Date Received: 2023-12-28
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Hi, without my knowledge the CITI credit card was generated on XX/XX/2023 and I did not even receive the credit card. It looks like someone used the card and made purchases two in XXXX and 1 in XX/XX/2023. I came to know about this issue once the 90-day payment crossed and hit the XXXX XXXX report that I missed the payment. After going through the details I understand that the card got generated and was misused by someone. Immediately I raised a complaint with the Citi Bank security department to dispute the charges and blocked the card. The card is blocked and dispute the charges are in progress ( investigation stages )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27560
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-28
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: This issue happened on XX/XX/XXXX I deposited a payroll check via mobile deposit, the bank released {$300.00} ; the next day, Saturday I called the bank to check the status on releasing the remaining funds due to the holiday and I was told that the funds wouldnt be released that day but on Sunday a portion would be and on XX/XX/XXXX the remaining balance. Later on the night I received an email approx XXXX XXXX saying that I received a message and I needed to respond immediately ; I logged in just to find out that my account had been restricted. I talked to I believe every person in the department ; Once I realized what was happening I immediately explained that I had gone to a different institution and their hold time was two weeks out and I explained to CITI BANK, I was advised that they needed to speak to the payroll department to verify the issuer. After so many attempts I then finally get some one from out accounting team who could help ; the next representative I spoke to was able to connect to XXXX from our accounting to team to verify the information- once she got back to the line with me she asked was the number connected to a business I said Im sorry she asked again was it connected to a business I was like I gave you what I was provided and then I asked were you able to get the information? She then said yes and I told her that I was going to place her on hold so that I can contact the person.I reached her and merge the calls and let her know that the rep from the bank asked was the phone number connected to a bank and she placed us on a long hold with the music playing eventually I disconnected the call ( prior to her placing me on hold she advised that they couldnt release the funds ) basically insinuating that I was lying and there was fraudulent activity, at the point I felt racially profiled against and this isnt the first time that this bank has treated me differently I know for a fact because the last incident I had my XXXX friend to call back and ask the same question and she was given information to whereas I was informed that they no longer participated in that banking product. Any way I feel humiliated not only because of that but because I received an emailed stating that I violated the bank policy and that is inaccurate as they violated me and my rights as a XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33351
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-28
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: I'm still floored by my inability to get dispute CASE XXXX fully reviewed. I continue to receive conflicting information from Citi. I called previously and was told I could amend my initial reason for dispute as none of the available options to select fit the issue. I have received multiple letters from Citi saying I could send in additional documentation. They provided a copy of the merchant 's response, which did not in any way even mention or rebut the partial disputed amount of {$450.00}. However, when I sent in my appeal as instructed, I'm now receiving form letters that don't make sense with the situation, indicating I have conflicting reasons for appeal so they can not help me. Per my discussion with Citi reps and previous communication, it appears this issue should have already been taken care of. I have never changed the reason for my dispute -- again, it's that none of the reasons available fit. UPDATED REASON FOR DISPUTE : Product description was inaccurate
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 488XX
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-28
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 I purchased a watch online from XXXX XXXX in the amount of {$5400.00}. When the watch hadn't arrived in six weeks and the company couldn't tell me when it would, I filed billing dispute XXXX XXXX with Citi Cards on XXXXXXXX After providing a conditional credit for the full amount, Citi clawed it back stating I had not provided sufficient information even though they had the original receipt for the purchase along with an email from XXXX XXXX stating they agreed to cancel the order and refund my credit card. No refund has been received as of XXXX Subsequent multiple contacts with Citi Card 's dispute dept. usually results in sympathetic expressions, contradictory requests for either more documentation which I have submitted or an indication that I have submitted too much documentation, and a promise they would communicate their support to the " investigator. '' Ten weeks have passed since the original dispute with no resolution nor a timeline for when one would be forthcoming. As a consequence, I can't help but feel victimized twice, first by XXXX XXXX which has agreed to issue a refund but failed to do so, and now by Citi Cards which has failed to clearly lay out an adjudication process and has provided no protection for this purchase despite the fraudulent behavior of the merchant.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10463
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-28
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I had a XXXX XXXX done for a XXXX with XXXX XXXX They did a horrible job not only was the XXXX to bulky, twice the size of my original XXXX that was causing XXXX XXXX and my XXXX wouldnt close properly for months. But there was also a whole in the XXXX work from it being too bulky trying to adjust it and have it fit properly. The dentist refused to redo the work, and I was forced to go to another XXXX. I have proof from other XXXX how poor the job was. My credit card company did not back me up in this, even though I had to redo the work, literally seven weeks after the procedure. I had just completed with XXXX XXXX. I disputed it this case was not properly handled nor the investigation was thoroughly done and no one reached out to me to let me know what was going on. I had to constantly reach out to them and then they finally just closed my case on XX/XX/XXXX saying three months has gone by. Improperly handled, and my case was completely mishandled
Company Response:
State: TX
Zip: 787XX
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-28
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: My citibank checking account was hacked by scammers on XX/XX/2023. They did numerous transfers and then some wires. I reported the fraud to Citibank within minutes but the fradulent wires had already gone out in the amounts of {$2000.00} and {$1900.00} to a XXXX XXXX at XXXX. I do not know this person and did not authorize these wires. Citi has recalled the wires but XXXX isnt't responding, of course because this bank has been engaged and fined for engaging in fradulanet accounts and transactions. Citi refuses to reimburse me for this fradulent wire activity. Citi 's authentication processes are woefully inadequate and there should have been many red flags sent up when these wires were done within seconds of each other to a suspect bank and as a customer for 40 years who never did any wires. Citi refuses to return these funds that the negligently allowed to be wired.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20016
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-28
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: I ordered tickets from what I later discovered to be a scam site ( XXXX ). I contacted my bank and let them know then bought tickets from XXXX. The tickets I purchased from the scam site were {$180.00}. The tickets I purchased from XXXX were {$85.00}. The address for XXXX is not verified and they have no phone number. Their XXXX rating is an F and there are tons of people online complaining that they are fraudulent but my credit card company ( citi ) said it's not their problem. Wow.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98106
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-28
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: My credit card was charged fraudulently 4 times in the span of 3 days in XXXX. I contacted Citibank as soon as I realized the charges weren't mine. They looked into it and then decided that they weren't fraudulent because I didn't lose my card and they said I had visited those places. I had never visited at least two of those places and they didn't provide me with evidence that I had. I told them that there had been a rash of credit card skimmers in the area and then they said they would take that into consideration and respond in 90 days. They never got back to me and the charges are listed as " dispute is resolved and no credit is issued ''. Here are the charges 1. XXXX on XX/XX/2023. XXXX XXXX XXXX XXXX, MA 2. XXXX on XX/XX/2023. XXXX # XXXX XXXX MA 3. XXXX on XX/XX/2023. XXXX XXXX XXXX MA 4. XXXX on XX/XX/2023. XXXX # XXXX XXXX MA
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02021
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-28
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: My citibank savings account has been deactivated due to inactivity. I have sent two letters to them with the info requested to the address asked and they have not received those two letters. I have spoken to about 30 people in XXXX and hung up on. I have not had access to my funds for 90 days. They have XXXX that is my whole savings. I cant speak to anyone in the US. I have literally tried every phone number. There is no location in my state.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85205
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-28
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: A hard inquiry by XXXX dated XX/XX/22 appears on consumer reports. No disclosures were given for this hard XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48326
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A