Date Received: 2023-10-10
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: My credit card was charged on XX/XX/2023, for {$870.00} in a home depot store. The card was in my possession at that time, and I was not at that store. Citi claims that since the card was used by chip, I am responsible for payment. I checked on public records, and saw that in year 2023, credit card chips can be counterfeit, so I should not be responsible for this unauthorized charge. Citi as well gave me the sales receipt with a unknown signature that's not from me, or anyone I know with items I never purchased.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10314
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-10
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: XX/XX/2023 - Initiated a payment via XXXXXXXX XXXX to Citi Bank. By mistake, I paid {$9000.00} instead of {$1000.00}. XX/XX/2023 - {$9000.00} withdrawn from bank account by billpayer XX/XX/2023 - Over payment {$9000.00} posted to Citi Cards XX/XX/2023 - Called Citi Cards to request an overpayment refund. Was told I could get a refund check in 2-3 week. I escalated the call to a supervisor and was told I could get a refund to my bank via EFT in 2-3 days XX/XX/2023 - No refund. Called Citi Cards & was told it would take another 2- 3 days. XX/XX/2023 - Call to request a refund again - was told it was in a supervisors hands to approve in the next 2 days. In no case did any customer service representative indicate that it would take this long for a refund. In every case they followed a script and lied about the status. No one from Citi Cards ever called to verify my request.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 299XX
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-10
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: From XX/XX/XXXX to XX/XX/XXXX {$6100.00} in fraudulent transactions were charged to my Citibank credit card. The transactions happened online and physically in multiple states including Texas, California, Utah, Arkansas, Maine and Washington. In XXXX XXXX XXXX I had a XXXX balance, had not used the card since before then, and so was not receiving statements. I never received notification from Citibank related to any suspicious activity ( nothing by U.S. mail, not a phone call, not a text ). In XXXXXXXX XXXX XXXXXXXX, Citibank sent me an offer in the mail to increase my available credit. I responded via phone call, and that's when I was notified of the past due outstanding balance. Citibank claims that they sent me a new card in XXXX XXXX XXXX, and that I am responsible for the charges made in Texas. I have repeatedly explained that all of the charges are fraudulent, and that I never received the card. I filed reports with the local police, and The Federal Trade Commission. I have put a quick lock on my Citibank accounts, and a freeze on my credit with the XXXX major credit bureaus. {$4100.00} has been credited back to my account. {$2200.00}, which included {$190.00} in interest and late fees, has not been credited. I sent a letter requesting their investigation be reopened. Citibank 's security operations manager told me to stop calling or I would receive a letter in the mail telling me to stop calling.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77379
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-10
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: In XX/XX/2022, Citi said my account had no transactions in the XXXX months prior and froze/deactivated my account. In XXXX I was told to mail in a signed letter or go to a local branch. I am not currently in the USA, so I mailed in the letter, exactly as they requested. They DID NOT request for the letter to be notarized/apostilled. The letter was sent on XX/XX/XXXX. I was informed by the carrier that the letter was delivered on XX/XX/XXXX. I called at least once each month in XXXX, XXXX, XXXX and XXXX to see if the letter had been received by the correct department. In XXXX I was informed that the letter arrived on the XXXX and was being redirected to the responsible department in XXXX XXXX. I was informed by XXXX attendants that the letter was received correctly and that the account should be reactivated within XXXX days. I kept on calling to get updates until I was told that I had to mail in a notarized letter. After inquiring as to why, the attendant told me the letter had to go through the Consulate to have my signature verified. I am too far from the consulate, already spent over {$20.00} to mail in the letter. I have over {$2000.00} which is costing me over {$10.00} per month as I want to move the money to an account with a 5 % yield. Its been a TERRIBLE experience and I have been misinformed and mistreated by Citi. I request either for my account to be reactivated or for the funds to be sent to another account under my name and Social Security and for my account to be closed. I tried for over XXXX months to have my account reactivated directly with Citi, which turned out to be impossible. Thank you. 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: 2023-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-10
