Date Received: 2024-03-02
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Citi bank and Best Buy credit services failed to meet minimum requirements by law to report account to credit bureaus. They report the account as delinquent damaging customers credit to try to force payments on credit cards for broken product sold and delivered by Best Buy. Citi bank is also the collection agency. They make it impossible to dispute and use incorrect paperwork as reasoning. Citi bank lied and said the dispute was closed in XX/XX/2023 when online account stated reinvestigation was in process.The dispute resolution was only to contact vendor and I have on multiple occasions to be told over the phone that it would be resolved correctly and refunded.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92648
Submitted Via: Web
Date Sent: 2024-03-02
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: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: On XX/XX/24 I bough items from XXXX to be delivered on XX/XX/. I had 5 issues with this order and was promised a courtesy credit amounting to {$500.00}. I was approved for {$160.00} price match since the TV went down in price before this {$500.00} promise. The day before deliver everything became {$1500.00} cheaper for XXXX XXXX sale. I was going to either cancel my order or do a free return if they couldnt cancel ( I have 15 days from delivery to return and they werent delivered until the day after the sale ) and then rebuy them that day at the lower price. The manager XXXX informed me not to do this he will just 100 % guarantee me a refund of the price difference with the courtesy credits too for a total of {$2000.00} if I do not cancel. I followed his instructions and 2 days after the sale ended, the refund was denied because I was given a courtesy price adjustment on the TV ( the manager assured me it will 100 % be approved ). XXXX XXXX team is reviewing the case to see what can be done but I had filed a dispute with Citi credit card about a week ago. I sent proof of original price proof of the screenshot of the lower priced items ( same exact ones ) along with tickets numbers to XXXX that had my conversations to the manager. They now denied it saying Im responsible despite the fact that had it not been for their managers faulty info, I couldve bought it for less and returned the original order. I do have a recording of a second manager assuring me that the first manager will get me the refund.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 17815
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: 2024-03-02
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I mistakenly paid {$41.00} less then the total amount due on XX/XX/XXXX. Citi XXXX XXXX Card XXXX is charging me interest of {$33.00} and {$150.00} on statements from XX/XX/XXXX and XX/XX/XXXX. When I asked Citi representative to provide me document of how {$33.00} and {$150.00} interest was calculated, they did not provide anything. They just said it is 23.99 % interest calculated by their system. On XX/XX/XXXX, I received a statement with a new balance of {$2600.00} ( New purchases of {$2600.00} in 1 month cycle ) with a due date of XX/XX/XXXX. On XX/XX/XXXX or before, I paid total of {$2600.00} to Citi XXXX XXXX XXXX XXXX. On XX/XX/XXXX, I received a statement with a new balance of {$2800.00} ( New purchases of {$2800.00} in 1 month cycle ) with a due date of XX/XX/XXXX. On XX/XX/XXXX or before, I paid a total of {$2800.00} ( XXXX payments + {$43.00} credits ). I mistakenly paid {$41.00} less. I mistakenly paid {$2800.00} instead of {$2800.00}. On XX/XX/XXXX, I received a statement with a new balance of {$7800.00} ( New purchases of {$7700.00} in 1 month cycle ) with a due date of XX/XX/XXXX. The balance included {$33.00} interest. On XX/XX/XXXX, I realized I paid {$41.00} less and paid {$100.00} to cover those shortfall. I also called Citibank representative and asked for XXXX XXXX. They reversed {$33.00} and {$0.00}. On XX/XX/XXXX or before, I paid a total of {$7800.00} ( {$7700.00} payments + {$56.00} credits ). On XX/XX/XXXX, I received a statement with a new balance of XXXX ( New purchases of {$1500.00} in 1 month cycle ) with a due date of XX/XX/XXXX. The balance included {$150.00} interest. On XX/XX/XXXX, I called Citibank representative at XXXX and requested to provide interest calculation of {$150.00} and {$33.00}. I asked her how paying {$41.00} less results in interest charge of {$33.00} and {$150.00} interest. She refused to provide the interest calculation. She mentioned it is done by Citibank 's system. I tried contacting another Citibank representative XXXX in XXXX XXXX. He also did not provide me any interest calculation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48083
Submitted Via: Web
Date Sent: 2024-03-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-01
