Date Received: 2023-11-29
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I am not liable for this debt ( chargeoff ) with Citibank and do not have a contract with XXXX. They do not provide me with the original application like I asked. Citibank never sent a statement to my house and to change the address with them I required giving them a verification code which arrived at my previous address mail so I couldn't get it because logically it is a crime to open a mailbox that is not mine, the customer service is BAD since you can hear noises in the background and cant hear support team voices, they never even believed that I was the owner of my own account and they didn't even ask for Drivers license verification, XXXX, Or something to prove the account ownership, Citibank literally wanted me to open the mail from my previous house without permission, which is illegal. Therefore I demand to this account be deleted from my credit report. FOR IDENTIFICATION PURPOSES THE CLOSED ACCOUNT CREDIT CARD NUMBER WAS : XXXX XXXX XXXX XXXX EXP DATE : XX/XX/23 CVV : XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32216
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: Closing an account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/XXXX, I called Citi to verify a XXXX transaction. They asked me for my phone number, I gave them my cell number I use for all financial institutions. They told me they don't have that phone number in some registrar. They asked if I had any other number- I only have a cell and VoIP - they put me on hold and a minute later told me they closed my account and I would receive the funds as a check in the mail in two months. I talked to a supervisor, who told me there was no other way to prove my identity. I asked why it takes two months to receive my money, and XXXX could only tell me it was their process. I asked by what date I should receive a check, and he said XX/XX/XXXX. However, horror story after horror story on the Internet about Citi show that it can be much longer. I talked to executive services. I asked them what documents could I provide for their process. They said any documents I send would not help. I asked them why it takes two months, and they told told me that's their process. I asked them what their process was, what they were doing for two months. They told me it's just their process. I was told I would receive a tracking number, which I have not received yet. They have most of my liquid savings tied up in an account they closed. They are not giving me more info, and they said the info I could provide them won't help. I have spent at least 4 hours on the phone with people who don't care, don't listen, don't understand words I am saying, and thought " XXXX '' ( a bank I transferred from ) was a person. My money is not earning interest. And the kicker is that four days after they closed the account, I would have earned a {$200.00} bonus from Citi.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 180XX
Submitted Via: Web
Date Sent: 2023-11-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
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 called on XX/XX/XXXX to pay off 60 month purchase plan and was told I needed {$250.00} to do so. I asked that if I paid this would it pay off the 60 month purchase plan and in XXXX weeks on my normal payment date the adjustment would be made and my normal monthly payment of {$110.00} for my 84 month purchase plan would be the amount coming out with autopay. I was assured this was correct and proceeded to pay the {$250.00}. Now XX/XX/XXXX came and the payment of {$230.00} came out of my account and when I called to see why I was told that the woman who took the call never fixed the autopay to reflect that change. I asked that they refund the difference back to me as that was now an overpayment by their mistake that I did not authorize.i was informed that they would not do that and they would file a dispute and I would get the money back within 15 days.That alone should be illegal use of funds that I didnt even authorize to be taken.so now almost XXXX weeks later I got a refund of {$230.00} which was only supposed to be {$120.00} that was over charged. I was also never told what was going on with this. They then took the balance and put it back on the 60 month plan that I had paid off on XX/XX/XXXX and charged me a late fee for the {$110.00} they were supposed to keep.now I didnt receive my title for my property that I paid off on the XXXX and they are going to charge me another month interest. I then had a message on my account that my credit limit was reduced and my account was going to be closed as of XXXX XXXX have called twice to have this fixed and have been met with nothing but complete ignorance and told that it will not be fixed and told by the management that I asked to speak with that there is nothing they will do to fix it. Then while asking for his information to forward to this agency or a lawyer I was told his name is XXXX and he wouldnt give a last name or initials and when I asked for an extension or some detail he the