Date Received: 2023-12-12
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: My Best buy credit company did not adding my first payment for initial purchase {$780.00} from XX/XX/XXXX to my payment records for two month. this purchase money I suppose to paid off in 18 months with 0 % rate. I did my first payment in advance in 13 days of of {$67.00} on XX/XX/XXXX for XXXX pay period but they didn't reporting this transaction till XXXX pay period statement, XX/XX/XXXX. They combined it with my second payment {$60.00} in XXXX XX/XX/XXXX as one {$120.00} transaction and wrongly classified as one late payment. By doing this unlawful payment manipulation they ruined my payment history and announced majority of my payments as being late even all payment done in advance 13-28 days. Even I paid in advance in full in 12 month instead of 18 Best buy credit company forcing me to pay extra {$990.00} and threatening my with bad credit history. I am adding my all payments history below.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95661
Submitted Via: Web
Date Sent: 2023-12-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-11
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: A week before my credit card was due I started emailing the compnay letting them know that I could not login. I went through the prompts to reset my account on the website several times. Each time, the system failed to allow me to reset my password. I sent several emails letting them know I was locked out of my account. No one responded. Instead, a week later they sent an email saying I was overdue. But I made several good faith attempts to resolve the issue before this occured. They charged me {$100.00} in fees! I want those fees refunded.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 229XX
Submitted Via: Web
Date Sent: 2023-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-11
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 noticed about {$1000.00} in unauthorized charges to XXXX on my XXXX credit card statement. After some investigation I discovered my child ( who has XXXX XXXX XXXX XXXX ) had used my card to purchase downloadable content from the game store without my permission. I followed up with XXXX but was not able to get the funds charged back since it was past their 7 day refund window. I then followed up with my card company as follows... On XX/XX/XXXX, I had a conversation with a Citi representative. The representative did not accurately capture all the transactions. The representative also did not advise me of my rights to dispute the charges. They told me that since my child had made the charges I was still responsible regardless of if the charges were unauthorized or if my child had a XXXX or is a XXXX XXXX On XX/XX/XXXX I did some research on FCBA and spoke to counsel. I discovered that I should have been allowed to submit notice to the credit card company for remediation and investigation and the charges should be credited while investigation was taking place. I contacted the credit card company on XX/XX/XXXX and asked again that my request be considered along with where I should submit my complaint in writing per the XXXX guidelines. A few days later I submitted a paper letter and copy of the disputed charges to the credit card company via USPS with the full disputed amount summarized. As an enclosure to this letter I also included proof of my son 's diagnosis of XXXX and asked that the charges be reversed. This was sent to the address provided by the representative. On XX/XX/XXXX the company emailed me that my dispute had been resolved however they did NOT include the full amount of my dispute in any of the notes or resolutions nor did the email mention the full disputed amount. The dispute was for {$1000.00} ( which was communicated by BOTH by phone on XX/XX/XXXX and via paper letter shortly after ) The resolution was for a very small fraction of that amount, which equated to a single charge of {$53.00}. On XX/XX/XXXX I called the company again, this time to ask about the resolution and if they had received my full complaint submitted via letter. The representative said they could not confirm any details sent by me. I asked to speak to his manager. I XXXX was put on the phone. I asked if they received the letter. He said he could not tell me and that it would be handled by someone in the complaint dispute team. I asked for a contact number for the team and was told he was not authorized to provide that information to me, but that he would enter notes on my account and someone would get back to me. No one has done so. It has now been over 30 days since I submitted my documentation per the FCBA and should have been received by the credit card company. I would like to file an official complaint with CFPB under the FCBA that the company reverse these unauthorized charges.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27526
Submitted Via: Web
Date Sent: 2023-12-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-11
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: This account is not mine and has not been used by me. This account is being reported on my consumer report without my consent
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33324
Submitted Via: Web
Date Sent: 2023-12-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-11
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: This complaint is related to XXXX and XXXX. The company states that they have closed my Citi Double Cash Mastercard and because it had been inactive, it was closed. I have never had a Citi Double Cash Mastercard.This response is totally fraudentlent, and I am requesting that my credit be restored. Additionaly, I demand {$5000.00} in damages, should fraudulent situation end up in superior court here in XXXX, It will beten times larger. I had consistely been inundated with mailers to sign-up for a City Simplicity Mastercard. When the mailers became excessive, that is when I signed up for this card on-line. I believe that my comnplaint is strong and I will be victorious.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-11
