Date Received: 2023-10-30
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 a SERIES OF UNAUTHORIZED PURCHASES WERE MADE ON MY BEST BUY VISA CREDIT CARD. I GOT IMMEDIATE NOTIFICATION AFTER AN INITIAL CHARGE OF {$1400.00} followed by an unauthorized charge of {$510.00} was made. I immediately contacted Best Buy Visa to close the account as this is my only credit card, which does not have a capability to lock the credit card. The credit card sent me a vague notification on XX/XX/XXXX that they are looking into the on unauthorized purchases. On XX/XX/XXXX, I called up Best Buy Visa credit card to let them know that the unauthorized CHARGES ARE STILL POSTED ON MY CREDIT CARD ACCOUNT AND I HAVE NOT RECEIVED A TEMPORARY CREDIT WHILE THE INVESTIGATION IS TAKING PLACE. THE AGENT MENTIONED THAT A CREDIT WAS POSTED ON XX/XX/XXXX, HOWEVER, I DON'T SEE IT ON MY ACCOUNT. IT IS NOW XX/XX/XXXX AND I STILL HAVE THESE UNAUTHORIZED CHARGES ON MY ACCOUNT AND I FEEL THAT BEST BUY VISA CARD IS NOT DOING ENOUGH TO COMPLETE THIS INVESTIGATION RESPONSIBLY AND IN A TIMELY FASHION. They claim that I am not responsible for unauthorized purchases, especially in a credit card that can not be locked to prevent unauthorized transactions. I would really appreciate the collaboration and participation of the consumer financial protection bureau to investigate Best Buy visa and verify that they are fulfilling their responsibility and promise towards these unauthorized transactions. I am happy to furnish any documentation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10019
Submitted Via: Web
Date Sent: 2023-11-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-30
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Normal Macy 's store bills for XXXX XXXX Account : XXXX ( Department Stores National Bank )? XXXX XXXX bill for {$70.00} -This was paid for and cashed by Macy 's XXXX XXXX XXXX XXXXWas paid on time by XXXX XXXX XXXXXXXX Confirmation XXXX XXXX XXXX XXXX bill for {$40.00} -This was paid for and cashed by Macy 's XX/XX/ -Was paid on time by XXXX XXXX XXXXXXXX Confirmation : XXXX Despite being contacted and sent indisputable evidence of " on time '' payments from XXXX XXXX XXXX to Macy 's, they repeatedly maintained XXXX that the bills were not paid. They eventually send their stupid claim to XXXX XXXX XXXX XXXX for debt collection : ( Radius Reference Number : XXXX ) who appear to have treated this as a real debt.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33322
Submitted Via: Web
Date Sent: 2023-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-30
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: purchased a grave XXXX flag in XX/XX/XXXX from XXXX XXXX. I never received a bill or any email from them till maybe XX/XX/XXXX with late fees and interest charges. I contacted the company since i had forgotten about this charge and explained what happened. I paid my purchase amount but they refuse to drop the late fees or interest charges. I have contacted the credit card company citi card to no avail. I am XXXX yrs old and feel i am being taken advantage of from this company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22655
Submitted Via: Web
Date Sent: 2023-11-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-30
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 made 2 separate charges on my Citi bank card. One for XXXX and another for XXXX I canceled the purchases within hours of the purchase. The items were never shipped to me and the vendor did not dispute the charges yet Citi bank will not permanently credit my account and are charging me interest
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32164
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-30
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Ref : missing paper statements and no answer from Citibank This is the second time I am writing to the CFPB regarding missing monthly paper statements from Citibank. I expect Citibank to deliver my monthly paper statements, and to deliver them in a timely manner. A year ago I filed a complaint ( attached ) and since then I have received three statements instead of twelve, with a 2-3 months delay. The last one I received on XX/XX/XXXX, for the settlement period ending XX/XX/XXXX, which is 3 months late. Citibank does not fulfill its obligation to deliver the statements, moreover to deliver them in a promptly manner. FYI, the letters sent via the XXXX go XXXX weeks from the US to XXXX, and letters mailed within XXXX go XXXX working days. Citibank Client Services provides customer account services for Citibank , N.A., offering both paper and electronic statements, and I prefer paper ones. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- A YEAR AGO - attachement XXXX, XXXX XX/XX/XXXX CFPB Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX DC XXXX XXXX COMPLAINT Ref : missing paper statements and no answer from Citibank. I have been not receiving my monthly paper statements of Citibank , N.A . since XX/XX/XXXX. I expect Citibank to answer my complaint and to deliver my paper statements in a timely manner. Citibank Client Services provides customer account services for Citibank , N.A., offering both paper and electronic statements, and I prefer paper ones. I have not received an answer from the Citibank Client Services, to my complaint sent on XX/XX/XXXX, i.e. four and a half months ago. I have written : Please mail them to me ( the missing statements ). Please be advised, that in case of errors or questions, my inquiries may be several months late. Furthermore, your three-month delay is not the fulfillment of your obligation to provide monthly statements. Instead, the letters sent by the XXXX go XXXX weeks, from the US to XXXX, and ordinary letters mailed in XXXX go 2 working days. Previously, after almost 3 months I did receive the statement for the period ending XX/XX/XXXX. Only after 3 and a half months for the period ending XX/XX/XXXX, and here the adhesive sticker on the original Citi envelope says ( translated into English ) : SENDER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), ( private entity ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Postal Service, equivalent to the XXXX ) Posted from : XXXX ( XXXX ) Posted on : XX/XX/XXXX I received this statement on XX/XX/XXXX. I expect Citibank to answer my complaint and to deliver my paper statements in a timely manner.
