Date Received: 2023-11-21
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: XXXX XX/XX/XXXX I had to drive the citie bank becouse I was having an issue with my card not working and I couldn't log in with my credentials and every time I tried calling to see if I can resolve the issue they would rudely hang up on me becouse they could not verify my phone number witch I was using that very number to talk to them on .so I went in today spoke to some one to see the issue I wanted answer and what was said to me was that wasn't the only account I had with them that I had a prior account before this one I asked can I see what transaction the only thing they said was there a fraud alert this is the second account I had with them and it was being closed due to fraud and they would mail me my check I had in there and they also gave me the address to the first time I opened it was to my grandmothers address I never used that address in my life so something was vary odd about that a note I might add my family member is really into doing fraud and I suspect that it was my sibling that did all that becouse they stole from me before I just didn't know how to prove it my state pandemic checks every single one was sent out to me and was cashed but not by me i never saw a dime of it and now this account with citie bank is all screwed up and its all coming together and making sense i really need help fixing what is being done to my identity and accounts I worked all my life I should have been blessed to get my stimulus and bank account and my identity is worth alot and these fraudsters just stole my life just like that its not fare I am homeless and my identity is all messed with I worked so dam hard for what I had coming to me please help me figure something out I just don't know what to do or were to start.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93630
Submitted Via: Web
Date Sent: 2023-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-21
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I received a notification that my Best Buy Citicard payment was past due. I was confused as I had not purchased anything on the card for several months and was unaware the card had a balance. Upon review, XXXX XXXX at Best Buy charged me for a membership in XX/XX/XXXX that was cancelled in XX/XX/XXXX. At first, they refused to refund the money but eventually said they would in XXXX business days. As of 7 days, I called back to confirm the refund and their response was it takes up to 10 days. No one can tell me why the estimated timeframe changed and no refund is pending. I am receiving additional emails stating my card will be suspended and upon communicating this to Best BuyXXXX XXXX XXXX XXXX no one cared. I have the receipt of return of the membership from XX/XX/XXXX and they refuse to admit the membership was charged in error.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48316
Submitted Via: Web
Date Sent: 2023-11-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-21
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I received a new Citi XXXX credit card and was told to go through the activation steps via their mobile app. Adding the card to my XXXX XXXX wallet directly through the link in their own mobile app apparently triggered a fraud alert that froze the account. When I called the fraud number they told me they were unable to verify me using my own phone number, the one I registered the account with, because of this fraud warning, and asked for other phone numbers to call. Not phone numbers of other people on the account, but someone with my same last name would do. This practice will undoubtedly cause *more* fraud. They are endangering their customer 's security while also denying us access to our accounts and the bonuses I am paying a {$95.00} fee for.
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: 2023-11-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-21
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: XX/XX/23 : Citicard notified me about fraudulent charges. I confirmed by phone that they weren't mine and they cancelled my card and assured me the charges would be removed. The charges were removed on my next statement in XXXX. XX/XX/23 : I noticed the charges had been added back to my XXXX statement. I called and they confirmed that the dispute had been reopened because the merchant had responded and said the claims were valid. The charges were from a grocery store in towns I have never visited in XXXX. ( I live in XXXX XXXX. ) XX/XX/23 : I sent 2 forms by email that Citicard requested verifying that the charges were not mine. One of them is attached. XX/XX/23 : I called again because the charges had not been removed. I was advised that they would reinvestigate it and let me know. XX/XX/23 : I called again because the charges had still not been removed. The representative assured me that the forms had been received and she would make sure they went to the correct department. She said I should get a response within 10-12 business days. I have not heard from them since.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 125XX
Submitted Via: Web
Date Sent: 2023-11-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-22
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: Today I received a letter from Citi about the disputed charges they have removed from my account. But they have since nearly DOUBLED the amount of original charges. So instead of disputed XXXX charges ( XXXX of which have been refunded ) there are now XXXX charges. As artifacts, I am attaching : - the original statements of the disputed transactions. - the analysis of the new transactions ( XXXX total ) placed on my account compared with the original transactions ( XXXX total ). - the letter from Citi saying that the issue is closed and RESOLVED. This issue is NOT resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 47401