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I called to close my account. The representative said she would send me a no annual fee credit card. The language made me suspicious because she didnt ask- just said she would send it. I refused this new card. I wanted to close my account. She sent me the card anyway. Due to her tone and choice of words, I suspect this happens often. It is fraudulent
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 617XX
Submitted Via: Web
Date Sent: 2023-12-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-11
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XX/XX/XXXX the CFPB entered a consent order in administrative proceeding XXXX, which paragraph 56 stating : All Debt Sale contracts and agreement to after the effective date must : b. Prohibit the Debt Buyer from reselling any Account included in the Debt Sale, except to the extent Respondent is repurchasing an account. On XX/XX/XXXX Citibank, NA. sold my account, according to the petition is XXXX XXXX Missouri Case XXXX, to XXXX XXXX XXXX XXXX XXXX XXXX under Contract ID XXXX document id XXXX. The State Case petition is attached. However, on XX/XX/XXXX, that debt was resold, or assigned, from XXXX XXXX XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. which was transferred and resold, until XXXXXXXX XXXX XXXX XXXX XXXX XXXX, which filed action against me on XX/XX/XXXX. Moreover, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX never honored the CITIBANK , N.A . arbitration agreement in the attached cardholder agreement and all attempts to get CITI to enforce that arbitration agreement in XXXX went unanswered. I made offer to settle this matter with CITI, but instead of settlement of {$2200.00} the bank is paying {$3900.00} to engage in arbitrations and so far has failed to make a timely payment to the XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 656XX
Submitted Via: Web
Date Sent: 2023-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-11
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I am writing to express my deep dissatisfaction with Citibanks handling of my Costco credit card account. I recently experienced an unexpected and unfair account closure with resulting in the loss of my hard-earned {$150.00} in rewards. The circumstances leading to the closure were as follows : my daughter, who is away at college, needed access to the Costco card for grocery purchases. In response, my wife and I decided to add her as a second cardholder and, without any prior warning, Citibank unilaterally closed my account. The closure was executed without notifying me, I didn't receive the warning, and it came as a shock to learn that my {$150.00} reward had been forfeited. Upon contacting Citibanks customer service, I was informed about a fine print clause that apparently allowed them to take such actions. However, it is unreasonable to expect customers to meticulously scrutinize the fine print during a brief enrollment process, especially when opening an account at a busy location like Costco. I believe that this practice is inherently unfair, as it not only resulted in the closure of my account but also led to the loss of rewards that I had rightfully earned through my Costco purchases. I urge the FDIC to investigate and address this matter, as it represents a breach of trust and transparency between Citibank and its customers. I appreciate your attention to this issue and look forward to a fair resolution, I want them to issue back the reward in the amount of {$150.00} that I already earned.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98661
Submitted Via: Web
Date Sent: 2023-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-10
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Citibank has contacted me via phone call 13 times within a 5 day period. They have surpassed the 7 calls in 7 days rule. They are harassing me. I have screen shots of the call logs below. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48125
Submitted Via: Web
Date Sent: 2023-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-10
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, I needed roadside automotive assistance. The company that was dispatched to assist me, " XXXX, '' informed me that I needed a new car battery, which they provided at a charge of {$220.00}, which I placed on my Citibank Mastercard. XXXX verbally promised that documentation ( proof-of-purchase and warranty ) would follow. These were never received despite two voice messages left with XXXX in XXXX, as well as text messages left with XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Meanwhile, I began to have problems with the new battery, and being unable to reach XXXX, I called the battery manufacturer, who informed me that, based on the serial number provided, the battery was likely not new but rather a " salvage, '' taken from a junked car and cleaned up to look new.. XXXX has no physical presence ( no store, no office ) so I can not return the battery to request a refund and, as noted above, they have not responded to my texts or voice messages. I therefore contacted Citibank Mastercard on XX/XX/XXXX to request to dispute the charge. I spoke first with a representative, " XXXX, '' and then with a supervisor, " XXXX. '' Both refused to accept my dispute on the grounds that I still have the battery; according to them, I would have to return the battery in order to dispute the charge. I pointed out that XXXX has no physical location and has not responded to my texts or voice messages and asked how, in the circumstances, I could possibly return the battery. They had no answer, but told me that this was " Mastercard rules ; '' when I asked what more I could do, or they could do for me, XXXX replied " nothing. ''
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10583
Submitted Via: Web
Date Sent: 2023-12-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A