Date Received: 2023-11-20
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/2023 I initiated an electronic payment for {$1000.00} through my checking account at XXXX XXXX for payment on my Citi XXXX XXXX XXXX XXXX - the total balance on the Citi credit card was {$3000.00}. I then used a balance transfer check for {$2000.00} from my XXXX XXXX XXXX account, ( check # XXXX ) to pay the remaining balance on the Citi XXXX XXXX. This was mailed via usps priority mail with a payment coupon from the Citi credit card on XX/XX/23. The tracking # from the usps priority mail is XXXX XXXX XXXX XXXX XXXX XXXX. On Saturday XX/XX/2023 I checked the status of the usps tracking and it showed the letter was delivered to Citi 's XXXX AZ address on Thursday XX/XX/2023 but when checking the Citi account on line they have only credited the electronic payment of {$1000.00} from XXXX XXXX and not the {$2000.00} check. This presents a problem because the Citi XXXX XXXX account is on a 0 % interest deal which ends XX/XX/2023. These pieces of filth from Citi are withholding this payment so as to show I have a balance of {$2000.00} and subjecting me to interest. They have pulled similar fraudulent acts on me with a mortgage account I had with them a few years ago - they are nothing but filthy liars and theives.
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: 2023-11-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-20
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 XX/XX/2023 I initiated a dispute with Citibank regarding a defective item purchased from a merchant on XX/XX/2023 for {$1200.00}. I attempted to return the unit multiple times to the merchant who would not supply the necessary address/authorization ( XXXX ), despite acknowledging that the unit was defective and being within their stated return policy. In a letter dated XX/XX/2023 Citibank stated that I must provide by XX/XX/2023 either ( 1 ) evidence that I have returned the unit to the merchant or ( 2 ) a letter showing that merchant refused to accept the return. I replied on XX/XX/2023, along with extensive documentation showing ( 2 ) that I had asked the merchant XXXX times ( XXXX via email, XXXX via phone ) to return the unit which the merchant did not provide the necessary details in response to to any of those XXXX requests. Citibank customer service confirmed receipt of these documents. In a letter dated XX/XX/2023 Citibank stated that by XX/XX/2023 I must provide either ( XXXX ) evidence that I have returned the unit to the merchant or ( XXXX ) a letter showing that the merchant refused the return. I replied on XX/XX/2023 with a letter describing the merchant 's refusal to accept the return, referencing the previously-sent evidence. Customer service confirmed receipt of this documentation. In a letter dated XX/XX/2023 Citibank stated that I did not provide valid proof of returning the unit to the merchant and the dispute was closed. I responded on XX/XX/2023 that I have sent documentation on XXXX prior occasions, showing the merchant 's refusal to accept the return. I included a summary of my interactions with the merchant supporting this claim, and appealed the decision. Customer service confirmed receipt of this documentation. In a letter dated XX/XX/2023, Citibank stated that the matter was closed although XXXX be able to help if I could provide documentation that the merchant agreed to a credit. On XX/XX/2023 I forwarded an email to Citibank from the merchant agreeing to credit my account, but the dispute remained closed. On XX/XX/2023 I sent additional emails from the merchant showing that they withdrew their objection to my dispute after reviewing the same documentation sent to Citibank, but the dispute remains unresolved by Citibank. I also noted that I had provided the requested information XXXX times and that I have not received a reason and documentation for the denial of my dispute as required under the Fair Credit Billing Act, and reiterated my request to appeal the decision. Based on Citibank 's multiple letters asking for proof of returning the merchandise, it appears that either no investigation was conducted, or the documentation ( which clearly shows the merchandise could not be returned ) was not read or considered as part of the investigation. In addition, no explanation or documentation has been provided for the denial. I believe these XXXX issues show that Citibank is not meeting their obligations under the Fair Credit Billing Act. The case is currently pending as of XX/XX/2023.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60525
Submitted Via: Web
Date Sent: 2023-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-20