hung up on me. This is absolutely the most insane customer service I have ever come across. I simply tried to pay off a purchase and continue with my other plan as usual which has never had a late payment or any other issues. I do not understand how a company like this can just take unauthorized funds and do what they want with after clearly stating something different. Very fraudulent and then to vindictively reduce my credit limit to intentionally affect my credit score is absolutely unacceptable and hopefully will be handled in the correct manner. I feel as I have been taken advantage of and then discriminated against with ill intent to my credit for a mistake made by citi bank.check the transcripts for the calls on XX/XX/XXXX and XX/XX/XXXX And it will clearly show that my account has been fraudulently handled.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 187XX
Submitted Via: Web
Date Sent: 2023-11-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I have a Citibank checking account which I use every month to pay rent abroad to the same person in the same amount. I have been doing this for almost two years now. All of a sudden, the bank locked my account for " security reasons '' as of XX/XX/XXXX. I have been calling them since XX/XX/XXXX to get the issue resolved, have spent 3+ hours with representatives from their customer service, technical and fraud protection departments yesterday XX/XX/XXXX and today XX/XX/XXXX. They each say a different thing to me and I am still not able to access my account to pay my bills on time. This will cause me to be charged late fees and penalties. Some representatives say it is probably my device or my connection, however, I am using the same device and network I have been using for the last 2 years. I have also tried different networks and devices as well as the online app and I am having the same problem. I even had a relative who also has the same type of Citibank account use my computer to make a wire transfer to test the issue, and he was able to process the wire transfer without any issues. Therefore, my issue is not related to technology. Secondly, one of the representatives from the Fraud Department told me on XX/XX/XXXX that my account was under review for fraud matters and that they could not discuss ANYTHING with me while the account was under review and that I needed to call 24hours later. I did called 24 and 36 hours later and they still have not solved the isssue, continue to provide me with conflicting information and no solutions and I still don't have access to my account to make wire transfers. This is simply unacceptable! I encourage their customer service managers to listen to the recordings to see how rude, untrained, unhelpful and useless their representatives are.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33334
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I booked a hotel through Citi Travel on XX/XX/XXXX for the stay between XXXX XXXX, and I did call and confirm our stay with the hotel one week before the actual stay. When we arrived at the hotel on XX/XX/XXXX, I was told that our reservation had been canceled without any prior notice. That was a shock to me, as it approached night and we have young kids. Because the hotel had informed us that Citi Travel had handled the cancellation, we called Citi Travel. I spoke to XXXX and his supervisor, XXXX at Citi Travel. XXXX XXXX said that she would provide a full refund for the hotel cancellation. She would also provide me with XXXX points compensation plus XXXX Hotel Credit Discount converted to XXXX points. She also sent out an email stating the above. She stated that the refund would be returned to the account in 7-14 days. After almost 2 months, I did not receive the compensation as promised. I called Citi Travel on XXXX. I was told to wait for another 7-14 days. Not surprisingly, we still did not receive the refund and compensation as promised. So I called again on XX/XX/XXXX, and spoke to XXXX XXXX first, who transferred to her supervisor, XXXX XXXX. XXXX XXXX reported that there was an email sent on XXXX requesting XXXX XXXX to review and solve the case. Someone from her team replied that they would review. However, there was no response or follow-up since. XXXX XXXX said that she sent another email to XXXX XXXX requesting her to follow up on this case. There had been no reply by the end of the phone call. Additionally, XXXX XXXX stated that she was unable to handle the case because the compensation was above her pay grade and the original supervisor, XXXX XXXX, should handle it. Since my last call on XX/XX/XXXX until now XX/XX/XXXX, after more than a month, I still have not received what I was promised to receive.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77005
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-29
Issue: Problem with a company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: There is an account in my credit report that i do not know as mine Macys/CBNAXXXX, i sent CBNA a debt validation debit and them didnt give me any answers about this account..
