Date Received: 2023-12-19
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: Today is XX/XX/. Since XXXX XXXX, I have been trying to get Citibank to refund three clearly fraudulent charges on my account to no avail. I noticed three suspicious charges on my account. I called to report them, and Citibank promptly issued me a new card. I thought the matter was closed until I received an email on XXXX XXXX stating that they believe the charges to be legitimate based on evidence provided by the merchant. I called again and asked if they could send me a copy of the evidence they were provided, and I was told I'd have it in my email in 24 hours. By the next evening, I had not seen anything, so I called again. I was again told I would have it in 24 hours. I logged into my account and found that I could pull up the evidence myself in their dispute center. Not once did a representative suggest that as an option. I downloaded the pdf documents ( please see attached ) and quickly realized that the " evidence '' was flimsy at best. 1 ) The web address the merchant provided does not exist : XXXX XXXX XXXX. 2 ) I am not associated with the email address the merchant claims I used, XXXX. The irony of " lost XXXX '' is not lost on me. 3 ) the merchant 's IP address originates in XXXX XXXX, XXXX, XXXX. Additionally, Citibank told me that my credit card was not physically present at the time of purchase, and that they agreed the discrepancies I provided were compelling. All this clearly spells out fraud to me, but here it is three months later and I'm having to fight to get any sort of movement out of Citibank. My last interaction was this evening... I told them they could have until end of the next billing cycle before I submitted a complaint here, but I've subsequently changed my mind. This is ridiculous.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80021
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-20
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: This company claims a debt is new and shows on credit report as defaulting on the debt on XX/XX/XXXX. This debt is old and it was charged off in XXXX XXXX. I am still contacting the original creditor and yet to be contacted back because they couldn't find the information on the credit card only to who it was sold. It has been sold twice to two different companies. The statues of limitations for my state has expired and they have been treating me to sue me to collect this debt.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91911
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-19
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/XXXX, my personal and business checking account was compromised by an individual in Kansas and North Carolina trying to cash a fraudulent business check, at the same time another individual attempted to remove money from personal bank account, both at XXXXXXXX XXXX XXXX XXXX froze all my bank accounts that were tied to Bill Pay through XXXX. XXXX froze all the payments to all the credit cards, which included Citi Costco Visa and Citi Double Cash. I called both Citi Costco and Citi Double Cash to inform both institutions that my bank accounts were frozen due to an attempt by individuals to remove money from my bank accounts, and that I was a victim of fraud. Both Citi Costco and Citi Double Cash immediately closed my accounts, and representatives stated that in order to determine the reason for Citi closing my account was to wait for the mail. Not only did Citi close my accounts they also removed all my cash back points WITHOUT informing me before closing my account, denying me any amount of rewards on both the Citi Double Cash and the Citi Costco cars. As a VICTIM OF FRAUD, I have been frustrated and disappointed at how Citi treats customers that have been defrauded or had an attempt to defraud business and personal bank accounts. The reason that was provided to me by Citi in their letter dated XX/XX/2023, was " ... a recent review of your account shows one or more late or returned payments in the past six months on this or another related account. '' In addition to the letter issued on XX/XX/2023 from Citi Double Cash informing me that they closed my account, they also sent a separate letter stating " We're unable to reopen your account '', that " ..we 're unable to approve this request because your account history showed one or more late or returned payment ( s ) in the past six months ''. I am being PENALIZED by Citi even though I explained that I was the victim of fraud, and no amount of calls to Citi would consider this as a valid explanation as to why there were missed payments due to the bank and XXXX freezing the accounts due to FRAUD attempts I made attempts to speak to supervisors in the customer service and in the rewards department only to be passed around several times, and to land back at customer service who, reading from a script, kept informing me that all my rewards points were removed when my account was closed. This is pure blatant abuse by Citi! I have been a long time customer of Citi, with both Citi Costco and Citi Double Cash and that my payment history and my excellent credit score speaks for itself. To treat long time customers with good credit that were victimized by fraud in a manner that is degrading, insulting, appalling, and shameful.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97401
Submitted Via: Web
Date Sent: 2023-12-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-19
