Date Received: 2023-11-09
Issue: Getting a credit card
Subissue: Problem getting a working replacement card
Consumer Complaint: I opened Citi bank credit card many years ago which is marked paying as agreed. In XX/XX/2023 my Citibank card expired and they did not issue me a new card, and did not provide an acceptable reason why not. The card is now marked closed and paying as agreed. The balance is XXXX. They had no legitimate reason to close my account. They sent a letter with a vague explanation that no one could believe. I understand that in XXXX they checked my credit report many times, and it looks like multiple inquiries ( XXXX or XXXX ) from Citi alone. This is descrimination. I insist this matter be looked into. Never heard of a credit card being closed paying as agreed. This firm is/has always had issues with discriminatory practices.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10022
Submitted Via: Web
Date Sent: 2023-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Using the information provided by XXXX XXXX XXXX I was able to determine the following : -I purchased an item ( a porch chair ) on XXXX from a seller who, unbeknownst to me, ordered the item from Wayfair in my name. I paid the XXXX seller via the XXXX payment process -The item was shipped to me. Unbeknownst to me, the item was shipped to me by Wayfair. -The XXXX seller tried to convince Wayfair that the item was damaged. The XXXX seller did not pay Wayfair for the item. -I was a good-faith purchaser of the item. -I communicated my findings to XXXX XXXX XXXX in writing multiple times. -I offered to assist XXXX XXXX XXXX in any way I can so that they can pursue the XXXX seller. -XXXX XXXX XXXX has ignored all information I provided to them. They continue to demand payment from me, the good-faith purchaser.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 19958
Submitted Via: Web
Date Sent: 2023-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-09
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/2023, Citi Bank froze my checking account without a reason or notification. The only transaction I performed was transferring the balance in my account into another bank account I own. After transferring my money, they returned the money to my account with them and they froze my account or put a block on it. As a result, I can not use my account for any transaction. On XX/XX/2023, I contacted the bank trying to resolve the problem but to no avail. I verified my identity with the bank representative and requested that they unfreeze my account but they refused to do so. They want me to go the branch in person to resolve the problem. I'm currently out of the country and I can not go to the bank in person. I opened my checking account online more than a year ago and it doesn't make a sense that I have to go the branch to resolve bank issues. Many customers usually resolve bank issues online or on the phone especially if they are out of town or country.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91915
Submitted Via: Web
Date Sent: 2023-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-09
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the USPS. The item is not correct and is causing me financial and emotional distress because of their derogative nature. The following items must be updated : MACYS/CITIBANK, N.A. XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91030
Submitted Via: Web
Date Sent: 2023-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-08
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I tried to transferred {$100000.00} from my Citibank online account linked to my checking account to another Citibank online account linked to my saving account using the Citibank XXXX XXXX on XX/XX/XXXX. My transfer didnt go through ( I press the transfer button and then it went to the home pages or something, i thought it was some bugs so I repeated the transfer process again and try to transfer another {$100000.00} or {$90000.00} and still didnt work ) and I didnt receive any messages from my phone neither from the email. Then after a few days on XX/XX/XXXX, XXXX cant log in my online account linked to the checking account, and it shows a red box of text telling me Hmmlooks like were having some technical issues right now. Please try again later. And I tried later another box showed Our system is experiencing temporary delays. Please try again later. I called the phone number of Citibank online banking support and they told me that my account was lock due to fraud protection or something and their specialist is reviewing the account please wait 24hrs to 48hrs and they will call back. I did wait for over 48hrs and received no phone calls or messages. And then I called them many times for XXXX weeks that their tech department and fraud prevention department couldn't fix the problem, and each time they either said someone was reviewing the case and I had to wait 24 to 48 hours to fix the problem, or they transferred the line and another representative given me another number to call which at the end transfer me to their technical department or fraud prevention department again ( and repeated the same process. ) and waited for over 48 hours didnt fixed the problem and no response given back. Last week, I went to one of the Citibank branch to ask the bank staff and they could not do anything about it but ask me to call the phone number again. And today I was told by the Citibank staff that my checking account is being closed and they will send a check to my address. I will need to wait 30-60 days to receive the check. This is ridiculous that they just closed my account without telling me anything about it neither why it got closed nor informed me about the closed of the account through messages or email.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92614
Submitted Via: Web
Date Sent: 2023-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-09
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I had a Sears Citi credit card at least 7-8 years ago, maybe even longer. Paid the amount off by monthly payments. Sears then went out of business 3-4 months later after I paid the card off. Recently, out of nowhere I received a notice stating I owe XXXX so I called as there was a language barrier. The woman could not explain after all of this time how I mysteriously had a balance. I believed this to be a scam, so I asked for proof. A week later I received a letter just stating that I had a XXXX dollar balance without dates and or past history info along with a new credit card that I DID NOT ACTIVATE. A few weeks later I realized they sold the depth to XXXX XXXX/CBNA and it lowered my credit score.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 483XX
