Can't use <em>card</em> to make purchases"]},"sort":[16.844639,"4235786"]},{"_index":"complaint-public-v1","_id":"3064965","_score":16.478996,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"On Sat evening at about XXXX I called State Farm bank to cancel or report my card lost. I was driving. I provided full name, address, social security #. Phone numbers. Authorized users. I was unable to provide account number as card was lost. They asked for a security question that I did not know. I could not answer a text as I was driving. The company refused to accept my request to block the card. I advised I was not looking for reissue at that time ... wanted the card blocked. They refused -stated that they could not confirm my identity. I provided home phone number, approximate balance, approximate credit limit, last purchase, last payment ... state farm agent. \n\nthe process promotes fraudulent use of a card when a consumer is providing due diligence in their efforts to protect the account.","date_sent_to_company":"2018-11-09T18:51:41.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"130XX","tags":"Older American","has_narrative":true,"complaint_id":"3064965","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"STATE FARM BANK, FSB","date_received":"2018-11-04T01:17:48.000Z","state":"NY","company_public_response":null,"sub_issue":"Can't close your account"},"highlight":{"complaint_what_happened":["I provided <em>home</em> <em>phone</em> number, approximate balance, approximate <em>credit</em> limit, last purchase, last payment ... state farm agent. \n\nthe process promotes fraudulent use of a <em>card</em> when a consumer is providing due diligence in their efforts to protect the account."],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"]},"sort":[16.478996,"3064965"]},{"_index":"complaint-public-v1","_id":"7148730","_score":16.010271,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I was offered a promotional deal/discount from Home Depot . {$25.00} off initial purchase if you applied/got approved for a CITIBANK ( Home Depot ) card. So I applied, got approved, and made a one-time online ( Home Depot ) purchase. But I never received a bill, nor credit card, from CITIBANK... so I was only able to use the card once. The only thing I ever received from them was an overdue bill notice via email. The email gave a phone number to call for questions regarding the notice. But when I REPEATEDLY called, the automated prompt asked for either a credit card number or last XXXX digits of your social security number to continue. I punched in my social security number ( never received the card, so I didn't have a credit card number ), but got a response stating my account had been cancelled ... and was promptly disconnected. Seriously, how can you pay a bill if a company ( CITIBANK ) never sends it?! So I ended up filing a XXXX complaint against them. ( I paid for the purchase, but refuse to pay a late fee & interest. )","date_sent_to_company":"2023-06-21T21:50:22.000Z","issue":"Problem when making payments","sub_product":"General-purpose credit card or charge card","zip_code":"934XX","tags":"Older American","has_narrative":true,"complaint_id":"7148730","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2023-06-21T21:37:49.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"You never received your bill or did not know a payment was due"},"highlight":{"complaint_what_happened":["I was offered a promotional deal/discount from <em>Home</em> Depot . {$25.00} off initial purchase if you applied/got approved for a CITIBANK ( <em>Home</em> Depot ) <em>card</em>. So I applied, got approved, and made a one-time online ( <em>Home</em> Depot ) purchase. But I never received a bill, nor <em>credit</em> <em>card</em>, from CITIBANK... so I was only able to use the <em>card</em> once. The only thing I ever received from them was an overdue bill notice via email. The email gave a <em>phone</em> number to call for questions regarding the notice."],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"]},"sort":[16.010271,"7148730"]},{"_index":"complaint-public-v1","_id":"8246358","_score":16.009413,"_source":{"product":"Credit card","complaint_what_happened":"I signed up for the XXXX Synchrony home credit card in XX/XX/XXXX. I spoke with a representative via phone to finalize my application and make sure we were approved for the total cost of the XXXX  couch. \n\nI went into the synchrony system today to payoff the credit card and noticed my statement had fees for \" PYMT CARD SECURITY '' ranging from XXXX XXXXXXXX each month. I distinctly recall telling the representative that I did NOT want to sign up for the debt cancellation program. I just requested a refund for the amount today along with interest charged. They said it was selected electronically, but I spoke with a rep via phone to verify my information. \n\nThe credit security rep also is showing an amount to refund on the XX/XX/XXXX statement for {$89.00}, however, my statement shows {$92.00}.","date_sent_to_company":"2024-01-29T17:43:12.