Date Received: 2024-01-02
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: On XX/XX/2023, I received a notification from Citi Bank saying there were some suspicious charges on my Citi XXXX card. I promptly called them and locked the account. The charges were made in XXXX and I am in XXXX. I had possession of my card at the time of the fraud. XXXX charges were eventually re-embursed : One for XXXX at XXXX XXXX XXXX XXXX and another for XXXX} at XXXX XXXX XXXX XXXXXXXX XXXX XXXX, but XXXX charge of XXXX for XXXX XXXX XXXX XXXX was still pending. The charge for XXXX has never been resolved despite multiple attempts to report the issue and multiple calls to the company. On XX/XX/XXXX I noticed that a the charge for XXXX at XXXX had changed from pending to approved I called XXXX to report the charge. At the end of my billing cycle, I saw that the charge was still on my account and listed as the full balance. I attempted to dispute the charge again via the mobile app but I was not able to see it in my dispute center. On XXXX XXXXXX/XX/XXXX I called Citi customer service to ask why this charge had never been handled, and the person I spoke with said she saw the dispute and was going to file a complaint saying this should have been resolved within XXXX days of the original report. She then referred me to the security center and told me to call on the next business day. Today, XX/XX/XXXX at XXXX am mountain time I contacted the security center and attempted again to report the fraud charges. The person I spoke with XXXX, said they had no record of the dispute for XXXX even though I had reported it through the mobile XXXX twice and and assured me that they were re-opening the case, but when I asked for proof of this, I received none. The original dispute was over a month ago and I have received no notification that my disputed charges are being investigated. Furthermore, my payment is due on XX/XX/XXXX and I have no indication from the company that they will resolve the issue so I feel I am being forced to pay for fraudulent charges to avoid late fees or interest fees.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80033
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-02
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: I filed a credit card dispute on XX/XX/2023. Citi then sent me a letter dated XX/XX/2023 stating that my credit limit was lowered by {$6900.00}. The lowering of my credit limit is a direct result of me filing a credit card dispute. The letter states " we frequently review cardmember accounts... based upon your current credit limit usage, we've decided to lower your credit limit ... ''. I have not changed my credit habits with this card in years. My credit limit has not changed in years. I have not had any contact with Citi or paid my bill late in years. I then file a credit card dispute and XXXX business days later Citi takes negative action against my account and lowers my credit limit by {$6900.00}. It is clear that my credit limit was not lowered because of some regular review of cardmember accounts but because I filed a credit card dispute. This is an unfair practice and directly affects my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 554XX
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-02
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: I experienced a severe XXXX condition that affected my ability to work and thus my ability to pay my bills. I contacted all my creditors and asked them for forbearance- until I could start receiving XXXX pay and/or get back to financial stability. Every creditor BUT Citibank was willing to work with me and I kept my payments and my credit record unblemished. Citibank 's customer service response was clear and unconscionable. When I asked their Customer Service staff for assistance their response was clear & unequivocable. When I told them of my severe XXXX XXXX they told me : " That Citibank would just recover what I owed from my estate when I was dead. '' I offered to pay what I could for a time but they said that " unless I paid the full amount due that they would close my accounts and report my non-payment to the credit bureaus. '' That I would never get another credit card for as long as I lived. '' Well they were true to their word- they closed my XXXXXXXX XXXX XXXX XXXX XXXX cards and destroyed my XXXX Rating. All my other XXXX accounts were paid the best I could and worked with me to resolve my debts to them. I will never forget the Citibank Customer Service person asking if I had Life Insurance and when I told them I did they said : " looks like you are worth more dead than alive ''! I am now being hounded by lawyers for Citibank telling me that they will sue me and take everything I have. Citibank Account details : # XXXX : XXXX XXXX Signature : XXXX # XXXX : Citi XXXX XXXX : ending in XXXX # XXXX : Citi XXXX ending in XXXX ( I never requested relief on this card after my experience with the above XXXX. ) I sincerely hope that you can assist me in this matter! Thanks in advance!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 54301
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
Issue: Problem with customer service
Subissue:
