Date Received: 2023-10-20
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 am writing to file a formal complaint against Citibank regarding their handling of a credit card dispute that has been ongoing for more than 2 months. Despite providing ample documentation and evidence to support my case, Citibank has continuously ignored my efforts to resolve this matter and has taken no meaningful steps to investigate or address the dispute in a fair and timely manner. Dispute Reference Number : XXXX Background Information : I have been a loyal Citibank customer for 12 years and have always maintained a good payment history. However, my recent experience with Citibank 's credit card dispute resolution process has been extremely frustrating and disappointing. Issues and Concerns : Despite providing clear and compelling evidence to support my dispute, Citibank has not taken any meaningful steps to investigate or address the issue. Citibank has ignored the all the documentation that I provided. They failed to look into the evidence correctly. Instead, they rushed with their decision, and did so unproffesionally and incompetently. Requested Actions : I kindly request the Consumer Financial Protection Bureau to investigate my complaint and take the following actions : 1. Initiate a thorough investigation into Citibank 's handling of my credit card dispute, ensuring that all provided documentation and evidence are reviewed and considered. 2. Require Citibank to provide a detailed response to my dispute, outlining the results of their investigation and a clear resolution to the issue. Ensure that Citibank takes immediate steps to correct any inaccuracies on my credit report resulting from this dispute. If Citibank is found to be in violation of any applicable laws or regulations, take appropriate enforcement action to hold them accountable. I appreciate your attention to this matter and request your prompt assistance in resolving this dispute. Your intervention is crucial in ensuring a fair and just resolution. Thank you for your time and consideration.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98072
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-19
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 Case # XXXX On XX/XX/XXXX at XXXX someone made an unauthorized purchase on my Best Buy credit card ending in XXXX in store at the Best Buy XXXX XXXX XXXX XXXX XXXX XXXX for {$820.00}. They bought a XXXX hair dryer and a new phone. I did not make this transaction and at the time it took place I had not even recieved my credit card in the mail yet. I also was at work when the transaction took place and provided a copy of my employments payroll software to show I was at work during this transaction. I have had my claim denied under insufficient evidence that I did not make this purchase according to Best Buys fraud department. I have no one but myself as authorized to use this credit card and they asked me if I know a XXXX XXXX and if she is authorized to use my card. I told them I do not know anyone by that name and no one but myself is authorized. My claim still got denied so I opened up a police report with XXXX XXXX XXXX for credit card fraud. Case # XXXX with XXXX. I have asked that when my case is reopened they provide a different investigator. Also have been hung up on from the fraud department when trying to get help. Please help me!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78224
Submitted Via: Web
Date Sent: 2023-10-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-19
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: Citibank My Citi Prestige card annual fee came due. I paid the {$95.00} annual fee, but then downgraded the account to a Citi Costco card. The fee was refunded and I had a positive balance of {$95.00}. Citi was supposed to refund this via check. Instead Citi closed the account ( # XXXX ) and will not refund my positive balance on the account. I have called on multiple occasions. The last 2 times I called we XX/XX/23 & XX/XX/23. The account was closed in XXXX. Every time I reach out they say they will send me the check to refund, but the check has never arrived. I know Citi has the correct address on file, because I receive and advertisement from them almost weekly addressed to me ( typically a favorable loan agreement is the advertisement ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97338
Submitted Via: Web
Date Sent: 2023-10-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-19
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I opened an account in XXXX they closed it two weeks later and have not given me the XXXX in my savings only the money from checking was returned. They continue to tell me I have to do a harmless bank to bank transfer that they wont initiate nor will peoples initiate because peoples said they cashed the check and received the money after calling fraud, and I cant initiate. They have held up our money over 3 months know and recently sent a statement with a XXXX balance. You are the ones regulating them yet have done nothing to settle this and help us get our money back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06111
Submitted Via: Web
Date Sent: 2023-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-19
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 have been illegally billed by an XXXX XXXXXXXX XXXX XXXX XXXX XXXX' for XXXX 's of dollars. The most recent charge is {$190.00}. I was never mailed notice as required of this recurring charge. CitiBank will not assist me. XXXX XXXX is in violation of local, State and Federal Laws. Automatic renewal is one of the critical areas in consumer protection and notice is required. I have had no notice. Citibank is not responding properly to my fraud request saying this is not fraud when it clearly is fraud. THERE was no notice. That is illegal.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 816XX
Submitted Via: Web
Date Sent: 2023-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-19
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Contacted Citi AAdvantage on XX/XX/2023, in regards to a credit card statement I received with purchases that were not made by me. The company has terminated this card and I will not be charged for the purchases and or fees
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27320
Submitted Via: Web
Date Sent: 2023-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-19
