Date Received: 2023-11-07
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Best Buy card didnt use it and I didnt receive any statements on my address for more than XXXX years. XXXX sent me message saying Best Buy closed with balance XXXX $ and Im not responsible for these transactions. I tied to open my account and I found different address not my new address and didnt phone number. I tried for more than two month calling the bank but no one solve it and they ask me making a payment for something I didnt use.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 17036
Submitted Via: Web
Date Sent: 2023-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-07
Issue: Problem with a purchase or transfer
Subissue: Charged for a purchase or transfer you did not make with the card
Consumer Complaint: In XXXX XXXX XXXX sent messages to me about Citi card charging me XXXX $ and Best Buy XXXX $ dollars due to someone else used them not me. I tried to report the banks but they took much time to investigate them and now they ask me for make payment for credit I didnt use them
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 17036
Submitted Via: Web
Date Sent: 2023-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-07
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: 4 hard injury are on my credit that was not authorized
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89139
Submitted Via: Web
Date Sent: 2023-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-07
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Transaction Date : XX/XX/2023 Transaction : MEMBERSHIP FEE XXXX XXXX XXXX Amount : {$490.00} plus interest charged We called in and cancelled this card over the phone on XX/XX/2023. The agent confirmed cancellation and we thought that the account is closed. I logged in today just to make sure and noticed that Citibank charged me {$490.00} and my account is past due and was never closed! I called customer service and explained this to them and explained why I chose to close the card back in XXXX due to financial hardship and they were not helpful and were rather rude and aggressive. This is predatory. I would like the charges refunded along with the interest and this account closed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90024
Submitted Via: Web
Date Sent: 2023-11-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-07
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: According to an article in XXXX XXXX and elsewhere on the internet, Citibank intends to force accountholders and credit cardholders to receive statements electronically or lose electronic access to their accounts. It goes on to state that new customers are automatically enrolled in e-statements. Both of these violate the provisions of XXXX which specifically states that it does not require consumers to agree to receive records electronically. Even paper statement fees that discourage consumers from receiving paper statements were frowned upon if the intent was to force the consumer to accept electronic delivery, as recently evidenced in the CFPB 's own recent publication on junk fees. And new customers can not be automatically enrolled without having an option for paper statements. Plus automatic enrollment would need to follow XXXX disclosure and demonstrable consent requirements which might not be occurring. Many financial institutions explored the automatic enrollment with opportunity to opt-out solution and found that it was not permissible. I as a consumer should not be forced to forego paper statements and risk losing electronic access. link to article : XXXX XXXX XXXXXXXX XXXX XXXX SIGNATURES IN GLOBAL AND NATIONAL COMMERCE ACT TITLE I -- ELECTRONIC RECORDS AND SIGNATURES IN COMMERCE This title does not limit, alter, or otherwise affect any requirement imposed by a statute, regulation, or rule of law relating to the rights and obligations of persons under such statute, regulation, or rule of law other than a requirement that contracts or other records be written, signed, or in nonelectronic form ; or ( 2 ) require any person to agree to use or accept electronic records or electronic signatures, other than a governmental agency with respect to a record other than a contract to which it is a party.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90713
Submitted Via: Web
Date Sent: 2023-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-07
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Citi band charge me XXXX XXXX I am not responsible for the balance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 17036
Submitted Via: Web
Date Sent: 2023-11-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-07
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: In XX/XX/XXXX, I made large ( costly ) purchase from Home Depot ( HD ) in XXXX, CA relative to kitchen remodel, with terms of 24 months/same as cash. Initially paid-down nearly ( over ) half, with approx. {$17000.00} balance. Immediately began ( XX/XX/XXXX ) began making $ XXXX monthly payments in addition to the monthly minimum payments HD concurrently withdrew from my banking institution, XXXX XXXX XXXX XXXX ( XXXX ). As of XX/XX/XXXX began making {$500.00} per month additional payments, and began making {$700.00} ( in addition to monthly min ) payments to the account via direct deposit from XXXX. In late XXXX or XXXX, I began receiving what I initially thought were rebate checks for the multitude of appliances, new cabinetry, countertops and more ; each check had a must be deposited by date, or ( presumably ) otherwise loose amount. In late XXXX I finally got around to addressing a pile of paperwork, and noticed my HD account balance was WAY too high, and not reflecting my extra payments which were wholly intended to have a XXXX balance by or before the 2 years/same as cash ; it dawned on me that the checks I was receiving