Date Received: 2023-11-05
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I had a promotional deferred interest balance on my Home Depot card. Home Depot 's online payment system allows you to select balances to apply your payments to. On XX/XX/XXXX I removed the promotional balance selected, which should have applied the payment to the revolving interest bearing balance. On XX/XX/XXXX I made a payment of {$200.00}. The payment was still applied to the promotional balance as it was expiring at the end of XXXX. On XX/XX/XXXX I called regarding a damaged item and tried to change the payment to apply it to the revolving balance. The representative stated the system would not allow this because the promotion was ending within 60 days and all payments must be applied to the promotional balance. On XX/XX/XXXX I selected the promotional balance and made a payment to the promotional balance, which the system showed was applied as I intended. On XX/XX/XXXX I paid the remaining promotional balance. On XX/XX/XXXX I confirmed that the promotional balance showed {$0.00} and removed the promotional balance selection so future payments would be applied to the revolving balance. On XX/XX/XXXX I made a payment of {$200.00} toward the revolving balance. On XX/XX/XXXX I confirmed the revolving balance and promotional balance showed {$0.00} and changed my selection to apply payments to a XXXX deferred interest promotion. When I got my statement it showed the deferred interest being assed with about a {$200.00} balance on my promotional ( now expired ) balance. My revolving balance was unpaid and XXXX XXXX promotional balance was paid off and another XXXX balance was partially paid. I called Home Depot, explained the issue, and was told I needed to pay my bill. I informed the first caller that Home Depot was in violation of XXXX XXXX XXXX for not applying my payments as offered by them and selected by myself and for not applying payments to the expiring balance, which the representative told me in XXXX was required. I requested a supervisor and explained the same information. The supervisor did not have an answer as to why the system applied the payments differently when the statement was issued. I was credited the interest charged ( over {$3000.00} ) and was told my complaint would be escalated for review. I told the supervisor I wanted an answer as to why their system is violating the XXXX and direction for call center staff to escalate issues instead of simply telling customers to pay their bills. After a few weeks, I received a letter from XXXX XXXXHome Depot that simply started they reviewed my complaint and found no evidence of discrimination. My complaint didn't mention discrimination at all, it was regarding illegal practices. During the call I informed Home Depot that I would be reporting the incident if they did not address the issue as XXXX XXXX and Home Depot have a history of dishonest practices and have been sued regarding their promotional programs. It's clear they have no interest in changing and I'm concerned many other customers don't call to correct these issues and if they do, they may not be forceful enough to have the issues corrected. I can't imagine how many thousands of dollars they have received because they are not applying their payments and promotions correctly. I also had two previous promotional balance that were applied with different terms, which was corrected when I called after reviewing my statement. But, how many costumers do not review the statement and assume the agreement they entered into would just be reflected correctly on their accounts?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32505
Submitted Via: Web
Date Sent: 2023-11-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-05
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I found out this year that I'll get a wage garnishment, I did not know it was for a credit card, i thought it was for my child support. So they took money from my work, then they took money from my bank. They won the judgment to small claims in XXXX county Nebraska and the judgement does not usually go beyond XXXX dollars. They took XXXX dollars total in wage garnishment, then they took money from my bank worth XXXX on my one account then XXXX which total to {$4100.00}. This is not justifiable. I do not know if I owe this money to begin with since I was out of the country when the judgment was made. XXXX XXXX is outrageous and unreasonable and taking more money and will not stop taking.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NE
Zip: 681XX
Submitted Via: Web
Date Sent: 2023-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-05
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: You have all the previous complaints. As said above I asked the bank for reimbursement of money spent contacting them by long distance phone and also compensation for the difficulties it caused me by not having access to {$21000.00} of my funds and having my account closed and having to change my regular pension direct deposits which took a couple of months. All of this was the bank 's incompetent handling of my situation caused by them and they did not apologise nor give a reason for denying me reimbursement and compensation. When pressed they said the bank doesn't do that. Surely they should be accountable for their error which caused me great XXXX and difficulty.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-05
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: Re : New XXXX Card Account Without My Knowledge On XX/XX/XXXX and also a day or XXXX previous, XXXX I called my Citi XXXX ( XXXX ) and wanted an additional card for my daughter ( on my existing credit card ). Both days the representative said they needed my daughters SSN and address and I balked, asking why do you need this information when I am responsible? No answer given. I gave them the information because I thought that was the procedure to add another card holder to my own account. A few days later, a new Citi credit card was sent to my daughters address which included a XXXX card for her and me and I learned that she was the major card holder! This is fraud and adds up to the necessity for these banks to add new customers to brag to their XXXX and XXXX XXXX XXXX. I finally threatened them with closure of my account and they sent me a credit card with my XXXX name on it. Then I wanted to close the fraudulent account ( I never activated the cards ) and to make it difficult to close the account, they said they needed to talk to the primary card holder!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07960
