Date Received: 2023-12-09
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I was not aware of the interest rate until I received the second statement which shows an interest rate of 31.24.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 718XX
Submitted Via: Web
Date Sent: 2023-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-09
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/ I received letters in the mail that five of my credit card accounts had been closed. I phoned the company, Citibank, and requested information as to why the accounts had been cancelled. The representatives refused to give me any information and told me that, as the letters described, I needed to request the information by mail. I sent such a request. As of now I have not received the information. I am XXXX XXXX XXXX XXXX The card cancellations with no reason are a significant challenge for me, especially at this time of year. The refusal to communicate by phone I find difficult to understand.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95928
Submitted Via: Web
Date Sent: 2023-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-09
Issue: Getting a credit card
Subissue: Problem getting a working replacement card
Consumer Complaint: I travel for extended periods out of the country ; in fact, most of the past two years. I pay my bill each month in full and have done so for decades. While I have moved over this period, my telephone and e-mail address have never changed. I called today for a replacement card, as one merchant, XXXX XXXX, suggested my chip was bad while having no problems using the card elsewhere or at other XXXX XXXX locations, as you can see from my statement. I simply wanted a replacement card because I depend on the card. The process and call went well until the agent told me she was unable to send me a text to my number, which I was calling from, even though I was out of the country. Now this action by Citi may be retaliatory because of my other complaint. However, my issue is with the so-called security department. I was asked for the last six digits of my bank that provided bill pay services, which I gave and was told it wasnt correct or enough. I was asked whether my account was paid from a Citi Bank account, which it is certainly not. I was asked for a secondary phone, which I provided as my XXXX XXXX. While I recently as last month changed my US address, I offered my XXXX Drivers Licenses number, which was the security agent refused for security reasons. This call was reportedly recorded. After about 30 minutes, the agent said the only thing he could do was mail a letter to my US address for which I must call security again to get my card replaced. Why didnt he just say so before asking all these apparently irrelevant and intrusive questions. Terribly unprofessional and thuggishly abusive tactics by Citi.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85255
Submitted Via: Web
Date Sent: 2023-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-09
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: XX/XX/XXXX - fraudulent transaction of {$690.00} XX/XX/XXXX - received monthly billing statement, alerted Home Depot of the fraudulent transaction XX/XX/XXXX - Home Depot acknowledges claim A few months pass. Home Depot initially reverses the charges, but in XXXX deems us liable for the transaction. XXXX and XX/XX/- we discover that a new credit card had been mailed to us, activated and used without our permission ( we still had the old credit card in our possession ). We send evidence via a police report and USPS claim of mail theft, including of the new credit card from XX/XX/XXXX. Pending response from Home Depot. They are holding us liable for the initial fraudulent transaction of {$690.00} and three months of late fees at this point.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77406
Submitted Via: Web
Date Sent: 2023-12-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-09
Issue: Managing an account
Subissue: Deposits or withdrawals
Consumer Complaint: Citi App CD matured on XX/XX/2023 ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Requested to send me a check and close the account during grace period on XX/XX/2023. The account is closed right the way and I've been told I will received the check in mail 10-15 business day. Citibank does not provide any confirmation to the customer. Citi App Check not received, be told my account is not been updated and have me visit the branch. Branch : XXXX XXXX XXXX, XXXX XXXX, NY XXXX Staff : XXXX XXXX, XXXX XXXX Customer Service : XXXX Check not received, visited the branch on XX/XX/2023, branch said they can not handle the transaction made online. Called the customer service and been told that she 'assure ' the check will be sent by XX/XX/2023. Citibank does not provide any confirmation to the customer. Branch : XXXX XXXX XXXX, XXXX XXXX, NY XXXX Staff : XXXX XXXX Customer Service : XXXX Check not received, visited the branch on XX/XX/2023, branch said even I open an account at the branch, still have to call CS to see if they are willing to transfer the money to the account. Called customer service and the machine had no record of my account or SS number. The staff of the branch recommended to press '0 ' to see if I could get to one of the live representatives. It was not working and staff could not do anything else to help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10310
Submitted Via: Web