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I have three accounts with citibank, two checking and one savings account. Today I received a message stating that my online access to my account was locked and that I needed to call the fraud prevention line to unlock my account. When I called I was told all my accounts had been closed ( with my money in it ) did not not explain reason and that my money will be refunded in checks. I was due to pay rent today and now I do not have access to any of my funds. They will not explain, I have had my account with citibank since XXXX no issue what so over. I have never been involved in any type of fraudulent behavior the source of funds for these accounts are direct payments from my employer. After I received no information or assistance from the fraud prevention team. I called the Citi Executive Response Unit spoke to Rep called XXXX and she opened a complaint for me REF # XXXX. I was due to pay rent today and I am not sure if the payment went through due to the unfair status of my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06902
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: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Citi bank and Best Buy credit services failed to meet minimum requirements by law to report account to credit bureaus. They report the account as delinquent damaging customers credit to try to force payments on credit cards for broken product sold and delivered by Best Buy. Citi bank is also the collection agency. They make it impossible to dispute and use incorrect paperwork as reasoning. Citi bank lied and said the dispute was closed in XX/XX/2023 when online account stated reinvestigation was in process.The dispute resolution was only to contact vendor and I have on multiple occasions to be told over the phone that it would be resolved correctly and refunded.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92648
Submitted Via: Web
Date Sent: 2024-03-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-29
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: The afternoon of XX/XX/XXXX I called Citibank to reinvestigate the fraudulent checks and charges from my account which had been previously closed due to fraud that I simply couldnt stop Reference # for case XXXX Was opened on this day I informed them that I have proof of whom it was. I asked them do I need a police report and or FTC report I was told no and that Citibank would contact me by mail regarding the matter within 7-10 business days. Something about that just didnt sit right with me so I called back XX/XX/XXXX afternoon and spoke to XXXX after being transferred by XXXX. I told him that I wanted to provide proof of my signatures from 3 different government issued I.DS dating back to XXXX to show that my handwriting and signature has been consistent since my teenage years signing autographs. I told him that I had the printed check images as well to compare the two and you can see that its one person that did the fraud for all 6 checks. Citibank says its consistent with the signature on my account. That is % 100 false or % 100 a fraudulent signature which is why Ive tried to help in this process Some of the checks had other signatures that werent even my name so I dont know how they were ever cashed in the first place. XXXX informed me that they didnt need anything from me at the time and that if they need proof they will contact me. I asked him how will they investigate without my help and how is this process unbiased or accurate if XXXX not involved. He assured me that they didnt need anything and that they would contact me within the given timeframe. It is now XX/XX/XXXX. I asked them to communicate via email or electronically so that this isnt such a mentally and emotionally draining process and I was told NO. And that is exactly what its turning into. . In the past I even went as far as changing my address where my mail was being sent because I was convinced it was the neighboring business or someone watching my mail, somehow Citibank changed my address to the same address I requested to be changed. It was times when I got my new card and activated it there were already transactions pending from my account .I tried closing the account but was told not to because any pending credits or reimbursements would go to the account. I filed police reports, verbal and almost physical altercations during an already stressful period. I do have my calls recorded with Citibank saved on a device if needed, please help XX/XX/XXXX approximately XXXX XXXX XXXX I called Citibank and had to request a supervisor because when I give the credentials all of a sudden nobody could give me any information on the matter after 20 minutes of giving them the same exact information as I did the previous two calls. XXXX the supervisor notified me that it takes more time after being told that 7-10 business days on two separate occasions there would be communication via mail. I asked what are my options after already being told 7-10 days on 2 separate occasions He said wait longer with no time frame, XXXX then hung up in my face while I tried getting clarification on what that meant exactly. He seemed annoyed that i wanted clarification I do have all of the calls recorded it is blatant disregard and just disrespectful ( XXXX XXXX XXXX XXXX XXXX ) amount {$3000.00}. I live in XXXX this was based out of XXXX. I asked them to trace the IP address and theyd see that it wasnt me. But to no avail. They also never provided me with proof or documentation from the investigation that I requested Checks totaling {$9100.00} 6 total checks Please help communicate all attention to this matter through the CFPB portal or via email. Otherwise Im just at their mercy again