Consumer Complaint: Today, Wed XX/XX/2024, I went to a citibank XXXX to order a cashier 's check in the amount for {$48000.00} to pay for a car I bought. I provided my ID and went through all the verification process they asked me to, including receiving a pin to confirm my email and another with my phone number. the agency asked me to call customer service to do the verification again, which I did from the agency. After almost an hour, the bank refused to issue to cashiers check, claiming security concerns. Yesterday, Tuesday XX/XX/XXXX I funded the account by transfering {$50000.00} from one of my other accounts and the money is in the account, however I'm unable to access it. I was able to talk to the dealer and I wrote a personal check instead of the cashier 's check. I called customer service twice to ensure the cash would be paid and to my surprise the representative said the check would not be paid and I'm unable to even withdraw cash on an ATM. This is my money, that I won through honest and hard work and by making investments on the stock market. A bank should not have the right to sequester my money and not give me an explanation on why they are doing this. This account also has my paycheck direct deposit, which means any money that gets into the account is unaccessible to me and I won't be able to cover my living expenses, and I won't be able to change the direct deposit for the next XXXX weeks. Their customer services representative were not helpful, and at the agency one of the employees said the bank has the right to withold my money and not explain why, which if it is true makes me wonder how and why we trust the banking system. I'm now having concerns that Citibank is facing liquidity issues and is trying to avoid withdraws. They are saying a response from their teams will take between 24 to 48 hours, which doesn't assure I will have access to my money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-02
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I had erroneous electronic transfer made from my Citibank checking account to my vanguard account. My account is overdrawn. I called Citibank to have it reversed There isn't enough money in the account to cover the transfer My account is basically frozen. Citibank says it will take time. I need to pay my bills with actual money in my account. I have called have not gotten any action. They say I t will be corrected There should be some kind red flag on unusual transaction. The account holder should be contacted to verify the transaction before it gets done
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11354
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-02
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I am requesting all billing statements from the time the account was opened until it was closed for a home depot card that was recently closed by Citi around XXXX XXXX and a letter explaining why and when the account was closed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 073XX
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-01
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: I am writing this letter to formally express my profound distress and lodge a complaint against the actions taken by your institution, which have caused and perpetuated severe damage to my financial standing and mental well-being. This complaint is also directed towards the associated entities, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have always paid on time, over the minimum payment and many times the complete balance. I believe the erroneous information by XXXX provided Citibank and outlet to target me as a non-asset as I have always met my commitments and was not a significant source of income for Citi as a result. In XX/XX/2023, an erroneous report of a XXXX late payment was placed on my credit file by XXXX XXXX. Despite my immediate and repeated efforts to rectify this misinformation, your institutions responded by drastically reducing my available credit, closing my accounts, and denying further credit extensions based on this false reporting. These precipitous actions were not only premature but lacked a fair and thorough investigation into the validity of the claims against my credit. As a result of your actions, I have suffered an immediate and irrecoverable impact on my creditworthiness. My FICO scores experienced a substantial average drop of over XXXX points, shifting my credit standing from good to poor. This single incident has erased years of diligent financial management and will require a prolonged period to recuperate fully. The enduring impact on my creditworthiness is a long-term hindrance that will affect my financial decisions and opportunities for years to come. Moreover, the continuous cycle of credit limit reductions and account closures, particularly in the aftermath of resolving the erroneous report, has trapped me in a state of financial and emotional despair. Attempts to manage my situation, whether by paying off a card or reducing the balance, have been met with immediate closure or further credit limit reductions, maintaining an unsustainable level of over 95 % utilization. This situation has not only damaged my financial health but has also taken a significant toll on my mental health and the stability of my family. The inability to access equity in my home due to lingering negative marks on certain reports, inaccessible to me as a consumer, has further exacerbated my distress. My FICO mortgage score has plummeted into the XXXX, a testament to the severe and ongoing repercussions of this issue. I implore your institution to undertake a thorough review of the actions taken in response to the erroneous information provided by XXXX XXXX. It is imperative that your institution recognizes the gravity of its actions and the profound impact they have had on an individual 's life. I seek a fair and immediate resolution, which includes a full restoration of my credit limits, removal of any unjust negative remarks, and compensation for the financial and emotional damages incurred. Your prompt attention to this matter is not only expected but necessary to begin rectifying the immense wrong that has been done. I trust that you will approach this complaint with the seriousness it warrants and respond accordingly with a plan for resolution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43015