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"Store credit card","zip_code":"64086","tags":null,"has_narrative":true,"complaint_id":"8246358","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2024-01-29T17:21:24.000Z","state":"MO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["I signed up for the XXXX Synchrony <em>home</em> <em>credit</em> <em>card</em> in XX/XX/XXXX. I spoke with a representative via <em>phone</em> to finalize my application and make sure we were approved for the total cost of the XXXX  couch. \n\nI went into the synchrony system today to payoff the <em>credit</em> <em>card</em> and noticed my statement had fees for \" PYMT <em>CARD</em> <em>SECURITY</em> '' ranging from XXXX XXXXXXXX each month. I distinctly recall telling the representative that I did NOT want to sign up for the debt cancellation program."],"product":["<em>Credit</em> <em>card</em>"],"sub_product":["Store <em>credit</em> <em>card</em>"],"sub_issue":["<em>Card</em> was charged for something you did not purchase with the <em>card</em>"]},"sort":[16.009413,"8246358"]},{"_index":"complaint-public-v1","_id":"8212125","_score":15.807964,"_source":{"product":"Credit card","complaint_what_happened":"XX/XX/2024 XXXX to XXXX American Express security XXXX XXXX XXXX XXXX ) XXXX ) called me and stated that I have an unusual credit card transaction, and probably someone stole my identity to open a credit card account and need to confirm my personal information including name, phone number, home address and social security number. After that, they transferred me to the XXXX police department and had a virtual meeting with them for police report. I exposed my face my voice and personal identity during the XXXX call and end up realized they are identity theft.","date_sent_to_company":"2024-01-24T03:04:39.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"11375","tags":null,"has_narrative":true,"complaint_id":"8212125","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2024-01-24T02:44:50.000Z","state":"NY","company_public_response":null,"sub_issue":"Privacy issues"},"highlight":{"complaint_what_happened":["XX/XX/2024 XXXX to XXXX American Express <em>security</em> XXXX XXXX XXXX XXXX ) XXXX ) called me and stated that I have an unusual <em>credit</em> <em>card</em> transaction, and probably someone stole my identity to open a <em>credit</em> <em>card</em> account and need to confirm my personal information including name, <em>phone</em> number, <em>home</em> address and social <em>security</em> number. After that, they transferred me to the XXXX police department and had a virtual meeting with them for police report."],"product":["<em>Credit</em> <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"]},"sort":[15.807964,"8212125"]},{"_index":"complaint-public-v1","_id":"17362748","_score":15.677464,"_source":{"product":"Credit card","complaint_what_happened":"On XX/XX/2025 I got a text asking me to register to access a new Home Depot Consumer Credit Card. I did NOT every apply for such a card, so I responded STOP. Yesterday, XX/XX/XXXX, I got a bill in the mail from Home Depot saying there was a charge of {$650.00} on a Home Depot credit card that was opened up under my name with an account ending with the number XXXX. I called Home Depot, told them I NEVER opened up an account, and they said they would cancel the debt and begin their own internal investigation. They would send me information about that investigation in the mail. I also ran a credit check with XXXX. XXXX  shoed the same charge that was made to a credit card THD/CBNA with an account number XXXX. An address XXXX XXXX XXXXXXXX, XXXX XXXX SD XXXX and a phone number XXXX is listed with account. I tried to call them, but they wanted me to type in my full social security number to get information and I declined. I filed a Fraud Alert with XXXX.","date_sent_to_company":"2025-11-19T20:33:51.000Z","issue":"Getting a credit card","sub_product":"Store credit card","zip_code":"63114","tags":null,"has_narrative":true,"complaint_id":"17362748","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2025-11-19T20:11:21.000Z","state":"MO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card opened without my consent or knowledge"},"highlight":{"complaint_what_happened":["On XX/XX/2025 I got a text asking me to register to access a new <em>Home</em> Depot Consumer <em>Credit</em> <em>Card</em>. I did NOT every apply for such a <em>card</em>, so I responded STOP. Yesterday, XX/XX/XXXX, I got a bill in the mail from <em>Home</em> Depot saying there was a charge of {$650.00} on a <em>Home</em> Depot <em>credit</em> <em>card</em> that was opened up under my name with an account ending with the number XXXX."],"product":["<em>Credit</em> <em>card</em>"],"issue":["Getting a <em>credit</em> <em>card</em>"],"sub_product":["Store <em>credit</em> <em>card</em>"],"sub_issue":["<em>Card</em> opened without my consent or knowledge"]},"sort":[15.677464,"17362748"]},{"_index":"complaint-public-v1","_id":"3496280","_score":15.642361,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"On XX/XX/2020 I tried to use my Capital One credit card to pay the copay on a medical procedure and it was declined. When I called to find out why the representative told me my account was restricted and would not tell me why until he \" verified '' the account. \nI refused to give my cell phone number ( they do not have it as far as I know. ) and what told he could call my home number but I had to stay on the line. I was calling from my cell phone and my home phone calls are forwarded to my cell phone. This would necessitate me disconnecting/holding the cell phone call in order to answer the forwarded home call. \nThe rep then said I had to provide my state issued ID card front and back in order to release the restriction on the account. This puts my identity as more risk because they already have my social security number and have had a recent breach. \nI asked to speak to a supervisor and after a long wait was transferred to a representative in the US. ( I confirmed that the company outsourced there customer service to XXXX or the like with XXXX XXXX, a supervisor. ) XXXX mentioned that general reasons for restricting an account have to do with \" additional concerns '' and would not go beyond that information ... other than implying that my card was restricted due the homeland security and the Patriot Act. \nThis is ludicrous. The Patriot Act was put in place to protect America against terrorism and potential terrorist acts. \nWhen I questioned XXXX on why I was not sent a notification via email that there was a problem with my card and \" potential identity theft '' he responded that not all card holders have an email address. However, Capital One sends me about three email messages per month and this did not seem like a truthful answer. \nI have no idea why this happened. I have been a card member with Capital One for about ten years. I pay on time and over the minimum amount each month.