Date Sent: 2023-12-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-10
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I have a Best Buy credit card through Citi and experience XXXX fraudulent charges on my account at XXXX. XXXX XXXX XXXX unauthorized charges on XX/XX/2023 for {$290.00}, XX/XX/2023 for {$290.00} and XX/XX/2023 for {$290.00}. I filed a fraud dispute on XX/XX/2023 with Citi. I was credited for all three fraud charges and was told there would be an investigation. XXXX months goes by and I receive a letter telling me I would not be liable for the {$290.00} charge but would be responsible for the other XXXX fraudulent charges. Received a copy of the report from XXXX which showed the IP addresses, and shipping addresses were no where near me. They were on the other side of country. No idea who the people were. Somehow XXXX and Citi determined XXXX was responsible.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20646
Submitted Via: Web
Date Sent: 2023-12-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-10
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: My account savings and checking account was closed. I don't know why? They are still accepting XXXX transactions attached to my phone number XXXX. There is no fraud. I have been with the bank for over 10 years
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11203
Submitted Via: Web
Date Sent: 2023-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-08
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Citibank N.A. sold my credit card debt of {$1800.00} to a third party, XXXX XXXX XXXX ( XXXX ) and charged off my account on XX/XX/XXXX. On XX/XX/XXXX, I entered into a settlement agreement with XXXX for {$830.00}, I paid off the agreement and XXXX removed their entry from my credit report. I have since disputed Citibank 's entry with the credit bureaus multiple times and Citibank keeps providing false information to the bureaus that my debt still has an outstanding balance of {$1800.00}. I have tried to call to Citibank, most recently XX/XX/XXXX, and their phone system will not allow me to talk to anyone because the account has been sold. I have written Citibank a letter through the US mail on XX/XX/XXXX and they have not responded.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WY
Zip: 82001
Submitted Via: Web
Date Sent: 2023-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-08
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: On XX/XX/2023 I had submitted a dispute to XXXX and upon XXXX investigation the results came back accurate today ( XX/XX/2023 ). How can the results be accurate? When my whole payment history is missing on my Macys/Citibank , N.A. account on my credit report especially when this account is a Charged off account. But XXXX has put it as a satisfactory account which it is not. XXXX have not done a THOROUGH INVESTIGATION and XXXX have not contacted Macys/Citibank , N.A.about this account so that it can be deleted. This account is not completely accurate as stated in your previous investigation. Therefore according to the FCRA and 15 U.S.C 1681 this account needs to be deleted immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 320XX
Submitted Via: Web
Date Sent: 2023-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-08
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I opened a brand new savings account with Citi bank with {$750.00}. My mail was stolen, and before realizing it, there were three fraudulent withdrawals made on XX/XX/2023 and XXXX leaving {$21.00} and change remaining. I became aware of this on the XXXX of the unauthorized transactions and immediately called Citi to report them. I was unaware a PIN would be assigned to me and mailed at the same time ( albeit a separate envelope ). I find this to be a great fault of Citi to do this. Additionally, the option to activate the card at an ATM contributed to the theft of my money. On the XXXX, I was in a class for my job. On the XXXX, I was working a standard XXXX hour shift at the XXXXl from XXXX. The paperwork from my job to prove this was mailed, certified mail, and I also attempted to fax the paperwork multiple times only ever getting failed results to two different provided fax numbers. I have since received my replacement card, but I can't let go of the fact that Citi 's " investigation '' department has declined all my requests for reimbursement. I even requested a copy of their investigation report and instead only received another letter of their denial to my claim. I have made approximately XXXX calls to the fraud department at this point over the past 7 months. During the first open case, I was never asked for any sort of supporting documentation. It was until my first appeal was denied and case was closed that the representative told me I could write a letter and mail ( or fax ) the documentation. I purposely paid for and sent these to XXXX XXXX XXXXXXXX in XXXX XXXX on XX/XX/XXXX and see the paperwork was received on the XXXX. When I called yet again for an update, the representative told me I would need to open another case and could not guarantee the mailed supporting documents would be tied to the new claim. Citi has greatly disappointed me in the handling of this matter. Ive even asked to speak to the investigation '' department directly to which I was told it would be impossible to do.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30342
Submitted Via: Web
Date Sent: 2023-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A