Date Received: 2023-10-19
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: In XX/XX/2023 I called to cancel my XXXX XXXX XXXX Credit card as it has a {$99.00} annual fee and I dont use it. They convinced me to take a lower card with no annual fee. I was told I would get a new card and dont pay the {$99.00}. I received my next statement with the {$99.00} annual fee. I was told again, do not pay it. I then started getting future statements with the {$99.00}, late fees and interest. I have spent 3 1/2 months calling and they credited almost all of it except for an interest balance of {$6.00}. I called the past 2 weeks and spent over 55 mins on each phone call, still not fixed. My problem has been transferred to supervisor etc, but Im getting no where. Every time I call Im told it will definitely be fixed in 5-7 business days. I receive daily phone calls ; emails and texts stating I have a past due credit card bill. Im at a loss and Im sure I will start getting late fees soon on this amount. The situation has actually become harassment as I receive notifications every day about this past due bill. I have excellent credit and dont need it ruined by something like this. I have several credit cards and I have never been through anything like this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 109XX
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: 2023-10-20
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 did not authorize charges in the account. I reported as fraudulent charges to Citibank. card # XXXX card # XXXX Restore my credit rating. of note : I had my wallet stolen at work with my cash, Driver 's license, SS card, several credit cards, photo ID and other personal information.
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: 2023-10-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
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: Called in XXXX fraudulent charges immediately on XX/XX/2023. Total fraudulent charges from " XXXX XXXX '' totaled {$500.00}. The credit card company only took action on charges ( 3 ) charges totaling {$62.00}. I've called and reported the other ( 8 ) charges totaling {$440.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
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: 2023-10-20
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: They wont close account ..had to tell them card is damage they issue new card never got and someone is everyday using my account they let keep going letting it happen I live in Florida charging is going on from XXXX. I can not pay after telling it is not me..over XXXX XXXX now..
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32720
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: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I have been with CitiBank Best Buy Visa since XX/XX/XXXX when I signed up for a Best Buy Credit Card and purchased a XXXX XXXX XXXX and tv stand for around {$2300.00} ( of {$5000.00} ). Since XX/XX/XXXX, I have been making payments every month since per their promotion, I get 0 % APR for 24 months ( ending XX/XX/XXXX ). I have made payments of {$100.00}, {$110.00}, {$270.00}, and {$100.00} going on for 4 consecutive months. The {$270.00} was extra because I made some purchases on Best Buy and XXXX, so I payed more to cover what I just purchased. Today ( XX/XX/XXXX ) I checked my balance on my account and noticed it was {$2300.00}. This confused me because the balance should be a lot lower. I called Customer Service and the first person was very rude. She hung up on me. The second person could not properly explain why my balance was higher. Where did this {$600.00} that I paid for go? Why is my balance higher than my original purchase? Almost as if none of those payments went through, yet according to my bank ( XXXX ) they have. And I have screenshots on my credit card account that they went through. In total if you don't count my payments and those additional purchases, I would owe around {$2500.00}. If you subtract that it would be around {$1900.00}. So where is this extra charge coming from? I triple checked all purchases made on this card and it all added up to around {$2500.00}. I also subtracted my payments ( that I made on time and paid more than the {$30.00} minimum ), yet where did this $ go? Which leads me to believe that Citibank has frauded me. They have taken that money and have not applied it to my balance. They were also very uncooperative and that first person hung up on me. I told them that until the issue is fixed to put a hold on my credit card and that I would not be submitting any more payments since the next is due on XX/XX/XXXX. I have XXXX other credit cards over the past 3 years and have never experienced anything like this. It is very odd and these other purchases made were very recent and would not have interest accumulated. After researching I hear they have done this to other people? This is greatly upsetting because I could not afford this TV upfront so I guess fell for the Best Buy credit card scam. This is ridiculous that my balance is not lower. Even more so that I have been a good client and have paid every month on time and more than the minimum. I specifically had {$100.00} set up because I calculated how much it would cost over the 24 months. Yet this company has taken my XXXX money ( I am a Permanently XXXX Veteran ) and has not applied it to this balance. Something needs to be done. Someone needs to hold this company 's malpractices accountable.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90066
