Date Received: 2024-02-28
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/XXXX - Home Depot credit card statement received with three charges, two of which were fraudulent/unauthorized. Immediately contacted Home Depot fraud hotline to report unauthorized charges. Representative XXXX took report and cancelled card. XX/XX/XXXX - received confirmation letter from Home Depot acknowledging receipt of fraud claim and instituting investigation. XX/XX/XXXX- received another letter from Home Depot again confirming investigation proceeding and indicating they would contact for additional information. XXXX early XX/XX/XXXX - multiple phone calls made to Home Depot security operations regarding status of claim. Advised investigation pending and no request for further information from us. XX/XX/XXXX - received letter from Home Depot advising " facts and/or information reviewed does not substantiate the claim of unauthorized use of account and determined that we are responsible for the charges in question ''. Upon receipt of letter contacted security operations at XXXX requesting specific basis of denial and what further facts they are requesting from us. None requested but advised their records show a credit card was not used in questioned transactions. Representative indicated the investigation would be reopened. XX/XX/XXXX - Letter received from Citi-Home Depot indicating account is past due. XX/XX/XXXX - received EXACT SAME form letter from Home Depot as received on XX/XX/XXXX denying claim. XX/XX/XXXX - filed Identity Theft report with Federal Trade Commission ( report # XXXX ). Contacted XXXX at Home Depot Security Operations to advise of filing with FTC and received address and fax number for Home Depot fraud research department. Advised investigation again reopened. XX/XX/XXXX - sent fax to Home Depot Security Department XXXX with copy of FTC identity theft report. XX/XX/XXXX - mailed letter to Home Depot fraud research department ( as per attachment ) denying charges in question were made by us and demanding our file. XX/XX/XXXX - received letter from Home Depot confirming investigation again reopened. XX/XX/XXXX - letter received from Citi-Home Depot indicating account past due and threat information may be reported to credit bureaus. XX/XX/XXXX - letter from Citi-Home Depot requesting payment. XX/XX/XXXX - letter from Citi-Home Depot again requesting payment. XX/XX/XXXX - form letter received from Home Depot same as previous letters stating investigation does not substantiate our claim and we are responsible for charges and investigation complete. File never received as requested and no additional information requested of us. Numerous calls requesting payment ; relate to rep our denial.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60423
Submitted Via: Web
Date Sent: 2024-02-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-28
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: In XX/XX/2023 I did a reservation using XXXX to stay in a house in Florida for the amount of {$1900.00} and {$200.00} deposit for the property in case of any damages. On XX/XX/XXXX of 2023 the property owner charged my card for the amounts of {$1900.00} and {$200.00} And on XX/XX/XXXX of XX/XX/2023 they charged again {$1900.00}. days later when I noticed the charges, I called the property to ask them why they did that, they replied saying that it was an error and that they have already refunde the money to the card. I checked and it was not true so I called the credit card company to dispute the extra charge of XXXX They told me not to worry about it and that they will issue a new card and that they will investigate and so, in XX/XX/XXXX of 2023 credit card sent me a letter saying that they had issued a credit back to my account of the XXXX from XX/XX/XXXX of 2023 and they considered this matter resolved. The other {$1900.00} and {$200.00} I paid them to my credit card company on XX/XX/XXXX XXXX, the amount I paid was {$4900.00} ( I didnt like to carry a balance so I would pay my balance in full ) .Later in XXXX of 2023 my credit card was fraudulently charged multiple times so I decided to canceXXXX the reservation and because I was unable to get a response from XXXX or the property regards my reimburse for the {$1900.00} and {$200.00} I disputed the charges. The nightmare lasted several months until finally in XX/XX/XXXX 0f 2023 the credit card company issued me a credit back to my account. So I called them and asked them why they did not sent me a letter to notified me, they responded saying that they did. Which is Not true. so asked them when will I get my refund for the amounts that I have already paid to credit card in XX/XX/XXXX of 2023, they said that they did not owe me anything, that the only thing they could do was a to check the whole account and that wit will take them up to 3 weeks. Later I got an message saying that they did not find anything. I called them again and explain them and this time the charged me for the {$1900.00}, {$200.00} from XX/XX/XXXX of 2023 and also {$1900.00} from XX/XX/XXXX of 2023. XXXX ok now according to them instead of they owning me my money they want me to pay {$4000.00} XXXX. I dont know what to do everytime I call they have that attitude of like you cant do nothing about it, I do have screenshots of everything, emails and pictures. Please help me I just want my money back and everything back to. Or mal XXXX dont want my credit to be affected. Thank you Note I have a lot of pictures and emails and screenshots and a police report. If you need anything else please let me know. Thank Credit card info XXXX XXXX XXXX from city bank