\n\nIt seems unlawful and against US Code to require images of an ID card to be sent through the internet to release a freeze on an account. A freeze that seemingly has no legitimate reason and no indication is disclosed to the card holder. Additionally, they refused to report the card lost or stolen and issue a new card.","date_sent_to_company":"2020-01-14T15:20:52.000Z","issue":"Trouble using your card","sub_product":"General-purpose credit card or charge card","zip_code":"33604","tags":null,"has_narrative":true,"complaint_id":"3496280","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2020-01-14T14:58:21.000Z","state":"FL","company_public_response":null,"sub_issue":"Can't use card to make purchases"},"highlight":{"complaint_what_happened":["I was calling from my cell <em>phone</em> and my <em>home</em> <em>phone</em> calls are forwarded to my cell <em>phone</em>. This would necessitate me disconnecting/holding the cell <em>phone</em> call in order to answer the forwarded <em>home</em> call. \nThe rep then said I had to provide my state issued ID <em>card</em> front and back in order to release the restriction on the account. This puts my identity as more risk because they already have my social <em>security</em> number and have had a recent breach."],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"issue":["Trouble using your <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["Can't use <em>card</em> to make purchases"]},"sort":[15.642361,"3496280"]},{"_index":"complaint-public-v1","_id":"6510139","_score":15.610859,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I have been an excellent customer with a Capital One Venture Card for many years. \nAfter my card apparently was compromised ( probably during a trip a couple of weeks ago ), Capital One has insisted repeatedly that they need my mobile phone number for security purposes before sending me a new card. They never mentioned anything about using email as an alternative. \nThis makes absolutely no sense. I have been living at my current address for over 8 years, and they would have been sending my new card here to this address. Also, I was telephoning them from my home phone number, and their recording even stated that I was calling from the number that they had on file. \nIn my opinion, this was an attempt to obtain my mobile phone number ( which I try to protect -- and yes, I do realize that it is a losing battle ). This had absolutely nothing to do with security. \nSo, I literally ended up closing my Capital One credit card account over this. \nI would also like to add that I received an email stating that Capital One was going to send me a new card ( even though they did not ). \n\nThank you.","date_sent_to_company":"2023-02-14T14:13:43.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"20815","tags":null,"has_narrative":true,"complaint_id":"6510139","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2023-01-31T21:58:02.000Z","state":"MD","company_public_response":null,"sub_issue":"Privacy issues"},"highlight":{"complaint_what_happened":["I have been living at my current address for over 8 years, and they would have been sending my new <em>card</em> here to this address. Also, I was telephoning them from my <em>home</em> <em>phone</em> number, and their recording even stated that I was calling from the number that they had on file. \nIn my opinion, this was an attempt to obtain my mobile <em>phone</em> number ( which I try to protect -- and yes, I do realize that it is a losing battle ). This had absolutely nothing to do with <em>security</em>."],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"]},"sort":[15.610859,"6510139"]},{"_index":"complaint-public-v1","_id":"5251209","_score":15.607741,"_source":{"product":"Debt collection","complaint_what_happened":"A like 6years ago my purse whent missing along with my cards Bank cards cell phone and important paper work I.D and social security card ever seens then someone has been using my Identity for credit cards or to purchase things i login my XXXX XXXX  and there is a debit collection on there for XXXX XXXXXXXX for credit card for XXXX dollars it's been there for a while it's effecting my credit and I can't buy a home or buy a car because of it","date_sent_to_company":"2022-02-23T07:23:52.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"850XX","tags":null,"has_narrative":true,"complaint_id":"5251209","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Resurgent Capital Services L.P.","date_received":"2022-02-23T02:08:09.000Z","state":"AZ","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["A like 6years ago my purse whent missing along with my cards Bank cards cell <em>phone</em> and important paper work I.D and social <em>security</em> <em>card</em> ever seens then someone has been using my Identity for <em>credit</em> cards or to purchase things i login my XXXX XXXX  and there is a debit collection on there for XXXX XXXXXXXX for <em>credit</em> <em>card</em> for XXXX dollars it's been there for a while it's effecting my <em>credit</em> and I can't buy a <em>home</em> or buy a car because of it"],"sub_product":["<em>Credit</em> <em>card</em> debt"]},"sort":[15.607741,"5251209"]},{"_index":"complaint-public-v1","_id":"6325940","_score":15.5738325,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"My Home Depot Credit Card number got stolen when i called a home depot costumer service number ( XXXX ) and i was ask for my card number during the call for status on a shipment on a appliance order i had made on XX/XX/XXXX. I reported the card number stolen as soon that i received an text alert 2 day later to my cell phone saying that a charge of {$1200.00} was charge to my card from a XXXX store when i live in XXXX XXXX. I immediately call them and they said that they will close my account, credit or refund the charge back to my account and replace my card. They replace the card but the charge still shows in my account. 