were the exact amounts of the previous months deposit. I promptly contacted HD and thusly began a hellscape of referrals, requests for proof, denials of provided evidence, even as to this day I continue having my direct deposits to the CORRECT account NOT applied to the account, but instead returned, seemingly as though a Mafia grasp to have me stuck with the large balance with massively elevated interest. After multiple months of countless phone calls and mailed documents I was recently informed that XXXX coordinates HDs billing. I attempted reaching CitiBank and was repeatedly referred back to HD, who then referred me back to Citibank. Up to yesterday, I spent nearly XXXX hours on hold, transfers, then disconnections attempting to get some credible resource to help with this. I have repeatedly provided verification of transactions from my bank to HD, and repeatedly been told by HD I didnt provide verification of my statements.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95776
Submitted Via: Web
Date Sent: 2023-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-07
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: Hi, my name is XXXX XXXX and on XX/XX/XXXX I was the victim of a XXXX XXXX. I received a text and a link claiming to be the XXXX XXXX, saying that I needed to provide my XXXX XXXX and credit card number to purchase extra postage for a package that needed to be delivered. Later that day, XXXX purchases were made without my approval. My credit card called me because of the XXXX activity. The purchases were made in the states of XXXX and XXXX. I live in XXXX and have never been in either of those states. My credit card company 'initially ' reimbursed the charges, started an investigation and issued me a new card. However, on XX/XX/XXXX I received a letter from my credit card stating that after their investigation I was responsible for XXXX of the charges. The charge they investigated was for XXXX from XXXX XXXX XXXX. They sent me " proof '' of the receipt claiming that a " XXXX XXXX '' ordered the items online and picked them up in the store with a photo ID. He apparently gave the email XXXX and the address XXXX XXXX XXXX without a XXXX or a XXXX. ** I am not related to, nor do I know, anyone named XXXX XXXX! My address is actually XXXX XXXX XXXX 'XXXX XXXX XXXX XXXX XXXX XXXX. ' The other charge was from XXXX XXXX for $ XXXX charge is still " under investigation ''. I didn't make these charges, I didn't approve 'anyone ' else to use my card, and there is no " XXXX XXXX ''. They also informed me of 'conflicting ' informatoin pertaining to this package being both 'delivered ' to my address, but also 'picked up ' at a XXXX XXXX XXXX XXXX location somewhere unknown. It would seem to me that XXXX XXXX XXXX XXXX would have a video of this transaction which would clarify my case. * I want these charges dropped. The credit card company isn't doing enough to resolve my case and appear to be aloof and dismissive about my situation. I have filed a report with the local police as well today with XXXX XXXX XXXX of the XXXX XXXX XXXX XXXX Department ( Badge # XXXX - Case # XXXX ) Thank you so very much for your attention to this matter. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92672
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: 2023-11-07
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: XX/XX/XXXX opened the account and made a deposit, it was available XX/XX/XXXX. but then took back out of the account on the XXXX. and was closed and blocked for 10 days after this, i recieved the reference number via mail to open it back up. well i then made a deposit of a check which is in my grandmothers name but she was supppsed to be a authorized/joint account holder on my account which i made this update on XX/XX/XXXX shortly after opening the account. So i did this over the phone with a representive XXXX TO BE EXACT. Conversation lasted until XXXX and i was told it was added. ( the name ) So account was blocked from XXXX. I finally recieved card and pin number, and made a deposit they then closed it because it was a third party check. even with me emailing the power of attorney form they claimed they never recieved, so now im having issues with this and i shouldnt be i was told to call and verify that i made the deposit and then was gave the run arounds and was told my account was closed. i am not at fault for this and since i took all mecessary and legal steps for this i should not be having issues getting my funds if anything i should have the choice to close my account and get my check of the balance mailed to me. please get back to me asap this is so unprofessional and frustrating. thanks
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 293XX
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-08
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: XX/XX/. I went to XXXX XXXX XXXX XXXX in XXXX California, i wanted to insure my new car, after all the paper work they then asked for XXXX $ from my debit card, i gave the girl my debit card she swiped it, i pushed my pin number, IT GOT DECLINED. I checked my bank, WHY IS XXXX $ GONE, i tell the lady " no it went through '' and she said " no it didn't '' i requested a receipt but she could not give me a receipt for what out of thin air no purchase or anything she just couldn't i didn't purchase anything. I call my citi bank right there sitting down around XXXX and to this day the bank has ignored me, made me redo about XXXX claims like its going no where i just want my money back from the FRAUDULENT insurance place or the Loop hole master CITI BANK i didnt waste XXXX $ for no service and for fun please help i got my proof of declined receipt but they wont do anything just keep brushing it off there shoulder
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93313
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A