Date Received: 2023-11-14
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I called the irs and my money was returned
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38016
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I had a 0 % balance transfer with my Citi Bank credit card coming due XX/XX/XXXX, with a {$7000.00}, balance. I also had a {$5000.00}, balance transfer, due XX/XX/XXXX, for which I paid a 3 % fee ( {$150.00} ), and it was for 1 % interest until the balance was due. I paid {$7000.00}, on XX/XX/XXXX, to pay off the first balance transfer, which would have converted to 29.9 % interest. I had a balance due of {$4000.00}, on the second balance transfer at 1 %, due in XXXX of XXXX. Citi applied the {$7000.00}, payment to the second balance transfer, which left me a balance on the first balance transfer of approx. {$4000.00}, and then began charging me 29.9 % on that balance, instead of the 1 % rate that I had paid for until XXXX of XXXX. I called Citi on XX/XX/XXXX, and explained the situation. I was told that a request would be made to re-allocate the {$7000.00} payment to the first balance transfer, and that my interest paid would be refunded. However, I was told that this had to be approved and in the meantime I should continue to pay the minimum due which included interest at the rate of 29.9 %. Citi claims that payments are applied to the highest interest rate balance, so they were justified because at the time my {$7000.00} payment was received, the 1 % balance transfer was higher than the 0 % balance transfer that was ending in a few days. This is a scam. I paid for a 1 % rate until XX/XX/XXXX ( on the remaining balance ). They kept the {$150.00} charge, denied me the rate until XXXX of XXXX that I paid for, and are charging me {$70.00} a month in interest at the rate of 29.9 %. Now after waiting 10 days for an answer, they tell me it can take up to 30 days, and no guarantee on the outcome. This practice should be illegal.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92262
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
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: XXXX - XXXX charges for same amount from same merchant ( XXXX ) on same date - put in dispute and a conditional credit was issued. Dispute was closed and conditional credit reversed stating charge was valid. XXXX- XXXX shows same XXXX charges - reopened dispute. XXXX - Received letter from CitiBank that XXXX ' had been returned to XXXX XXXX XXXX and that I needed to contact XXXX XXXX XXXX - Contacted XXXX XXXX- XXXX responded via email that only XXXX charge is valid and to go back XXXX CitiBank to correct. XXXX - Citibank reopened dispute and now need to wait another XXXX business days. XXXX - Contacted CitiBank for an update and was told I still needed to wait but XXXX ( XXXX ) was sending an 'escalation ' to XXXX ' and provided an email address to send documentation showing there are XXXX charges still on my account and the email documentation from XXXX showing only XXXX charge is valid. Both documents were emailed and received. XXXX - Letter from CitiBank - " XXXX com charged your account only once '' for the disputed amount of {$1200.00}. However XXXX charges are still on the account. XXXX - Contacted CitiBank - XXXX - This is now the XXXX dispute about this charge. Asked if there was something I was missing and she confirmed the XXXX charges of {$1200.00} on XXXX are still on my account and that the documentation emailed had been received and clearly showed XXXX only authorized one charge. The dispute was to reopened and sent to the 'back office ' to review. Dispute XXXX. A complaint was to be opened on my behalf as well - Case ID # XXXX. XXXX - Citibank sent an " Account Update '' stating a copy of the statement was being mailed and that " we must honor any charge presented for payment. If a charge appears ... that was not authorized, please contact customer service. The statement sent is XXXX. XXXX - NOTHING MORE FROM CITIBANK AS OF TODAY
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 786XX
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: In XX/XX/2023 I cashed a loan check drawn against a Citibank account. I had no problems cashing the check and I subsequently opened an account. In XX/XX/2023 I refinanced the loan and Citibank would not cash the check. I was told Citibank Delaware is a third party and they could not cash the check. I just dont understand. The bank manager refused to cash the check. I think this is ridiculous and unbelievable. I will close my account once my funds clear, but this is unacceptable.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 907XX
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: BestBuy CBNA - The account is paid in full but was charged off. Before paying off the account, BestBuy CBNA agreed to remove the late payments from my credit report. From XX/XX/XXXX- XX/XX/XXXX the account was delinquent. The account reflects Paid in full but those delinquents have not been removed. Please remove as agreed upon.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89166
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Regarding Citibank checking account. On XX/XX/XXXX I submitted instruction for XXXX in the amount of {$25000.00} ( the daily XXXX ) for several days spread out. Received an email the transactions were cancelled and to resubmit. When I called I was told the fraud department called me- they did not. I was told I would receive a letter from the bank- I have not. I have XXXX homes and am in the XXXX home with the mail being forward so no idea when this letter will arrive. I went to a branch on XX/XX/13 with a passport and debit card. The branch was told by the XXXX team this is not acceptable so my account is frozen for the foreseeable future.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75219
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I was online browsing for an airline ticket, suddenly XXXX XXXX offered me a good fare, I was about to purchased it and a window pooped offering me {$200.00} my first statement and XXXX XXXX bonus if I applied for the card, I did, I was approved and they never supplied me with the card to pay for the ticket, so they tricked me to accept the card, check my credit and etc for nothing, Fell like I was scammed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10573
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/2023 there was a charge to my debit card for the amount of {$250.00} at a XXXX XXXX. The charge also mentions XXXX, I looked up " XXXX XXXX '' and the nearest one to me ( XXXX, CA ) is in XXXX, WA. I disputed this immediately on XX/XX/2023, I explained to Citibank that I live in California and it's a XXXX XXXX to XXXX or XXXX flight. On XX/XX/2023 I have purchases from a taco truck and other places after the XXXX XXXX withdrawal. Citibank states that because I was in possession of my debit card the entire time the withdrawal is valid.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94544
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
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/23 my credit card information was hacked from a website and was charged {$1900.00}. I did not make this purchase. They stole my account and took the information to make a charge then tried to change my account. I complained to the company and they did nothing. I immediately closed my card. I complained to my credit card. They said they would take care of it because its fraud. They said the company claims I made this purchase so theres nothing they can do. I reopened the case and sent emails from this time showing the suspicious activity on my account and I also sent a letter. They arent helping me at all and are now harassing me asking for my monthly payment. I have nothing on this card except this fraud charge.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: XXXX XXXX Agency Wrote Me A Check on XXXX, 2022, For {$2700.00} To Payoff My Best Buy Credit Card. I Mailed The Check In To Best Buy/Citi To Payoff The Balance. XXXX XXXX Emailed Me A Copy Of The Cleared Check And I Know The Check Was Received By Best Buy Because I Sent It Through Certified Mail. Best Buy Keeps Charging Me Because They Keep Saying It Was Never Received. I have faxed proof and mailed the proof to Best Buy about 6 times total, but they keep telling me nothing was received. Everytime I call customer service, they tell me to fax them the proof again. This has been going on for over a year, enough is enough. I am still current on my payments, the balance is down to {$2200.00} now. I want my best buy card cleared. I want the money that they owe me now.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85742
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A