Date Received: 2024-02-25
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I had a credit balance on this card before I closed it of {$44.00} and some change. I contacted Citi via chat in XXXX, and was told I would get a check sent to me. After 1 month nothing was sent, so I contacted CITI again via chat end of XXXX. They told me they would resend the check. In XXXX, I still haven't received my refund, so I contacted them again. They said this time they would direct deposit into my bank account. So again, I still have not received this refund. When I contacted them again via chat, they have not been able to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 86442
Submitted Via: Web
Date Sent: 2024-02-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-25
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Poor customer service practices in Citibank 's fraud department. XXXX : I rec 'd a fraud alert in app and promptly called the bank, as the primary account holder. I provided my full name, code word, personal credit card #, and additional XXXX card # ( business account ). Rep would not listen and kept talking over me, asking if it was a debit card even though I repeatedly stated this additional # is a credit card and the only other account I have with this bank. I explained we are trying to add this card to a new phone. Rep says she can not verify me to be myself and can not send a code to my phone despite all the information I already provided. Rep asked for the account # s for other banks ( checking ) that pay my credit card. Really? never heard of this. 1st Rep was unprofessional and kept asking for more and more info after I answered her Questions. She would not send text to my 1st or 2nd Phone # s or my email address on file. This rep asked if I was at work or had access to my work info, on a SATURDAY. There is no connection to my work and this card. I listed no work # or email. Rep tried to hang up on me, while I asked for the manager many times. Manager came on call and tried to add card to our 2nd phone. Manager was more professional but was not able to add card due to technical issues. XXXX : called to try and resolve again, same issues. Gave password, card holders name, credit card #, business card #, Rep still asking for NON citibank private account/ checking # s. Requested to verify with alternate phone # s listed on Citibank account. All additional card members on the line as well. Agent would Not verify via three phone # s listed on account. Goal post keeps moving. Big waste of time last 22 days. Fed up, will cancel card after 35+ years.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10035
Submitted Via: Web
Date Sent: 2024-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-26
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/24 I used my debit card twice and they locked my account saying it was fraud. No texts no emails notifying me just simply locking my account. I called the fraud department and provided them with all my information and they said they still couldnt verify me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44102
Submitted Via: Web
Date Sent: 2024-02-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-25
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: XX/XX/XXXX I ordered a Back Reliever for my XXXX, the name of the company was called XXXX. The order was for XXXX. The shipping time was 2-3 weeks and during holiday time so I gave it some time. After about a month I sent an email to the company inquiring where my package was, since I had been following the tracking number. It was showing that it was " sitting '' in XXXX, NY for days and days. Even now its still showing that its sitting there ( XXXX # XXXX ) and its been in the same location since XX/XX/XXXX. I sent another email and received a call on XX/XX/XXXX from the company. I explained my issue and was told that I would receive a refund because my package was probably lost or stolen. I severely needed the product so I asked how do I receive it now, I was told I needed to resubmit payment to avoid waiting longer. I was used my personal bank card ending in XXXX via XXXX XXXX the first time, but that account didn't have enough funds, so this time I had to pay with my actual card ( business account card ending in XXXX ). I was told to look out for an email and new tracking. 6 days later ( XX/XX/XXXX ) I call back saying I got nothing and they said it looks like my payment didn't process, so they ran my card again. So after the call I check my account only to see that I had been charged TWICE!!! Once in the amount of XXXX and another for XXXX!!! I immediately call Citibank and for some reason I always get connected to someone who's trying to rush me off the phone or won't listen. I understand that the payment was pending, but the rep didn't offer much help and said she would file a claim for the XXXX, but couldn't do anything about the XXXX because it had just happened the day before ( I had to call back the next day because the Business fraud department was closed ). The rep said she would try to cancel the payment and if she couldn't and it posted, I would be called back and the XXXX would be added to the claim. It's been days and I haven't heard anything back and keep being put on hold every time I call. Also, I wasn't even offered the chance to order a new card!!! I was told it's not an option, I'm just confused and have had to just lock my card until I need to use it. It doesn't make any sense, it's like they invite companies to steal our money and then leave us hanging in the balance. I have photos of the receipt and everything im explaining here. Also, the charges are showing they're coming from XXXX, I'm clearly located in XXXX XXXX, Ca, and made that very clear during the call. CITIBANK is giving me a headache.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91601
Submitted Via: Web
Date Sent: 2024-02-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-25
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: In XXXX Citibank failed to send me a replacement when my debit card expired. This meant that I lost online access to my account. In XXXX XXXX I called many times to request a replacement debit card. They promised many times but it never came. Finally they told me to write in to their bank by mail department : I did so in XX/XX/XXXX but they never sent the card. So I contacted their executive support team through the XXXX XXXX XXXX First they got their security team to send me a letter to confirm my address : funny since my address has not changed in more than ten years. Then, in XX/XX/XXXX, they said they were sending the card by courier, but the courier never contacted me and the card was never delivered. The executive team then said that maybe I had given the wrong address! I replied that this was impossible and that I had verified the address with their security people, and it was the same address they had always had for ten years. They never replied. So I have been to a lot of trouble and have been denied access to my account balance of US {$1000.00} for more than two years. I want some compensation for this, and I also want access to my money. The latest, they have changed their charging policy and want to start charging fees for this non-service! ( Up to now there have been no fees on accounts with a balance of US {$1000.00}. ) They should not be allowed to charge any fees for an account that they do not allow me to operate. Their XXXX