5 days later a call their Fraud department and they told me that the investigation has not been file ; so once again i had to tell them what happened ( again ). they told me that i will have to wait. \n\nAll I want is for the fraudulent charge of {$1200.00} that i didn't authorize or made to be credit it back to my account. I don't have to wait for their mistakes or security problems. \n\nIts pretty obvious that they have some security issues and internal problems when it comes to consumer information security. \n\nI just want for this to be resolve. \n\nThank you, XXXX XXXX XXXX","date_sent_to_company":"2022-12-15T14:09:51.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"Store credit card","zip_code":"00969","tags":null,"has_narrative":true,"complaint_id":"6325940","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2022-12-15T13:39:23.000Z","state":"PR","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["My <em>Home</em> Depot <em>Credit</em> <em>Card</em> number got stolen when i called a <em>home</em> depot costumer service number ( XXXX ) and i was ask for my <em>card</em> number during the call for status on a shipment on a appliance order i had made on XX/XX/XXXX. I reported the <em>card</em> number stolen as soon that i received an text alert 2 day later to my cell <em>phone</em> saying that a charge of {$1200.00} was charge to my <em>card</em> from a XXXX store when i live in XXXX XXXX."],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"sub_product":["Store <em>credit</em> <em>card</em>"],"sub_issue":["<em>Credit</em> <em>card</em> company isn't resolving a dispute about a purchase on your statement"]},"sort":[15.5738325,"6325940"]},{"_index":"complaint-public-v1","_id":"15756468","_score":15.557507,"_source":{"product":"Credit card","complaint_what_happened":"In late XX/XX/year>, I received both a credit card and debit card from Chime ( the financial technology company ) with my name on it. This card was sent to my home address, but I never signed up for these cards. Additionally, my credit has been frozen for the past year, so there is no way Chime would have been able to access my credit to approve me for this card. I called Chime to close the account, but they were of no use. They stated that they would not be able to help me without me providing them with my social security number and home address, among other things. This is despite me offering to provide them the account number that was detailed in the letter I received from Chime as well as the number on the credit and debit cards. To then see if there was a way around their system, I told the Chime employee that I do not have a social security number ( which is of course not true ), which is why I was concerned as to how these cards were opened. I was then put on hold by the Chime employee, who never returned to resume the call. The phone number that I had called was XXXX ( XXXX ) XXXX.","date_sent_to_company":"2025-09-06T00:18:30.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"30542","tags":null,"has_narrative":true,"complaint_id":"15756468","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2025-09-05T23:52:28.000Z","state":"GA","company_public_response":null,"sub_issue":"Card opened without my consent or knowledge"},"highlight":{"complaint_what_happened":["In late XX/XX/year>, I received both a <em>credit</em> <em>card</em> and debit <em>card</em> from Chime ( the financial technology company ) with my name on it. This <em>card</em> was sent to my <em>home</em> address, but I never signed up for these cards. Additionally, my <em>credit</em> has been frozen for the past year, so there is no way Chime would have been able to access my <em>credit</em> to approve me for this <em>card</em>. I called Chime to close the account, but they were of no use."],"product":["<em>Credit</em> <em>card</em>"],"issue":["Getting a <em>credit</em> <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["<em>Card</em> opened without my consent or knowledge"]},"sort":[15.557507,"15756468"]},{"_index":"complaint-public-v1","_id":"16890472","_score":15.477177,"_source":{"product":"Checking or savings account","complaint_what_happened":"on XX/XX/year>XXXX  I received both a debit card and a credit from Welss Fargo which I never requested. I called company attempted to have the account closed, and they informed the account was oopen on XX/XX/year>, not by me. They said they had all my personal information- social security number, email, cell phone, and home address. They asked my to very my last 4 digits of social security, of which I did. they said they were placing the account on hold. I specifically requested it be closed immediately.","date_sent_to_company":"2025-10-30T00:10:59.000Z","issue":"Opening an account","sub_product":"Checking account","zip_code":"119XX","tags":null,"has_narrative":true,"complaint_id":"16890472","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2025-10-30T00:00:02.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account opened without my consent or knowledge"},"highlight":{"complaint_what_happened":["on XX/XX/year>XXXX  I received both a debit <em>card</em> and a <em>credit</em> from Welss Fargo which I never requested. I called company attempted to have the account closed, and they informed the account was oopen on XX/XX/year>, not by me. They said they had all my personal information- social <em>security</em> number, email, cell <em>phone</em>, and <em>home</em> address. They asked my to very my last 4 digits of social <em>security</em>, of which I did. they said they were placing the account on hold."]