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: 2023-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-30
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: Order # XXXX I purchased a 2 piece suit from Macy 's online on XX/XX/XXXX for {$110.00}. Upon receipt, I discovered that the company only sent a jacket and no pants. I contacted Macy 's and informed them. They stated that they would send a replacement and also send a separate return label to return the original item. I waited for several weeks and to date I have not received the label or the replacement. On XX/XX/, I visited a Macy 's store to return other items. On that day, Macy 's Online indicated to me and the store clerk that they processed the return under Order # XXXX and that I should leave the item at the store. The store processed what they called a XXXX return, which means that they took the merchandise but did not issue a credit since the Macy 's Online representative confirmed that he processed the return and that I would receive the {$110.00} in two business days. As of XX/XX/XXXX, I had not received the refund and I returned to the store. Three store clerks spoke to Macy 's online representatives in an effort to assist me in getting the refund. A Macy 's store clerk listened and confirmed that they processed the refund and even provided me with a confirmation number # XXXX. On XX/XX/, I called Macy 's Online to see why the refund has not been issued. The Macy 's Online clerk indicated that my refund was not processed and she does not why. I paid for merchandise that I never received in full and I returned the partially received merchandise without being fully refunded for returning the merchandise in which Macy 's accepted.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 071XX
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-30
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XXXX XXXX I attempted to exchange {$200.00} for XXXX pesos at Citibank at XXXX XXXX XXXX XXXX XXXX # XXXX None were available. I was to return the next day, XXXX XXXX, at which time I received an envelope with XXXX pesos, an appropriate amount. When I tried to use XXXX XXXX peso or XXXX XXXX peso notes in XXXX XXXX on my arrival on XXXX XXXX I was told by several merchants including my hotel that they were counterfeit. The reference # is XXXX # XXXX for Citi 's receipt of funds and customer confirmation. These funds were shipped by XXXX overnight to the branch XXXX. I am in possession of the counterfeit notes. I have not approached Citibank at this time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10011
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-30
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Balance transfer/payment from from my XXXX credit card of {$3000.00} was sent to my Citi Card credit card. They have stated multiple times that my check was never received or cash, but my XXXX credit card is stating Citi received and cash check.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 99352
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-30
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Wayfair Mastercard TURNED OFF ALL MY AUTO ALERTS WITHOUT NOTIFYING ME, THEN CHARGED ME A BUNCH OF FEES. On the evening of XX/XX/XXXX, I logged onto my Wayfair Mastercard online account to find that I had been charged both a late fee of {$29.00} and an over the limit fee of {$72.00}. I had always made my payments on time since acquiring the credit card account since XXXX, and found it odd that I was not sent any alerts prior to the fees. Among my automate notification settings, I had set my alerts to notify me if I was within a certain days of the payment due date, as well as an alert if I were within a certain amount of my credit limit. When I checked my alert and notification settings, however, I discovered that all of my automated alerts had been turned off. I had never asked for them to be turned off nor did I turn them off myself. The payment due date was on XX/XX/XXXX, and I had received zero alerts prior to or after the XXXX. I only found out because I logged onto my online account. I tried calling customer service immediately on the evening of XX/XX/XXXX, but an automated message notified me that their customer service lines were closed despite Wayfair Mastercard indicating on their website that their customer service is available 24/7. I scheduled an online payment of {$650.00} to be charged from my checking account immediately as I did not want to be charged any more fees or have my credit rating damaged. I would have been able to make the payment on time had my alerts stayed on and intact. Again, I had never turned off or asked to turn off any of my alerts, and no one had notified me that all my alerts had been turned off. I called again on XX/XX/XXXX and spoke with a customer service representative to ask to have both my late payment fee of {$29.00} and over the limit fee of {$72.00} voided and credited back to my account. The customer service rep agreed to do so, and I verified three separate times that my account would be credited back, and the customer service rep confirmed. Instead of my account being credited for the fees, however, {$170.00} was charged to my account. I never asked to make another payment, and the rep was well aware that I had already scheduled an online payment in the amount of {$650.00}. I called again immediately following my first call and connected with a second customer service rep. After listening to my complaint, she informed me that the late payment charge of {$29.00} had already been waived and that she could also cancel the {$170.00} payment that I had never asked for, but that she could not void the over the limit fee of {$72.00}. I asked her to explain why my alerts had been completely turned off, and to connect me to someone who could answer my question if she could not. After a hold, she informed me that she could not find the answer. I asked to speak to her manager. Once connected with the manager, I explained my situation once again. The manager 's answer was the same : that he did not know why my alerts had been turned off and that the over the limit fee of {$72.00} could not be credited back to my account. Instead of trying to assist me with my complaint, the manager ended the call attempting to set up my account for auto payment withdrawals from my checking account, and then tried to process yet another payment from my checking account once again. Moving beyond my own case, I would find it only fair that Wayfair Mastercard gets assessed a penalty for predatory behaviors that burden the consumer not only with unfair charges, but saps them of their time, and causing undeserved stress and frustration. I ask that the CFPB and/or other appropriate regulatory agencies look into the matter of how often Wayfair Mastercard engages in turning off, without the customers ' knowledge, their auto alerts and notifications, and how often this results in customers being charged fees, and why customers are denied a refund when this happens.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ME
Zip: 04103
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-30
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Citi bank closed my account and I asked when will take me close check they reply after min 30 days however I need my money as soon as possible due to I have financial crisis and need it for emergency
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92806
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A