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: On XX/XX/XXXX I applied for a Citi XXXX card, principally because I had to make a large purchase in the following two weeks, and they were advertising a sign-up bonus in exchange for adding {$4000.00} to the account balance in the first two months. But they did not disclose an annual membership fee at sign-up. That card never arrived. Citi did however immediately begin sending me bills for the annual membership fee, and within a month, another additional {$40.00} late fee bill. On XX/XX/XXXX I called again to let them know the card had never arrived, and that I would be hugely inconvenienced if I did not have it on hand to make the large purchase for which I had signed up. The representative said they would send another one immediately, which also failed to arrive. I began to receive paper bills and automatic " this is an attempt to collect a debt '' calls. So on XX/XX/XXXX I called again, and explained I believed their marketing practices were illegal, that I would be unable to use the card and its promotional value, and that I needed to close the account and would file a complaint with XXXX. The representative offered to extend the promotion for six months, to cancel the late fee and the membership fee, and said Citi would call me back within a week to confirm. They also offered to overnight the new card to me. That card finally arrived, but I didn't activate it, waiting to hear back about the new promotional terms. But the debt collection calls related to a past due fee have also continued. So on XX/XX/XXXX I called again, and the representative said she had no record of another representative having extended a promotional offer or of offering to cancel the membership fee. I am still being billed for a membership fee for a card I never even activated. I assume this could negatively impact my credit, since I refuse to pay for a card I never even activated. The representatives kept me on the phone for over an hour, transferring me to different departments to try to convince me not to cancel my account, and I was unable to get them to cancel the {$95.00} membership fee or to close my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27406
Submitted Via: Web
Date Sent: 2023-11-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-19
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I would like for the company to honor my request of dispute from the XXXX Forbearance program by removing/deleting the late payments that were reported during the time of XXXX Pandemic. Due to XXXX forbearance program regulations it states that no late payments are to be reported to the financial credit bureaus during the time of XXXX forbearance period. I have late payments on my report I want removed because I am a victim of a XXXX and legally you should not have put it there. REMOVE LATE PAYMENT UNDER XXXX FORBEARANCE PROGRAM : XXXX. XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX to XX/XX/XXXX of listed Unfair late payments and Unfair Charge Offs Dates : XXXX Unfair Late Payment XXXX Unfair Charge Offs Last XXXX Digits of XXXX DOB : XXXX XXXX The law is very clear as to the Civil liability and the remedy available to me for the " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11417
Submitted Via: Web
Date Sent: 2023-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-19
Issue: Problem with a company's investigation into an existing issue
Subissue: Problem with personal statement of dispute
Consumer Complaint: Been having same issue with my macys credit card and it's been on my report, I have called macys and explained I was in military bootcamp at the time where I didn't have access to my phone or internet and I did autopay with my bank then but didn't go through for some weird reasons, I have never been late with my payment and I need this erase of my report.thanks.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98277
Submitted Via: Web
Date Sent: 2023-11-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-19
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/2023, I went to purchase a phone from the XXXX XXXX. During the purchase, Citi locked my checking account on suspicion of fraud. I immediately opened the Citi app and requested the agent unlock my account in the chat function. The agent gave me a phone number to call. I called the number. Because my phone number was being transferred between phones, I had to use a third party line from the store. I provided the agent on the line with the total amount of the purchase and asked the hold be taken off the account. He informed me I would have to call back with the number on the account. Therefore, I had my number fully transferred to the new phone and called the number again. Over the course of a hour, I provided my full information XXXX separate agents in an attempt to get my account unlocked. With each agent, I provided my phone, address, debit card number, PIN, and last four of my SSN. The second agent informed me I would have to wait XXXX days to receive a physical letter to verify my identity. When I asked to speak to an on-shore representative ( a U.S. based agent ), they refused and disconnected the call. I cancelled the XXXX purchase and left the store. I spent a few hours with XXXX attempting to get my number transferred back to my old phone. The entire process lasted 7 hours and resulted in me with a hold on my account. On XX/XX/2023, I called Citi again. I spoke with two separate off-shore agents over the course of a hour. As in the previous calls, I provided them with several modes of identification including my phone, address, debit card number, PIN, and last four of my SSN. The final agent again told me there was no other way to verify my identity besides the letter. I asked if they could use the only phone number associated with the account. They told me the number was no longer valid for verification. I asked again to be connected with a XXXX XXXX agent. After several periods of being put on hold, the off-shore agent disconnected the call. On XX/XX/2023, I called Citi again. I again spoke with two