Date Received: 2023-12-29
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I first communicated with Citi Bank N.A. on XX/XX/XXXX when I was denied for the XXXX XXXX XXXX Account. I call and they said that they'll call back and they have yet to respond. I mailed XXXX letter already to the XXXX XXXX XXXXXXXX but haven't gotten an answer. As the original cardholder and holder in due course, I exercised my right to initiate a consumer credit transactions with Citi Bank N.A. to open a credit account. According to federal law ( 15 USC Section 1602 ), a " credit card '' includes any device used to obtain credit, which I have granted your corporation. I am well aware of my rights as a consumer, and credit is a right granted by me, the creditor ( 15 USC Section 1602 ( f ) ). They denied my application, my right to extend credit, and discriminated against me. Additionally, reporting to consumer reporting agencies is voluntary, and I did not receive proper information to opt out. Additionally, I have not received any benefits from the use of my credit. The denial of my right to extend credit has caused me severe financial, discrimination, emotional, and mental distress. Also, I was deprived from my disclosure rights not to allow my personal information to be shared with the public and with 3rd party credit reporting agencies. The only credit bureau that exist is the CFPB. There are no federal laws that empower a credit score, missing credit bureau information, age of account, or the bank to deny me my right to extend credit ( 15 USC Section 1691 ). Discrimination against an applicant in a credit transaction is unlawful ( 15 USC Section 1691 ). Lastly, by federal law 12 USC 83, Loans by bank on its own stock : ( a ) General prohibition : No national bank shall make any loan or discount on the security of the shares of its own capital stock. XXXX XXXX clearly states it is illegal for a bank to loan me someone else and their money. So how can they deny my application when they are not putting up anything and I am the one putting everything up and paying the finance fees?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97338
Submitted Via: Web
Date Sent: 2023-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-29
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: In XXXX we placed a large order online for multiple bathroom furnishings. Included with this was a vanity that was shipped via XXXX. The vanity arrived damaged, so we refused delivery. We did not receive any documentation from XXXX about the refusal, however, this is indicated by the entry on the tracking sheet where it clearly states Refused Damaged on delivery. Per the XXXX manifest, the location is listed because this is the location of the nearest shipping hub. On a similar date, the manifest shows it was delivered but it was not delivered to us because, again, we refused delivery because the item was damaged. Upon speaking with XXXX, they stated when this occurs, it is delivered to the local store. XXXX also stated that when this happens, a new tracking number is created and the shipment signs for itself. To further confuse matters, we re-ordered the same vanity a few weeks later. This was not damaged and we accepted shipment. This vanity is currently in our bathroom and in fine working order. In the process of this, I spoke with XXXX XXXX Customer Service about the return. I was assured that once XXXX XXXX received the item back, we would be given a refund, but the process would take some time. The XXXX XXXX Customer Service Rep also spoke with XXXX XXXX XXXX, explained the situation, and wrote a letter so we would receive the new vanity under the same promotional rate as the damaged vanity. Ultimately, we did not receive the refund for the damaged vanity. I spoke with XXXX XXXX XXXX XXXX again in XXXX. I spoke with the call center again. The rep made updated to the comments but advised I could not speak with anyone in the disputes area directly. At that point I also reached out to the XXXX shipping hub in XXXX and received the information explained in the first paragraph.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34609
Submitted Via: Web
Date Sent: 2023-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-29
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: There was a change of address listed on my Macy 's Credit Card. It is a fraudulent address. My real address is listed as old address.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 150XX
Submitted Via: Web
Date Sent: 2023-12-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-29
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Dear Citibank, I would like my accounts reconsidered and to be re-opened and remain opened and my great relationship with Citibank to be re-opened and remain opened. Credit cards needing to be re-opened and remain opened : 1. Citi/AAdvantage Platinum Select World XXXX XXXX ending in XXXX 2. Costco Anywhere XXXX Card ending in XXXX 3. Citi XXXX XXXX XXXX ending in XXXX 4. Citi XXXX XXXX ending in XXXX As a loyal Citibank active member, I need my accounts and great relationship with Citibank to be opened. In the past 6 months or so, I have talked to many representatives who misheard me or gave me wrong information regarding my accounts when I was simply trying to get new account numbers as someone was gaining access to my account and me misplacing my wallet. I was told it was an error but still have not gotten my 4 cards re-opened yet due to this error. In the midst of all of the confusion, which was also my fault because of miscommunication, it triggered activity on my one of my accounts leading to someone closing all 4 of my accounts today in error. I am also not very technologically savvy and have a XXXX. It was a simple request to get new numbers due to someone gaining access to my account and me misplacing my wallet. I had not even gotten the chance to use my Platinum card which is what I was excited about. Moreover, this is going to hurt my credit score ( as I have a combined {$36000.00} credit limit on all 4 of my credit cards ) and will overall hurt my credit really badly so I want to avoid this. I am also traveling