},"sort":[15.477177,"16890472"]},{"_index":"complaint-public-v1","_id":"11473210","_score":15.408413,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Hello! I placed a security freeze on my credit report about a year ago due to credit card fraud. I was able to successfully remove the freeze from XXXX and XXXX. However, I am unable to lift the security freeze from Experian as it appears someone hacked into my account and changed the email address/phone number associated with it. I'm unable to authenticate myself on the account as a result. I called into Experian 's phone # multiple times, but nothing could be done as I couldn't authenticate. Then, in a letter dated XXXX I sent Experian a letter asking for the security freeze to be lifted, and included my SSN, phone #, email address, last XXXX home addresses, marriage license ( name change ), homeowner 's insurance bill ( proof of address ), and copy of my passport. Experian sent me a letter back stating \" A security freeze is already in place on your account. '' This is obviously not what I asked for. I had asked for it to be removed. There was no phone number to call and I'm unable to reach an actual person to speak with. I am just trying to get the Experian security freeze on my account removed.","date_sent_to_company":"2025-01-10T17:20:08.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"18704","tags":null,"has_narrative":true,"complaint_id":"11473210","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-10T17:11:13.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["I placed a <em>security</em> freeze on my <em>credit</em> report about a year ago due to <em>credit</em> <em>card</em> fraud. I was able to successfully remove the freeze from XXXX and XXXX. However, I am unable to lift the <em>security</em> freeze from Experian as it appears someone hacked into my account and changed the email address/<em>phone</em> number associated with it. I'm unable to authenticate myself on the account as a result. I called into Experian 's <em>phone</em> # multiple times, but nothing could be done as I couldn't authenticate."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Problem with fraud alerts or <em>security</em> freezes"],"sub_product":["<em>Credit</em> reporting"]},"sort":[15.408413,"11473210"]},{"_index":"complaint-public-v1","_id":"4405985","_score":15.3771,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Synchrony bank. \nI told the lady at XXXX XXXX that I have a credit card at home and she purposely made me sign for a new card because they cant do look up or bill with social security number look up. \nThe mail/billing never reached my home. They said the post office returned my mail twice. They did not allow me to pay my bill over the phone because they had to figure out how to identify me. They ruined my credit. They told me that they cant fix because it took too long to identify me. \nI have the money and this sort of wrong doing is not fair. Now, I need SSI and unable to refinance my home due to XXXX credit. Now, I need to sell my condo. All my life I did what was right then one credit card company went a messed everything up. Soon Ill be in section 8 housing instead of my condo. One credit card shouldnt be able to do some damage to ones credit score.","date_sent_to_company":"2021-05-26T00:08:36.000Z","issue":"Problem when making payments","sub_product":"Store credit card","zip_code":"91915","tags":null,"has_narrative":true,"complaint_id":"4405985","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2021-05-25T23:52:04.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"You never received your bill or did not know a payment was due"},"highlight":{"complaint_what_happened":["I told the lady at XXXX XXXX that I have a <em>credit</em> <em>card</em> at <em>home</em> and she purposely made me sign for a new <em>card</em> because they cant do look up or bill with social <em>security</em> number look up. \nThe mail/billing never reached my <em>home</em>. They said the post office returned my mail twice. They did not allow me to pay my bill over the <em>phone</em> because they had to figure out how to identify me. They ruined my <em>credit</em>. They told me that they cant fix because it took too long to identify me."],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"sub_product":["Store <em>credit</em> <em>card</em>"]},"sort":[15.3771,"4405985"]},{"_index":"complaint-public-v1","_id":"3255276","_score":15.364332,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I applied online for a Home Depot credit card through Citibank. I entered my landline phone number on the application. The system asked to send a verification code through text message or answer security questions. I chose to answer security questions since my landline phone does not receive text messages. I answered the security questions, and the system said I would need to call to give more information. By that time, the call-in number was closed, and I had to wait until it reopened the next morning. I called and was asked by the second Citibank rep who asked for my cellphone number that my cellphone number could not be verified by the Citibank system. In seeking to understand the details of this decision, I talked with six additional Citibank representatives - for a total of eight -none of whom could give very clear answers. I was told that my only option was to go into a Home Depot and present photo ID - no guarantee that that would work. I requested that my application be deleted. The Citibank representatives said they could not do that. They said that my application would remain active for 30 days, then it would be archived.","date_sent_to_company":"2019-05-28T14:09:20.000Z","issue":"Getting a credit card","sub_product":"Store credit card","zip_code":"98087","tags":null,"has_narrative":true,"complaint_id":"3255276","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2019-05-28T13:49:14.000Z","state":"WA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Application denied"},"highlight":{"complaint_what_happened":["I