Submitted Via: Web
Date Sent: 2023-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-05
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Dont recognize requested removal : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: IA
Zip: 528XX
Submitted Via: Web
Date Sent: 2023-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-05
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: CitiBank has caused me significant distress, inconvenience, and financial losses due to the trauma caused by not sending my remaining account balance after closing it. Below are some details : I opened my account in XX/XX/XXXX. On XX/XX/XXXX, I deposited {$75000.00} from my XXXX XXXX XXXX account, which serves as my primary and salary deposit account. I received a signup bonus, which I eventually had to pay taxes on in my XXXX tax return, including the earned bonus and interest. I needed the money, so I transferred {$25000.00} and {$25000.00} back to my XXXX XXXX XXXX primary account, in accordance with the transfer limits, requested on XX/XX/XXXX. All proofs of these transactions will be attached in this complaint. After the transfers, CitiBank locked me out of my online access. I was able to call customer service and have XXXX, XXXX, and XXXX checks sent to my home address, which I successfully deposited later. I intended to keep {$1500.00} in my CitiBank account to avoid maintenance fees and use CitiBank for my future banking needs. I made numerous calls to CitiBank to regain access to my online banking, but they flagged my account for fraudulent activity without a clear reason. I endured many stressful calls, with each department transferring me to another, none able to unfreeze my account. XX/XX/XXXX, I got an email saying that my account is closed in 60 days, and the email clearly states, " we will send any funds belonging to you to this address, once the account is closed. '' When I called the customer service, they said after the account is closed I will receive my funds in XXXX to 90 days. I patiently waited for my account to be closed and several more months for the remaining {$1500.00} funds check to be sent to my home address. During this period, I experienced significant mental trauma and personal losses due to my inability to focus and the suffering I endured. I lost a considerable amount of time dealing with this issue. I hope I get this resolved and get my remaining funds sent, otherwise as I was recommended to go with other ways like approaching a lawyer, who can get my money back and can help get compensation for the personal losses incurred due to the mental trauma, and CitiBank will be responsible to pay the court and lawyer fees. But for immediate action if this is not quickly resolved, I am prepared to take further actions to seek resolution and justice. Will start sending emails Citi ERU. Will continue by raise complaints at XXXX XXXX XXXX of XXXX XXXX website OCC, FIDC, FBR, NCUA, CSBS XXXX XXXX / XXXX / XXXX XXXX gov / file.a.complaint Didn't expect this banking experience would become so miserable. I sincerely hope that this matter can be resolved promptly, and I can recover the remaining funds from my CitiBank account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27540
Submitted Via: Web
Date Sent: 2023-11-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-05
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I started getting credit card statements in someone's else 's name at my address. It is a Sears card through Citi. I have been returning to sender with " person not at this address ''. I also received a letter indicating that replacement cards are being issued and will be sent to my address. I have spent 2 days and called about XXXX different XXXX # 's to try and get a live person on the phone. All you get is the " Speech enabled system ''. I tried calling the corporate office phone # listed on the internet for Citigroup and got someone but she was in public affairs. The fraud phone # that is provided puts you in this same " speech enabled system '' which is comforting to say the least in the case of fraudulent activity. I do not have a Sears card and I question whether there has been identity theft here or just a strange " clerical '' issue though I can't believe the person did not know their address. I am seeing that I am not the only one having issues with the Citi Sears card as there are many inquiries from people on how to reach a LIVE person for Citi and/or Sears card . This has been maddening. I need to get this resolved and get assurances that there has been no identity theft.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07960
Submitted Via: Web
Date Sent: 2023-11-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-05
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 noticed a charge on my credit card for {$68.00} dated XX/XX/2023 to a company in XXXX XXXX. I've never been to XXXX and it was clear to me that this was a fraudulent charge. I opened a billing dispute with Citi on XX/XX/XXXX stating that I didn't recognize the charge or the merchant and requested a refund of the charge. According to the timeline provided by Citi, they contacted the merchant on XX/XX/XXXX and gave them 30 days to provide proof of the charge being legitimate. On XX/XX/XXXX the merchant responded with some kind of record of an electronic charge. On XX/XX/XXXX Citi notified me that they had determined the charge was legitimate and I was responsible. However, looking at the information provided by the merchant, someone named " XXXX XXXX '' with the email address " XXXX '' made the charge in XXXX, XXXX. That is not my name, not an email associated with me, and I've never been to XXXX and don't know anyone there. It's very clear to me that this is a fraudulent charge and I'm not sure how Citi could have determined it's " legitimate '' when it's clearly fraud.