Submitted Via: Web
Date Sent: 2024-01-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-01
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: I am writing this letter to formally express my profound distress and lodge a complaint against the actions taken by your institution, which have caused and perpetuated severe damage to my financial standing and mental well-being. This complaint is also directed towards the associated entities, including Costco CBNA, Shell Visa/Mastercard CBNA , Macy 's CBNA , American Express , and American Airlines American Express XXXX I have always paid on time, over the minimum payment and many times the complete balance. I believe the erroneous information by XXXX provided Citibank and outlet to target me as a non-asset as I have always met my commitments and was not a significant source of income for Citi as a result. In XX/XX/, an erroneous report of a 30-day late payment was placed on my credit file by XXXX XXXX. Despite my immediate and repeated efforts to rectify this misinformation, your institutions responded by drastically reducing my available credit, closing my accounts, and denying further credit extensions based on this false reporting. These precipitous actions were not only premature but lacked a fair and thorough investigation into the validity of the claims against my credit. As a result of your actions, I have suffered an immediate and irrecoverable impact on my creditworthiness. My XXXX scores experienced a substantial average drop of over 100 points, shifting my credit standing from good to poor. This single incident has erased years of diligent financial management and will require a prolonged period to recuperate fully. The enduring impact on my creditworthiness is a long-term hindrance that will affect my financial decisions and opportunities for years to come. Moreover, the continuous cycle of credit limit reductions and account closures, particularly in the aftermath of resolving the erroneous report, has trapped me in a state of financial and emotional despair. Attempts to manage my situation, whether by paying off a card or reducing the balance, have been met with immediate closure or further credit limit reductions, maintaining an unsustainable level of over 95 % utilization. This situation has not only damaged my financial health but has also taken a significant toll on my mental health and the stability of my family. The inability to access equity in my home due to lingering negative marks on certain reports, inaccessible to me as a consumer, has further exacerbated my distress. My XXXX mortgage score has plummeted into the XXXX, a testament to the severe and ongoing repercussions of this issue. I implore your institution to undertake a thorough review of the actions taken in response to the erroneous information provided by XXXX XXXX. It is imperative that your institution recognizes the gravity of its actions and the profound impact they have had on an individual 's life. I seek a fair and immediate resolution, which includes a full restoration of my credit limits, removal of any unjust negative remarks, and compensation for the financial and emotional damages incurred. Your prompt attention to this matter is not only expected but necessary to begin rectifying the immense wrong that has been done. I trust that you will approach this complaint with the seriousness it warrants and respond accordingly with a plan for resolution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43015
Submitted Via: Web
Date Sent: 2024-01-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-01
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I HAVE IDENTITY FRAUD ALERT ON MY CREDIT REPORT. I NEED CITIBANK XXXX CREDIT CARD REMOVED FROM MY CREDIT REPORT. IT WAS CLOSED AND ACCOUNT CHARGED OFF DUE TO MY IDENTITY BEING STOLEN.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92602
Submitted Via: Web
Date Sent: 2024-01-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-02
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: On XX/XX/XXXX I purchased several XXXX watches from XXXX using my Citi Double Cash Card, but 1 item is missing from the delivery. The itemized product i purchased ( order detail page pdf attached ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Qty 2 {$710.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Qty 2 {$710.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Qty 2 {$710.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Qty 2 {$710.00} Item missing from the delivery XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Qty 1 {$350.00} I contacted XXXX on XX/XX/XXXX and they asked me to dispute it with my credit card company. So I disputed the amount for the missing item which is {$350.00} out of the total transaction of {$2800.00}, on XX/XX/, with my Citi Double Cash Card ending XXXX, Dispute Case ID, XXXX; But I got rejected, see attahced " dispute_info.png '' screenshot and " dispute_letter.pdf '' document. The on XX/XX/XXXX i contacted Citi through online chat and was asked to provided the itemized purchased item and missing item lists and sent them to their email ( see " XXXX, XXXX, XXXX '' for the online chat history, and " XXXX '' for the email screenshot i sent to Citi with the itemized order information they required ). However, on XX/XX/, got rejected again because of " Without a valid credit slip, we are unable to intervene on your behalf with the merchant or their bank. '' ( see " XXXX '' ) I have done what they asked me to do to provide the detailed order info, but they keep rejecting the dispute with new reasons.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A