Submitted Via: Web
Date Sent: 2023-11-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-10
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: ImI am writing to express my deep concern and frustration regarding a fraudulent activity that occurred on my XXXX credit card on XX/XX/2023, during my visit to XXXX, XXXX. Despite my best efforts in reporting this incident promptly, I am disheartened to note that the matter remains unresolved for nearly three months. On the day in question, I was in XXXX, XXXX, for work. I had taken a taxi from my hotel to the airport as I was preparing to depart. When it came time to pay the taxi fare, I presented my XXXX credit card to the taxi driver. However, the driver informed me that the card did not work on their terminal. Consequently, I had no choice but to pay the fare in cash, which amounted to {$650.00} XXXX pesos. At that moment, I had approximately {$24.00} in cash with me, and I settled the fare promptly. After paying the taxi driver, I proceeded directly to the airport security checkpoint in order to catch my flight. To my shock and dismay, a mere five minutes later, I received an email notification from XXXX informing me of a transaction totaling {$1700.00} with a merchant that I did not recognize or authorize. Immediately recognizing the severity of the situation, I contacted XXXX 's customer service and reported the fraudulent transaction. I followed the prescribed protocol and diligently provided all necessary information and documentation to support my claim. In the days that followed, I maintained regular communication with the bank, providing any additional information or documentation as requested. However, despite my cooperation and adherence to the established procedures, it is deeply disheartening that this matter has not been resolved as it should have been. I find it both unacceptable and distressing that I continue to grapple with this situation, especially given the clear evidence that I had already paid the taxi driver in cash and I can not believe the absurd of this case. I implore you to treat this matter with the urgency and seriousness it deserves. The delay in resolving this issue has left me feeling not only unfairly treated but also unsafe, as I had acted promptly upon noticing the unauthorized transaction through my mobile app Notification Center. I am willing to cooperate fully and provide any additional information or documentation necessary to expedite the resolution of this matter. Please understand the gravity of this situation and the impact it has had on my financial security and peace of mind. I urge you to take immediate action to investigate this incident thoroughly and rectify the fraudulent charges on my account. I have attached all relevant documentation once again to this letter for your reference. I kindly request that you prioritize this case and provide me with a prompt and satisfactory resolution. Additionally, I would appreciate regular updates on the progress of the investigation. I want to emphasize that I have no additional proof to provide beyond what has already been submitted. Since I paid the taxi fare in cash, there is no digital transaction traXXXX to follow. I had no choice but to use the cash I had on hand at the time. Additionally, I requested a digital receipt at the time of payment, but upon closer examination, it appears that the receipt provided was from a different individual, further corroborating the fraudulent nature of the transaction. I trusted in XXXX 's commitment to customer satisfaction and its dedication to addressing issues such as these promptly and effectively. I hope that, with your assistance, we can swiftly resolve this matter. Thank you for your attention to this pressing issue. I eagerly await your response and a swift resolution to this matter. Sincerely, XXXX XXXX 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: 33027
Submitted Via: Web
Date Sent: 2023-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-10
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 booked a motel room through XXXX. After I checked into the motel, I discovered the room was not as represented. I have detailed the specific complaints in my attachment. The room should NOT have been rented due to the deficiencies, and no other acceptable room was offered. I filed a complaint with credit card company, because XXXX and the motel committed FRAUD and misrepresentation. Had the true characteristics of the room been honestly revealed, I would have located a different motel, but it was late when I checked in. XXXX also said no refunds would be granted if a booking was cancelled, for any reason. I explained the problems thoroughly and accurately in my communication with credit card company, CItibank. The response from XXXX was non responsive to my complaints. XXXX offered boiler plate, general, statements. I doubt anyone even read my complaints. XXXX is an agent of the motel, regardless of who committed the FRAUD.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98072
Submitted Via: Web
Date Sent: 2023-11-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-10
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: On XX/XX/2023 a balance transfer was sent from XXXX XXXX to XXXX XXXX XXXX XXXX in the amount of XXXX I contacted XXXX XXXX to inform them that the transfer was sent to the wrong account number. A representative from XXXX XXXX told me that the money would be sent back if the account number was not correct and they would be able to reissue that balance transfer. Months went by and I contacted both XXXX XXXX and XXXX XXXX XXXX and no one could find the money. Investigation after investigation and still no money was found. It is XXXX and now I have been paying two credit card companies instead of one.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94804
Submitted Via: Web
Date Sent: 2023-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-10
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 section 6 o 4 a section 2 ). It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30318
Submitted Via: Web
Date Sent: 2023-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A