Date Received: 2023-12-14
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/24 stateline XXXX charged my XXXX for a part. I called to cancel the order but the charge was not returned. I was not able to successfully get XXXX to return the charge so i filed a dispute with citi bank for goods not recieved. On XX/XX/XXXX citibank closed the dispute in favor of XXXX. I filed a 30 day demand letter and contacted the XXXX XXXX XXXX and XXXX returned the money. citi however posted the XXXX to my account a second time. I have contacted citi bank XXXX times to return the money and since closed my account. They have not yet processed the return. I requested a refund for the yearly account fee that they had charged for the upcoming year since my account was closed. XXXX did not properly investigate my claim. They did not provide me the response from the merchant or contact me for more information. I am now also requesting a refund for the interest they charged for the invalid purchases posted to my account totaling XXXX 25 % XXXX for a monthly interest rate of 2.08 % XXXX x XXXX = {$15.00} interest per month x 5 months = {$77.00} interest paid from the purchase posted by XXXX 25 % XXXX for a monthly interest rate of 2.08 % XXXX x XXXX = {$15.00} interest per month x 2 months = {$31.00} Citibank also says they do not have the ability to return this interest and have been giving me the run around from department to department.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 027XX
Submitted Via: Web
Date Sent: 2023-12-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-14
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: My original complaint # XXXX was responded to in writing on XX/XX/2023 indicating that the credit inquiry and account would be DELETED from my credit report at all three bureaus within 30 days. I pulled a copy of all 3 of my credit reports through XXXX and they still show the account and inquiry and the account simply shows CLOSED. That is NOT the resolution I was promised back in XXXX. Macy 's needs to make this right. They need to do what they promised and at this point they need to provide me some kind of compensation for not doing what they promised. This was an illegal pull of my consumer report and their employee not once, not twice, but THREE times assured me that they were reinstating an old account and that NO hard pull to my credit report would be made. I had a friend with me at the time who can testify to the same. I am outraged that a company the size of Macy 's has had 5 months now to get this rectified and has not done so.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34112
Submitted Via: Web
Date Sent: 2023-12-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-14
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/2023 there were XXXX fraudulent purchases made on my account in the amount of {$210.00} ( each ). Upon reporting the fraudulent purchases, Citi canceled my existing credit card and issued a new one. They also started a dispute investigation and credited my card for the disputed charges. On XX/XX/2023 I received a noticed about an update to my dispute. In the Noticed and Letters section of the web portal, there is a billing dispute updated dates XX/XX/2023 stating that one of the charges had been reversed due to proof offered by the merchant that the charge was not fraudulent. The proof offered by the merchant clearly includes invoices and confirmation notices that state another person made these fraudulent purchases ( " XXXX XXXX '' ). Despite this clear evidence of fraud, Citi accepted the merchant 's claim that the fraudulent purchases were legitimate. I called soon after receiving the XX/XX/2023 notice about the reversed charge. The representative at the Citi fraud operations department assured me that they would continue the investigation. They also told me that I would not need to pay the charge that was currently being disputed. I called again on XX/XX/2023 for an update. The representative ( XXXX ) at the Citi fraud operations department had no update, but stated the investigation was ongoing. She stated that there would be a resolution within 90 days of the initial fraudulent claim ( she stated this occurred on XX/XX/2023 ). When I asked about disputed charge payment and interest and late fee charges, XXXX informed me that they would credit me all interest and late fees for payments not made against disputed charges once the disputed charge was resolved. XXXX refused to put this statement into writing either in the form of a mailed letter or in an electronic letter submitted through their secure web portal. As a result, I am left simply hoping or trusting that not only can they appropriately resolve the dispute within the next 2 weeks ( which seems doubtful as they did not properly review the initial evidence provided by the merchant that shows a stranger 's name on the purchase invoice ), but that they will also reverse any late fees or interest charges based on an oral conversation only. I do not want to just trust that Citi will adhere to the word of a service representative on the phone, and I have no hard evidence that this guarantee was made to me. A statement in writing would be appropriate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 024XX
Submitted Via: Web
Date Sent: 2023-12-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-14
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: The first time I received closure letters as to my my personal bank account, business bank account and personal credit cards, was letters from Citibank dated XX/XX/2023. However, after inquiring as to the reason why the accounts were to be closed, I received letters back stating that the accounts were closed in error and the credit cards have been re-activated. Furthermore, my Citibank personal and business bank accounts also remained open ( Please see attached bank error letters dated XX/XX/2023 ). Now, I received another sets of account closure letters from Citibank, dated XX/XX/2023. Since XXXX of XXXX to now, nothing has changed neither in the use of my accounts, my personal nor professional life. I have been a loyal Citibank customer for over XXXX XXXX XXXXXXXX XXXX years. My credit score is excellent, there have been no late payments nor did I ever have any other issues with Citibank. I am a practicing attorney in XXXX XXXX, have not been involved in any criminal matters or have any pending criminal cases against me. Citibank also for the XXXX time, sent my parents an account closure letter. My parents, XXXX and XXXX XXXX, have been with Citibank for even a longer period of time than me. My father is XXXX and I believe he is also being targeted by Citibank. Because of the above, I believe there are discriminatory banking practices involved and I am demanding an investigation as to Citibank 's discriminatory banking practices as to the reasons of my account closures. I am an XXXX woman and believe I am a target of Citibank 's dissimilatory banking practices.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07751
