Date Received: 2023-11-26
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: On XX/XX/XXXX I took a cab from XXXX XXXX XXXX XXXX to the XXXX XXXX. I was quoted {$75.00} USD and charged an amount reflecting this amount via a card reader. I was not provided a receipt even though the merchant said it would be sent to me. When I looked on my credit card statement I had a charge of {$1700.00} from a merchant titled XXXX XXXX XXXX XXXX XXXX. I have been unable to locate or contact this merchant but disputed it immediately. Citibank denied my dispute. I called and asked them to provide documentation supporting their denial as well as a receipt for the purchase or any communication from the merchant. They refused all of the above. I never agreed to pay this amount. I do not recognize this merchant and there is no contact information available.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77008
Submitted Via: Web
Date Sent: 2023-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-24
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: XXXX XX/XX/2023, my credit monitoring service sent me an alert - that a charge had appeared on a card I had not used in a while ( a Citibank card ending in XXXX that i had not used in a year ). I went to the account and saw a charge of {$160.00} for XXXX XXXX made on XX/XX/XXXX that was showing up on my statement. XXXX immediately called Citibank and reported this as fraud. The person I spoke to confirmed that I had not made the charge, nor had I authorized anyone to, and then said she was opening a dispute. I asked that my card number be changed because me card was compromised and she said something to the effect " of course, I'm surprised that didn't pop up before ''. XXXX went to check on this in the online dispute center a bit later, and noticed two weird things : XXXX ) I had both a purchase dispute and a fraud dispute open for the {$160.00} charge, both noted as reported by me on XXXX ; XXXX ) XXXXwo additional transactions were under the " fraud dispute '' section listed as " transaction did not post '', one by the same vendor for the same amount but attempted XXXX, and XXXX by " XXXX XXXX XXXX '' for {$170.00} on XXXX. Both were listed as being disputed by me on XXXX, which I didn't ( I wasn't even aware of them ). XXXX XX/XX/XXXX, I called Citibank about this. I was told that a mistake had been made on their end, and that they would work it out and I needed to " watch for the letters ''. I was also given XXXX dispute numbers as reference : Fraud dispute - XXXX Purchase dispute - XXXX -On XXXX XXXXXX/XX/XXXX, I checked the online dispute center ( having heard nothing ) and saw that the purchase dispute was active, that the " merchant had responded '', and the fraud dispute for the {$160.00} charge was gone ( the fraud disputes for the transactions that hadn't posted were still there ). I called the fraud department to re-report ; they acknowledge that their notes confirmed that I had reported this charge as fraud, and that they would put *more* notes in. I asked that this please be confirmed with me in writing ; I was told no. I then closed my account ( I hadn't activated the card with the new number ) because I was not confident in the way they were handling this. XXXX XXXX XXXXXX/XX/XXXX, I checked the online dispute center instead. I saw a notification that I was responsible for the charge, that the conditional credit would be reversed, and saw that all the fraud disputes had been erased. I called billing disputes to relay the investigation and was told : XXXX ) Again, that their notes showed that I had reported the charge as fradulent. XXXX ) That the purchase dispute investigators had been corresponding with me ( they haven't, I double checked ). XXXX ) That again this was fine, I had to just respond to a letter that they had sent me confirming that I hadn't made the charge. XXXX ) That, contrary to # XXXX, she couldn't find the fraudulent charge in their records. Yikes. I noted that this was violating my fraud protections under the XXXX that limit my liability to {$50.00} for fraudulent charges. I again asked for written confirmation that I had reported the charge as fraud on XX/XX/XXXX, and even said check the recording to confirm. I got a noncommital answer but I was told that, again, the report of fraud was going " in the notes ''. I reiterated my request that I get written confirmation of what they were saying was in their notes. I'm not optimistic as she was noncommittal and said she didn't understand why I had gotten nothing in writing so far. Whether intentionally or due to incompetence, Citibank is violating my rights under the XXXX. I am liable for up to {$50.00}, not {$160.00}. I have attached screenshots of the dispute portal showing the fraud disputes ( now erased from the portal ) and the purchase dispute that was erroneously opened being decided in the merchant 's favor.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-23
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I placed two disputes via XXXX on behalf of Home Depot stating that the information is incorrect for late dates and reporting on a closed account. The company kept putting charged off ( CO ) on my credit report for the year XXXX, along with inaccurate late payment dates when my account was closed in XXXX. When I disputed the account, the company put " closed as of XX/XX/XXXX blatantly ignoring my dispute. I called XXXX and spoke with a representative, and they did the second dispute over the phone. On XX/XX/XXXX, the results came back worse bringing my score down by XXXX points. The company put the account, " charged {$2600.00} written off. {$2600.00} past due as of XX/XX/XXXX ''. The amount reported like it is an open account and that I have a current due balance. This account was closed in XXXX there should not be any reporting to this account for any time after. The company keeps updating as if the account is open.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44130
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-24
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have a credit card with XXXX XXXX XXXX that Citibank services. In XX/XX/XXXX someone fraudulently used this account. I was notified that my payment was overdue and was referred to Citibank. Citibank investigated and notified me in XXXX or XX/XX/XXXX that they had confirmed the fraudulent activity on my account. The fraudulent charge was removed from my account. HOWEVER, Citibank has consistently failed to respond to my requests to remove the " delinquent payment '' on this account from my credit report. I have called countless times and have filed multiple appeals. The response is always the same. I am notified by XXXX that this was a delinquent payment. After a YEAR, nothing has been done to correct this error. I was recently notified by my auto insurance company that my premium has been increased because of the delinquent charge that shows on my credit report! I called XXXX and was told that the XXXX XXXX charge is STILL on my report. This error is continuing to have a negative effect on my credit, and it is costing me! After one year of Citibank 's refusal to correct this problem, I am ready to file a complaint against them. This has gone on FAR too long!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 270XX