applied online for a <em>Home</em> Depot <em>credit</em> <em>card</em> through Citibank. I entered my landline <em>phone</em> number on the application. The system asked to send a verification code through text message or answer <em>security</em> questions. I chose to answer <em>security</em> questions since my landline <em>phone</em> does not receive text messages. I answered the <em>security</em> questions, and the system said I would need to call to give more information."],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"issue":["Getting a <em>credit</em> <em>card</em>"],"sub_product":["Store <em>credit</em> <em>card</em>"]},"sort":[15.364332,"3255276"]},{"_index":"complaint-public-v1","_id":"3710355","_score":15.341622,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Home Depot Account number XXXX XXXX XXXX XXXX Police Report - Case # XXXX Home Depot XXXX Home Depot Executive Response XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, ID XXXX Details : XX/XX/XXXX two charges were made at the XXXX XXXX DE Home Depot. In the amount of {$630.00} & {$2.00}. Home Depot card services looked up the purchased items and they were bathroom remodeling items. \n\nXX/XX/XXXX Two more charges were made. {$2.00} at the XXXX Home Depot and {$19.00} at the XXXX  Home Depot. \n\nI did not make these charges and filed a dispute with Citibank on XX/XX/XXXX. ( Citibank is the servicer of the Home Depot credit card ) I was told that someone in their fraud department would call and let me know what else was needed for the dispute to move forward. No one contacted me and the dispute was denied, since the purchase was made in store. \n\nOn XX/XX/XXXX, I filed a police report and an appeal through Citibank. The appeal was quickly denied. No one is investigating this. No one will pull security camera footage and I fear that it may be too late to obtain footage. \n\nWe did have a contractor do some work on the house in XX/XX/XXXX. Then again in XXXX - XX/XX/XXXX. XXXX was given my Home Depot credit card to make supply purchases. The credit card was always promptly returned. Only contact info we have is his phone number XXXX. He advised us he lived in XXXX DE. I have no way of knowing if this is relevant information. \n\nI do not know what happened. I did not make these charges. I am not supposed to be liable for fraudulent charges, but no one appears to be helping me. Ive asked for security camera footage of the New XXXX DE transaction every single time I have contacted anyone from Home Depot or Citibank. Was this transaction made with an old credit card? Pre chip? Was my credit card spoofed? Im well aware that its not easy to duplicate those chips, but there are reports of it having been accomplished.","date_sent_to_company":"2020-06-26T15:35:16.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"Store credit card","zip_code":"19810","tags":null,"has_narrative":true,"complaint_id":"3710355","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2020-06-22T20:05:52.000Z","state":"DE","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["No one will pull <em>security</em> camera footage and I fear that it may be too late to obtain footage. \n\nWe did have a contractor do some work on the house in XX/XX/XXXX. Then again in XXXX - XX/XX/XXXX. XXXX was given my <em>Home</em> Depot <em>credit</em> <em>card</em> to make supply purchases. The <em>credit</em> <em>card</em> was always promptly returned. Only contact info we have is his <em>phone</em> number XXXX. He advised us he lived in XXXX DE. I have no way of knowing if this is relevant information. \n\nI do not know what happened."],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"sub_product":["Store <em>credit</em> <em>card</em>"],"sub_issue":["<em>Credit</em> <em>card</em> company isn't resolving a dispute about a purchase on your statement"]},"sort":[15.341622,"3710355"]},{"_index":"complaint-public-v1","_id":"3875792","_score":15.333907,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"On XX/XX/2020, I contacted Macy 's at XXXX and requested to add my daughter XXXX XXXX on my credit card as an authorized user. They requested her full name, date of birth, social security number and home address, in which was provided by me. I instructed them to only send the credit card to my home address. \n\nOn XX/XX/2020, XXXX informed me that the information was not reported on her credit report and I had not received the credit card. So I chatted online with Macys representative to discuss the issue. And Macys representative called me on my mobile at XXXX, according to the time stamp on my phone. \n\nRepresentative told me to call XXXX, I did only to be transferred three time. Basically, I am trying to figure out the reason for requesting my daughter personal information and not report it on the credit bureau? and the reason for such data? \n\nMacys representative told me to call XXXX then they told me to call XXXX. Everyone keeps blaming the other and then stated the information is not in the system, or the credit bureau should had reported. This ordeal with Macys started at XXXX til XXXX with no resolution. \n\nCalled XXXX  on XX/XX/2020 at XXXX, no human came to the phone to address this issue, called XXXX  other number at XXXX, they redirected me back to XXXX. \n\nThese interactions are done out of this country. How are they allowed to break regulations in United States by obtaining our private information such as social security number, date of birth and home address and possess absolutely NO accountability. \n\nCould someone please uncover the reason Macys representative from another country obtained my daughter personal information and didn't report activity on her credit report? What was the reason for collection sensitive HIPAA data?","date_sent_to_company":"2020-10-01T15:13:56.000Z","issue":"Other features, terms, or problems","sub_product":"Store credit card","zip_code":"60516","tags":null,"has_narrative":true,"complaint_id":"3875792","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2020-10-01T14:25:20.