Date Received: 2023-10-18
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I had a charge on my " Home Depot '' credit card for {$21.00}. which was due XX/XX/23. I called them on XX/XX/23 to make the past due payment and asked them if they would waive the late fee, which they did. I got a new bill from Home Depot in XXXX for an amount of : {$21.00} ( Previous payment made on XX/XX/23 ) {$23.00} ( Fees charged ) New balance due XX/XX/23 of {$45.00} ( XXXX ) Past due amount {$21.00} ( already paid on XX/XX/23 ) I called them up and had to talk to 2-different Reps. and 3rd one to the Dispute Dept., and they finally agreed to take out all charges. So, now they made it to a XXXX charge amount. So now its resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95127
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-18
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Citi closed my account for no reason with {$10000.00} in it and is still refusing to send me the check. It's been 55 days since I've been locked out of my account which is approaching even Citi 's own deadline for sending me the funds. I tried sending in several CFPB complaints but the analyst on the case XXXX has been completely incompetent and unprofessional. His manager refuses to assign someone else. I need my funds and I need anyone but XXXX on this case.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10016
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: Getting a credit card
Subissue: Application denied
Consumer Complaint: Hello, I have applied for Citi XXXX XXXX XXXX Mastercard on XX/XX/2023 and I was given a reference number and contact number XXXX as they need some additional information to give me a decision. I called them on the same day and the rep asked few identity questions ( Name, Dob, SSN ) and then stated that he would be sending a code to my mobile number ; that I had to read back. I have received the code and read it back to him. After that he mentioned that application was denied and stated that I would get letter with explanation ( he couldn't provide reason in the call ) and I could call back for re-consideration once I get the letter. Today ( XX/XX/2023 ) I have received letter and it states the reason for denial is " Unable to verify my identity information ''. I was surprised with this and reached customer service today on XXXX. Rep stated that they have to verify using my mobile number by sending a text, I received the text while I was reading the code back ; she stated that the mobile number is being shown as error on their side and they couldn't verify me using my mobile number. I have been using this mobile number from 10 years, and they state that I can't use it and this is the only number I have. I have asked if they can verify me differently and they have stated there is no other option. I offered them to mail or fax any documents they need, but they didn't seem to accept it. I am not sure why they can't use my number that I have been using since 10 years and this number is being used with other financial institutions. There should be an alternative way to verify identity if they can't use the mobile number with their system limitations or issues .I humbly request Citi to resolve their system issue or provide an alternative way for customer to verify the identity. I have requested rep to raise complaint for these issues and she gave me this complaint # XXXX for reference.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: XXXXX
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: On my most recent Citi Costco Visa statement ( ending XX/XX/XXXX ). I noticed the following charge : XX/XX/XXXX RETURN CHECK FEE - XXXX {$30.00} I immediately contacted my account for 2 reasons ( 1 ) I don't pay by check ( 2 ) and my account was not late as my autopay kicked in on time. When I contacted Citi they said it was for a return of my Autopay. I looked at my Bank account and there were no rejects on my checking account for Autopay. The rep I was having a chat with was saying that even though it took I still get charged since the 1st time got rejected. I don't see how you can get charged for a fee when something goes through esp when my bank ( XXXX ) says there was no rejection. Additionally from a Treating Customers Fairly perspective the actual 'fee ' they put on my statement is misleading.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: XXXXX
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: 2023-10-18
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I am a XXXX XXXX XXXX member who was required to get a XXXX XXXX XXXX for official travel. Citi handles the XXXX program and they are fleecing the US government and scamming US service members with absurd fees and interest. Back in XXXX I was instructed to apply for this card, so I did. I was unaware of a {$29.00} activation fee. I received no correspondence about this fee until a letter received in XXXX that said I owed that along with an additional late fee, for a total of {$58.00}. I tried to pay the {$29.00} fee on their automated line, but it didn't work. So I tried calling customer service multiple times. Every time I called I'd be on hold for upwards of an hour. When I finally got through to a person, they were rude and condescending. I finally asked to speak to a manager. After another 30 minutes of hold time I was asked to provide a phone number so someone could call me back. Several hours later, a manager called back and was just as rude and condescending. She provided no further help or information. Citi is running a racket. They have abysmal customer service because they don't need to provide good service since we are forced to use their trash products due to the government contract. If I'm having this much trouble with these charlatans, I am certain many other people are struggling with similar issues. I've spoken with several other individuals who have similar stories of phantom fees and horrendous customer service experiences. Additionally, their fraud detection is terrible and many people have been left on the hook for fraudulent transactions. Citi is the absolutely worst company I've ever had the displeasure of dealing with, and I would never voluntarily use any of their products. My recommendation is to stay as far away from these criminals as possible.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 515XX
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-17
