Date Received: 2023-11-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In regards to three accounts on the credit reportXXXX. XXXX, XXXX. XXXX XXXX. CITI CARD, In accordance with the fair credit reporting act, this creditor has violated my rights, under 15USC 1681 section 602 - states I have a right to privacy. Under 15USC Section 81 Section 604A section 2, It states that a consumer reporting agency can not reporting agency can not furnish a account without my written consent. Under 15USC Section 1666B A creditor may not treat a payment on a credit card under an open consumer account as late under any circumstances Thanks and best regards, XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33141
Submitted Via: Web
Date Sent: 2023-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-06
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I got an email yesterday my bank account went - {$20.00} for bank fee and I barely use Citi bank
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92505
Submitted Via: Web
Date Sent: 2023-11-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-06
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have written to the companies listed on this complaint, I have written to XXXX, XXXX, XXXX and levied complaints about these unknown transaction. I have sent certified letters that, That have been signed and verified with a notary public stamp and signature.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 712XX
Submitted Via: Web
Date Sent: 2023-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-06
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I have an online savings account with Citi Bank, Citi.COM and a credit card. I changed my phone number on Saturday, XX/XX/2023. I was not able to sign onto the website to change my phone number because the website would only text or call my old number that was no logner good to identify me. I couldn't recover using email. I called the credit card to change my number. They said to wait a couple days then retry. The system still didn't fix itself. I called back. The Credit Card said that it was the Bank with the Savings account that I needed to rectify and they transferred me. The agent had to verify my identity so I provided all my information. Then I was told that there was nothing they could do and they hung up on me leaving me locked out of my accounts. I filed a complaint with the XXXX XXXX XXXX Their response was that they would take 15 days to investigate. I called back and at least got an agent to send me a letter I could respond to, but that took about a week and a half. I called them to find that they triggered a fraud alert because I needed to call to update my new number on XX/XX/2023. They called my phone call, " suspicious ''. I called them today when I received the letter from the fraud department, XX/XX/2023, and was on the phone for approximately an hour to finally get access back to my account with the help of the customer service rep. Then I went to log back in later and I'm locked out again. I called and the rep told me that my number that was entered today is not eligible for online banking for 14 days. The nearest physical bank is 2 states away from my location- a 4-hour drive. So, I'm not able to manage my credit card. I don't know if there are suspicious charges to be disputed. This is going on a month because I needed to update my phone number.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 014XX
Submitted Via: Web
Date Sent: 2023-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-06
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: I called the number on the back of my credit card to find out what the exact date is that I entered into a contract with Citibank for the credit card. One representative said he can not see that information. When I asked to speak to a supervisor he would not transfer me to a supervisor and instead routed my call back to the beginning of the automated menu. The second time I called, the representative told me that he can not give me the information because it's private. I reminded him I verified my identity as the account holder as he requested yet he still would not provide me the information. I asked to speak with a supervisor. When the supervisor came on the line, he inquired why I wanted the information. I told him it was for my records and he said he could not give out that information. He could only tell me the year I entered into the contract. I asked for a letter to be sent to my home providing the exact date I entered into the contract and he ignored my request. Instead, he wanted me to guess a month and year and he can just say " yes '' or " no '' in response. This is unacceptable because I have a right to know the exact date I entered into a contract with a company. I should not have to play guessing games or even reveal why I want the information after I have already verified my ID as the account holder.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11210
Submitted Via: Web
Date Sent: 2023-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-06
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Dear CFPB, I have made attempts to call your office at the number listed online, ( XXXX ) XXXX ) and this is not a reachable phone number!! It sounds like it is disconnected. Therefore, I attempted to send you an update on my case ( complaint # XXXX ), but you had closed the case before I have received a resolution! The letter I received by email from CITI Executive Response Team ( Citi # XXXX ), advised they did not service the Sears Warranty and " deflected '' the problem by providing a phone number to me to call XXXX ( XXXX ) XXXX. I might add, a phone number I have already called repeatedly! They did not provide any assistance to me!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70127
Submitted Via: Web
Date Sent: 2023-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-06
