Date Received: 2024-03-01
Issue: Problem with a company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I want to know why CitiBank took 3 months to update my account balance from {$950.00} to {$0.00} and then turned around when I disputed their reporting to XXXX and pulled a credit check on me to close my credit card which dropped me XXXX points despite paying off my full balance. My credit score dropped in one whole month from XXXX ( qualifying score for their card ) to XXXX as a result of them adding and removing remarks to my account on top of shady business practice. My score the day they closed it would have been a qualifying one had they properly reported for 3 months. They used a fraudulent score to cancel my credit card in the store as they DAMAGED my score for 3 months and my score went up XXXX points the day they CHANGED my information however my credit score surely would have been within range on the day they did a credit check if they properly reported my balance due. Nothing about my accounts has changed since they approved me, they have a full view of my credit history and should not have approved me if they seem me such a risk. Closing this account has caused further damage to my score as I sit at XXXX today and would surely be above XXXX if I had that open line of {$1000.00} credit with a {$0.00} balance. They must not have realized I make over {$66000.00} a year because there should be no reason for denial especially after I paid their balance in full. Attached in photos you will see my credit score as high as XXXX the day I disputed the negligent reporting of my credit score. You will see that XXXX and XXXX is still reported as unknown despite the date of account closing. There has been severe mishandling of this account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48135
Submitted Via: Web
Date Sent: 2024-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XXXX XXXX I opened a account with BestBuy, and ordered a gaming laptop, on XXXX, it was said that it was delivered after going to the door and it not being there my daughter immediately called Best Buy and told them that it was not there. They informed her that they would reship the order and after checking for that order on a daily basis and it taking so long to come on XXXX XXXX. I went back to Best Buy and canceled the order on XXXXXXXX and purchased a laptop that they had which I was able to get that day. A couple weeks later I noticed that they had not taken the original purchase off my credit card so I went back to the store and I was told ( per the store manager that they canceled the replacement but they failed to cancel the original purchase which they often due ) I needed to call corporate.upon calling them I was told to file a police report, which I did, I was also told to take out a complaint with XXXX XXXX. Upon calling XXXX I was advised that ( per BestBuy that the customer can not file a complaint that BestBuy had to do it.. after this situation on going for so long I received a call from XXXX executive office and was told that BestBuy was to be held responsible and that they had to remove the charges, however this is still an ongoing dispute and have now affected my credit..can you please help
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21236
Submitted Via: Web
Date Sent: 2024-03-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-01
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: Unauthorized inquiry CBNA XX/XX/23.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43207
Submitted Via: Web
Date Sent: 2024-03-01
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: Card was charged for something you did not purchase with the card
Consumer Complaint: on XX/XX/2024, CITI Bank took {$0.00} credit from my credit card account due to 'BALANCE REMOVED DUE TO 3 MOS INACTIVITY ' [ Transaction Description ]. Account had a NEGATIVE {$0.00} balance prior to that transaction. on XX/XX/XXXX, there was an monthly automatic charge made to the account. on XX/XX/XXXX, there was a payment made to the account resulting in {$0.00} negative balance. This account has automatic billing charged to it every month. Has been for months so the " INACTIVTY '' description did not make sense. when asked what had happened to the {$0.00}, the company could not answer and stated it was automatic to accounts with negative credit balances. When requested the refund for the {$0.00}, the company stated that amounts with less than a dollar could not be credited. I stated that this amounted to SKIMMING customer credit accounts that have less than a dollar negative balances. If a customer does not catch that, all those credit account negative balances can amount to huge deposits for the company across the thousands of credit card accounts they manage. The company offered to refund {$5.00} to the account but did not offer a solution to the 'skimming ' of negative balances of less that {$1.00} USD from credit card accounts with no audit trail where that money goes or why it just removed from the customer credit card account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29455
Submitted Via: Web
Date Sent: 2024-03-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-01
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Citibank is refusing to comply with the requirement under 12 CFR section 1026.11 ( a ) ( 2 ) to issue a refund for my credit balance within 7 business days, and is instead telling me that it will take several weeks.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02492
Submitted Via: Web
Date Sent: 2024-03-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-01
Issue: Problem caused by your funds being low
Subissue: Bounced checks or returned payments
Consumer Complaint: I was taken in by an employment scam, wherein they sent me checks to set up a home office but in reality were draining my account. When they had taken everything, instead of working with me at all, as a customer of over 20 years Citibank immediately closed my account and said I owe them over {$500.00}. Filed a police report about it, but obviously that's just to have it on the record, as I doubt my local precinct is going after cyber criminals.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2024-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-01
Issue: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: I had someone use my BestBuy Citi Credit Card on XX/XX/2023 to purchase a camera in the amount of {$1000.00}. BestBuy refunded this charge and issued me a new card. I have never even removed the sticker from this new card or used it, but today ( XX/XX/XXXX ), I received another fraudulent charge in the amount of $ XXXX. I have tried asking Citi Bank what I XXXX do to prevent this from continuing to happen, besides closing my account, since I do like to use this card on occasion. I have the physical credit card in my possession, but you are able to use this card in the store if you have a Social Security Number and Driver 's License. My Driver 's License is also in my possession and has never gone missing, but my Social was compromised during the XXXX breach. The associates must not be requiring a copy of my Driver 's License and are authorizing purchases simply using my Social Security Number. BestBuy can not provide any solution to this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29073
Submitted Via: Web
Date Sent: 2024-03-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-01
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: After resolution of fraud with 'citibank XXXX card in XXXX, further fraud charges were made in XXXX Apparently XXXX, XXXX and XXXX Of XXXX. I received an e-mail XX/XX/XXXX of XXXX notifying me of this matter, I am remitting this further fraud and have closed 'best buy ' citibank XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX to prevent further fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 979XX
Submitted Via: Web
Date Sent: 2024-03-06
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: They closed my credit card after disputing a charge and they close it harassing me daily
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91768
Submitted Via: Web
Date Sent: 2024-03-01
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: Citibank Aadvantage Credit Card We had Fraud on out card from XXXX. After fraud was discovered, card was closed and new card issued. All fraud charges were transferred to new card, and are shown as " pending '' on old card. I have called 5 times and put all charges under review, and each time I call, we have to start the process over again. We still have {$2000.00} of fraud charged to our card, and our bill is dues XXXX I have asked to escalate situation, and am getting nowwhere.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92694
Submitted Via: Web
Date Sent: 2024-03-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A