Date Received: 2023-11-17
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: My name is XXXX XXXX and the Citibank , N.A . denied my credit card application. I have filed a prior complaint with CFPB for this issue and I have uploaded all supporting documents to CFPB on XX/XX/2023. My CFPB complaint ID # for the previous filing is XXXX. I am resubmitting the same complaint second time because I have just discovered yesterday, on XX/XX/2023 from news that Citibank has been denying credit card applications for XXXX. I am XXXX and my last name ends with " XXXX ''. Because I am XXXX descent I have been purposefully singled out and discriminated by Citibank. I have been intentionally denied for credit based on false and fabricated reason and Citibank accusing me that I have bankruptcy filing in my XXXX credit report. Such allegations are false and lies, because my XXXX credit report does not have any bankruptcy information and I have never filed bankruptcy in my life. Although CFPB has taken action against Citibank and the lawsuit is settled, I see that Citibank is still continuing on discriminating against XXXX applicants. I request from CFPB to further take legal action against Citibank because of the fact that Citibank is still practicing discrimination against XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95037
Submitted Via: Web
Date Sent: 2023-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-17
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 called on XX/XX/XXXX to dispute a charge on my credit card as saw a charge posted on my credit card that I didnt recognize. I called customer service of Citibank to inquire about the charge but they couldnt provide me with any information about the merchant which is actually an organization per the charge that I saw on my Citibank credit card app. Btw, its a XXXX XXXX but is a general card and I use it as my primary card. I just called today again, XX/XX/23, since when I open up my Citibank app it asks me to call customer service. The customer service rep, I think is from their fraud department, was apologetic. I was like so you think everyone will have two cell phones registered to them so as to authenticate the customer. So theyve supposedly sent me a letter in the mail albeit Im not home since on a business trip. I will be home tomorrow late night ( XX/XX/23 ) and hope to get the letter with reference number because until then I cant use my card nor can I submit a formal receipt. Ultimately I intend to make the dispute and not use any new card they provide and will then close my account after the dispute is resolved. I find that their authentication practices are inadequate and discriminatory if it requires that a customer has to have XXXX separate phone numbers to authenticate. Banks are typically able to authenticate a persons identity through many means inc SSNs, mothers maiden name, prior addresses, email accounts rather than Citibanks supposed practice of either two phones or sending a letter in the mail that contains a reference number.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94103
Submitted Via: Web
Date Sent: 2023-11-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-17
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: We spend more than {$4000.00} every month with multiple Citi credit cards. On XX/XX/2023, we dined at XXXX XXXX, the restaurant overcharged {$46.00}, we disputed the charged through Citi, provided them with original receipt as proof. Citi closed the dispute prematurely without providing any counter-proof or evidence of overcharge being just. We complained to Citi executive office : XXXX XXXX XXXX, XXXX XXXX Head XXXX XXXX, and Consumer Relationship Head XXXX. Provided them evidence of purchase multiple times. They have been highly unprofessional and non-responsive to resolve the issue or provide us with evidence of why they would not provide customer purchase protection against fraud. Irrespective of the size of the amount, it is the lack of care for customers by Citi, that is shocking and upsetting. XXXX, XXXX, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 156XX
Submitted Via: Web
Date Sent: 2023-11-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-17
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I recently checked my credit report to frind XXXX unauthorized inquries that I did not make nor authorize.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 019XX
Submitted Via: Web
Date Sent: 2023-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-16