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XX/XX/23, we sent a payment {$1000.00} to homdepot credit card services accidently by using XXXX bill pay. Our homedepot card was closed. We have filed claim through our bank but it got reversed. They suggested us to contact hone depot for the return of funds. We have faxed and mailed them multiple times and received returned from XXXX. We called XXXX credit card services and Citibank credit card on behalf of homedepot, but there were no one willing to help us to get our {$1000.00} back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43017
Submitted Via: Web
Date Sent: 2023-11-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-06
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I have been a Citibank customer for several months, and to my dismay, my account was recently closed without any prior notification. Despite my persistent attempts to obtain an update on my account, I have yet to receive any response, leaving me in a state of confusion and uncertainty. On XX/XX/2023, I contacted Citibank 's customer service department, and I was informed that I would receive a call within 24-48 hours regarding the status of my account. However, to date, no one has reached out to me. Subsequently, on XX/XX/2023, I followed up on my initial inquiry, and a representative informed me that they had opened a case as per my request and that I would receive a callback within two days. I have been assigned a case number XXXX, and the email for the Executive Response Unit is citieru@citi.com. I have made several attempts to request a check with my account balance, but these requests have been repeatedly denied. On XX/XX/2023, I received an email stating that my request was denied again to expedite the case. This situation is of grave concern as it could lead to severe consequences such as expulsion from school, loss of housing, and repossession of my vehicle. Therefore, I urgently require the assistance of a senior executive to address this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30331
Submitted Via: Web
Date Sent: 2023-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-06
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I received an email dated XX/XX/23 at XXXX XXXX to XXXX from XXXX XXXX XXXX XXXX stating that my current balance was {$100.00}. I called Best Buy XXXX to inquire what this charge was for. Answer was that if I didn't renew membership then this is a bogus email. I haven't renewed membership -- their agent says I'm not a member. the only charges are {$49.00} and {$170.00} and this is neither. I also received an email dated XX/XX/23 at XXXX XXXX from XXXX saying I have {$3800.00} available credit as of XX/XX/23. This is making me uncomfortable as I haven't used this credit card for months.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VT
Zip: 050XX
Submitted Via: Web
Date Sent: 2023-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-04
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Citi made an error on my XX/XX/XXXX statement. On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I made payments greater than the minimum payment due totaling {$7400.00}. Citi mistakenly applied these payments to the balance with the lower APR instead of the balance with the higher APR as required by law under the CREDIT CARD ACCOUNTABILITY RESPONSIBILITY AND DISCLOSURE ACT OF 2009 - TITLE 1 - SEC. 104. APPLICATION OF CARD PAYMENTS. SEC 104 covers SEC 164 of the Truth In Lending Act ( 15 U.S.C 1666c ). Sec 164 ( b ) ( 1 ) IN GENERAL.Upon receipt of a payment from a card-holder, the card issuer shall apply amounts in excess of the minimum payment amount first to the card balance bearing the highest rate of interest, and then to each successive balance bearing the next highest rate of interest, until the payment is exhausted. '' The payment section of Citi 's Credit Card Agreement includes the same language : " If you pay more than the Minimum Payment Due, we'll apply the amount over the Minimum Payment Due first to the highest APR, then to the balance with the next higher APR ... '' Attached is my XXXX and XX/XX/XXXX statements. The Interest charge calculation section of the XXXX statement clearly states that the Balance Transfer Rate ( of 0.99 % ) expired on XX/XX/XXXX. It shows that the balance ( BalTrnOffer XXXX ) was {$7100.00}. The XXXX statement shows that the new Balance Transfer Rate ( BalTrnOffer XXXX ) APR is 19.24 % and the Flex loan APR is 6.99 %. It shows the payments made on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX totaling {$7400.00}. These payments were applied to the Flex loan balance at 6.99 % instead of the BalTrnOffer 6 balance at 19.24 %. The payments should have reduced the BalTrnOffer XXXX balance to XXXX but it instead went to {$7100.00}. Note that Citi charged 19.24 % interest on the BalTrnOffer XXXX balance of {$7000.00} through the month of XXXX while during the same period did not apply the payments according to the higher interest rate. I called Citi Customer Service about this problem on XX/XX/XXXX after receiving my XX/XX/XXXX statement. The agent said she would have someone look into it and to call back. I called Customer Service on XX/XX/XXXX. The agent said that they use the APR from the previous month to determine the payment allocation. Given the results on my XXXX statement it is apparent that the software that creates the monthly statements also uses the XXXX from the previous month to allocated the payments. ( But not to calculate the interest amount that the customer must pay ). I sent an demand letter ( attached ) to Citi at XXXX XXXX XXXX XXXX XXXX, SD XXXX on XX/XX/XXXX with the request to have the payment allocation corrected. I have not received a response as of XX/XX/XXXX. The practice of using the expired APR from the previous month is not mentioned anywhere Citi 's card agreement. Using the expired APR from the previous month is a violation of the law as defined in the Section 164 of the Truth In Lending Act. I am requesting that Citi correct my statement balance in accordance with the Citi card agreement and federal law.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 24153
Submitted Via: Web
Date Sent: 2023-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A