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Privacy issues"},"highlight":{"complaint_what_happened":["On XX/XX/2020, I contacted Macy 's at XXXX and requested to add my daughter XXXX XXXX on my <em>credit</em> <em>card</em> as an authorized user. They requested her full name, date of birth, social <em>security</em> number and <em>home</em> address, in which was provided by me. I instructed them to only send the <em>credit</em> <em>card</em> to my <em>home</em> address. \n\nOn XX/XX/2020, XXXX informed me that the information was not reported on her <em>credit</em> report and I had not received the <em>credit</em> <em>card</em>."],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"sub_product":["Store <em>credit</em> <em>card</em>"]},"sort":[15.333907,"3875792"]},{"_index":"complaint-public-v1","_id":"4680411","_score":15.322357,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"This was a settlement offer with Citibank the home Depot I paid the {$340.00} it was XXXX my social security number is XXXX their phone number is XXXX i paid this in full I have contacted them because it's still showing on my credit report is due this needs to be removed and showed that the credit card from home Depot with Citibank was completely paid off and it's not showing that on my credit report this was paid a month ago I have talked to them and they said that it takes time to take it off but this is getting ridiculous they're saying they're saying that they sent me a letter proven that I paid it off and I'm not received any letter and this letter was supposed to have been sent XX/XX/2021 I hope you guys can help me my phone number is my phone number is XXXX I can't find their account number but you can call them up and give him my social security number and they will find it okay I have a partial last for the account number is XXXX with Citibank the home Depot this was paid off to {$340.00} the settlement amount was paid off on XXXX the XXXX of 2021 can you please help me to get this off of my credit or show is completely paid because it's ruining my credit history thank you very much if any problems please give me a call XXXX XXXX XXXX XXXX XXXX XXXX Alabama XXXX","date_sent_to_company":"2021-09-16T17:11:34.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"Store credit card","zip_code":"365XX","tags":null,"has_narrative":true,"complaint_id":"4680411","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2021-08-31T08:26:34.000Z","state":"AL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["This was a settlement offer with Citibank the <em>home</em> Depot I paid the {$340.00} it was XXXX my social <em>security</em> number is XXXX their <em>phone</em> number is XXXX i paid this in full I have contacted them because it's still showing on my <em>credit</em> report is due this needs to be removed and showed that the <em>credit</em> <em>card</em> from <em>home</em> Depot with Citibank was completely paid off and it's not showing that on my <em>credit</em> report this was paid a month ago I have talked to them and they said that it takes time to take it off but"],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"sub_product":["Store <em>credit</em> <em>card</em>"],"sub_issue":["<em>Credit</em> <em>card</em> company isn't resolving a dispute about a purchase on your statement"]},"sort":[15.322357,"4680411"]},{"_index":"complaint-public-v1","_id":"2655104","_score":15.249218,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"On XXXX XXXX /2017, a purchase was made at XXXX in NYC on a new credit card which I have never received for the amount of XXXX. After numerous calls to the Bank of America, letters, Police report, and proof I was at work in New Jersey on that day and send by certified mail to the fraud division in Texas. I asked for proof of signature and how the card was activated without my knowledge and proof security ( my home phone number ) I called the customer services/fraud division. Every time I got a different story.","date_sent_to_company":"2017-08-30T18:45:18.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"07083","tags":"Older American","has_narrative":true,"complaint_id":"2655104","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2017-08-30T18:31:27.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["On XXXX XXXX /2017, a purchase was made at XXXX in NYC on a new <em>credit</em> <em>card</em> which I have never received for the amount of XXXX. After numerous calls to the Bank of America, letters, Police report, and proof I was at work in New Jersey on that day and send by certified mail to the fraud division in Texas. I asked for proof of signature and how the <em>card</em> was activated without my knowledge and proof <em>security</em> ( my <em>home</em> <em>phone</em> number ) I called the customer services/fraud division."],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["<em>Card</em> was charged for something you did not purchase with the <em>card</em>"]},"sort":[15.249218,"2655104"]},{"_index":"complaint-public-v1","_id":"10990266","_score":15.2131605,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"my purse was stolen last year at the park with all my credit cards, my drivers license, my phone and, social security card. i need this off my credit report because this was not me, this is identity theft i reached out to comenity bank but they informed me that you guys took over the account, please remove this inaccurate account off my credit its affecting me getting a home and applying for a morgage!!!!","date_sent_to_company":"2024-12-02T19:58:10.