Date Received: 2023-10-11
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: A fraudelent charge was made on my Wayfair Citi Bank card on XX/XX/ for {$200.00}. The purchase was done on-line from a person in XXXX for a gaming chair. I'm XXXX XXXX XXXX and live in XXXX. I did not make this purchase and I alerted Wayfair and Citi Bank. Citi 's Security Operations ook my claim and removed the charges. However, in XXXX, the charge was returned to my card due to the " lack of information to support my claim ''. This began a barage of phone calls about overdue payment and late charges. I've received several letters letting me know that my credit would be impacted. I've called Citi 's Security Operations several times. Speaking to XXXX, XXXX and XXXX on seperate occasions. All assured me that this was a fraudelent charge and they would personally remove it. This was obviously a scripted response since each said the exact same thing. It is now XXXX My last letter was dated XXXX saying that they will be reporsting me to the XXXX credit bureaus if I didn't pay the charge and the late fees. How dare they continue this harrassment and extortion. This needs to addressed and other need to know not to sign up for the Wayfair Citi Bank card. My identity was stolen through and on-line purcahse due to their lack of security and they are blaming me. Stay away from this company and their credit cards.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08005
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
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 fraudulent transaction on my account back in XX/XX/2023. The charge was mistakenly reversed when it shouldnt have been at the end of XXXX. I called Citi Bank about the very obvious mistake that was made and was told multiple times it wasnt a mistake and would be adjust properly on my next billing statement. Come to my next billing statement and it now showed that I owe for that fraudulent transaction. Called Citi Bank again and they finally listened to what I was saying and saw and noted the mistake. I was told it was being sent to their manager to get handled and would be adjusted back by the time the due date. Now here we are today, 5 days before the due date and still no fix for this mistake. Ive called Citi Bank at least 10 times at this point. Ended up paying for the charge because I didnt want it to affect my credit score. Now I have to sit and figure out how I can get my money bank from a bank who hasnt responded to fix this issue since the beginning of XXXX. This was the only other thing I can think of to do to try to get some actual help. The zero liability for fraud isnt a representation of Citi. Every time I call they say they see it in the notes and itll get handled. Dont know what else to do.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91701
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
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 and XXXX two fraud transactions occurred on my account for {$1600.00} and {$1500.00}. Towards the middle to end of XXXX I noticed the fraud transactions. I opened a dispute with the credit card company - Citi Mastercard. Citi master card investigated and determined the transaction was indeed fraud and notified me the transactions would be removed from account. This notification was received on XX/XX/XXXX. The fraud transactions have not yet be removed from my account. I have contracted Citi Master card multiple times both written and phone calls without resolution. Below is one my letters to Citi Master Card detailing the issue. Hello, On XX/XX/XXXX I received notification the billing dispute has been resolved and as a result the disputed charges and any related fees and interest charges have been removed. As of today XX/XX/XXXX at XXXX XXXX the disputed charges are still showing on my account along with an account balance of {$1500.00}, which includes the disbuted charges. The true account balance is {$0.00}. Please remove all transactions as stated in the letter ASAP and bring the current balance to {$0.00}. Disputed charges to be removed : XXXX Statement XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$1600.00} XX/XX/XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1600.00} XX/XX/XXXX Interest Charge on Purchase {$4.00} XXXX Statement XX/XX/XXXX XXXX XXXX to Acct {$1600.00} XX/XX/XXXX Interest Chrg Reversal - {$4.00} XX/XX/XXXX Credit Adj to Acct - {$1500.00} XX/XX/XXXX Credit Adj to Acct - {$1600.00} XXXX Statement XX/XX/XXXX XXXX XXXXXXXX {$1500.00} Recent Activity XXXX Credit Adjustment to your account - {$1500.00} XX/XX/XXXX XXXX {$1500.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VT
Zip: 054XX
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I call them servals times to update the address, and they keep charge me for late fees for something I'm not responsible for, I ask them to pay for the balance I did use.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 232XX
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/23 I transferred {$350.00} from my bank account to my new Citibank account I opened XX/XX/23 over the phone speaking to an agent, XXXX weeks later on XX/XX/23 they began closing the account out for no reason, without refunding my funds, spoke with XXXX who said his supervisor would not take the call XXXX refused to file this dispute seems like he didn't file my dispute because he knew my voice was connected to an XXXX XXXX face and for Citibank to take my money then close my account then allow their agents to not file a dispute seems very odd that a bank would not correct this issue sooner instead I am having to file a complaint to attempt to get my funds back since XXXX left me on hold never filing a dispute wasted an hour of my time with a bank that took my money and refused to refund any of it. on XXXX and I need my money since they have closed the account before this turns into an arbitration... also spoke with several agents who would leave me on hold or hang up on me and they are very bad for a bank that refused to refund my account for fraud ... .they are violating regulation e policy, from XXXX, XXXX XXXX and XXXX XXXX, all of the agents refused to correct this issue by filing a dispute wasting time and causing more issues when fraud when fraud was on my account, and i need my money
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29611
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: I spoke to them in XX/XX/2023 and Im not able to pay {$87.00} at all due to XXXX from XXXX XXXXthey still wanted me to pay even though the amount was smaller i still can not pay!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33314
