Date Received: 2024-03-02
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I received an email from Citibank on XX/XX/2024 regarding a credit card that I did not apply for from this institution. The email I received appeared legitimate and had Citibank XXXX as one would anticipate from a bank. No spelling errors or anything to alert me that this was a phishing attempt. On XX/XX/2024, I received an update that the card had been shipped and I attempted to contact Citibank to no avail. They would not allow me to speak to a representative without the full card number or giving my personal information over the phone. Citibank would not listen to my concerns that a fraud had taken place/was in effect. On XX/XX/2024, I received a XXXX card in the mail, stating all I had to do was call to activate it. I finally was able to contact a person at Citibank because I had the full XXXX card number, they finally allowed me to speak to a customer service representative. I used a phone number for Citibank on their website. It was difficult to understand the person as they possessed a thick accent, and I am hard of hearing, which concerns me as to whether or not they understood what I am trying to convey. I have contacted my local bank to acquire information to check my XXXX report for suspicious activity which is pending. I want to make sure that I am not responsible for any activity on the account that I did not apply for. I do not appreciate a financial institution pre-approving me for a card and using my information to open a XXXX card in my name without my consent. On top of that, making it almost impossible to speak to anybody prior to any activity taking place and not communicating with me before the card was in my possession. I could not stop this act prior to receiving the card and having to cancel the " account. ''
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 727XX
Submitted Via: Web
Date Sent: 2024-03-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-02
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX hard inquiries not authorized by me CBNA XX/XX/XXXX hard inquiries not authorized by me XXXX XXXX XX/XX/XXXX hard inquiries not authorized by me XXXX XXXX XX/XX/XXXX & XX/XX/XXXX Hard inquiries not authorized by me XXXX XXXX XXXX XX/XX/XXXX hard inquiries not authorized by me XXXX XX/XX/XXXX hard inquiries not authorized by me XXXX XXXX XXXX XXXX XX/XX/XXXX hard inquiries not authorized by me XXXX XXXX XXXX not authorized by me XXXX XXXX XXXX XXXX different unauthorized hard inquiries not authorized by me
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21601
Submitted Via: Web
Date Sent: 2024-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-02
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: Someone XXXX purchased items from Best Buy using my account sometime in XX/XX/2023 I noticed this and immediately called to cancel my card and notify best buy that this was an XXXX purchase, they knew it wasnt me who made it authorized this purchase and said they would remove it from my account and may take up to XXXX XXXX cycles for it to clear and its been XXXX of constant calling all to be told every time that its still under investigation with no resolution in sight
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91321
Submitted Via: Web
Date Sent: 2024-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-02
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Dear MACYS/CBNA XX/XX/2024 Per the FCRA as a federally protected consumer and for The code for " Paid as Agreed '' on the CFPB ( Consumer Financial Protection Bureau ) is AP. This code is used to indicate that the consumer has made all payments as agreed upon in the loan or credit agreement, and there are no payment issues or disputes. also 15 USC 6802, which is a section of the United States Code that relates to the Fair Credit Reporting Act. Specifically, 15 USC 6802 defines a " charge-off '' as a " certificate of indebtedness ''. meaning it should not be reported on my credit as debt
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-03-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-02
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: I requested a balance transfer of {$5000.00} from my citi credit card to my XXXX credit card on XXXX XX/XX/XXXX XXXX I never got the money. I opened multiple disputes in either side ( Citi and XXXX ). Citi bank said they would investigate the case and all I get is a receipt saying XXXX had received the money. XXXX also said they would start an investigation, then XXXX requested me a transmittal form from citi with the account number where the money was sent. Citi refuse to disclose the information and all I keep getting from them is the recipient with customer Id and tracking number. XXXX says those information werent sufficient to conclude the investigation. It is been 4 months that the back and forth has been going on, and I still dont have the money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 236XX
Submitted Via: Web
Date Sent: 2024-03-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-02
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Best Buy credit card from CITI bank applied and interest of {$590.00} on XX/XX/XXXX on a remaining balance of {$390.00}, during that time and all the time I have my credit card on autopayment which applies the statement balance automatically every month and have not been late a single day since being a CITI bank customer. I was checking my account on XXXX when I found about that interest charge so I contacted the bank and explained that I never received any notification about the promo ending or an interest being applied I didn't even receive my statement or any kind of information through mail or email from citi bank so i can pay the balance. i asked them to waive that interest and that i will pay off the balance completely but they kept lying and falsifying the information being provided : first of all, it is not passed the XXXX business days role yet, so technically i can still dispute that interest charge, their customer service XXXX employee ID XXXX was rude and unprofessional and kept lying regarding the data being provided or on the account. I simply asked for this to be escalate so i can have it fixed but no one helped or did anything. this is simply a scam, i only had a balance of $ XXXX but they went ahead and charged me an additional {$590.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 370XX
