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, In early XXXX Macys ( Citibank ) contacted me regarding a charge on my Amex card with them for a purchase with XXXX. I responded stating the charge was not mine and nor was the XXXX XXXX charge of {$43.00} for a charge on XX/XX/2023. They marked my card as lost/stolen and then issued a new card. Once I received the new card I went to activate the card to use at the store. That is when I noticed a balance of {$43.00}, I called to inquire why there is a balance still for the XXXX XXXX charge. They stated they had no record of the dispute, but would register my dispute, mark this new card as lost/stolen and issue a new card. I logged on to my account on Monday XX/XX/2023 to yet again find on the new card the {$43.00}, {$29.00} late payment fee, and a {$2.00} minimum interest fee. I can not seem to get them to understand the charge is not mine! The keeping issuing new cards and transferring the charge to the new card, plus now adding fees. They stated they will stop the collection calls as the charge is in dispute, but they are not taking care of the matter at all!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ME
Zip: 040XX
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: Getting a credit card
Subissue: Application denied
Consumer Complaint: I have near perfect credit - XXXX score. XXXX debt > {$100000.00} income No negative items on my credit report - no collections, late payments, public records. Oldest account > 30 years. I own XXXX properties, paid in full. I have cash assets > {>= $1,000,000}, and liquid assets of {$2.00} XXXX The company declined my card due to excessive inquiries. I sent them my credit report, there is XXXX inquiry in 5 years. I've spoken with the bank, they refuse to assist, and refuse to provide the credit report that triggered their decision.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33990
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: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: On XX/XX/2023, I walked into the Citi branch on XXXX XXXXXXXX XXXX XXXX, NY XXXX to open a business checking account since there is a promotion for {$700.00} for new accounts. XXXX " XXXX '' XXXX was the business manager who helped open my account. She got various pieces of information wrong about the business as well as my personal information like social security number. The whole process was very disorganized. After account opening, I got an email on XX/XX/XXXX from XXXX saying backoffice needs more information, like a copy of my social security card. I immediately sent it back to her. Then she forwarded me more questions that back office had for her, like what kind of assets the account will own, where the funds are coming in. I gave her the information again. On XX/XX/2023, i asked for a status update on the account. No response from her. Same day i got an email from her saying the account was opened and gave me a few secure files containing my account number and information about the account. She assured me the ATM card will arrive next week. On XX/XX/2023, I deposited a check for XXXX USD to my account in branch at the XXXX XXXX branch in XXXX XXXX Received a receipt. On XX/XX/2023, I received my debit card but the name and business on the debit card was truncated. I could not activate my debit card with either my SSN or account number, so i emailed XXXX XXXX again. No response from her. She later asked me to call the fraud department which i did and the fraud department said my account is blocked because the business address is not the same as my personal address. Fraud department said my account will be closed in 30-60days. XX/XX/2023, XXXX XXXX said the fraud department said that there's no proof I own the XXXX, something which i have already provided documentation for previously with ownership documentations. So i resent it. On XX/XX/2023, I asked for a status update and no response from her. On XX/XX/2023, I resent a documented letter from my XXXX agent that proves I am the owner of the XXXX and resent it to her for reconsideration. No response from her. I called the fraud department again and they said my account has already been closed XX/XX/2023 and the money will be sent back to me by mail to the address listed after 30-45 calendar days from account close date. I waited until XX/XX/2023 to call the fraud department to check the status of my check return. They said that the amount on the account is not due to me anymore and to get back the funds I will need to tell my check issuing bank to file a claim. I called Citi 's executive response unit for advice regarding the account and have no received any information on how to receive my check.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10027
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-17
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: I hope this letter finds you well. I am writing to seek assistance and guidance regarding a matter of significant concern involving a legal action initiated by Best Buy, a retail company, concerning an account that I have no knowledge of ever opening. I am deeply troubled by this situation as it has had a significant impact on my financial well-being, and I am unable to resolve it through direct communication with the company. Here is a brief overview of the situation : in XX/XX/2023, I received notice that Best Buy has filed a lawsuit against me for an account that I have no knowledge of and believe to be an error or a case of identity theft. Despite numerous attempts to communicate with Best Buy and request information about this account, they have not provided me with any details or evidence that this account is genuinely mine. I have not received any documentation that would confirm my responsibility for this alleged debt. To the best of my knowledge, I have not engaged in any transaction with Best Buy that would warrant such legal action. This situation is causing severe distress and financial hardship for me, and I believe that my rights as a consumer are being violated. I kindly request your intervention and assistance in this matter. I would appreciate any guidance you can provide in resolving this issue, including steps I should take to confirm whether the debt is valid or if this is a case of identity theft. If necessary, I would also appreciate any assistance in compelling Best Buy to provide the necessary information to prove my liability for the debt they claim I owe. Your prompt attention to this matter is greatly appreciated, as it has caused significant stress and financial burden. I am eager to resolve this issue and ensure that my rights as a consumer are upheld. Thank you for your assistance in this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07860