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: 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: The following disputes require further review by a government agency. CitiBank disputes : XXXX - {$440.00} XXXX {$130.00} XXXX {$320.00} Dispute XXXX was resolved in my favor, the above disputes were raised for the exact same reason but for some reason they are being treated differently ; for some reason Citi keeps asking me to go back to the merchant to resolve an issue I already tried to resolve with the merchant. I would not be raising the dispute if the merchant was adhering to the policy stated in customer service chat. Here are the in depth details. I raised multiple disputes for charges with a merchant called XXXX XXXX XXXX XXXX citing they are refusing return of many items that were eligible for return. Dispute was raised because I asked the merchants customer service chat system if I was allowed to return sale items. In the chat the merchant customer service responded yes that I could return sale items. I have screenshots of that chat confirming all sale items could be returned. I proceeded to make many purchases on this website based on the ability to return sale items. Upon receipt of goods when I tried to return the items that did not fit, the merchant cited some sale items could not be returned which was not what was explained to me at the onset PRIOR to purchasing. At the point of purchase, and at the final purchase window FINAL SALE was nowhere to be found. After reaching out to the merchant and trying to resolve it with them directly ; the merchant said some items could not be returned. After merchant refused return, I called CITIbank customer service and explained the issue. The Citi agent told me to raise disputes for all orders where the refusal of return was taking place, and keep the items they would not let me return until the dispute was resolved. The CITI agent told me to keep the items that were not allowed to be returned, file disputes and ship back what was allowed to be returned. So I followed the direction of the Citi agent. I raised the disputes and now CITI is asking me for proof of return, which is counter to what th agent told me, I returned the items eligible for return and raised disputes for the items that the merchant refused although I have in writing from the merchant that ALL items were eligible for return. Citi is asking me to go back to the merchant and resolve something I tried to already resolve ; thus Citi is not making the concerted effort to resolve the problem. I still have the items the merchant refused to allow me to ship back and will ship them back when I am able to generate a return label, and the merchant gives me a Prepaid label that I do not have to pay for.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 303XX
Submitted Via: Web
Date Sent: 2023-11-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-22
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Dispute Number : XXXX Date of Transactions : XX/XX/2023 {$500.00} Non Citi ATM XXXX XXXX XXXX XXXX XXXX XX/XX/2023 {$300.00} Non Citi ATM XXXX XXXX XXXX XXXX XX/XX/2023 {$300.00} Non Citi ATM XXXX XXXX XXXX XXXX XX/XX/2023 {$300.00} Non Citi ATM XXXX XXXX XXXX XXXX This has been one of the most incompetent processes that Citibank has made me jump through since last XXXX. I can not believe that it has taken me 9 months after I was the victim of crime to get to a point where today, I still had to spend 1.5 hours with 5 of the most unhelpful call center agents to try to explain that I have still not had the above transactions returned to me. I was told that the review was under investigation but it is clear that you were expecting me to forget. These transactions were included in my last dispute appeal that you approved but for whatever reason you didn't refund me. All of these transactions/withdrawals happened on the same night within a few hours of one another so WHY WERE YOU SELECTIVE in what you were refunding me. These cash withdrawals were not me, they were criminals as is outlined in my police report. I have again attached my evidence to this complaint. Please, for the love of god, fix this once and for all or I will be removing all my, my wife 's and my families assets from your toxic company.
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: 2023-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-22
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have never done business with these companies, these are all fraudulent
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28105
Submitted Via: Web
Date Sent: 2023-11-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-22
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: I discovered I had been the victim of identity fraud. Someone used my personal information to open several accounts. I got a copy of my credit reports. I discovered someone had opened a fraudulent account with XXXX XXXX on XX/XX/2016. I contacted Citibank by phone and letter to report the fraudulent account. I also discovered the XXXX had attempted to file a bankruptcy petition to cover up the fraud. Citibank responded that since the information used to open the account matched my information then it was my account and refused to delete the fraudulent account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 378XX
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: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have no knowledge of these inquires, listed as - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Cbna- XXXX ( XXXX ) - Citibank ( Best Buy ) - XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10453
Submitted Via: Web
Date Sent: 2023-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A