Submitted Via: Web
Date Sent: 2024-03-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-02
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: Im reopening this complaint for CFPB to please review this issue and assist. This case is in connection with 2 separate transactions on my credit card, this transaction was one transaction when in initial however after the merchant cancelled the transactions I noticed 2 separate transaction from the same merchant one for {$630.00} & another for {$1800.00} however after submitting all the evidence to the credit card company showing them that this merchant literally cancelled my order off of their own will. They still went ahead and reversed the {$1800.00} credit from my account without properly reviewing my documents. THEY KEEP LISTENING TO THE FALSE INFORMATION FROM THE MERCHANT SAYING I REQUESTED TO CANCEL THE ORDER WHEN MY DOCUMENTS CLEARLY SHOWE THE MERCHANT CANCEL MY ORDER. I did not request to cancel it, the email clearly state that the merchant cancelled my order and say I will receive my refund. The merchant provided some documents saying I requested to cancel the order when that is totally false they cancelled the order & I never received any item from them. If the credit card company review the documents that the merchant provided & also the cancellation emails I received from the merchant they can clearly see the order and everything is matching & the cancellation was done directly from the merchant. They never shipped any item to me or I never received any item. I will be attaching all the documents under this complaint also On XX/XX/2024 I tried to make a purchase on a merchant website with my citi Costco credit card, I made the purchase on the website and my card got charged 20 mins later I received an email saying my order could not be processed and it got cancelled, the email says I will receive my ful refund since they cancelled my order, however after waiting several days I never received my refund, so I reached out to my credit card provider Costco Anywhere Visa Card by Citi I requested them to file a dispute to see why I havent received my refund since the company cancelled my order & said my refund was issued. After sever days of the dispute being open Costco Anywhere Visa Card by Citi keep asking me for documents which I promptly keep providing that clearly shows the merchant is the one who canceled my order & never delivered anything to me. Yet Costco Anywhere Visa Card by Citi went ahead and close this dispute based on false documents provided by the merchant, the merchant told Costco Anywhere Visa Card by Citi that Im the one who requested to cancel the order & they dont accept cancellation which is completely false information. This cancellation was done by the merchant which all my evidence provided clearly shows that the merchant canceled my order and should provide me my full refund!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 085XX
Submitted Via: Web
Date Sent: 2024-03-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-02
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2024 I opened a new Citibank savings and checking account and transfered {$30000.00} into the new checking account on XX/XX/2024. On XX/XX/XXXX I deposited my wife 's check of {$740.00} via mobile deposit into the savings account ( at this time my wife was not listed on the checking/savings account but was listed as an authorized user for our credit card account that was all linked together ). I had access to the new accounts which were linked with my credit card as well. On XX/XX/2024 I tried logging into my account and noticed I was not able to access my checking or savings account, I tried reaching out to citibank but was unable to get help due to the weekend. On XX/XX/2024 I finally reached Citibank and was notified that the account was in fraud alert and was currently under review. On Feburary XXXX my checking and savings account were closed and I was told I would get a letter at a future date in the mail about why my accounts were closed and supposedly I would receive the funds in my checking account in the mail. I tried contacting Citibank but I am just past from one department to another with no help. I have contacted the Citi Exceutive Response Unit to see if they can help me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 750XX
Submitted Via: Web
Date Sent: 2024-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-02
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Statement closed with {$4000.00} subject to full interest rate for the entire period when there was only a remaining statement balance of {$420.00} after the due date for the previous period. I was charged {$62.00} when by a typical interest rate table the interest charge should have been closer to {$10.00}. When I reached out I was told a representative who could help me was only available Monday-Friday and I had no address or email address to make my request for Citis full explanation not just balance XXXX interest rate. I originally had a promo rate and when that ended it appears Citi made that balance entirely subject to interest and didnt account for any payments before due date on the previous statement
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 15143
Submitted Via: Web
Date Sent: 2024-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-01
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: Best Buy is refusing to refund me for items I didnt receive even though XXXX has sent claim paperwork for both items they have only refunded me for one I have contacted Best Buy credit card with all this information and they are refusing to help me as well even though I never received the items and I have shown them proof
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32129
Submitted Via: Web
Date Sent: 2024-03-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A