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 762XX
Submitted Via: Web
Date Sent: 2024-03-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-28
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: Hello, I have my credit score drop from XXXX to XXXX in last few weeks because Citi credit card account is not able to pull up my disputes and has been charging me interest rate and mimumum payments on the disputed transactions since XXXX. They initially gave me the refund took it back and then gave it back to me and then took it again without notifying me. I have called them several times and told them that i changed my bank account and I was tired of the automatic withdrawal for minimum payment every month. I told them to put hold or do I need to keep making payments but they told me don't worry we will take care of it. But instead they made my account deliquent and ruined my credit. Even after staying on the phone with them over an hour they didn't give me any resolution and told me to call back again. I ended up paying {$480.00} for charges that I do not owe. I have not used the card in the last XXXX years besides monthly XXXX subscription being charged to the account. I really need help to restore my credit and fix this issue! Thank you. 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: 33324
Submitted Via: Web
Date Sent: 2024-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-28
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: Ref : Best Buy Visa, account XXXX On XX/XX/XXXX, someone made a purchase to my account for {$210.00}, I did not make this purchase. The next two statements from Best Buy credit card went to an old address and did not catch up with me until late XXXX. I did not change the address on my Best Buy account on a timely matter because the account balance was supposed to be XXXX. On XX/XX/XXXX, after noticing the problem, I called and disputed the charge of {$21000.00}, the fees of {$69.00}, and interest of {$12.00}. I was lead to believe that all would be removed from the account. On XX/XX/XXXX, a credit was issued for {$210.00} and on XX/XX/XXXX for {$58.00}. Those statements clearly stated that I was not required to pay disputed amount, incl interest & fees until dispute was investigated and settled. However, it was never explained that I would have to pay the statement balance to stop future fees and interest. A practice not done by my other credit cards such as Citi Mastercard and XXXX XXXX. Records will show I called Best Buy Visa on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to correct the issue. I was always lead to believe that the fees and interest would eventually be credited and to disregard the Best Buy statements. You can confirm this by listening to the voice recording. It was not until XX/XX/XXXX, that someone explained that I had to pay the total balance for fees and interest to stop. I paid the full amount on that date and submitted a new fraud dispute. Let me know if you need any further information. Regards, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75231
Submitted Via: Web
Date Sent: 2024-02-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-28
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: We were contacted via telephone by Citibank on XX/XX/XXXX regarding suspicious debits to our small business savings account. These amounts of {$2000.00} and {$4000.00} were charged to our account on XX/XX/XXXX and XX/XX/XXXX, respectively. Both transactions were transfers to accounts at XXXX XXXX Bank. We told Citibank that these transactions were not authorized. They told us to contact their Fraud Services Dept. toll-free phone number. We immediately called the Citibank Fraud Services Dept. and explained the situation. They " blocked '' our savings account so that no new transactions could be posted and initiated a case. Over the course of the next several months, we received and sent correspondence, made numerous phone calls and sent emails, coordinated with our local Citibank branch manager, contacted XXXX XXXX XXXX, etc. Citibank dragged their feet every step of the way, closing and re-opening our case, and producing no resolution. The most recent letter we received from Citibank dated XX/XX/XXXX stated that " Due to the limited time that banks are allowed to return these types of transactions, we are unable to return these items. ... Unfortunately, we are unable to assist you any further regarding these transactions. '' We have not yet been reimbursed for these funds that were erroneously charged to our account. We are awaiting a credit back to our savings account in the amount of {$6000.00}. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92675