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"329XX","tags":null,"has_narrative":true,"complaint_id":"10990266","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ENCORE CAPITAL GROUP INC.","date_received":"2024-12-02T19:45:47.000Z","state":"FL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["my purse was stolen last year at the park with all my <em>credit</em> cards, my drivers license, my <em>phone</em> and, social <em>security</em> <em>card</em>. i need this off my <em>credit</em> report because this was not me, this is identity theft i reached out to comenity bank but they informed me that you guys took over the account, please remove this inaccurate account off my <em>credit</em> its affecting me getting a <em>home</em> and applying for a morgage!!!!"],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[15.2131605,"10990266"]},{"_index":"complaint-public-v1","_id":"2691703","_score":15.195314,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I was trying to cancel a credit card on a home depot account that I did not know I was associated to and have not ever had a card for this account, due to legal reasons I can not contact the main user of the account. I recently discovered this card was negatively affecting my credit score. Upon calling ( called on XX/XX/2017 at about XXXX XXXX  EST ) I was not able to do anything because the only ways the representative could look up the account was through : 1 - Social security number, 2 - Account number, 3 - Phone number. 1- Social security number, I have never had this information on the main user 2- Account number, I have never had this information either 3 - Phone number, I have had this phone number deleted for a few years, it may have even changed since the inception of the account. \n\nAfter pleading with the rep, he was unwilling to explore any other way to look up accounts, even after explaining the situation a little further. I was very frustrated and stuck with no options. As a national company I am sorely they did not offer any other options or help with this issue.","date_sent_to_company":"2017-10-03T18:15:13.000Z","issue":"Closing your account","sub_product":"Store credit card","zip_code":"44512","tags":null,"has_narrative":true,"complaint_id":"2691703","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2017-10-03T18:00:01.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Can't close your account"},"highlight":{"complaint_what_happened":["I was trying to cancel a <em>credit</em> <em>card</em> on a <em>home</em> depot account that I did not know I was associated to and have not ever had a <em>card</em> for this account, due to legal reasons I can not contact the main user of the account. I recently discovered this <em>card</em> was negatively affecting my <em>credit</em> score."],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"sub_product":["Store <em>credit</em> <em>card</em>"]},"sort":[15.195314,"2691703"]},{"_index":"complaint-public-v1","_id":"2373978","_score":15.168848,"_source":{"product":"Credit card","complaint_what_happened":"Gentlemen, I never requested a credit card from Bank of America. When I received it, I called the bank asking them from where they got my Social security #. They could not answer. I asked them to close the account. Today I received a letter from Bank of America with my information - all correct, but my home phone is wrong. I never had this number.","date_sent_to_company":"2017-03-06T16:48:47.000Z","issue":"Unsolicited issuance of credit card","sub_product":null,"zip_code":"10314","tags":null,"has_narrative":true,"complaint_id":"2373978","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2017-03-06T16:48:46.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["Gentlemen, I never requested a <em>credit</em> <em>card</em> from Bank of America. When I received it, I called the bank asking them from where they got my Social <em>security</em> #. They could not answer. I asked them to close the account. Today I received a letter from Bank of America with my information - all correct, but my <em>home</em> <em>phone</em> is wrong. I never had this number."],"product":["<em>Credit</em> <em>card</em>"],"issue":["Unsolicited issuance of <em>credit</em> <em>card</em>"]},"sort":[15.168848,"2373978"]},{"_index":"complaint-public-v1","_id":"9916706","_score":15.1424265,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have an account reporting on my credit files that 1. ) isnt my name only my social security number. 2. ) the address used to open the account has never been my address. 3. ) the phone number used to open the account is not mine 4. ) the pre-approval used to open this account was sent to the fraud address not my home address. 5. ) the card was mailed to the fraud address not my home address 6. ) the payments made on account were not from my bank account.\n\nI have provided them with the police report, FTC report, Driver 's license showing my address and my name. Social Security card showing my name not the one on the account. I have provided a 3 year residence history showing I have never lived at that address. I have provided proof of my phone number that is not on the account. I have provided the Police report of fraud, an affidavit, FTC report as well. \n\nThese idiots sent me statements showing the fraud address, the incorrect name. Nothing matches me. Then they say this is your account and we hold you responsible. There is NO proof this is my account. It wont hold up in a court of law. I will be forced to sue for damages to my FICO score, and my reputation.","date_sent_to_company":"2024-08-26T07:56:51.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"34104","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"9916706","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-08-26T07:56:36.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I have an account reporting on my <em>credit</em> files that 1. ) isnt my name only my social <em>security</em> number. 2. ) the address used to open the account has never been my address. 3. ) the <em>phone</em> number used to open the 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