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 disputed XXXX charges from the same merchant : {$970.00}, XX/XX/2023, # XXXX {$490.00}, XX/XX/2023, # XXXX I have submitted billing disputes because the merchant engaged in misrepresentation of services and fraudulent solicitation. The service I purchased was not the actual service they delivered. Citi Bank denied these billing disputes without reasonable explanations. I filed the same billing disputes with other banks and they all accepted the claims without issue. Additionally, the CFTC and XXXX both shutdown the merchant for these exact reasons, yet Citi Bank is still denying the claims. This merchant is a XXXX broker/prop firm that charges for application to trade for them. The service is that you pay to go through a challenge and if you pass the challenge, they provide capital to the trader and take a commission on profit. Specifically, they specify this is real money to be traded in real markets. However, this has since proven to be untrue. On XX/XX/2023, Both the United States Commodity Futures Trading Commission ( CFTC ) and XXXX XXXX XXXX XXXX ( XXXX ) shut down My XXXX Funds ( Traders Global Group ). The major charges are as follows but not limited to below : Fraudulent Solicitation - Advertised to customers that they can become " professional traders '' and " we only make money when you do '' when, in reality, traders never had a chance to be professional and My XXXX Funds ( Traders Global Group ) profited from their losses. Misrepresentation of XXXX - XXXX as real money funding for traders, but it was actually a fake account that was never connected to the real markets. No XXXX - XXXX did not use a third-party liquidity provider as promised so they actively manipulated orders and profited from customer losses. Unethical Practices - XXXX manipulation, hidden charges and unjust pretexts to terminate accounts. The owner, XXXX XXXX, also transferred tens of millions of dollars made from fraudulent services to his personal accounts. The merchant responded to my dispute with screenshots and highlights from them showing I agreed to no refund for the service. What they didn't provide in their response is that while they XXXX not refund for the service, they never actually provided the service in the first place. I was supposed to have an opportunity to pass their challenge and become a professional trader using their funding of real money, to be traded in real markets, and they would take a percentage of the profits. I never got the opportunity because they were not providing real money accounts. They were fake accounts that were never entering orders into the real markets to begin with. Consequently, the merchant was shut down by both the CFTC and XXXX for this reason as well as others. Below I have attached documents of the charges from the CFTC and XXXX, their press releases and links to the releases on their websites. If you can please review these claims and my statement again, I think you will find the evidence satisfactory to accept my disputes as accurate, remove the reversals on both XXXX and XXXX and permanently refund these charges. https : XXXX : //www.osc.ca/en/news-events/news/osc-issues-temporary-cease-trade-order-against-myforexfundscomhttps : //fundedtrading.com/my-forex-funds-shut-down-understanding-the-cftc-charges-and-what-they-mean/
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43214
Submitted Via: Web
Date Sent: 2023-11-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-16
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 erroneously made a payment on my Citibank credit card of nearly {$6000.00}. On XX/XX/2023 at about XXXX ( PST ) I realized my mistake and called Citibank to receive a refund. I was informed it would take approximately XXXX - XXXX business days to receive my refund via paper check. I complained, and a supervisor 'over-rode ' the system so that the refund could be directly deposited to my bank account. However the refund still would not be issued for XXXX - XXXX business days. This seems like a long time, given the speed with which electronic transfers can be made. I asked to speak to the supervisor. I believe his name was XXXX, who repeatedly told me the same information, continuously interrupted me and did not listen to my concern. When I told him that, based on our discussion, i wanted to close my citibank credit card account, he asked for my text number to send verification, which I gave him. I asked that he also send confirmation that the refund was being processed. He refused, saying there isn't a system e-mail for that purpose, and he couldn't send personal information via e-mail or text. I wasn't asking for personal information, just a confirmation that they were working on my refund. I tried to tell him this, but he talked over me, and ultimately hung up on me. I have not received the text he said he would send to verify closure of the account. I have no assurance that my refund is being processed or will be made in a timely manner.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95628
Submitted Via: Web
Date Sent: 2023-11-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-16
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: CITI Bank had on many ocassions attempted to get me to submit an application for their balance transfer card. After being hounded relentlisly, I did complete an application. The card was for {$7900.00} transfer. I then received a denial for the card and my credit score had droped considerably. When I attempted to seek a resolution, my calls were not returned. My most recent and response is stating that I have a card, and this is fraudulent and unlawful. See attached, Hi. XXXX. We've closed your Citi XXXX XXXX Mastercard since it's been inactive for several months and based on information from your credit report. You may no longer make transactions on this account. Please immediately destroy all cards on this account and notify any users that it is closed. This is fraud and need to be prosicuted at the highest level. I'm asking for a speedy response. Thi is a followup to my initial complaint. The attached is the latest dated XX/XX/2023.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-16