Company Response:
State: CA
Zip: 90025
Submitted Via: Web
Date Sent: 2023-11-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-05
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/, I received a text alert at XXXXXXXX XXXX : Free My Best Buy Citi Fraud Msg. Card XXXX Did you attempt a charge at XXXX XXXX on XXXX? XXXX, XXXX. Reply STOP to Opt-Out. I immediately texted 2 for NO. Then, I received another message from the same source thanking me for the response and providing the number for a Fraud Dispute. I then spoke to 2 separate representatives indicating VERY CLEARLY that I was at home and had not used the card for any purchases. Now, the fact that Best Buy TEXTED and CALLED the same exact night CLEARLY indicates that they suspected fraudulent activity. Their representative told me that there had been a fraudulent purchase online at Best Buy on XX/XX/ for {$1200.00} and 2 fraudulent purchases at a XXXX, one for {$100.00} The fact is that Best Buy knew something fraudulent was occurring. That is why they contacted me! I spoke to their representative on XX/XX/. A woman named XXXX flippantly informed me that she did not have any of the information from the previous phone calls, which Best Buy ALWAYS INDICATEs ARE RECORDED. I asked her why she was calling me if she did not have all the information. Why would a representative from Best Buy call me without having all available information regarding this issue?! She then told me that she had heard the previous recorded conversations I had with the Best Buy representative and told me that she cringed when she heard them say to me that the major fraudulent purchase was made online because, according to " XXXX, '' that information was not true. So, I WAS LIED TO REPEATEDLY BY BEST BUY REPRESENTATIVES/CUSTOMER SERVICE! First, " XXXX '' told me that she did not have this information. Then, she told me that she had heard the recorded conversation and cringed because the Best Buy representative lied to me about the fraudulent purchase. Then she said that I had to find out who committed the fraudulent purchase! So, the Best Buy representatives lied to me, tell me I have to pay your bank money for something I DID NOT purchase, and then told me that I am the one with the obligation of figuring out what happened. They have not even provided a receipt for the alleged transaction! Now, Best Buy is accusing me of fraudulent activity that this company knew was occurring by contacting me at the moment it was occurring! Best Buy is accusing me of theft. So, they need to file a police report, or get search warrants, or obtain video footage of the fraudulent purchase or do all of the above before calling me with twisted explanations in which Best Buy own representatives discredit each other and say they are lying. At the very least, they should provide proof with an actual receipt of the major transaction! Best Buy needs to prove that I charged this card on XX/XX/ and on XX/XX/ before calling me to accuse me of lying and stating that Best Buy wants me to pay them {$1200.00} for the fraudulent transaction on XX/XX/ and {$100.00} for the fraudulent transaction on XX/XX/XXXX. What in the world makes Best Buy think that this company can just call people and tell them to pay Best Buy money for something the credit card holder didnt buy?! If Best Buy makes me GIVE them money- over a XXXX dollars - then, they probably commit this fraud with others, with anyone Best Buy wants to cheat out of money. The issue now is a matter of SOCIAL POLICY and extortion committed by Best Buy that could amount to millions! I do not have documents to attach because Best Buy has not produced a receipt for these transactions. All I have are the charges on my credit card statement.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92336
Submitted Via: Web
Date Sent: 2023-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-06
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I requested Citibank to remove fraudulent charges on account XXXX. They sent an email but it is not resolved. The credit agencies and reporting delinquent payments and it is affecting my credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77057
Submitted Via: Web
Date Sent: 2023-11-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A