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: 2024-02-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-25
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: The company did not resolve any disputes I had with the card even though it was fraudulent. I provided reports and paperwork to them about it. I even spoke with the merchant about the charge and that they agreed to refund it. I told the company that i want to close the account and they did nothing. The company let my account accrued fees after fees for months before closing it. The company sold my account to a collection agency and now they are after me. The merchant that gave me the refund called me and said that it was sent to the original payment which was the company card. I called the old company card and told them i have a refund coming in and that i need them to send me the refund since they reported the account to collection already and its reporting in my credit file. They said that they will not send me any of the refund and that the i have to call the collection agency to talk about the account but they will keep the money. It's not legal for them to just sell my information and give my account to collection agency and still receive the refund i had with the merchant. The company charge me fees after fees for months and not closing my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 641XX
Submitted Via: Web
Date Sent: 2024-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-24
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: MACYS/CBNA XXXX XXXX XXXX XXXX XXXX OH XXXX Dear Sir/Madam, I am writing to dispute a hard inquiry that appears on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ) Section 611, I am requesting an investigation into the validity of the inquiry and its compliance with FCRA regulations. MACYS/CBNA. ( " Miscellaneous Department and Variety Stores '' ) on date XX/XX/year>. I believe that this hard inquiry was made without permissible purpose or without my consent, which violates my rights under the FCRA. According to FCRA Section 604, inquiries into my credit report must have a permissible purpose and must be initiated with my consent. I have not authorized this inquiry, nor do I have any association with the company listed.Furthermore, FCRA Section 611 requires that inaccurate or unverifiable information be promptly corrected or removed from my credit report. Since this inquiry was made without my consent and does not reflect any legitimate credit activity on my part, it is both inaccurate and unverifiable.I am hereby requesting that [ Credit Bureau Name ] investigate this matter and provide documentation verifying the legitimacy of the hard inquiry. If no such documentation can be provided, I request that the inquiry be promptly removed from my credit report in accordance with FCRA regulations.Enclosed are copies of relevant documents supporting my claim, including [ list any supporting documents, if applicable ] .Please provide written notification of the results of your investigation and any actions taken to address this dispute within the timeframe specified by FCRA Section 611.Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10469
Submitted Via: Web
Date Sent: 2024-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-24
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XX/XX/year>, reauested a credit balance refund. Despite the elapse of 7 business days, as outlined by law, credit balance has not been removed and funds pertaining thereto have not been received.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-02-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-24
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: We noticed that there was some illegal fraudulent charges on credit card on XX/XX/2024. We tried contacting them right then and there. But did not get ahold of anybody to XX/XX/2024. And that's the day they froze my credit card and told me not to make a payment until these issues were resolved. Then when I finally received my new credit card in the mail. I called them roughly around XXXX XXXX. I spoke to a supervisor who informed me that he was gon na reverse one of the transactions that was fraudulent. And that was gon na be posted to my account. Balance as a payment. I only had to make a {$46.00} payment. And that would have been the whole payment for that month and that would satisfy the account. That we would have been still a XXXX percent on our payments. He was gon na also make sure that the rest of the fraudulent charges late fees and everything else was taken care of. Well to my surprise that was not done. So I ended up calling back and speaking to another woman supervisor who said she was going to take care of this ASAP because she pulled the phone calls. And everything we just stated was correct. Well, I spoke to another person on XX/XX/XXXX. Who had someone call me back? Which was XX/XX/XXXX. Which was the supervisor saying that she was taking care of everything and our credit card wasn in good standing. She even agreed. Why are we gon na pay late in all of this on a credit card that has been used for fraud on charge we did not do. And she ended up reversing all of the cause. We can see that which means nothing was late. There was no late payments. We were up to date all good and dandy. Well, my wife has our credit reports on her phone from credit karmer and 2 hours surprise. Ding ding ding, we get. I noticed that they reported a late payment 30 days past due. Which is fun any illegal? Because there was nothing past due. We did everything instructed to us. By two different supervisors. We have phone records. We have a bank statement show in the XXXX tobacco. What? We're saying they have phone calls that recorded to back up what we're saying. Um, we can show you credit um. Credit card statements that show the charges. And her reversing them. We also called the credit card company today. XX/XX/XXXX to try to get this all resolved. The supervisor we talked to not only was Nasty, even though he could see that you know, we were telling the truth and everything we stated. Was that he pretty much told us to take us to take them to court? It won't hold up in court just because the credit card people told us what to do on. We should know better and we. We should have done the payments anyways, even though there was fraud on our account and everything was up-to date he pretty much said taken them to court or getting a lawyer was not gon na work because we were in the wrong for following what they told us to do.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 321XX
Submitted Via: Web
Date Sent: 2024-02-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-24
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Last year, Citibank upgraded my advantage Visa card to " thank you '' card which I have been using but I prefer XXXX XXXX miles so I responded to their email inviting me to apply for a visa credit card that has miles as the reward. Over the past year, on three separate occasions I applied and was informed that they were not going to honor the new account promotion which was offered to me in the email. I have an XXXX credit rating for over 30 years and have never missed a payment. It seems that I am being blackballed from all new account promotions from Visa, Mastercard and American Express. This can not be legal
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 076XX
Submitted Via: Web
Date Sent: 2024-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A