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Citi accepted a new account application, accepted a valid cashier 's check for deposit, denied access to funds for over 39 days. Funds are not yet available to depositor. Invalidated new account promotion without regard to customer full compliance. Citibank concerns with XXXX Cashier 's Check found to be without merit by Citi. New Business Checking Account Opened at XXXX Citi XXXX XX/XX/XXXX Checking account accepted/approved by Citibank XX/XX/XXXX Initial Deposit of a XXXX XXXX Issued Cashier 's Check {$5500.00} made XX/XX/XXXX to account XXXX -- XXXX XXXX Cashiers Check XXXX dated XX/XX/XXXX -- At time of Deposit {$320.00} " Available Today '' {$5100.00} " XX/XX/XXXX This is a new accout ( open 30 days or less ) '' Notice from Citi Fraud Prevention `` Your Citi account ( s ) will automatically close within 60days '' issued by Citi XX/XX/XXXX XXXX or about XX/XX/XXXX Debit card arrives at account address. Activation online denied Visit to XXXX XXXX branch of Citi - issuance of replacement XX/XX/XXXX, replacement card issued XX/XX/XXXX via XXXX Notice from Citi Fraud Prevention received at account address XX/XX/XXXX -- multiple phone calls made to Citi ; Fraud Prevention closed, general customer service line indicated account was blocked and scheduled to be closed. Left vmail message to account Rep XXXX XXXX XXXX Follow-up Friday XX/XX/XXXX -- Left multiple vmail messages for account Rep XXXX XXXX XXXX XXXX Spoke to branch representative who indicated that Rep XXXX was at a different branch, would relay message. Follow-up Monday XX/XX/XXXX -- Left vmail message for account Rep XXXX XXXX XXXX Follow-up Wednesday XX/XX/XXXX-- Visited XXXX XXXX, met with XXXX XXXX, who confirmed and checked all XXXX information was accurate, XXXX called Citi, informed that Citi blocked the account pending verification of validity of Cashier 's Check. XXXXXXXX XXXX statement showing withdrawal requested. Follow-up Saturday XX/XX/XXXX -- Met with XXXX -- Call to Citi ; informed needed verification of validity of Cashier 's check. ( note I had confirmed with XXXX XXXX prior to visit that check was valid. Unable to secure statement as closed account statements must be processed and mailed. ) -- Provided XXXX with Customer Copy of cashier 's check -- Informed by XXXX cashiers check had cleared XXXX otherwise the account would not continue to show {$5500.00} balance. Unable to provide any support. Follow-up Saturday XX/XX/XXXX -- Visit XXXX XXXX Citi Branch with XXXX XXXX Statement -- Informed account was blocked and there was nothing anyone could do to assist. Phone call to Citi Fraud Division Saturday XX/XX/XXXX -- Spoke to representative who indicated account was blocked due to questions surrounding validity of Cashier 's check. Rep indicated that she would need to call XXXX to verify, would I hold. After 5-10 minutes representative returned to the line, indicating that XXXX had confirmed the validy of account and that a message would be sent to " Back Office '' to release the block. Allow 24-48 hours. -- Requested rep confirm that there were no other potentially blocking issues on the account. Rep confirmed, no other blocks. Phone call to Customer Service Line Monday XX/XX/XXXX -- Spoke to Rep, told account blocked as the LLC state of incorporation did not match State of California records. Rep informed LLC was a Washington State LLC, placed on hold, Rep returned confirming incorporation information confirmed with State of Washington. Final block would be remove 24-48 hours. Phone Call to Customer Service Tuesday XX/XX/XXXX -- Debit Card Login unrecognized -- Rep confirmed account was in process of being closed and check would be issued and should be received in 10-14 days. -- When asked why 10-14 days, rep indicated that was the time period. -- Rep agreed to contact " Back Office '' and see if closure could be stopped Later XX/XX/XXXX -- Received a call from Citi Cust Service Rep - Closing process could not be stopped Call From Rep XXXX -- Inquiring as to whether I had received by account closure check. Apologized for issues
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94070
Submitted Via: Web
Date Sent: 2023-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-19
Issue: Money was not available when promised
Subissue:
Consumer Complaint: i initiated two separate domestic wire transfers with CitiBank ; one in the amount of {$50000.00} on XX/XX/2023, and another in the amount of {$30000.00} on XX/XX/2023. I received notification that I needed to call Citibank for verification purposes, which I did. The transfer for {$50000.00} was processed successfully ; however, I received an email at XXXX today that the transfer was cancelled and the money was moved back into my account. I called the bank and was promised that the amount was approved and released for funding by close of business today. As of this evening, nothing was done and the transfer remains cancelled. I called again and spoke with XXXX, and had him escalate the issue to a supervisor on duty. I believe he said his name was XXXX. I was instructed to reenter the wire transfer request into their system, as they could not do anything with what was there already. I was promised that this issue would be followed closely and I am to call them again tomorrow. I also inquired about the {$25.00} fee assessed against each initiated transfer, stating I want to be sure to get that money back for the transaction they cancelled for no apparent reason.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77377
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX I, XXXX located at XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX and phone number of XXXX states I owe {$1900.00} on a Citi Bank credit card. I spoke with Citi Bank over the phone two years ago, and Citi Bank ran my phone number, addresses, and social security number and could not find any record of me opening a credit card account. I called two months ago and spoke with Citi Bank again regarding this credit card and was told no account exists in my name. I spoke with another collection agency over two years ago and was told the owner of this account was XXXX XXXX XXXX. XXXX XXXX I, XXXX refuses to remove the account from my credit report and refuses to do a three-way call with Citi Bank 's customer, whom they are collecting for. I want this account removed from my credit report and to not show up again.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20018
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-20
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I did a pre-qualify online It offered me XXXX, I closed out of website, All of my other cards start at XXXX. XXXX is worthless to me. 2 weeks later I get a card, I'm mad but its already done a hard pull I decide ill just wait and ask for a bigger limite I'm stuck with this XXXX card now. I pay the {$95.00} fee before the first 30 days so it will be paid in full on XXXX month billing. After I pay the {$95.00} they close the account. Now I have a hard pull and a closed account from a card who's website didn't work properly .... and they stole {$95.00} from me ....
Company Response:
State: OK
Zip: 74136
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A