Submitted Via: Web
Date Sent: 2024-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-28
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I was paid for work I did. Deposited the check then the account was closed after the money cleared. I was sent. Copy of the check which was I was unable to cash at any other financial institution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10035
Submitted Via: Web
Date Sent: 2024-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-28
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: On XX/XX/XXXX I paid a merchant {$3000.00} to complete contract work/purchase supplies. This was a partial payment. In late XXXX ( XXXX at some point ) I had concerns about the merchant not completing work/not sending me updated invoices. The original invoices had charges for things I had purchased myself. I contacted Citi to confirm the timeframe I had to file a dispute. I was told 180 days. As a result of this, I made the decision to give the merchant until end of XXXX to rectify the issue. The merchant refused to respond to me. In early XXXX I called to dispute the transaction and was told to mail a letter. I did this, including the invoices, text message conversations confirming my side of the story, and confirming the merchant would not respond. In XXXX my dispute was denied. I called on XX/XX/XXXX to ask why. I was told my dispute was pending, but after challenging this the colleague admitted the dispute was denied. The dispute was refiled, with the colleague stating they agreed I had provided ample evidence. On XX/XX/XXXX my dispute was denied again. I called and was told that the timeframe for a chargeback had passed. I explained that I had called last year to confirm my timeframe for a dispute and had been told 180 days. The colleague said she couldn't speak for what a representative had said before and that there was nothing they could do to issue a chargeback for a refund despite clear evidence of being incorrectly charged.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29615
Submitted Via: Web
Date Sent: 2024-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-29
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/XXXX I received notification of a possible fraudulent transaction. I immediately called citi and spoke with their representative that it was indeed fraud. They issued me a new credit card number and I assumed it was taken care. Citi sent me photos of a fake ID used that was not my picture and a fake credit card. It was not a " double cash '' card like they know my card is. In spite of this, they have concluded that I'm held liable for this transaction today, XX/XX/XXXX. They already drafted the $ XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: 665XX
Submitted Via: Web
Date Sent: 2024-02-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-29
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Reached out to the company XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Can not settle the collection.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53703
Submitted Via: Web
Date Sent: 2024-02-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-29
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XX/XX/2024 XXXX credit reported that I had two credit cards two months overdue. I immediately contacted XXXX and advised that I do not get any statements, nor do I pay these two accounts.I also noted that I never miss payments, and always pay more than the minimum each month on my credit cards. In a matter of days, I was notified by Citi card that they reduced my credit amount, by {$14000.00}. Prior to the XXXX error, Citi had increased my credit limit to {$20000.00}! An increase that I never wanted nor requested! This was due to report from XXXX ; although Citi has tried to cover it up by stating I have over extended my Credit! However, all of my credit cards, including XXXX XXXX - based on XXXX XXXX Report which was based on XXXX 's report, have lowered my XXXX scores considerably. XXXX also lowered my my credit rating all because of XXXX 's initial report. ON XX/XX/2024 XXXX notified me that they DELETED THE TWO PAYMENTS ON THE CREDIT CARDS IN QUESTION. I might add that XXXX had a data breach and my e-mail was listed on the " Dark Web, '' and it was XXXX XXXX who notified me, not XXXX. I am very concerned, especially due to Citi 's reducing credit limit that I am now being viewed as untrustworthy! Again, I have never asked for any credit increases from any of my credit cards. Furthermore, I believe Citi is not practicing good business principles by authorizing credit increases when they are not requested.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60657
Submitted Via: Web
Date Sent: 2024-02-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A