soon and will need to use all 4 of my credit cards. I would like you to please reconsider the closure of all 4 accounts and please re-open all 4 cards with new numbers and send them overnight to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I have developed an action plan and will do my due diligence moving forward to have optimal security avoid any misplacements or even fraudulent activity. I can assure you, this will never happen again. I also placed extra security including security alerts on both my social security card and the credit bureaus. I am also happy to oblige and comply with any further action plans that Citibank may want to ensure my security. I am appreciative of you re-opening my cards and sending me new numbers. Please do not close any of my accounts again. Please re-open and keep open my great relationship with Citibank. Thank you for your time, understanding, and patience and thank you for re-opening all 4 of my cards.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 951XX
Submitted Via: Web
Date Sent: 2023-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-29
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 XXXX XXXX I was alerted by my XXXX XXXX credit card that fraudulent charges were being made through my XXXX account by an XXXX XXXX XXXX XXXX XXXX, Texas. I immediately called both XXXX XXXX and Citicard to close the accounts and refute the charges made. Citicard had three charges : {$24.00}, {$24.00}, and {$19.00}. XXXX XXXX had two charges of irrelevant amounts. XXXX XXXX and Citicard both immediately refunded my account for the charges made and issued me new cards. Meanwhile, I was never able to fully secure my XXXX account. I took my computer in to XXXXXXXX XXXX and even they, while working with XXXXXXXX XXXX, were not able to keep the hackers from getting back into my account. The best we could do was delete everything and never use XXXX again. A few weeks later, Citicard reversed the credit claiming that the charges were legitimate. They said because at one point in time I purchased XXXX XXXX XXXX XXXX, all the charges made from a completely different XXXX XXXX were therefor legitimate. I then submitted the police report number ( XXXX ), the screen shots, the nasty email from the hacker, as well as had the technicians from XXXX XXXX provided their documentation of this hack and fraudulent purchases. In XXXX, I saw they credited two of the charges, but left one of the {$24.00} charges on my bill as a legitimate charge. I canceled the account entirely but the agent I was speaking with promised me he could fix this and maintain me as a customer ( which I have been for almost 20 years ). Six weeks later, I'm still being billed for the {$24.00} and the only explanation is that I made an actual charge with XXXX at one point in time. The agents can see I should not be billed, but the investigation team seems to be unwilling to see the obvious : that this {$24.00} charge should be treated the same as the other two charges made at the same time from the same XXXX XXXX over a thousand miles away. Every time I call, they say they are fixing it, but it's been two and a half months and this bill is now due and I don't trust them to follow through. I no longer have my credit card number because I destroyed the cards. The original card was replaced with one ending with XXXX. I closed that account entirely and the new account the opened and transferred my remaining charge to ends with XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 321XX
Submitted Via: Web
Date Sent: 2023-12-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-29
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: The Citibank XXXX XXXX and XXXX XXXX credit cards of mine were paid off and I called to have both accounts closed. XXXX for both XXXX XXXX XXXX XXXX XXXX XXXX credit cards did not close the accounts. About 2 years later, someone committed fraud and maxed out the cards. Both XXXX XXXX and XXXX XXXX refused to provide me help. I made several calls to cancel these accounts, and after every call to cancel, I would receive yet another NEW credit card in the mail and have to call again to cancel it and ask why they keep sending me new cards when I cancel the accounts. Citibank has let thousands of dollars in interest compound into a debt far passed the cards ' legal limits. It appears they then sent the sums of debt to debt collection agencies that call non-stop.I don't know what to do. I will never shop at XXXX XXXX XXXX or XXXX XXXX again, and I refuse to ever use Citibank for anything again. Absolute crooks.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95966
Submitted Via: Web
Date Sent: 2023-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-29
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: My credit card number was stollen around end of XXXX of XX/XX/2023. We notified Citi immediately and received a new card, however the fraudulent charges were never reversed for us. I have called Customer Service a couple of times and all these months later no action has been taken. It was only about {$70.00} but it is the principal with this institution. The charges could have been more substancial and at this point I feel totally unprotected with this bank. It was also very simple- all charges were made through XXXX out of XXXX, while our family was here in the US- the investigation should have taken no time at all and our accout made whole immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 491XX
Submitted Via: Web
Date Sent: 2023-12-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-29
Issue: Problem with customer service
Subissue:
Consumer Complaint: On XX/XX/2023 {>= $1,000,000} XXXX XXXX was wired by XXXX Bank to BANAMEX Bank that lacked critical information needed to direct it to my account at XXXX XXXX XXXX in the United States. Since XX/XX/2023 BANAMEX Bank has held the funds and have not responded to request from the sending Bank XXXX XXXX to return the funds in order to have Account Numbers and Address added to the wire and retransmitted to my account. BANAMEX has failed to respond to repeated attempts to return funds held by BANAMEX to XXXX.