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78653
Submitted Via: Web
Date Sent: 2023-11-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-29
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I am not liable for this debt ( charge off ) with Citibank and do not have a contract with XXXX. They do not provide me with the original application like I asked. Citibank never sent a statement to my house and to change the address with them I required giving them a verification code which arrived at my previous address mail so I couldn't get it because logically it is a crime to open a mailbox that is not mine, the customer service is BAD since you can hear noises in the background and cant hear support team voices, they never even believed that I was the owner of my own account and they didn't even ask for Drivers license verification, SSN, Or something to prove the account ownership, Citibank literally wanted me to open the mail from my previous house without permission, which is illegal. Therefore I demand to this account be deleted from my credit report. FOR IDENTIFICATION PURPOSES THE CLOSED ACCOUNT CREDIT CARD NUMBER WAS : XXXX XXXX XXXX XXXXXXXX EXP DATE : XX/XX/XXXX XXXX : XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32216
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: Problem getting a working replacement card
Consumer Complaint: Hello, My complaint is against Citibank Credit Card Division for Wayfair website business. Last Thursday, XX/XX/XXXX, I was on Wayfair website trying to purchase an item which was on sale for XXXX XXXX. I applied for Wayfair credit card, managed by Citibank trying to take advantage of a 0 % plan. I was approved. After applying, customers can see a message right after your application was successfully submitted. A reference number for that application and the telephone number of Wayfair to follow up. I made the phone call to Wayfair to find out what was next. A female representative assisted me. I explained that I applied for the credit card, I was approved, and that I wanted to purchase the item that I had in the shopping cart. Wayfair transferred my phone call to the Citibank Credit Card Division for Wayfair. A lady, from that division department, wanted to confirm if I applied for the credit card, I said, yes, and she authenticated my identity as well. Congratulations on the approval! She said and asked me which of the two credit cards I want it. I told her that I did not know there was more than one. She answered that they both were the same, but the difference was that one plastic, Wayfair has the Master Card logo, and the other Wayfair does not. What is the difference? I asked again. And she responded that with the Master Card logo, I could use it to purchase in different businesses besides the Wayfair website, and the one without a logo, only for Wayfair website. I said, Ok, I want the one with the Master Card logo, then. However, I asked the lady if I had to way until receiving the plastic to finish the purchase of the item that I had already in the Wayfair shopping cart. My concern was that the sale with the special price was going to finish XX/XX/XXXX. The lady responded, No. you do not have to wait. In fact, within five or ten minutes, go to the shopping cart and you will see the credit card there and finishing placing the order. I was busy. Therefore, after three hours or so, I went back to the shopping cart, and when I did not see any credit card appearing there. I called Wayfair, and I explained to a female representative what was going on. That representative told me that I could not see the credit card yet because the one with the MasterCard logo, does not appear in the system, right away, but the one without the logo, yes. I told her, the lady representative from Citibank did not tell me so, and she even said that I just had to wait five or ten minutes to see the credit card and finish the purchase. The female representative from Wayfair told me that the Citibank lady gave me a wrong information. And she apologized to me for the inconvenience that I was having. Two hours later, I called Wayfair again. Yes, I had to explain again what happened. Another female representative named, XXXX, genuinely, tried to help me. She told me she was going to call Citibank Credit Card Division for Wayfair to request a token ( a kind of number ), and with that token, she would see the credit card in my account with Wayfair and finish the purchase. A male representative from the City Bank Credit Card Division for Wayfair, asked me a few questions to authenticate my identity. He was also willing to help, but in the end, the token that he provided to the female representative from Wayfair, was not working. Then, he asked me to call the next day ( Friday ) because the issue was going to be solved. Next day, Friday, XX/XX/XXXX around XXXX XXXX., I made the phone call to City Bank Credit Card Division for Wayfair, and a male representative was the one assisting me. After explaining everything including the token failure, I let him know that what I needed was to switch from the Wayfair with the Mastercard logo to the one without the logo because I could not wait a week to receive the plastic to finish the purchase. The XXXX XXXX deal will end by that time. This male representative answered with an attitude tone that there was no way for the bank to switch the cards once the customer choses either one. So, You have