Date Received: 2023-12-15
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: My spouse is XXXX XXXX military enlisted/serving in the state of Louisiana. Under LA statute RS 29:312, credit lenders are supposed to be capped at 6 %. Please adjust my account accordingly. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 704XX
Submitted Via: Web
Date Sent: 2023-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-15
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Our XXXX XXXX XXXX XXXX has been the repeated victim of ACH fraud and Citibank both didn't take commercially reasonable steps to keep our money safe and is not refunding us. We reported all of the fraudulent transactions within 2 weeks of the fraud taking place- often within days. We have made many internal appeals to Citibank- none have been in our favor. We have also asked repeatedly why no security measures were taken to protect us from this fraud but have not been given satisfactory answers XX/XX/XXXX : Fraudulent ACH XXXX debit for {$300.00} - initially received a refund on XX/XX/XXXX but that refund was reversed on XX/XX/XXXX XX/XX/XXXX : Fraudulent ACH XXXX Debit for {$1300.00} - reported to Citibank and we never received a refund. XX/XX/XXXX : Fraudulent ACH Credit card Pay to XXXX for XXXX : initially received a refund but that was reversed XX/XX/XXXX : Fraudulent ACH credit card pay to XXXX for XXXX : initially received a refund but that was reversed XX/XX/XXXX : Fraudulent ACH transaction to ACH XXXX XXXX for {$800.00} dollars : initial refund that has not yet been reversed
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94703
Submitted Via: Web
Date Sent: 2023-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-15
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: several months ago my step son told me his mother received a call from a debt collector for me. thats all the info I had. I did nothing. two days ago, my daughter, who is married with a different last name got a text addressed to me asking I call XXXX re acct # XXXX. No other info. I called the number and asked right away what it was about. the woman said they were not a debt collector but were trying to collect a debt. I asked for who and she wouldn't tell me. She started going off on all this legal info and I asked several times before she told me any more that I wantedt ot know who the creditor was. she put me on hold to go talk to a supervisor. I hung up. She called me back from XXXX. She said we were disconnected and i told her no, i hung up bc if she is not willing to give me any info on the creditor I was not interested in hearing any more. she told me i would not be disrespectful to her or talk to her like that. I hung up. I then did a number search on both numbers and the best I came up with is that it was a scam. no infor on those numbers came up. I got a text message today from XXXX asking for me to call re the same acct number. I called. I was then told that the debt was from XXXX for staples. but that it has been charged off in XXXX I asked what the name of the company was that was actually calling me and was told it was XXXX XXXX but that they are not debt collectors, they are the ones who will file a law suit against me if I do not pay. If I agree to pay they will let me pay {$700.00}. but if they sue me it will most likely be for about XXXX or XXXX dollars. she said they will serve me papers. I said well, I haven't heard anything from anyone for 13 years. if they know how to serve me at my current address why would then not try to send me letters to try to collect. she said it was not their job to find me only to serve me if they want to sue me and that if I don't pay they will garnish my wages and have my bank accounts frozen. I trold her I was on a fixed income bc I am XXXX and receive ssdi and I didn't think they could garnish that or freeze my accounts and she said oh yes they can and they will. she asked if I wanted to talk to the? mediation dept? I said yes. I was then threatened again that I needed to give my email address bc they dfo n't do anything by regular mail and that I needed to agree to pay today. she then asked for my credit card numbe I would be paying with and I said, wait, I have no idea if this is even real and you want me to just give you a debit or cc number? no, I am not doing that. I want documentation sent to my home vial mail. she said we do not do that. You can either pay {$700.00} & change today by XXXX or you will be sued. she said she couldn't email me the documents UNLESS MY DEBIT OR CC NUMBER WAS GIVEN. I refused. Then I said, I moved several times, each time I put in a change of address, if they were in fact trying to getr in touch with me, I would have gotten mail forwarded to me. I was at the address they had on file for 3 years before I moved and the next house I was at for 3 years and not once did they send me anyrthing. she said, its not their responsibility to find you. and I told her, well you have my current address now and you rigfht away go to suing me? I ended the call. I then did a search and I read that ssi & ssdi payments for XXXX can not be garnished and that the statute of limitations in MA is 6 years. They charged this acct off in XXXX I feel this is a last ditch effort to collect on a debt that I CONTESTED in the first place because it was for a defective computer that they refused to let me return and refused for 3 years to fix. Now they are threatening to freeze my bank and sue me and were very nasty on the phone and yes, I got nasty back bc I felt threatened. This is wrong and I feel illegal. I know if they continue to contact me more than once a week that is illegal as well and I will continue to file complaints until they stop. I am still unable to find any information on any of the phone numbers that were used to contact me. I dont even know who or what this XXXX XXXX XXXX is. I only know I did get an email and I will not open it because I really don't know if this is a scam or not. this debt doesn't even show up on my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01545
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-15
