Date Received: 2024-02-27
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Please see attached : 1. Charges on my account were fraudulent confirmed by citi 2. why citi issued me 1099-C {$2800.00} which considered as debt discharged under CREDIT CARD LOAN? WHERE IS THE LOGIC?! XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92782
Submitted Via: Web
Date Sent: 2024-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-27
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I opened a Mastercard account with Citi about 6 years ago. I rarely used the account as it was only to access specific concerts/events for my wife. About 6 months ago fraudulent activity was encountered ( someone called in a changed billing address ) and an entry-level attempt was made by another user to charge against the account. I wanted to close the account in XXXX of this year, but the Citi agent said " it would be better '' to issue a new credit card. Yesterday, a fraudulent charge of {$460.00} was placed against my card. I attempted to log in - the password had been changed. When I attempted to change the password, the phone number for verifying the change had, itself, been changed. I called into Citi and discovered that my home address had also been changed. I immediately attempted to close the account - and directed that any on-line access be terminated. I requested a confirmation of all of this, along with a statement that the account had no active balance. Citi has not confirmed any of this. At present, Citi is not extending a good faith effort to protect my PII.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28205
Submitted Via: Web
Date Sent: 2024-02-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-27
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: XX/XX/2023 : XXXX XXXX XXXX Account Opened. XX/XX/2023 : {$4500.00} deposited from XXXX. XX/XX/2023 : {$240.00} deposited from XXXX. XX/XX/2023 : Contacted XXXX regarding inability to log into account, received email stating account is frozen. XX/XX/2023 : Contacted XXXX to inquire about email stating account closure; informed a letter explaining closure would be sent in XXXX days. XX/XX/2023 : Contacted XXXX about receiving a {$200.00} check without further explanation ; directed to wait for information from another department. XX/XX/2023 : Contacted XXXX for account status and remaining balance; informed the back office couldn't provide details, awaited letter in mail. XX/XX/2023 : Contacted XXXX to question account closure; informed it was being handled by the fraud department. XX/XX/2023 : Contacted XXXX for account status ; directed to a different department with no answers. XX/XX/2023 : Contacted XXXX regarding account closure; informed it was with the fraud department, and an email was sent to the back office. XX/XX/2023 : Contacted XXXX for account status ; no information provided, referred to back office for closure details. XX/XX/2023 : Contacted XXXX to inquire about account status; informed it was still in the back office, not closed. XX/XX/2023 : Contacted XXXX to determine account closure and remaining balance ; informed closure was on XX/XX/2023, and remaining balance would be sent to chosen address. XX/XX/2023 : Contacted XXXX to follow up on remaining balance; informed a check was sent to the provided address, expected arrival in 30-60 days, but no check arrived. XX/XX/2023 : Contacted XXXX to request a new check and explanation for account closure ; directed to call the fraud department and escalate the matter via email. XX/XX/2023 : Contacted XXXX to request email and documents showing conversations and requests; informed they couldn't provide virtual documentation, but a letter would be sent. Requested callback from back office and sent an email for escalation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 74008
Submitted Via: Web
Date Sent: 2024-02-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-27
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: Late last year, I decided to take action to reduce my credit card debt and shopped for a good balance transfer card option on XXXXXXXX XXXX website. I was matched with a Citi Diamond Preferred card ( https : //www.citi.comXXXX XXXX XXXX XXXX XXXX XXXX ). I applied and was accepted. Upon receipt of the card, I called to ask about the balance transfer and was told I had to wait 30 days and to call back. I started a new job and it was the holidays I just now got back to calling them back to get that process underway. I am now told the offer is no longer available and expired. I can no longer do a balance transfer on my new credit card because had I clicked on the superscript 1 on the link and scrolled down the pages to the fine print it would have told me that. Of course, when I initially called to do this, I was not told I had to call back within a specific timeframe. Their answer was to apply for ANOTHER new credit card. I don't want another credit card. I only got this card to try to manage my credit better and applying for yet another card is a step in the wrong direction.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 223XX
Submitted Via: Web
Date Sent: 2024-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-27