to wait, Maam to receive the plastic within 7 to 10 business days. He spoke. Thinking that by that time the sale was coming to an end, I asked the representative what about if I close that credit card and reapply again for the one without the logo? He responded that I could do so. The only thing was that I had to wait 24 hours to apply again. I repeated, 24 hours? That means that tomorrow around XXXXXXXX XXXX, I can re-apply, and he said, Yes. I asked him, Are you guys to run my credit report again. He said, No, because we already did it. You just need to re-apply and we are going to attach the new application to the existing one. Ok, let us do that. I spoke. He asked me for permission to close the card and I granted it. Next day, Saturday, XXXX, late evening, I went to Wayfair website, trying to reapply for the credit card. However, the website was not allowing me because for the system I already had a credit card. There was nothing that I could do because it was already Saturday night, and the next day, Sunday, when I remembered to call a representative of Wayfair, it was more than XXXX XXXX, and any of them were working until Monday morning. Monday, XX/XX/XXXX, the last day of the sale, I called Citibank Credit Card Division for Wayfair. A male representative was assisting me. After explaining all the story, he recommended calling Wayfair and asking them to close my existing account on their website. Likewise, I could create a new account and reapply for the credit card. I did it. But the female lady from Wayfair recommended me not to close the existing account because I was not going to see my shopping history anymore. I told her that I had a second email, and I was creating an additional account with that email. I re applied. I received a different reference number. However, because the system recognized my SS # and my address, even though I was using my second email, I received a message that I had already a credit card and prompted me to call a representative. I called Citibank Credit Card Division for Wayfair one more time. A female representative assisted me. I told the story. And to my big surprise, that representative said Oh! I do not know why people give incorrect information. Whoever told you that you could close the credit card and re-apply within 24 hours, did not know what was saying. Customers, must wait 30 days to re-apply. I was in shock. I could not believe what I was listening to. I told to the representative, THAT I TRUSTED TO THE INFORMATION THAT GUY ON FRIDAY XXXX, AROUND XXXXXXXX XXXX. TOLD ME. IF IT WAS TRUE, THAT YOUR BANK RECORD ALL PHONE CALLS FOR QUALITY PURPOSE, THEY COULD CONFIRM MY ARGUMENT. She replied, I apologize for the inconvenience that you went through. I was mad, and I told her Your apologies are not going to solve my problem. YOU ARE TELLING ME THAT YOUR BANK RAN MY CREDIT. PUT A HARD INQUIRY IN MY CREDIT REPORT FOR NOTHING? TWO OF YOUR BANK EMPLOYEES GAVE ME A WRONG INFORMATION. IF THAT GUY TOLD ME LAST FRIDAY WHAT YOU ARE TELLING ME NOW, I DO NOT CLOSE THE CREDIT CARD. I TOLD HER THAT I WAS GOING TO ESCALATE THIS PROBLEM BECAUSE IT WAS NOT AND IT IS NOT FAIR THAT FOR THEIR NEGLIGENCE, MY CREDIT SCORE WAS AFFECTED. POINTS WILL BE SUSTRACTED FOR OPENING A NEW ACCOUNG, AND MORE POINTS WILL BE SUSTRACTED FOR CLOSING IT. WHY I SHOULD BE THE ONE LOSING HERE? IF THEY WERE THE ONES MAKING THE MISTAKE? UNFORTUNATELY, ERRORS ARE PAID WITH MONEY. I AM DEMANDING ONE OF THE TWO : YOU GUYS RE OPEN THE CLOSE CREDIT CARD, BECAUSE ANYWAY, YOU HAD NOT EVEN CREATE THE PLASTIC, OR YOU MUST SEND A LETTER TO THE CREDIT BUREAU ASKING THEM TO REMOVE THE HARD INQUIRY FROM MY CREDIT REPORT. SHE SAID NOTHING!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2023-11-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-29
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: My card was stolen and I filed a police report and Citi bank only credited me for the transactions that werent used with a pin.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90043
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: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: On XX/XX/2023, I went to order a gold necklace from Bloomingdales.com. The order # was XXXX. TheBloomingdale's.com website entices customers to open a Bloomingdale 's store credit card and receive 20 % off their order. The exact wording is below and demonstrated in Exhibit # 1 : " Open a Bloomingdale 's Credit Card and take 20 % off your Bloomingdale 's purchases today and tomorrow ( up to a total savings of {$250.00} over the two days ). '' EXHIBIT # 2, also on bloomingdales.com again promises consumers this 20 % off their order if they open a credit card : " Open a Bloomingdale 's Credit Card and take 20 % off your Bloomingdale 's purchases today and tomorrow ( up to total savings of {$250.00} over the two days ). '' EXHIBIT # 2 : https : //www.bloomingdales.com/my-credit/gateway/guest I applied for the bloomingdale 's credit card the same day and was approved. I repeatedly asked the company why my 20 % discount had not bee applied and I was told it was because I provided another credit card for the purchase. However, the website requires consumers to enter a back up credit card. The marketing is deceptive, tricky, unclear and vague
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90035
Submitted Via: Web
Date Sent: 2023-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A