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Macys Credit Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX _________________________ XXXX XXXX XXXX XXXX XXXX, South Dakota, XXXX Please be advised that I am extremely disappointed in the service and deceptive business practices of the credit services department XXXX On XX/XX/XXXX I purchased a couch from Macys Furniture with a promotional period of 12 months for {$3600.00} with the promotional period ending on XX/XX/XXXX. On XX/XX/XXXX, or XX/XX/XXXX I called customer service and spoke with several reps that I do not recall, but the asks was to allocate {$2000.00} to the promotional balance. However, after checking the website I noticed the entire amount was not applied so I called back and was assured the account would be updated to reflect the payment and the promotional balance of {$1600.00}. As of XX/XX/XXXX, I called customer service and spoke with Representative : XXXX, XXXX to asks why was my promotional balance on the website {$3400.00} when I allocated funds to that account and the website was updated in XXXX to reflect {$1600.00} ( I saved a screenshot of the updates on my phone ). He proceeded to advise me that the {$2000.00} was not allocated to the promotional balance so I became very upset because the reps keep defaulting the errors to the system but that is unacceptable. How is it that Macys is such a large brand but cant get the reps to ensure payments are applied correctly? Why is it that consumers can not go online to apply funds to promotional balances? Is it because you want customers to pay the interest on the account? Is it because it is a tactic used to confuse your consumers? Or simply a way to force interest payments from consumers whos not paying attention to their account and simply lose track of the transactions. This is really unfortunate situation that has caused me stress and time that I can not get back. Therefore, I am submitting a formal complaint to the Federal Trade Commission, Consumer Financial Protection Bureau, as well as the Department of Justice. No consumer should have to deal with this and fortunately I had time today to write this letter and distribute it to all those who have control and oversight of companies that attempts to deceive its consumers. XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07304
Submitted Via: Web
Date Sent: 2023-11-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-16
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL. XXXX Issue with Best Buy City Bank Credit Card - 5 % Cash Back Not Honored Hi there, I hope this email finds you well. I am reaching out to address a significant concern regarding my Best Buy City Bank credit card. I have made numerous calls to City Bank and Best Buy this week, totaling up to 10 calls in total. During these calls, I have opened two case numbers : XXXX and XXXX. Each time, the representatives have acknowledged that I am owed 5 % cash back for my purchases at Best Buy. However, whenever I am transferred to a supervisor to process the credits, the call either gets disconnected abruptly or the supervisor is unable to assist me. Interestingly, the representatives I have spoken to also mention other promotions related to gas stations, restaurants, and other entities that are not relevant to my situation. I solely use my card for purchases at Best Buy and nowhere else. When making a purchase at Best Buy with my City Bank credit card, I am given two options : either to finance the purchase or to receive 5 % cash back. I always select the cash back option. In an attempt to resolve this issue, I have spoken with two store managers at the Best Buy store in XXXX, IL. Both of them have reviewed my case numbers and have agreed that I am indeed owed the cash back. Unfortunately, they informed me that the issuance of the credit falls under the jurisdiction of Best Buy HQ, and they are unable to assist me further. I am growing increasingly frustrated with the lack of resolution to this matter. I kindly request your urgent attention to this issue and prompt action to ensure that the 5 % cash back promised on my Best Buy City Bank credit card is honored. I would greatly appreciate if you could provide an update or clarification on how this matter will be resolved. Thank you for your attention to this matter. I look forward to your prompt response. Sincerely,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60046
Submitted Via: Web
Date Sent: 2023-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-16
Issue: Other transaction problem
Subissue:
Consumer Complaint: On XX/XX/2023, I sent a wire transfer to CitiBank in the amount of {$290000.00} to be deposited in account # XXXX in the name of XXXX XXXX XXXX On XX/XX/2023, I requested my bank, XXXX XXXX XXXX to request a refund due to disagreement on the services provided. Such request was with the consent of the recipient. XXXX XXXX made several attempts to retrieve the funds but was told repeatedly that the recipient 's account was under review. More than XXXX months later, the wire transfer has not been refunded.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32404
Submitted Via: Web
Date Sent: 2023-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A