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: Summary of the issue : The order : Order # XXXX was not received by me. There are numerous reports online of issues with orders not being delivered but being marked as delivered by the carrier XXXX ( which Macy 's used to deliver this order ), which I suspect might have happened here. I believe both Order # XXXX and Order # XXXX were shipped together as one package but the entire package was not received by me. I have already received a refund for the non-receipt of Order # XXXX. But for Order # XXXX I have raised the issue twice now and I have been denied a refund by Macy 's. Timeline : Before XX/XX/2023 - I tried to mark item as not received thru Macy 's online account. Denied issue of credit. XX/XX/2023 - Phone call to Macy 's Customer Care to raise a non-receipt of item complaint XX/XX/2023- Inquiry submitted directly to the carrier XXXX. Details : Case number : XXXX Tracking Number : XXXX XX/XX/2023 - Second Phone Call for the same issue. Denied refund of credit. XX/XX/2023 - Email sent to " XXXX '' with subject " Non-Receipt of order number : XXXX. Final attempt '' XX/XX/2023 - Disputed charge thru Macy 's online portal with below details : Case ID : XXXX STATUS Open Amount : {$130.00} Date Submitted : XX/XX/2023 XX/XX/2023 - Received postal letter from Macy 's ( XX/XX/2023 ) resolving the dispute by refusing to issue a credit for the non-receipt of items after their investigation. No reply from the carrier " XXXX '' yet. Macy 's has not furnished me with any video or a photographic evidence that the package was delivered. Instead, on the letter dated XX/XX/2023 from Macy 's they have included a screengrab from XXXX of the item delivery, which can be easily falsified. Macy 's should also take into account of the numerous reports online of issues with orders not being delivered but being marked as delivered by the carrier XXXX, which is most likely to have happened here. I am attaching a report of XXXX reviews from online where numerous customers and a news report have all complained about XXXX. Macy 's should also look into my account history and verify that I have been a customer for many years and not a single time was a dispute raised with them except for these items marked as delivered by XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10016
Submitted Via: Web
Date Sent: 2023-12-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-19
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/XXXX at XXXX a packaged for {$710.00}, I ordered with Best Buy using my Best Buy Citibank Credit Card was delivered by XXXX XXXX At the time of delivery, I was on a XXXX XXXX XXXX XXXX XXXX XXXX XXXX. That cruise was from XXXX XX/XX/XXXX. I also provided the credit card company proof of that during this dispute. I got home from the cruise on XX/XX/XXXX and did not have a text message saying a package was delivered. Which was odd because we have parcel locker boxes that XXXX and other carriers are supposed to use which stores the package in locked box and will send you a text and code to get your package. My apartment complex provides these boxes so stuff like this doesn't happen. I looked up my XXXX XXXX number and the proof of delivery photo shows it on a counter which is located downstairs in my apartment complex across from the USPS boxes. I went down there and the package was not there. Anyone who walks in this building could have taken it. Why was it not put in a parcel locker box? Why was it not delivered to my address apt door # on the shipping address? I immediately called XXXX and opened an investigation on this situation. That following Thursday XXXX called me back stating that Best Buy is the shipper and needed to call them and file a lost and stolen claim as they were at fault for not delivering the package properly. I took every step possible to try and get Best Buy to contact XXXX and do what they asked and they refused stating it was delivered properly based on proof of delivery. I have a chat log showing me telling them to contact XXXX and do that as well. Bottom line is though it wasn't delivered properly. Proper delivery would be them delivering it to my apartment door # listed on the shipping address, which the proof of delivery photo from XXXX, when you look up the tracking #, shows it was left on a counter. That is not my shipping address apartment door. So it was not delivered properly. And anyone could have taken that package, including the driver after snapping that picture based on where it was located. To top it off, I was on a cruise ship on XX/XX/XXXX. I couldn't even check then and they should have either brought it to my door listed on the shipping address or put it in a parcel locker box which would have secured the package and this would have never happened. Listen, I can't force Best Buy to call XXXX and file a lost and stolen claim like XXXX said for them to do. But it also wont let me file that claim, because best buy and XXXX have a contractual agreement and they need to be the ones to do it. So I had one last option, file a dispute with my Best Buy Credit Card who is done by Citibank. I filed this dispute with Citibank on XX/XX/XXXX after spending hours on the phone with best buy and XXXX trying to get this fixed. I just wanted my item, that I never received. But Best Buy was not doing what XXXX asked and I can't again force Best Buy to listen. So I filed