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am writing to a file a complaint regarding charge-offs listed on my credit report. These charge offs should be removed from my credit report and any associated negative impact on my credit report. XXXX XXXX XXXX XXXXXXXX the account was closed on XX/XX/XXXX the debt is {$4000.00} and was charged off as a bad debt and canceled by credit grantor, Amex/ Citi , N.A closed on XXXX XXXX charged off as a bad debt and canceled by credit grantor, the debt is {$2500.00}, XXXX XXXX XXXX XXXX closed XX/XX/XXXX charged off as a bad debt Profit and loss write off the debt {$14000.00}, XXXX XXXX XXXX XXXX closed XX/XX/XXXX canceled by credit grantor, the debt is XXXX. I was not provided with a form 1099-C for the canceled debt, which is mandatory under IRS regulations . This further complicates the situation and highlights the need for a thorough investigation into the accuracy of the reported charge-offs. I am seeking the removal of the charge-offs and any associated negative impact on my credit score.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77077
Submitted Via: Web
Date Sent: 2024-02-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-28
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Citibank routinely does not alert customers online as to pending payments on their checking account. Other major bank alert customers online in a reliable manner showing pending payment transactions. This allows customers to deposit funds to cover any pending payments. Citibank does this intentionally so that they can charge overdraft fees. I was charged {$70.00} in overdraft fees as a result of these deceptive practices.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92704
Submitted Via: Web
Date Sent: 2024-02-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-27
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I never gave this company permissible permission to use my information or run my credit or put it on my credit report. I dont know what the Hecks going on.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92882
Submitted Via: Web
Date Sent: 2024-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-27
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/2023, I ordered a XXXX reformer from XXXX XXXX XXXX. I canceled that order three days later and was charged a {$150.00} cancellation fee. I was also charged {$55.00} for shipping but was reimbursed that amount because nothing ever shipped. The merchant provided a screenshot to my credit card company of my shipping address. They did not provide a tracking number or proof of delivery. My credit card company informed me that I submitted information beyond the deadline to resolve this dispute even though Ive been emailing and calling them weekly since XX/XX/2023. I supplied them numerous times with the information they asked for.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48503
Submitted Via: Web
Date Sent: 2024-02-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-26
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 received an email that Best Buy visa card has not recieved my payment and my account is past due. My account has always been set up for auto pay but they failed to take their payment and charged me a late fee because of it. I immediately called the company to find out what is going on, as I had the exact same problem with them a couple months ago when the failed to take their auto pay but did not and they charged me a late fee. The first time it happened they credited the late fee but the second time they refused to credit the late fee. The reason there was a balance on my account was because they charged a late fee which I should never have been charged in the first place because my account is set up for auto pay. Since they refused to credit my account, I told them fine, I'm closing the account and I am not paying their late fee which should never have been charged in the first place. They confirmed that my account is indeed set up for auto pay but they could not explain why they failed to take their payment, this is not my fault it is theirs and this is a very unscrupulous business practice. This is the 3rd time I'm having to complain about this company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: HI
Zip: 96815
Submitted Via: Web
Date Sent: 2024-02-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-26
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/XXXX, I alerted citibank that XXXX unauthorized amounts were withdrawn from my bank account : {$430.00} for XXXX {$70.00} for XXXX {$10.00} for XXXX I DID not authorize these amounts and they are not my charges. Citibank informed me that it would take 10 days to receive a credit, then they changed their story to I need to " wait for a letter ''. I never received any letters. I spoke to someone again on XX/XX/XXXX and they told me on XX/XX/XXXX to reach out and if no letters arrived, I would be given a provisional credit of my money. Today, XX/XX/XXXX, I called them back and they said that the claim had been closed, the bank determined none of my money was taken, and that I wont be receiving a credit. I am missing {$510.00} from my Citibank debit account at this moment. I don't know why they are claiming that it wasn't taken from my account when I have told them these charges were not mine, but this is where we are.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11552
Submitted Via: Web
Date Sent: 2024-02-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A