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: Hello, I have Costco citicards, ending at XXXX have a refund issued from XXXX to Citicards for {$1400.00} on XX/XX/, with release authorization XXXXCiticards has authorization hold and have not released to my account for credit - {$1400.00}. Multiple attempts to customer service number XXXX result in flat denial of such authorization and refuse further investigation. Thank you, XXXX XXXX XXXX Phone number and address ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) is same as on Citicards ' record.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 950XX
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-18
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below XXXX XXXX XXXX XXXX XXXX and MACYS/CITIBANK, N.A. XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90501
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-17
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Citi closed my account because my account was automatically withdrawn on from my bank account each month. I had requested on at least three occasions to change the automatic deduction date because the balance in my bank account would be less than the deduction amount - hard to reconcile when deductions are delayed on multiple automatic withdrawals. I would make payment on the balance in a day or two each time to correct. The main reason why they closed my account is when I requested XXXX benefits when my husband went on his XXXX XXXX tours in XXXX they would not honor the XXXX interest rate reduction to 6 %. I called requesting it and my husband called requesting multiply times. They refused to and closed the account instead. I had my credit card XXXX XXXX XXXX since XXXX and my credit limit was {$29000.00} so I established a great rapport with them over the years. Subsequent to this, I paid off the account balance while being charged interest each month. The balance was paid off in full in XXXX, XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 206XX
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-17
Issue: Problem with a company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I have disputed with this creditor XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I request bank transactions and proof that I was late with this creditor. The creditor never sent proof that I was late. The creditor has took over 30 days to update my account and perform an investigation. The creditor has illegally reaged my date late active from XX/XX/XXXX to XX/XX/XXXX. XXXX is missing date last active and is unverifiable. XXXX failed to do update my account and do a proper investigation.the creditor Last reported on my account XX/XX/XXXX even though my I sent my dispute XX/XX/XXXX. Todays date XX/XX/XXXX I have not received a update of a Re investigation from this creditor
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30032
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-17
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: Citi ( R ) Cards XXXX XXXX XXXX XXXX XXXX, SD XXXX Attn : Citi Billing Inquiries - Disputes Re : Notice of continued disputed charges to Account No. XXXX DISPUTE XXXX Dear Citi ( R ) Cards Billing Inquiries -Disputes I am writing again to continue to dispute all charges to my credit card account by XXXX # XXXX. All XXXX charges to my account are in error because I did not purchase the items. All XXXX charges were due to fraudulent credit card activity. Any current balance including associated interest on my account is from fraudulent purchase activity as described herein. My credit card information was stolen and it was used by criminals to purchase a variety of items at various times from XXXX XXXX XXXX per my Citi billing statement. I continue to attest with absolute certainty that neither I, nor anyone authorized by me, made ANY of charges or received any benefit. These charges are clearly fraud and were made by criminals who obtained my credit card number illegally and used it to purchase ALL items through XXXX XXXX XXXX XXXX NC on various occasions. NONE of the XXXX merchant 's responses are valid. Citi has shown absolutely no evidence that I placed an order for any of these items online and then picked them up at XXXX from a locker or by other means from any XXXX location. There is clearly no proof produced by XXXX to associate me with making any of the charges. There is absolutely no basis for a decision in favor of XXXX : XXXX. There is no proof my legal Indiana government ID was used to validate any of these purchases at delivery. XXXX. There is absolutely no evidence that I signed at delivery accepting any of these items. In fact, a person by the name of XXXX XXXX took delivery of the items. I have never made acquaintance with or associated with this person. He was never authorized to use my credit card, certainly. XXXX. A fake customer address is listed on XXXX loading tickets. It is not my address, nor have I ever been associated with this address or anyone residing at this address. XXXX. The email address used for delivery notifications is not my email. It is a fake and was used to make fraudulent online purchases. There is no proof I ever produced or owned this email address : XXXX XXXX. A fake phone number is listed on the XXXX loading tickets. I have I ever been associated with any phone number listed on the loading tickets. XXXX. The IP address associated with the fraudulent orders is not associated with me and cant be associated with me. The IP is located in California. I live in Indiana. XXXX. There is no photographic or video evidence of me picking up any of these items. Again, I certify neither I, nor anyone authorized by me, made any of these XXXX charges or received any benefit. I attest with absolute certainty that neither I, nor anyone authorized by me, made ANY of the following charges or received any benefit. The following XXXX fraudulent charge list may not be exhaustive. The data was downloaded from Citi monthly statements. I reserve the right to add additional fraudulent charges found or identified to this fraudulent charge list. 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 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 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 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 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 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 XXXX XXXX} I am requesting that the error be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46143
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A