this dispute with Citibank on XX/XX/XXXX for the amount of {$710.00} for not receiving the item and because it was not delivered properly. I sent Citibank tons of proof and documentation. Including a best buy chat log showing me to tell them to contact XXXX and file a lost and stolen claim, a police report, I sent them the XXXX proof of delivery photo which shows the package on a counter and not delivered properly to my apartment door etc. A few days ago Citibank closed this claim, stating Best Buy sent them proof of delivery stating they will not charge it back or refund the item and it was delivered properly. Honestly, I beyond disbelief at how this has been handled. I clearly showed Citibank proof with the proof of delivery photo from XXXX that it was not delivered to my apartment door. I sent them a police report and all this information. Why would I spend XXXX plus hours, file a police report and go through all this if I had the package? I was on a cruise ship when it was delivered and where it was delivered was in an open area downstairs in my complex. not a parcel locker box which we have here which would have secured it, not my actual apartment door which is listed on the shipping address. Also the item is {$710.00} how come they didnt ask for signature or put it at a XXXX drop off location if they had issue or because of the value of the item. I am filing this against, Citibank for denying my claim and accepting what best buy said when its not even valid especially with all the proof I provided. If I am not refunded, I will be seeking legal action. Also I have a XXXX credit score, I have never been late on any payments and I have no debt. So I am extremely upset at Citibanks handling on this. I should not have to pay for item that was not properly delivered and was stolen.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 328XX
Submitted Via: Web
Date Sent: 2023-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-19
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 am following up on a dispute I had made on my Best Buy Credit Card of last year. ( XX/XX/XXXX ) I had filed a dispute roughly a month later ( XX/XX/XXXX ) stating that the service was unsatisfactory the service was lazy ( parts in my vehicle were not reinstalled properly causing issues ), expensive ( low quality parts were installed it would seem I had came to have brakes replaced under warranty in XXXX last year. Afterwards I continued to have issues with the faulty brakes, so instead of going back to have them fix my braking system under warranty I proceeded onto my next step. I made a complaint on XXXX ( XXXX XXXX XXXX ) of the services performed, quality of work, price gouging, and manipulation to consumers that the services they belive your vehicle needs is required when in reality it isn't. I had submitted this complaint middle of XXXX online and awaited a response never got one. ( I was very busy I couldnt just go to the shop. Therefore is why I made the complaint online... the company states they had no Idea of the complaint although I do have the complaint* handy ) Moving forward the dispute on my file didn't go in my favor. My vehicle has been needing attention the audible noise, pulling left and right on the steering wheel, and visible smoke from the braking system was and has been unbearable it as well was putting my jobs at stake. I came to a point of realization I didn't want to deal with this company anymore I wanted to take my buisness somewhere else and forfeit the faulty braking components they installed on my vehicle and get my money back. Realistically nobody should have to come back for work more than two times for a job that shouldve been done correctly the first time with the money paid there should had of been no problems. My offer does still stand on returning the braking components and do my business elsewhere for a full refund otherwise I will not pay the bill I authorized. In addition to the authorization of the bill the workmanship performed if at all was untolerable. I had to fix the mistakes they made due to them not completing the job properly and as well go out of pocket with everything they touched on my vehicle and to this day I'm having to fight for a refund on this bill that way I can have my vehicle serviced for brakes elsewhere. Not only this debt remains unpaid ( {$1900.00} ) but I still have to have my braking system done elsewhere. The shop is practically robbing me and saying " Pay {$2000.00} just because and go get the job done properly elsewhere ''. I had opened a case in small claims due to the outcome not going in my favor on the Best Buy Credit Card but even so the justice system is not in favor of the little guys. I have all the evidence I need that they ripped me off by upselling, poor workmanship, poor communication, and untrustworthy business practices and even on my end I did my part and I went about the dispute and case as best as I could I as well have a quote* from a local shop that use high quality parts and quality worksmanship. I documented as I went about this dispute and have done so as best as I could. I held off on working on my vehicle until the case was resolved. In time I had to start working on my brakes little by little. Money doesn't grow on trees and I didn't want to put my life in danger anymore with having faulty brakes so I kept the reciepts of the work and parts I had to pay for outta my pocket. I do have more to go which