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: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I hope this letter finds you well. I am writing to seek assistance and guidance regarding a matter of significant concern involving a legal action initiated by Best Buy, a retail company, concerning an account that I have no knowledge of ever opening. I am deeply troubled by this situation as it has had a significant impact on my financial well-being, and I am unable to resolve it through direct communication with the company. Here is a brief overview of the situation : On XXXXXXXX XXXX, I received notice that XXXX has filed a lawsuit against me for an account that I have no knowledge of and believe to be an error or a case of identity theft. Despite numerous attempts to communicate with Best BuyXXXX XXXX and request information about this account, they have not provided me with any details or evidence that this account is genuinely mine. I have not received any documentation that would confirm my responsibility for this alleged debt. To the best of my knowledge, I have not engaged in any transaction with Best Buy/ XXXX that would warrant such legal action. This situation is causing severe distress and financial hardship for me, and I believe that my rights as a consumer are being violated. I kindly request your intervention and assistance in this matter. I would appreciate any guidance you can provide in resolving this issue, including steps I should take to confirm whether the debt is valid or if this is a case of identity theft. If necessary, I would also appreciate any assistance in compelling Best Buy to provide the necessary information to prove my liability for the debt they claim I owe. I have attached copies of all relevant correspondence and notices for your reference. Your prompt attention to this matter is greatly appreciated, as it has caused significant stress and financial burden. I am eager to resolve this issue and ensure that my rights as a consumer are upheld. Thank you for your assistance in this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07860
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 purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I was checking prices of the hotel room through XXXX website and XXXX. The price that XXXX ( rerouted to XXXX ) was showing was slightly less than that of XXXX so I thought I would book directly through them. On the website I needed to provide my billing information prior to seeing what the final cost with taxes and fees. After providing my credit card number the final cost appeared on my screen of {$980.00} and it included over {$300.00} in additional fees from what they showed on their website and from the cost on XXXX. I had expected additional fees but that is excessive. I immediately stopped the transaction, never clicking on the PAY button on the booking site and immediately logged out. Within moments I received an alert that a charge of {$980.00} had been made to my credit card. I immediately reported it as a fraudulent charge to Citi Bank Credit Card and then I immediately called XXXX customer service and explained that I had not completed the booking process so did not intend to accept these charges. No more than 2 minutes had passed since I exited their website. The customer service representative offered to give me a slight discount but no where near the additional {$300.00} + charge that appeared from the original price. After a very lengthly conversation with the representative, and receiving no satisfaction I informed her that I would be disputing it with my credit card company. Their records will show that the room was not used. I sent a dispute claim to Visa. They contacted XXXX who denied the dispute so Visa refused to cancel the charges. I contacted Visa a second time informing them that it was a fraudulent charge on my card. They again contacted XXXX who again refused a refund. After researching XXXX I am confident that this is not a disputed claim. This is fraud. XXXX is claiming that since they have a no refund policy they will not cancel the transaction. I never gave permission for the charge. I only proceeded far enough in the transaction to see the final price. Upon researching XXXX online I see that this type of fraudulent behavior is not atypical for the company with numerous other customers experiencing similar issues. There is also a class action lawsuit with similar fraudulent behavior as what I experienced. XXXX XXXX XXXX Even though I have shared this information about the fraudulent practices of XXXX with Citi bank Credit card company they continue to side with this unreputable company and refuse to credit me with this charge. I was very surprised that Citi did not support me in this event.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43035
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: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On our about XX/XX/XXXX, I opened online a checking account with Citibank. I received the debit card in the mail, and was unable to activated online, it kept giving me an error, in XXXX XXXX went in personally into the branch, and spoke to the teller, she instructed me to make a deposit through the ATM machine in the lobby, I did. Later I decided to use the account, to collect funds from friends and family for a young cousin 's XXXX XXXX, and linked it with XXXX with the email XXXX, on XX/XX/XXXX. Tested that it worked from another personal account on XX/XX/XXXX, with a {$1.00} transfer, since it worked. I started receiving XXXX 's there since that day. On XX/XX/XXXX, again I went to the local Citibank branch ( same where I activated the debit card, and made the cash deposit ), and asked for {$5700.00} to be wired transferred to the clinic in XXXX, XXXX. I had the invoice and all the wire information from the clinic, after a few minutes I was told the account had been blocked, and most likely I would receive a cashier check, or the senders ( including myself ) would get their money back, because I violated the terms of my account, to go back in 72 hrs. I went back 72 hrs, a week, 2 weeks and month, and many other times, no re-solution. I was told to wait it would be via regular mail or directly with people, because they had to wait, and see that no one had filed a complaint that it was fraud. It wasn't it was mostly family, and some friends. I understood, but Neither has happened, its been almost six months. I have gone to the branch, the manager says there is nothing he can do. I have called Citibank, different departments and no one knows or can't talk to me, since they closed the account, and im no longer their client. No one including, myself, my daughter, other family members and my husband has received a refund, nor have I received a cashier check refunding the full amount of the money in the account, at the time they closed it or denied me access to it. The total amount in the account that I am owed is {$6600.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33326