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Citi Bank XXXX Costco Card Note, I try to use the card Three times after being told that the situation was fixed. I answered, the company did not give me the information because they actually gave me three different reasons for the decline, none of which were satisfactory. The lady XXXX, mentioned below, was going to give me perhaps a fourth reason for the decline, To which I replied that I wanted it in writing. She refused, and thats why I decided to come to you people as my last resort. XX/XX/XXXX, submitted application and credit card payment to XXXX XXXX XXXX for a travel visa, submission payment declined for incorrect information. Spoke with supervisor who tried to correct the system. She thought the air might be the last XXXX digits of a XXXX digit ZIP Code so she removed the last XXXX digits. She Try to help and said they would send me a letter of explanation that I was indeed, correct And shouldnt have any more problems with the card. XX/XX/XXXX, Didnt receive the letter, submitted payment to the XXXX XXXX XXXX XXXX submission declined. Spoke with supervisor who refused to accept my information. Supervisor, decline to send me a letter until I threatened to go to the sponsoring company, Costco, and raise XXXX at which time they said he would submit explanation letter explaining what happened to me. Again, never received it. Of course, I tried to use the card again assuming he had double checked everything. I never got the letter from either supervisor so I called back again, I believe it was on the XXXX XXXX I was told that the recipient of the credit charge, XXXX, kept refusing it, because of incorrect information. Supposedly, it was XXXX fault. This was not my error as I double checked my card number, expiration date and three digit code each time I attempted to make a charge. I am old but not stupid. To clarify, I was dealing with the XXXX XXXX XXXX in Washington DC NOT a travel agent, for the purpose of acquiring a visa to travel, XXXX is one of the largest banks in XXXX. As an aside, since XXXX to now, my statements showI had spent {$14000.00} using this same credit card. The fee for the XXXX XXXX was {$40.00}. Im not gon na get into the gory details, but I can tell you that after a minimum five+ hours of conversation With supervisors from Citi Bank , I was frustrated. I had heard XXXX different stories on why the charge did not go through, relying on all of them and resubmitting my card. I had spoken with XXXX XXXX at the XXXX XXXX XXXX visa section and told her of my difficulties. Finally, on the fourth day, I pulled out another credit card, which of course went through and also canceled the above numbered card and ask for a brand new one with new numbers, new expiration dates and new information. The person I spoke with on my reorder I believe was named XXXX, a lady, who was very cooperative And helpful. As for the two supervisors that was supposed to be helping me, I thought I was speaking to robots, smug robots at that. My last conversation with Citi Bank was this afternoon when an additional supervisor name, XXXX called me. She wanted to explain the whole thing however, in our last conversation, I was under the impression that I would get something in writing. I told her that the time for verbal explanations was long past and she had intimated I would get something in writing. The situation had progressed from just a mistake on a credit card by whomever to one of broken promises and bullying. I told her that if she wanted to explain what it happened, to please send it to me in writing, and she said she could not send anything in writing. Thats when I told her that I had to spend a minimum of five hours and probably a lot more hearing several different stories and then if she could not give me something, As intimated in our last conversation, that I had no time for her. The word that most applies in my mind to the way I have been treated by this massive financial institution is abusive. Costco appears to have done everything they could for me, all Im asking for is a real explanation in writing as to what occurred so that I can send it to the wrong XXXX XXXX, so they will understand why my credit card was turned down three times in a row. This has been a hardship and a personal embarrassment. I am a XXXX XXXX, having had XXXX XXXX XXXX of last year, and several years ago, I was opened up for a XXXX XXXX. I own a condo, and automobile, a motor scooter, and XXXX bank accounts in XXXX. My reputation is important, although apparently not to the nice folks at Citi Bank. Ive tried everything else, perhaps your agency can wake these people up. I have since received a new card with a new number XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33308
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Acct Name : BESTBUY/CBNA Acct # : XXXX To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX or XXXX ) credit report, and I noticed some Transactions posted on my credit report that is excluded my federal laws to my consumer reports! BESTBUY/CBNA account number XXXX Your company is in violation of the FCRA and XXXX Compliance and reporting violation. 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. On XX/XX/XXXX and XX/XX/XXXX you reported transactions from account # XXXX to my consumer report. The above section 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the person/ Corporation making the report is not included on the consumer reports yet you are reporting this information to my consumer reports! The reporting of excluded information pursuant 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) to a consumer report is Clear violation of XXXX compliance! Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reported on XX/XX/XXXX and XX/XX/XXXX Deleted from my consumer reports effective immediately. Now before you think to reply with validated, letters be clear I am not asking you to validate or verify anything so dont respond telling me that to waste my time! Furthermore 15 USC 1666b ( a ) ( a ) TIME TO MAKE PAYMENTS A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 150XX
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I am very concerned because my credit reports are showing discrepancies. I am a very concerned consumer and want only true information about me reporting. Please remove this inaccuatate information as you are in violation. According to the 15 USC 1681 there should be any damages on my credit report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11692
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Problem with a company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: Citi has violated both the Equal Credit Opportunity Act ( ECOA ) for failing to provide required credit denial information, and has violated the Fair Credit and Reporting Act ( FCRA ) for a failed reasonable investigation and identity theft credit inquiry removal. I am the victim of identity theft, and a fraudster attempted applications with multiple financial institutions on XX/XX/2023. These applications were luckily declined, with other financial institutions confirming the applications triggered their fraud alert systems as identity theft while routing from XXXX XXXX, IL. However, Citi continues to refuse removing their hard inquiry from my credit report in violation of the FCRA. I have requested Citi to confirm why the application was declined but they have failed per ECOA 1002.9. The denial information should inform Citi this was a fraudulent application. I have submitted all required information for this matter to be resolved in alignment with all federal regulations, but Citi has failed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 41017
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A