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: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: 2 online payment made with Citibank app to XXXX Credit Card owned by XXXX Bank {$110.00} on XX/XX/ {$900.00} onXX/XX/XXXXXX/XX/2023 I Forwarded all info that Citibank provided me to XXXX Bank their investigation found that XXXX Bank did not cash the checks. This has been going back and forth with Citibank and XXXX Bank for about 8 months.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32708
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: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I'm reaching out because I've got a major bone to pick with Citi Bank, and I believe you might be able to help. Over the course of XXXX and XXXX, they've hit me with an eye-watering {$460.00} in return check fees. In XXXX, it was {$99.00}, and this year, I've already shelled out a whopping {$340.00} in these pesky charges. Now, let 's be real here if a payment bounces, it's typically because we're having a tough time making ends meet. So, what does Citi Bank do? They slap us with more fees, making our balances soar and pushing the minimum payment further out of reach. It's like a never-ending cycle that's making life even harder for folks who are already feeling the financial squeeze. I'm just a regular person trying to make things work, and I feel like these return check fees are piling on the stress. I'm reaching out to the Consumer Financial Protection Bureau in the hopes that they can take a closer look at this situation and help folks like me. Maybe we can convince Citi Bank to cut us a little slack and stop piling on the fees that only make it harder to get back on our feet. Thanks for lending an ear, and I hope we can make a positive change here. Best regards, [ Your Name ]
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 656XX
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: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I noticed some inaccurate information on my credit report and went to the annual credit report site to get a copy of my complete consumer report. The site had an error where i couldnt download or view the report at all. I went to request a copy and I sent a letter to XXXX immediately to have it resolved. I haven't gotten a response yet and I need that report immediately as there may be serious issues on the report I need to address.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11217
Submitted Via: Web
Date Sent: 2023-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-18
Issue: Other transaction problem
Subissue:
Consumer Complaint: On XXXX XX/XX/, I requested XXXX ( XXXX USD ) to be transferred from my XXXX XXXX account to my XXXX XXXX account via XXXX XXXX The money was traded on XXXX XX/XX/. To make the transfer, XXXX wired the funds to CitiBank XXXX. The transaction was rejected on XXXX XX/XX/, and XXXX XXXX XXXX XXXX department never received a record of the funds. I opened an inquiry with XXXX dated XXXX XX/XX/2023 regarding an international wire transfer fund. The case has not been resolved. They advised that I reach out to XXXX. When I reached out to XXXX, who can not help since the money never made it to them, advised me that XXXX must request a recall from CitiBank XXXX to return the funds. I have been in contact with XXXX over the course of 6 months and they have tried to reach out to CitiBank 5 times, but CitiBank has not responded or refunded the missing XXXX. Since I have no relationship with CitiBank XXXX, without an account number and as used as an intermediary between XXXX and XXXX, I have little ability to push this case forward.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94582
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am writing to formally dispute the inclusion of two accounts on my credit report, namely : XXXX XXXX Account Number : XXXX XXXX XXXX [ Last four digits obscured for security purposes ] XXXX XXXX Account Number : XXXX XXXX [ Last four digits obscured for security purposes ] Upon careful review of my credit report, I have identified that these two accounts do not belong to me and have been erroneously included in my credit history. I have no association with these accounts, and their presence on my credit report is inaccurate and misleading. I urge you to investigate this matter promptly and remove the aforementioned accounts from my credit report. The inclusion of these unauthorized accounts has the potential to negatively impact my credit standing and overall financial well-being. I appreciate your attention to this matter and request that you provide me with a timely update on the resolution of this dispute.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 325XX
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A