Date Received: 2023-11-24
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I was offered a promo to switch credit card ending in XXXX to XXXX XXXXXXXX XXXX and get XXXX miles After not getting the miles promo I contacted customer service and they said rep made a mistake and shouldnt have offered that promo Thats misleading thats breaking advertising laws and I want what I was promissed
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 333XX
Submitted Via: Web
Date Sent: 2023-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-23
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: My ex wife opened a credit card in my name without my knowledge and has been using it for the last 20 years. I just found out and contacting the credit card company to no avail. They will have NO authorization from me on file to have opened this credit card because I didnt do it. I need it removed from my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 272XX
Submitted Via: Web
Date Sent: 2023-11-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-23
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Citi has consistently placed fraud alerts on my citi XXXX XXXX. When I called to verify my identify this time they asked for my checking account information, which I was not comfortable providing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28078
Submitted Via: Web
Date Sent: 2023-11-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-23
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I opened in regards at least XXXX inquires with the CFPB XXXX and XXXX. Under my consumer protection rights I'm opening, and I will keep opening even with the same issue, this XXXX Bank and its employees are using THE LEGALLY DISPUTED AMOUNT OF {$1000.00} FOR SERVICES NOT RECEIVED to report as delinquent Account which in fact is not. I made Aware CITIBANK THRU CFPB Inquires if they report this amount to the Credit Bureaus as delinquent account, I will take action against them as well I will file the proper complaint with the CFPB for a false statement made in one of their responses. Today I received an email by XXXX showing the amount I legally disputed with CITIBANK for services not received as Delinquent Account. This Credit Report is affecting my Credit Status and the ability to get loans /credit with low interest. As well I'm including in this inquire to XXXX to have remove a Legally Disputed for services not received, and to have XXXX not to report a wrongful Amount on a Disputed Account. If they don't comply with my request also XXXX will be included in the Legal Action after this formally inquire.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91311
Submitted Via: Web
Date Sent: 2023-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-23
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: On last XXXX I see post for XXXX XXXX Citicard at XXXX When I respond or klik the post, they direct to the XXXX XXXX. They send link and ask me to go to Citimobile Banking app for update data. XXXX after this process. Once I got notif that there is unauthorized purchase at online shop from Citi message. I directly call citi center and inform the situation and ask them block all cards. I contact the merchant for req canceled the unauthorized purchase, but It cancelled. The scammer order online and pick up the good directly. Im argue why they sell good with different buyer name and payer card name. I had report this to local Police XXXX, they had make report but they dont have time to review and investigate till today. I go there every day. In XXXX we got hit by Cyber Crime especially from Social Media. Most of them never get cough or free since our authority overwhelm with many cases I req Citi for propose XXXX XXXX XXXX for this transaction, but Citi reject my request with reason is my careless deal with scammer. On XXXX, Citi Bank XXXX send email to all Credit card customer that announce about fake content at social media asking us to be careful. But Its too late since I get scam and fraud on XXXX.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-23
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Citi Bank/ Best Buy is reporting delinquencies to all credit bureaus, But I have never opened an account with Best Buy. Once again I was in the XXXX stationed in XXXX when this account was opened, I have tried explaining to them that I was a victim of Identity theft in XXXX of 2021 when I left my wallet with all of my information and identification in basic training while I was being transferred to XXXX for my permanent duty station. My credit report is completely incorrect and I am trying to fix it now. I still have yet to hear from this company, yet they are still reporting my account delinquent. Please allow the company to know once again that this account does not belong to me, i don't even have a physical credit card with this company, and whoever made this account has all my information. this situation is putting me in emotional distress after being XXXX from the XXXX because it's causing my l ; life more problems, thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33025
Submitted Via: Web
Date Sent: 2023-11-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-23
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I am writing to file a formal complaint against Home Depot Credit/Store Card via Citi Financial regarding persistent and intrusive phone calls and unauthorized transactions on my account. The details of the complaint are as follows : Harassment through Multiple Phone Calls : Over the past month ( XXXX XXXX ), I have been subjected to relentless harassment by Citi Financial through multiple phone calls daily, at various time frames, XXXX days a week. It is essential to note that I have never provided my new phone number to Citi Financial, and despite my repeated requests for them to cease these constant phone calls, they have continued unabated. Unauthorized Transactions : Furthermore, I recently discovered that Citi Financial has been deducting funds from my account since XXXX of XXXX in varying amounts without my explicit permission. This has occurred even after the closure of the account in question and removal of payment sources from their website. I have reached out to Citi Financial via written correspondence, questioning the basis for these transactions and seeking an explanation for their actions. However, I have received no response from the company regarding the unauthorized withdrawals. I am deeply concerned about the impact of these intrusive and unauthorized actions on my financial well-being. The constant harassment and unauthorized transactions have caused significant distress, and I believe that Citi Financials ' conduct is not only unethical but also potentially illegal. I kindly request the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against Citi Financial to halt the harassment and ensure the restitution of funds wrongfully taken from my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 130XX