Company Response:
State: SC
Zip: 29707
Submitted Via: Web
Date Sent: 2023-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-29
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: My phone was reported lost, there were unauthorized charges made to my account with my PIN number because person who found my phone was able to access personal information. I informed Citibank of the following concerns and problems and they still denied my dispute.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11102
Submitted Via: Web
Date Sent: 2023-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-28
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I have had a payee set up with online banking for more than XXXX years with Citibank. The merchants name was established as XXXX. As of XX/XX/XXXX I received notice from this merchant that their payment information had changed. On XX/XX/XXXX I attempted to update this merchants address and name on Citibank online bill pay to reflect the changes. The online bill pay system did not allow me to successfully update this entry, so I decided to delete it and create a new entry. The entry I created read as such, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX, IL XXXX. I was also instructed by the website that this merchant could only be paid via check method. On XX/XX/XXXX as I was reviewing Citibank online, I noticed that this same merchant had been changed by Citi to the merchants name of XXXX XXXX XXXX without my authorization. The method of payment for this merchant switched from check to the electronic method. I received confirmation from Citi that a payment established on XX/XX/XXXX with reference number XXXX was successfully sent to the merchant and had posted within XXXX via electronic method. Note : When I contacted the merchant about this payment, they indicated that they had received it on XX/XX/XXXX in check form, not electronic form. Also, on XX/XX/XXXX another payment to this merchant with confirmation number XXXX was sent out per the website as a check, but now it reads on online that the only method that is available is electronic. Both of these payments require an investigation to be sure they are successful. Somewhere between the dates of XX/XX/XXXX and XX/XX/XXXX this merchant once again was changed back to the check method by Citi without my authorization. Citi also used some of the information I entered on XX/XX/XXXX for this change, but kept the merchants name as XXXX XXXX XXXX Citi also changed the mailing address to XXXX XXXX XXXX with a zip code of XXXX which was incorrect according to the merchants instructions. I contacted Citi XXXX XXXX on XX/XX/XXXX about this matter. At first, I was speaking to a rep that I had trouble comprehending due to his accent. He also was having trouble understanding me based on how he was responding to my questions. I did not get his name before he hung the phone up in frustration. I called Citi back on this same day and spoke to a person named ( XXXX XXXX. XXXX indicated that he was a customer service supervisor. XXXX and I discussed my payee/merchant problem as well as the previous phone rep hanging up on me. XXXX indicated that he would address the previous phone reps behavior and was able to successfully update the merchants name back to XXXX XXXX XXXX XXXX XXXX ( see attached ). XXXX explained to me that this merchant was not eligible for electronic bill pay, and that a paper check would be sent out. I was okay with that! We also confirmed the address and memo information relating to this merchant. I did confirm the update occurred via Citibank online later in the day on XX/XX/XXXX. On XX/XX/XXXX I was reviewing my online account and noticed that now this merchants name was changed again by Citibank to the following, XXXX XXXX and the payment method was now electronic ( see attached ). I called Citibank and spoke to another customer service supervisor named XXXX. She indicated that she did not see any notes from XXXX in the system, and that she can only see that I called on XX/XX/XXXX. XXXX also stated that she would escalate the issue and she gave me a confirmation number of XXXX. XXXX indicated that she could not give me a timeframe in which I would hear the outcome of the escalation. She also indicated that she would address the fact that XXXX did not place notes in my account. During our conversation I had a difficult time understanding XXXX due to her accent. She appeared to become frustrated with me because I continued to ask her to repeat herself because I wanted to be clear on what she was saying. At some point she disconnected the call unexpectedly and did not attempt to call me back to follow up.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A