Date Received: 2023-11-30
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 made a return to XXXX XXXX in XXXX NY. I didn't receive a refund or proof of refund from the business so I filed a dispute with Citibank. Citibank showed a refund in my account from the business and I received a receipt from the business for the refund, so I cancelled the dispute. I then learned that it wasn't actually a refund, it was a conditional credit from Citibank that was then taken back from me when I withdrew the dispute. Citibank says there is nothing they can do because once you close a dispute they can't reopen it. The business says there is nothing they can do because they issued the refund to Citibank. I have no idea what to do.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On XX/XX/XXXX I gave notice to Citibank N.A., that I am revoking my consent that was allowing them to keep all security interest from securitizing all of the derivatives of the accounts associated with the person XXXX. I told them from now on they can not start or continue to securitize any accounts, applications, papers, etc., that have my name XXXX on it. They must cease any securitization immediately. I also ordered them to delete all my personal data that they have or ever had or ever used as per Privacy Act of 1974 ( 5 U.S. Code 552a ). Also I requested to opt out from them to report all of my records to any and all credit bureaus as per 12 CFR 1016.7 and to delete all transmitted records. I requested to receive a final communication from them within 30 days that the abovementioned was completed in full. No response was ever received.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77063
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Hello. I hope this message finds you well, I had a property that I inherited from my father also I have all the documents thereof, but due to some limitations the buyer sent it to me through several transactions, however, it was supposed to be sent in XXXX transactions! I informed the bank about this and had all the documents available, however, the bank closed my account and sent me a letter that I would receive any funds related to me by check, but I have not received any money so far, and the bank refused to give me any information they gave me a number to call, I called that number several times but nobody knows anything, and I am struggling several months and went to critical financial issues and have no idea what is going one. I would like to know what happened and where are my funds. Thank you very much and appreciate your help I look forward to hearing from you! Regards,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90024
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: On XX/XX/XXXX I closed my Wayfair account. Wayfair acknowledged this by letter. Please see attached document. In Wayfairs XX/XX/XXXX letter to me they said, You have been unsubscribed from all marketing communications and your account removed. On XX/XX/XXXX I received a promotional offer from Wayfair. Please see attached document referencing my closed account. I wrote Wayfair about the offer and questioned them as to why I had received it. Please see my attached letter dated XX/XX/XXXX. On XX/XX/XXXX I received a reply to my XXXX XXXX letter in which Wayfair states : In order to assist you or to complete the processing of your request, we need to speak with you at your earliest convenience. I am uncomfortable with Wayfairs request, as I am sure they will want personal information that I will not provide to them. I do not trust Wayfair due to their past affiliation with XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ID
Zip: 83646
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
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! XX/XX/2023 I was billed to my credit card for XXXX for an annual subscription for {$99.00}. When signing up for an initial XXXX trial, there was no information provided nearing the end of the free trial that the subscription was in fact ending. This is against policies set forth by XXXX in their publication titled " Revised Standards for Subscription/Recurring Payments and Negative Option Billing Merchants '', which came into effect before this trial and billing occured. XXXX sent details to Citi card which very clearly did NOT show in their system that a notice was sent to the email listed. Furthermore they specifically excluded dates before XX/XX/2023. Based on many reviews, it is clear XXXX has made it deceptively challenging to cancel their services. Citicard did not honor this requested in a dispute, ignoring key missing information provided from XXXX, and have been unhelpful in resolving this. Careful analysis of various reputable sources demonstrates a clearly deceptive pattern of XXXX, most noted on the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; please see attached. Additionally their XXXX XXXX XXXX XXXX further illuminates their deceptive practices XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX please see attached.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53210
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-01
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: I have used my Citi Bank card for 4 different balance transfers. I knew that my first balance transfer would be due by XX/XX/2023, so I have been making an extra {$300.00} - {$500.00} payments ( on top of my minimum amount due ) for several months. Now that XX/XX/XXXX is just around the corner, I looked at my statement and expected to have a small amount to pay off for this balance transfer. I just spoke to Citi 's customer service and was told that they apply my payment to the balance transfer with the highest interest rate. Some of mine are at 0 % ( including the one due XX/XX/2023 ) and some are at 1.99 %. They have not been posting my payment to the balance transfer that will expire first. Which means, that there is no way for me to pay off that balance and I will be charged 25 %. The customer service guy said it was my fault for not reading the contract. I still feel that this is SHADY. He also told me that I could just pay it off on XX/XX/2023 & it would only have one day of interest. I can't pay {$2600.00} all at once! That's why I've been making extra payments- and why I needed the darn loan to begin with!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46032
Submitted Via: Web
Date Sent: 2023-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-01