would be the XXXX rotors. Every bit of work they performed was under warranty and even so in the court room they stated that I could go to any XXXX XXXX XXXX XXXX in the US to have my brakes serviced under warranty. I drive a hour from the city XXXX was located ( XXXX, SC - Where work was performed in XX/XX/XXXX ) and requested warranty work ( they set me up for an appointment on XX/XX/XXXX of this year ) and I got clarification from the buisness in XXXX that they would be paying for the warranty work via phone on XX/XX/XXXX so I had made my way to XXXX, SC on XX/XX/XXXX and this XXXX in XXXX told me that XXXX the manager at the XXXX in XXXX denied paying for the warranty work although the XXXX in XXXX stated that warranty work can still be performed. I had made a phone call on a recorded line asking what was going on and they denied me service although they are supposed to honor the warranty according to the FTC ( Federal Trade Commissions ) which is a breach of contract and as well Illegal. I'm seeking a full refund or to make it whete i only owe {$1000.00} rather than {$2000.00} the labor is the biggest scam of this purchase I only came for a brake job that's all. Everything else was just looked at and not touched and you can't tell me it costs {$1000.00} to look at something.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 296XX
Submitted Via: Web
Date Sent: 2023-12-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-19
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Over a year ago I was granted a Home Depot Store credit card with a {$2000.00} credit limit. I did not exceed my limit and made all payments on time. Without warning at some point my credit limit was reduced to {$600.00} and then {$500.00}. However, Home Depot never corrected what was considered to be a high balance when the credit limit was {$2000.00}. As a result my credit reports show a {$500.00} credit limit with a high credit balance of over {$900.00}. This is not fair because it can be easily be construed that I exceeded my {$500.00} credit limit by {$400.00} dollars and that never happened. There is no history showing that my credit limit was more than {$500.00} at the time I had the $ XXXX due.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 785XX
Submitted Via: Web
Date Sent: 2023-12-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-19
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/2023 around XXXX XXXX PST, Citibank closed my account with the total of {$3800.00}. On XX/XX/2023, I transferred around {$3000.00} from my saving account to my checking account. Right after, I transferred {$2900.00} to my spouse to pay him for what he paid for me. I did not commit any treason or fraud nor did I break any rules with Citibank. I found this situation absurd and would like to make a complaint. I was told I would get a check for my accounts but fear that Citibank might not fully commit on giving my my money back as well.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95111
Submitted Via: Web
Date Sent: 2023-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-19
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Sent complaint to XXXX, XXXX XXXX XXXX, XXXX, TX XXXX. { XXXX } XXXX notified me of a late credit card payment in the amount of {$230.00} from Citi Bank Credit card # XXXX closed that account last month, { XXXX 2023 } Citi card did not honor a 15USC 1666i that I invoked on XXXX. I am in compliance with all of 15USC1666i 's conditions to make Citi Bank pay this charge of the products including the interest amount. The total is {$230.00} as of today. Citi bank has never acknowledged this fact even after many letters sent certified mail that they received my letters, and they are responsible for the amounts in question. I do not owe Citi this money now. XXXX never verified this late payment information before posting this big untruth. All the credit card reporting agencies have lowered my credit reporting number by XXXX points. This will be hurting my future, financially damaging it. { wife XXXX XXXX also. }. Please enforce Federal law as to protect my families ' Federal rights. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Maine XXXX, XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ME
Zip: 041XX
Submitted Via: Web
Date Sent: 2023-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-19
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Recently I opened an account in Citibank, using their website. Everything was good, they sent me a Debit Card and I was managing my account without any problem. Last Friday I received a paycheck from my Employer ( XXXX XXXX ) and I decided to deposit it into my new account ( Citibank Account ). Yesterday ( XX/XX/2023 ) I called to the bank because my access to my account wasn't working and they told me to call a fraud phone number. I've called today and they said that my account was closed due to a potential fraud transaction ( referring to this check mentioned above ). I asked for my funds and they said that after the account is completely closed ( 30 to 60 days ) they will send me a check with the funds. At the end I won't receive my funds in at least 70 days. This is part of my salary and the bank is taking it illegally. I need help to resolve this issue. Thank you so much
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77057
Submitted Via: Web
Date Sent: 2023-12-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A