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I opened a credit card with citi bank and was told i would receive a credit limit increase after 6 months i funded the card {$300.00} made my payments on time and next thing my account was closed and i was mailed only a {$30.00} check in which i should have received the entire {$300.00} back. it was no reason for the account to closed and i also never requested for my account to be closed. I needed the card to keep my credit limit on my credit report to help my score once my account was closed my score dropped. citi bank has put me in a hardship from closing this account without my permission.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92881
Submitted Via: Web
Date Sent: 2023-12-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-16
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: To whom it may concern : I am writing in regards to a complaint I have with Citibanck, N.A. I have been a customer of theirs for over 30 years. I haven't had any major complaints, until now. On XX/XX/2023 I was on vacation and used my Citibank card to close a bar tab at a restaurant called " XXXX XXXX '' in XXXX, XXXX XXXX XXXX. I gave the owner 's son my credit card to close out the {$160.00} bar tab. When he brought me my receipt, he had accidentally charged me {$1600.00} instead. When I brought it to his attention, he apologized and went to correct it. Unfortunately, he was unable to issue me a credit because he could not get the terminal to process a refund. The owner, XXXX, came over and explained to me what had happened and they were having a problem with the terminal. She said she couldn't get a refund to go through either. She asked me to dispute the charge and she would not contest it. I told her I would do that and then I did NOT sign the incorrect receipt. Ten minutes later she ran my card again. This time for the correct {$160.00}. Even though the tip was already on the bill, I included an extra {$8.00} tip on top of it for the good service bringing the total charge to {$170.00}. When I returned to the United States, I contacted Citi on XX/XX/XXXX to contest the charges. They opened dispute number XXXX. I had assumed this would be a fairly easy dispute since the receipt was never signed, and another charge issued a few minutes later with the same card, and the merchant was NOT contesting the chargeback. Sometime later, I received a letter dated XX/XX/2023 that said they had turned down my dispute and charged the full {$1600.00} back to my account. I proceeded to contact their dispute department again on XX/XX/XXXX and ask why. The supervisor ( XXXX ) told me that the dispute was filed under an incorrect title. She said she would close this dispute and open a new dispute under the correct title. She opened dispute number XXXX. On XX/XX/2023 I received a letter from Citi saying that they previously took the money from the merchant but then said " I cancelled the original dispute. '' The supervisor is the one who closed the dispute, but the letter said that since I closed it, they will not reopen it. Since that time, I have spoken with XXXX customer service agents, XXXX different supervisors and written a letter pleading for help all the way up to the board of directors and the Citibank CEO. All with no help or anything but the same form letter saying that I should not have closed the dispute. I have messaged back and forth with XXXX, the business owner. She shared with me all the emails back and forth with her bank. I have email the representatives from her bank that gave me the dates and tracking numbers of the money sent back to Citibank. She can not send me the money because Citibank currently has it and that would put her small business out {$1600.00} while Citibank does nothing to rectify their error. I have given the dispute department ALL of this information for what would seem to be an open and shut case. I just get the same excuses and responses I've gotten for the last 6 months. Citi disputes tells me that there is no one higher to escalate this case to past the XXXX supervisors I spoke with. I am at a complete dead end. As I stated in my letter, I know Citi is a $ XXXX corporation and my business means nothing to them, but this is ridiculous. It is a horrible breakdown in customer service and proves that since they're " too big to fail '', they don't need to be concerned with stealing money from their customers. I have included all of the emails, screen shots of messages, receipts and emails from the business owner and bank in the XXXX XXXX XXXX. If there is anything else that you need to address this issue, please reach out to me. Respectfully, XXXX XXXX XXXX
Company Response:
State: TX
Zip: 76262
Submitted Via: Web
Date Sent: 2023-12-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-16
Issue: Other transaction problem
Subissue:
Consumer Complaint: On XX/XX/2023 about XXXX PST, I added an external credit union account to transfer {$10000.00} was denied on the Citi website. Called the toll free number and was put on hold for ~40 minutes to only be told that the Fraud department is closed and to call back the next day. Next day XX/XX/2023 around XXXX PST only told to call the Fraud department back in the 3-4 hours. The representative told me I would get a call back instead. Got a call back from the person that said everything was resolved but it wasn't as I tried again to transfer the money and was denied. I called again and was to wait 3-4 hours before the online account would reflect. I asked if the representative if I go to a bank would they be able to give me all my money in cash. He said yes. Without ever knowing if I would ever be able to get my money out of the bank, I made an attempt to liquidate the account in cash in person at XXXX. I was told I could not be given the complete balance and that {$20000.00} was the maximum. I had to wait for an authorization from some remote department. I was given the amount in cash. I went to a second location ( XXXX XXXX, XXXX ) at XXXX XXXX to continue to attempt to get all my funds and was only given {$10000.00} after talking with the fraud department. Then I went to a third location to attempt to withdraw the maximum in cash and was denied after getting verified. I went back home continue to try again to transfer {$10000.00} online and again I was denied with the same message. Again I made another attempt to reach a person and find out what was going on at XXXX. Again referred me to the XXXX department that was closed and to try the next day. On XX/XX/XXXX, I tried in the morning at XXXX PST to call and was told everything was again resolved and to wait some time for that to reflect. On XX/XX/XXXX my online account was deactivated and I was again referred to the Fraud department. They told me to wait for a letter but I already wanted to liquidate and close my account. I only wait for another ACH transfer I initiated to withdraw from that account to clear before I closed. I had to call in to get make sure I get my money and to be able to close out the account due to their inability to be clear on the rules for fraud and fraud detection. No where in any of this was I communicated that I should not withdraw large amounts or that my account would be restricted if I continued this. No one gave me any support to say this initial matter would be resolved. Had I know transferring money out of an account with Citibank would be an issue I would never had opened one.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95618