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: Citi card double cash provides cash back, this cash back can be applied as a statement credit. The issue is when you apply your cash back as a statement credit it also reduces the amount owed. However they amount showing as outstanding is wrong. What they don't tell you is that you have to pay the amount owed prior to statement credit. So our account showed a balance of say {$2000.00} we applied a {$500.00} statement credit and the amount due was {$1500.00}. When I'm actually we needed to pay the {$2000.00} in order to avoid interest charges. No where does it tell you this, if you call in, look online, or check the app they all will tell you that you're new amount due is the lower amount. So when we paid that amount they charged us interest for the total amount due. When we asked about how we were supposed to know that we had to pay the higher amount nobody could explain or show us anything. The reality of the program is that the statement credit applied only to the current statement not the statement that is due.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 840XX
Submitted Via: Web
Date Sent: 2023-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-01
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I received an email from CitiBank which offered {$100.00} cash bonus if I enroll the offer, set up enhanced direct deposit between XX/XX/2023 and XX/XX/2023 and between XX/XX/2023 and XX/XX/2023 make at least one Enhanced Direct Deposit ( which includes XXXX ) per calendar month of {$500.00} or more directly into the checking account, for 2 consecutive calendar months. As instructed, I enrolled the offer for my checking account at CitiBank and made deposits through XXXX with amount {$500.00} each time on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, which met the requirements for the cash bonus. However, so far I still have not received the {$100.00} cash bonus. I have contacted the customer service multiple times through phone but they were not able to help me resolve the issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 073XX
Submitted Via: Web
Date Sent: 2023-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-29
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: In XXXX, XXXX, I disputed charges on my Citibank Mastercard in the total amount of {$9500.00} ( two equal charges of {$4700.00} made on XX/XX/XXXX and XX/XX/XXXX ) made to XXXX XXXX and XXXX XXXX XXXX XXXX. The background to the charges and dispute is that in XXXX, my home was severely damaged by Hurricane Ian. Also damaged was my homes underground sewer pipe. I retained XXXX XXXX and XXXX XXXX XXXX XXXX to repair and replace that pipe. In XXXX, XXXX, they claimed that the job was complete and charged my card for the remaining balance of {$4700.00}. When the city inspector came, he could not inspecXXXX XXXX XXXXXXXX work, because they had already buried the pipe and covered it with concrete. All permits for other repairs to my home were put on hold until the sewer pipe could pass inspection. I called XXXX XXXX four times ( on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) trying to get them to fix the problem they created, to no avail. To proceed with the repairs to my house, I was forced to hire another plumbing contractor to redo XXXX work. I then disputed the charges to my credit card. To date, I have still heard nothing from XXXX XXXX. After disputing the credit card charges, I received a letter from Citibank, dated XX/XX/XXXX, asking me to provide more information and to sign and return a form they sent. I returned the signed form and provided more information, as they requested. Following that, I was inundated by often repetitive requests from Citibank for more information and photos over the course of the next few months. I even had the city inspector back out to my home to make a list ( at Citibank 's request ) of all the deficiencies in XXXX XXXX work. He found that all of the material and work XXXX XXXX did failed to meet city codes ( after it was uncovered by a replacement contractor ) which list was provided to Citibank. After those months of correspondence with Citibank, I received an email from them, dated XX/XX/XXXX, asking again for more documentation. I responded to that email via another email on XX/XX/XXXX. I heard nothing more from Citibank until XX/XX/XXXX, when I responded via email on XX/XX/XXXX, to questions I had answered previously. Citibank finally responded by sending me a letter, dated XX/XX/XXXX, stating that I failed to respond to their letters, emails, and phone calls, despite my replies to each of their communications, copies of which I have attached. I retained a lawyer and informed Citibank that I had done so. Citibank requested my attorneys contact information, and I provided it to them. On XX/XX/XXXX, Citibank informed me via telephone that this dispute would be reopened. To my knowledge it has not been reopened. Citibank has still not responded to communication from either me or my attorney, except to inform me that the dispute has been closed because I failed to respond to their communications. In XX/XX/XXXX, I applied for a credit card to replace my Citibank card and was denied credit for the first time in my life. After checking, I discovered that my credit score declined by XXXX points. No doubt this is because Citibank has chosen to report this disputed charge as a delinquency. Citibanks actions have caused me severe damage. I am providing you copies of all relevant communications between Citibank and me or my attorney as an attachment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33904
Submitted Via: Web
Date Sent: 2023-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-29
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: On Wednesday XX/XX/XXXX at approximately XXXX XXXX ET, during a Best Buy ( located at XXXX XXXX XXXX XXXX XXXX , XXXX, MA ) purchase, I was manipulated into obtaining a store credit card. Store manager XXXX, who was the cashier that processed my transaction, falsely advertised the store membership and credit card as a XXXX XXXX promotion. He then asked for my information as a form of identification in order to prove my eligibility for said promotion. I expressed I was not comfortable with sharing such information and he assured me it was just the standard procedure and that it would not be used for any other purpose than to confirm my identity in regards to the purchase. When I questioned the extra {$49.00} charge XXXX insisted that the total wouldnt be any different if he were to remove it, that it was merely a required hold. Upon leaving the store I received an email confirming my credit card application, and another welcoming me to their membership program neither of which were mentioned to me. I gave no consent to this and was coerced into singing up through a misleading presentation by the store manager. This occurrence is common at the store, salesmen are often encouraged to try and get away with membership charges and credit card applications as they are paid per commission.
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: 2023-11-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A