Submitted Via: Web
Date Sent: 2023-11-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-24
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: The bank increased the negative amount on the account after reversing disputed transactions. These transactions were disputed on the basis that I cancelled the membership and keep receiving charges. However upon a deposit being credited to the account the negative balance increased. They failed to deposit the amount and placed {$0.00} but the employers name. They are praying on XXXX and XXXX XXXX to steal funding and manipulate the balance ledger. They have been stealing my money for years and I've been watching it randomly disappear.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45424
Submitted Via: Web
Date Sent: 2023-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-24
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: XXXX XXXX XXXX double billed {$1600.00} for a medical procedure provided to XXXX XXXX ( my wife ) .The double payment was posted to Citicard on XX/XX/. I disputed the extra charge on our Citicard account ( joint account for XXXX and XXXX XXXX ending with XXXX ). XXXX admitted to the error and refunded the extra payment to Citicard on XX/XX/XXXX. XXXX asked that I cancel the dispute to expedite the refund from their system. I communicated this to Citicard but they erroneously assumed I was accepting responsibility for the extra charge and reinstated the charge on our account. I provided evidence to Citicard that I do not owe the extra {$1600.00} charge to XXXX. However, the extra {$1600.00} charge remains on my account despite the fact that XXXX shows a single {$1600.00} payment accepted from Citicard and I am paid in full on my XXXX account with the single payment. That means that there is an extra {$1600.00} payment on our Citicard account that has not been sent to XXXX and has not been refunded to our account. Citicard has ignored multiple email messages from me asking for resolution to the issue. Thus, there is still an extra {$1600.00} payment on our account that is not owed to XXXX and has not been refunded to us. Citicard 's unresponsiveness to this issue has left us no choice but to file this complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 060XX
Submitted Via: Web
Date Sent: 2023-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-24
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 enrolled in an online employment site called " XXXX XXXX '' phone # XXXXXXXX about two years ago. I used my Best buy credit card to make the purchase. XXXX. After about two months and unable to get employment with " XXXX XXXX '', I attempted to disenroll from the service and stop the use of my credit card. I contacted both " XXXX XXXX '' and " Best buy ''. Both promised to cancel my enrollment and Best buy promised a refund. I would like Best buy and XXXX XXXX to cancel my enrollment and refund any funds due me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-24
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 my Best Buy CITI credit card ending in XXXX I have a fraud charge from XX/XX/XXXX that I can not get resolved. On XX/XX/XXXX I was charged {$860.00} from XXXX XXXX XXXX, this is a fraud charge and I notified CITI. On my XX/XX/XXXX statement the charged appeared and an adjustment of {$860.00} appeared. On my XX/XX/XXXX statement {$860.00} appeared as XX/XX/XXXX and {$860.00} appeared as XX/XX/XXXX. On my XX/XX/XXXX statement an adjustment appeared for {$860.00}. On my XXXX - XXXX statements only interests appears on the {$860.00} I have contracted CITI about every month about this. Everyone that I have talked to agrees that the {$860.00} was not credited back to my account and every time I talk to them they say they need 30 days to resolve it. Today XX/XX/XXXX I spoke to XXXX in the fraud department and she agrees that the {$860.00} was not credited back to my account and she opened up another investigation and wants 30 - 40 days to resolve the issue. I told her this has been going on since XX/XX/XXXX and that time period is unacceptable. I am hoping that you can help with this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33615
Submitted Via: Web
Date Sent: 2023-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-24
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I talked to XXXX XXXX told me I would have to write to Citibank XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am trying to get a bank card, I paid off my balanced, my business account needs to get made in the future for XXXX XXXX deposits. I will not continue to use Citi or make an account for my business unless I can get a simple card. So Citi apparently requires use of XXXX according to XXXX XXXX, I ordered the second card on XX/XX/XXXX, I ordered the first card on XX/XX/XXXX, I have complained to CFPB before and been acknowledged by Citi executive office that they would not send XXXX to comply with their fiduciary duty. Very tired of games from Citi
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30144
Submitted Via: Web
Date Sent: 2023-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-24
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 was a victim of identity theft in XXXX of this year.I placed a security freeze on my credit report as a result. there was a fraudalent purchase made on my credit card on XX/XX/XXXX at XXXX. the purchase was made at the same time on XX/XX/XXXX I was present at work at that actual time.I called the credit card company and disputed the charges. the credit card company contacted me on XX/XX/XXXX to inform me that their investigation for the disputed charges was not in my favor and i will be rebilled for the charges on my credit card account.the credit card company did not ask for documents during their investigation until after XX/XX/XXXX when they denied my disputed charges. i provided documents to the credit card company and waiting to hear back regarding my documents.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2023-11-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A