Submitted Via: Web
Date Sent: 2023-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-22
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On XX/XX/XXXX, I requested a balance transfer of {$15000.00} from this card after receiving an offer of 0 % interest until XX/XX/XXXX. On XX/XX/XXXX I noticed that my XX/XX/XXXX payment included the XXXX in my autopay payment. I called customer service and asked why this was included and was told because I set it up that way but I still had time to change the payment. I told your agent that circumstances had change and I was able to repay the XXXX but would only do so if the balance transfer fee of {$750.00} were waived. He put me on hold and came back stating he spoke to his supervisor and that if I paid the entire amount due the {$750.00} fee would be reversed. I agreed to that. These conversations should be reflected either in my account notes or a recorded line. I watched and waited until the account closed on the XXXX, but no credit was posted. I called back on XX/XX/XXXX and spoke with an agent who said I had not paid the entire balance therefore I was not entitled to a refund of the balance transfer fee. I then asked to speak to a supervisor who was abrupt and borderline rude, the most interesting thing he said was he was not aware of my conversations on XX/XX/XXXX, really?, he couldnt look at my account? Even if the agent I spoke with on XX/XX/XXXX, and his supervisor, spoke in error, they are agents of Citi and Citi should honor what they told me. I sent the attached letter on XX/XX/XXXXXXXX and received a response from them in a letter dated XX/XX/XXXX. I sent a 2nd letter on XX/XX/XXXX, appealing their decision which said. I am writing in response to your letter of XX/XX/XXXX. Although your letter says to call, I do not wish to do that because I am so tired of speaking to people who either dont understand what I am wanting or do not have the authority to do what I am asking, which is to refund the {$750.00} balance transfer fee I have been charged. In short, your letter states that the reason you can not refund the cash advance fee is that after all payments were made, I owed {$210.00} on the balance transfer therefore I am not entitled to a credit of the {$750.00} fee I paid. I am enrolled in automatic payments and aside from promotional balances, pay my bill in full every month. This has been the case since XXXX when I first received the card. When I do a review of how my XXXX payment was allocated, and, review my XXXX statement, the only balances due are the ones that are on flexible plans that were created before I did the balance transfer on XX/XX/XXXX. I repeat, my XXXX statement shows NOTHING owed on the balance transfer. If you can show me how my {$18000.00} was allocated and failed to pay off the balance transfer, I will let this matter drop. If you cant, or wont, I may file a complaint with the Consumer Financial Protection Bureau. As I stated before, even if the agent I spoke with on XX/XX/XXXX, and his supervisor, spoke in error, they are agents of Citi and Citi should honor what they told me. Their response was basically the same as their response on XX/XX/XXXX. I am attaching copies of all correspondence.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27889
Submitted Via: Web
Date Sent: 2023-11-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-22
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: I am reaching out to you due to an issue I have encountered at one of the citi bank branch on XX/XX/XXXX. I dropped a cashier check from XXXX XXXX XXXX of the anmount of XXXX into my checking account and my account got locked within an hour. When I got put on the line with back office, they told me that the teller had called them and put a note on my account which triggered them to lock and block everything. No one is able to help or at least tell me whats going on. It is the second time i am being profiled by this branch. I need my fund in order to survive and I can not allow this to happen as these are all my funds. I can provide a bank statement from boa showing my funds, along with a picture of the cashier check.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33130
Submitted Via: Web
Date Sent: 2023-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-22
Issue: Getting a credit card
Subissue: Problem getting a working replacement card
Consumer Complaint: I have been trying to get my credit card for an account I opened with Citi Bank for months now. I used the card for a balance transfer when I opened the account, and I've been calling weekly and have been told a different reason every time as to why I haven't received my card. I have also been told weekly that I haven't missed any payments and don't have any due until XXXX, which i found out today were blatant lies and when trying to pay the card they re routed my to the system asking for my card number. When i asked how i could make payments without my card I was told " call the number on the back of your card '', and every verification system they have requires the card they wont send to me, so now apparently i might have late payments and they are not providing a single way that I can actually make them. I also have no way to access my account and even see my payments without my card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 856XX
Submitted Via: Web
Date Sent: 2023-11-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A