agents. I explained them the situation. The second agent attempted to verify my identity through the app. I confirmed my identity via the app by clicking on the approve button. An error message popped up. They again stated I would have to wait XXXX days for a letter. I asked to speak to a U.S. based agent, they said none were available and disconnected the call. I immediately called back. I asked the first agent immediately to be connected to a U.S. based agent. They said theyll try. They connected me, however, to an off-shore agent, who again told me I must wait for a letter. They refused to connect me with someone in the U.S. Tomorrow, I plan on calling a local branch to resolve the situation. The nearest physical branch, however, is XXXX hours away. Citis off-shore agents are responsible for placing a permanent hold on my checking account, and requiring I wait 5-7 days for a physical letter. This was the result of a Citi error in flagging of a fraudulent purchase. When making attempts to resolve the situation, their off-shore agents were increasingly unhelpful. I feel disappointed and powerless trying to access my checking account during a holiday week.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 452XX
Submitted Via: Web
Date Sent: 2023-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-19
Issue: Other transaction problem
Subissue:
Consumer Complaint: On XX/XX/2023, I initiated a wire transfer from my checking account at Citibank to an account at Bank XXXX XXXX XXXX {$110000.00}, which was deducted from my account on that day. Neither Citibank nor anyone else informed me that the wire was not posted by the recipient bank. I had no indication of any problem until the recipient informed me on XX/XX/XXXX that Bank XXXX informed the recipient that the bank had rejected the wire. Ultimately, Bank XXXX provided a document claiming to have returned the payment on XX/XX/2023. That did not happen. I called Citibank XXXX XXXX on XX/XX/2023 to inquire as to why I had not received the {$110000.00} back in my account, and was informed by XXXX XXXX that Citibank had never received notice of the rejection of the wire, which should have been received. As a result, I initiated a recall of the wire in XX/XX/2023, which I was told by Citibank was my only option. On XX/XX/2023 my account was credited with {$110000.00}, representing funds returned by Bank XXXX at that time. However, the returned funds is short by {$4400.00} from the amount deducted from my account for the wire. The explanation given for the shortfall is the change in the exchange rate between XX/XX/XXXX and XX/XX/XXXX. This delay never should have occurred. The wire should have cleared or been immediately rejected. Bank XXXX claims it rejecyed it promptly, at which point Citibank should have demanded the money. Had it done so, I would have received roughly the full {$110000.00} in my account. I opened several cases with Citibank, none of which were given any real attention.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 105XX
Submitted Via: Web
Date Sent: 2023-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-19
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: Company stated that payment was last and decease My credit limit from XXXX to XXXX which cause my credit score to drop. NO PAYMENTS IS SHOWING.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 31419
Submitted Via: Web
Date Sent: 2023-11-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-20
Issue: Took or threatened to take negative or legal action
Subissue: Sued you in a state where you do not live or did not sign for the debt
Consumer Complaint: XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX is a third party debt interlooper that has stolen my estates information and has created bonds utilizing the information stolen. She has wrongfully initiated a suit in a justice of the peace court however the subject matter pertains to securitiesa FEDERAL concern governed by FEDERAL securities laws. Not only has she wrongfully initiated an alleged debt claim in a court without jurisdiction to hear the matter, Citibank has an arbitration agreement which specifically states ARBITRATION REPLACES THE RIGHT TO GO TO COURT, INCLUDING THE RIGHT TO A JURY AND THE RIGHT TO PARTICIPATE IN A CLASS ACTION OR SIMILAR PROCEEDING. I allege that XXXX XXXX nor XXXXXXXX XXXX XXXXXXXX XXXX. has no authority to act on behalf of XXXX as she has refused to present proof that the board of directors at XXXX held a meeting and decided to hire her. XXXX XXXX of XXXX XXXX XXXX XXXX is a third party interlooper pretending to act on behalf of XXXX without chartered authority. I have not been presented with proof of claim, nor a copy of a contract between myself and CITIBANK or XXXXXXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-20
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Citi suddenly closed my checking account, stating that they terminated the banking relationship with me. However, they also blocked my online access to my Citi credit card while I was still an active user. As a result, I have lost access to control of my credit card account. The instructions provided Citi customer service could not resolve this issue- my access is still blocked.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 752XX
Submitted Via: Web
Date Sent: 2023-11-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A