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 purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I had a company ( XXXX ) come to my home to perform a service that was not fulfilled. I paid {$100.00} for the services that day and that service was not fulfilled either but I paid. I disputed the cancellation charge for any further services stating that this company broke their agreement when they clearly broke their terms. I won the dispute and Citi Bank Visa refunded my money. The cleaning company then went into my credit card and took another {$250.00}. I have changed my card numbers 3 times, put a block on, a privacy onI have done everything I can to prevent this company from breaking into my account and I keep being assured they wont break in but they do. This last time, very cleverly, they first took {$45.00} when they realized they could get in my credit card again they took an additional {$250.00} more. I feel CitiBank Visa is not protecting me and my money from these people. I can not cancel the card because I would lose {$280.00} in Costco money/ points if I cancel before XXXX. I am on a fixed income and the reason I hired this company was I was having my husbands memorial service at my home and needed their servicehuge mistake! Thank you for your time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48073
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-17
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: My husband and I are currently working with our local credit union to open HELOC. Their underwriters in doing the property search discovered an active lien on our property in the amount of {$3500.00} filed on XX/XX/XXXX. In researching, I discovered it was in regards to a judgement that was filed against us XX/XX/XXXX from Citibank for a credit card we had defaulted on. At that time XXXX XXXX XXXXXXXX were handling the account. We went to court and worked out a repayment of the debt and on XX/XX/XXXX we paid off the debt thru the county court. In the midst of the court approved repayment on XX/XX/XXXX we received a letter form XXXX XXXX XXXX with a substitution of Counsel and on XX/XX/XXXX the judgement was filed with the county, almost 3 years after the approved repayment agreement and 9 months before we paid the account in full. We were never late with any of our payments, so I am not sure why they chose to file at the late date. Bringing the current, i reached out too XXXX XXXX XXXX XXXX XXXX to discuss if the release of judgement had been sent and just somehow lost and not recorded with the county. Both companies advised me since it was closed with them that I would need to contact Citibank directly to obtain that information and /or release. One rep at XXXX provided some phone numbers, and this is where the main part of the complaint is created. XX/XX/XXXX and XX/XX/XXXX I have attempted to reach the department at Citi bank that will be able to release this judgement. Of the 5 customer service reps i have spoken to, I have been told that they cant transfer me to that department without the account information and cant or wont transfer me to their supervisor. They state they dont have access to that information. One rep gave me a number that turned out to be the citi Bank mortgage department which couldnt help because i never had a mortgage. Only a credit card. Today I was told because i was not the primary card holder that they could not provide me with a phone number at all, I advised i was an authorized signor and authorized to discuss the account when it was open, but they would not listen. Most didnt take the time to understand what i needed, most, in my opinion didnt even know what a lien was and why it was an issue. They were rude on top of ignorant. There is nothing online that gives me any direction of who to contact to help me. I have reached back out to XXXX XXXX XXXX today to try to work this out thru them, but I dont think they were the final company that covered my account as I also have a letter i obtained in XXXX from XXXX XXXX XXXX stating my acocunt was paid in full. I have left them two messages but no one has called me back from there. This paid in full judgement is on a paid off card from a case over 10 years ago with the judgement having been paid in full for over 8 years ago now. At this point we are unable to finalize our HELOC, and we are out of options of how to resolve this unless one of the attorneys takes the responsbility or Citibank finally puts us in touch with the correct department that can help, which we are beyond frustrated and wish to not deal with them anymore because of how we have been treated. I also would add that this is not showing on my credit report at all.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37803
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 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/XXXX I made a purchase at XXXX XXXX in the amount of {$760.00} with 18months no interest if paid in full. When I realized the card company was charging interest I opened a dispute on XX/XX/2023. Subsequently, the case was closed without contacting me, allowing me opportunity to present evidence of my claim, etc. I've tried on numerous occasions to upload the receipt supporting my claim, I've tried using the chat function to figure out how to provide the receipt, today ( XX/XX/XXXX ) I called customer service. The representative refused to help resolve my issue, claiming I only have one interest promotion on my account, neglecting to understand I have the receipt for the second interest promotion. Her solution was for me to go to the store and have the manager call citi, or to mail the receipt to their po box . Both solutions requiring more effort and time on my part when we are in a digital age and could have easily emailed her the receipt to review and resolve the issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 380XX
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A