Submitted Via: Web
Date Sent: 2023-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-14
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: Prepaid for a XXXX car rental thru XXXX XXXX ( XXXX XXXX XXXX XXXX with XXXX ( reservation # XXXX ). 2 days into car rental, it broke and had to be towed away. XXXX did not provide a suitable alternative and we had to rent another car from a different agency. XXXX says we need to talk with XXXX XXXX and XXXX XXXX says we need to talk with XXXX. Nobody is helping so we disputed the charge. Spoke to a Citi dispute representative at beginning of XX/XX/2023 who said we need to provide proof of when the car broke and to request a partial refund because we did have it for 2 days. I sent all requested documents and Citi denied the claim saying I now need to provide proof of for the refund I will be getting. This makes no sense because I would not have disputed this if there was any communication of a refund. It it is clear Citi 's policies are for merchandise only. You got the merchandise or didn't get the merchandise. In my case for Citi I had the car so there is no dispute even though it was for 2 out of 8 days. They have no policies to deal with partial services and care nothing to help resolve them. Their only concern is making the vendors they pay happy. I was instructed what to, followed it, and then as a result of following their instructions was told there is no dispute with out showing proof of a refund. This is a deceptive practice instructing a customer what they need and then using it against them. In my case it was telling them I had the car for 2 days and wanting partial refund. They don't do partial refunds or advocate in anyway for services partly provided. I need either a partial refund of {$390.00} ( 5 days not used ) or the full refund of {$620.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55122
Submitted Via: Web
Date Sent: 2023-12-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-14
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: - We paid for our Citi Bank Best Buy card over the telephone using the business account. XXXX - Best Buy said that they never received the payment. XXXX - We sent them a copy of our bank statement proving that the money was taken out of our business account by Best Buy for exactly the {$210.00} for the XXXX XXXX XXXX XXXX XXXX. - Their response was that we must have gone to some store somewhere and purchased exactly that amount of merchandise from Best Buy because they lost our payment. - I called again and got a supervisor who admitted that we did not make any purchases from any of their stores during XXXX. And yet, this is still not enough for them. - During this time penalties and interest started adding up. - They started hitting my credit score which was over XXXX. - To combat this, I cancelled the XXXX XXXX, losing all of my warrantees, but I received a prorated credit for the rest of the year. - I paid the amount still due in order to save my credit score. - Best Buy is demanding that our bank, the XXXX XXXX XXXX, produce an audit trail for exactly where they sent the funds. The XXXX says that there is no such thing, but I am working my way through a process with the bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43055
Submitted Via: Web
Date Sent: 2023-12-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-14
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I created an accelerated savings account with Citi Bank, the account was originally going to be funded by another account I had with XXXX XXXX XXXX, I made two transfers, one for XXXX and another for XXXX XXXX thought this was fraudulent activity and reversed the transfers, they said I could only transfer the money to by every day checking account with XXXX XXXX so I transferred all of it to XXXX XXXX and closed the account with XXXX XXXX XXXX. Then I moved the funds from XXXX XXXX to Citi. This morning XXXX I tried accessing my citi account and could not. Then when I contacted them they said they could not help me or give me any information about my account there, that I would receive a letter in the mail. They are holding about XXXX of my money and not giving me access to it. This is extremely frustrating as this is all of my savings
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35811
Submitted Via: Web
Date Sent: 2023-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-14
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/XXXX, Home Depot ( CBNA/THD ( Home Shopping ) made a hard inquiry on my credit without my permission. I complained to customer service. They told me that they would forward the matter to a supervisor to look it to what can done. Today I received a letter stating that no late payments had been reported to the credit bureau. ( Letter attached ) Well, I already knew that, and, that was not the issue. I want the inquiry removed since I did not authorize it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43612
Submitted Via: Web
Date Sent: 2023-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-14
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Citibank called me XXXX times between XX/XX/2023 to XX/XX/2023 As well as left me XXXX voicemails in that time. When I called Citibank to complain about the harassing calls, they informed me they were not required to notify me of FTC regulations and or should they had any knowledge of FTC regulations.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 47403
Submitted Via: Web
Date Sent: 2023-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-15
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Charged for sales tax on XX/XX/2023 for unknown reason and nobody will help me at Citibank, the card issuer. There was no purchase made so how is there sales tax on a ghost item?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 905XX
Submitted Via: Web
Date Sent: 2023-12-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A