Submitted Via: Web
Date Sent: 2023-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-16
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: Citi 's collection tactics have severely damaged my reputation at home and are causing me to go into XXXX. From XX/XX/23 to XX/XX/23, I counted nineteen total times they called me to collect one of my past-due credit cards. For another Citi card ( Citi Besy buy card ), I counted twelve times they called. This is a clear violation of the 7 in 7 rule the CFPB has in place for contacting consumers. I feel they are treating me unfair and feel harassed. I am extremely upset about their voice message, they are not limited content messages. The message indicates I should log in to check my account 's status. This was read by my XXXX daughter. She went into a XXXX after reading this message and suffered XXXX about the household not doing well financially. This has ruined my reputation at home. The voicemail does not say specifically to log in to make a payment but says to check my account status which implies my account is behind. Many years of perfect payments with Citi and it is sad to see such aggressive collection tactics to one of their long-time members.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78201
Submitted Via: Web
Date Sent: 2023-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-15
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 attempted to purchase {$270.00} of items from XXXX XXXX XXXX merchant back on XX/XX/2023, order # XXXX. I was supposed to receive the items within 10 days. I did not receive anything. I tried MULTIPLE times by email and phone to reach XXXX XXXX and no one responded other than initial vague email about a delay due to weather issues. After waiting like 2 months and hearing nothing, I did some research and found they routinely do this to their customers. They either never deliver the items or, when finally tracked down and hounded, they deliver items of lesser value. According to reviews I read, they even pour out the vintage wine and replace it with wine or who knows what of lesser value, significantly less value. Also, their store front is never open and people openly wonder if this is some sham money laundering operation. I am shocked that alcohol, tobacco & firearms is not investigating this company. So, frustrated at the lack of response and no longer wishing the items, I complained to Citi and they started to research. They first credited my account and then they just reversed the credit. XXXX XXXX simply sent them proof of my order - yes, I ordered the items but I NEVER RECEIVED THEM!! So that is fraud. I don't know what Citi 's problem is and I also find it shocking that someone does not look into this very sleazy operation in XXXX. I asked a local wine merchant here and he told me that XXXX XXXX XXXX is notorious for charging customers for vintage wines they never deliver ( or they deliver something that is not the actual product - like pouring out fine champagne and filling it with a cheap substitute or who knows what ). What does it take for the govt to do something about wine fraud? It is not even safe for them to be pouring out fine wine and pouring who knows what into these bottles and sending it to people. Isn't that supposed to be regulated? Also, what evidence does Citi need just to send me my refund? Seriously? Thank you, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 347XX
Submitted Via: Web
Date Sent: 2023-12-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-15
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: Hello Hope you are doing good On XX/XX/2023 ( 2 month ago ) I tried to do XXXX XXXX and i was searching on XXXX and found one company which it was so professional and i emailed them, they responded professionally and they provided me some services with price which i attached on this complain And request them for services and they promised me to do the XXXX job in 30 Days and after 3 weeks of contract i tried to contact them but nobody didnt respond and they didnt even answer the phone And i waited till 30 day as of they promised on contract to do the job and after 30 day tried calling them again but no Respond I opened a dispute claim and also fraud Claim with CITI BANK and sent all information including emails and Contract but they refused to pay back and still showing investigation on your behalf and no body doesnt give me any information in this bank, someone scammed on me and fraud me and they steal my money and i Cant do anything and the bank refused to pay back and also they remark my credit report what it wasnt my Fault that they scammed me and someone fraud my money and stole it Please please fallow up and investigate this issue The company name is XXXX XXXX And amounts charged and dates is : {$3700.00} XX/XX/2023 and {$9500.00} on XX/XX/2023 Dispute claim opened on XX/XX/2023 And fruad Claim opened on XX/XX/2023 Which the scammer mentioned on contract they will refund full amount if the customer didnt get any services and I didnt get anything even phone answer Also invoice screenshot has been Attached on this Claim Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91604
Submitted Via: Web
Date Sent: 2023-12-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-15
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: This is a follow-up to complaint XXXX I was charged interest on a 0 % APR balance. Citibank claimed they had reverted the original issue and to my surprise, and as I suspected, they did charge interest. Dealing with Citibank is one of the worst customer experience I have ever received.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76226
Submitted Via: Web
Date Sent: 2023-12-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A