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60624
Submitted Via: Web
Date Sent: 2024-02-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-29
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: I applied for a line of credit at the Home Depot pro/construction desk on XXXX XXXX. I gave them my SSN, cell number, email address, home address, my license. The staff there was great. I was printed out and given a {$10000.00} limit. I have a card number on the sheet. The associate at HD called to confirm the purchase through card services, and the card rep said that the purchase was suspicious and was not given a reason over the phone to me or the store associate as to why. I have a XXXX credit score and they had all my income and identity information. I do not have any other credit cards with city bank. The associate who helped me apply said this has never happened to a customer since she has worked there.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-02-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-02
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Sears Credit Services by CITI failed to send me a XXXX XXXX in 2024. I called XXXX and paid my XXXX XXXX of {$61.00} by Bank Card. The {$29.00} late fee was waived by phone due to an excellent payment history. A reprint of my XXXX and upcoming XXXX statement was sent by USPS. The XXXX Statement was sent but failed to note my XXXX Statement payment of {$61.00} ( on XXXX ) and the waived {$29.00} late fee in XXXX ( on XXXX ). The XXXX Statement was for {$150.00} for {$61.00} ( XXXX ) {$29.00} ( XXXX Late Fee not reversed as promised ) and {$62.00} for XXXX. I paid my XXXX Bill of {$62.00} on XXXX to bring my account current. I called ( XXXX ) Sears Credit Services by " XXXX '' said that my payment was late ( {$29.00} ) in also demanding that I pay XXXX Statement billing of {$90.00} early for a total of {$110.00}. I dispute the XXXX Late Fee of {$29.00} and will only be rendering {$90.00} for XXXX Statements billing of {$110.00}. If I am charged a late fee ( XXXX ) and/or it is not removed ( XXXX ) another complaint will ensue with the XXXX and FTC in protecting my credit rating. End of Statement
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 612XX
Submitted Via: Web
Date Sent: 2024-03-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-02
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: For the second time in 6 months my account has seen fraudulent activity. The previous times my account had money taken and I was told it appeared my checks were used by a person affiliated bank. My account was closed and a new account was opened and new cards issued. Then this week the same thing happened to my account. The bank lost another {$4200.00}. Again no one in the bank notified me of these fraudulent transactions, I noticed them in my account and contacted the bank. During the call I noticing XXXX fraudulent checks pending, I asked them to stop the transactions and was told they would allow them to clear as the money in my account was already withdrawn. I was then told since its the weekend it will be another 2 days before the investigation will begin and it will take XXXX before I see any results or repayments. Since this account is used for paying bills I run the risk of over drafting as they did not freeze the account. No one seems willing or able to make this an urgent matter, protect the money still in my account or help me in a way where I am not out XXXX for the next few weeks.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11231
Submitted Via: Web
Date Sent: 2024-03-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-01
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX indicated that I have a joint account with someone that I co-signed for to get a loan. The account was opened on XX/XX/XXXX. I have never opened an account nor co-signed for anyone to give them authorization to use my information to secure a loan. This account is fraudulent. The account # is XXXX. The Home Depot/Citi Bank of XXXX XXXX XXXX XXXX I opened an account with them on XX/XX/XXXX. This account was opened fraudulently in my name. I have never applied for a home depot credit card in my life. The account # is XXXX. I am unaware of this debt ; I did not have the opportunity to dispute this debt. Please provide a copy of my signature indicating that I authorized my credit to be ran to apply for the home depot credit card and the mariner finance loan.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 085XX
Submitted Via: Web
Date Sent: 2024-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A