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I have multiple reports of trying to reach out to these companies and try to settle and/ or have these removed. Creditor : XXXXXXXX XXXX sent me to a third party XXXX XXXX and they are trying to get {$380.00} from me but they were already paid and removed from my report by a debt condsolidation company. All of these have been disputed with the debt consolidation company and they were resolved yet they have not been removed off of my credit report. I am asking to have these collections removed. XXXX cXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX citi, citi XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are all listed on my credit report as paid but charged off. This is wrong as an account can not be listed as charged-off and paid on my credit report the remark is incorrect and I would like to have it removed. I have been sending them letters since XX/XX/2023 with the latest letters being sent on XX/XX/2023 and have given them all enough time to get these removed without having to get you involved but it is not working and I need help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 40004
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-10
Issue: Charged upfront or unexpected fees
Subissue:
Consumer Complaint: I had a Promotional Purchase from Home Depot for Refurbishing my bedrooms bathroom for {$10.00}, XXXX with no interest for 18 months. I had made total payments of {$5100.00} at the end of the promotional, which left a balance of {$480000.00} in XXXX XXXX My problem is Home Depot is charging me the interest on the original purchase ( {$10000.00} ) instead on the current balance ( {$4800.00} ) as of XX/XX/. I have reached out to them on about 4 times trying to make a settlement, but each time, they have refused to settle.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-29
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: I originally had a my best buy store card with an {$8000.00} credit limit which had never missed a payment on. I had a balance of just under {$2000.00} but with promotions which made it 0 % APR for 12 months. On XX/XX/XXXX I got my mail and received a letter from Best Buy stating that they have upgraded my store card to a XXXX card and that they would transfer all my balances over to it. I never authorized this change and never wanted an upgraded card. On the same day, XX/XX/XXXX I called the customer service line on the back of my original store card ( XXXX ) and asked why they changed my card without my permission. They said they they sent me mail in XXXX asking to me to either authorize this change or opt-out, but I never received said mail. I asked to speak to a supervisor about this because the original customer service representative told me that it was past the point of return and I would have to stick to the new XXXX card. After speaking with the supervisor he ensured me that the card could indeed be reverted to my original store card and that nothing would change, including the card numbers from my original card. On XX/XX/XXXX I called again to ask for an update on the changes because I received a new statement from Best Buy stating that my card was still a XXXX card, still never one I agreed to have. After speaking with a representative again and getting the same speech of it not being reverted, I asked for a supervisor. When I was transferred they told me that they have no record of me ever having called them about the issue and I was stuck with the new card whether I liked it or not. ( How could they not know I called if I literally received emails after that call to review the service? ) I asked to speak to a different manager, and they told me my only option was to pay off the balance in full, close the card, and re-apply for the store card again. They forced me to pay off a promotional balance with a 0 % APR and close the card. Then they told me that if I wanted my original card, I would have to reapply, which would mean a hit to my credit score. How can credit card companies force their customers to pay off a balance with a promotional APR in full just so I don't get the 0 % interest benefit for the year??
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46845
Submitted Via: Web
Date Sent: 2023-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-29
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: For the last couple of days, my wife and I have received phone calls for some sort of debt collection. So I called them back, and they verified the last 4 of my soc sec number. Then proceeded to say that I am being sued for over {$5000.00}. I asked from who, they said from citibank in 2002. I said that's a very long time ago, I'm gon na need a validation letter, contact info for the rwp at citibank, and info on what exactly the money was for. He said he would have that for me in court. He said they would put a lien on my vehicle, house, and banking account. I told him he isn't getting any money from me until my requests are met. Then he got verbally aggressive, threatening to beat me up, my wife heard this and started yelling at him. He then was very disrespectful to her, calling her a horse and asking me to keep her out of a man 's conversation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NE
Zip: 68135
Submitted Via: Web
Date Sent: 2023-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-29
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I recently obtained a copy of my credit report from XXXX, XXXX, and XXXX, and I noticed that there were several inquiries that I did not authorize or recognize. My concern is that these unauthorized inquiries are having a negative impact on my credit score and making it more difficult for me to obtain credit. I have already contacted the three credit bureaus with no real solutions. Therefore, I am requesting your assistance in investigating this matter and ensuring that my credit report is made accurate. I have also attached a copy of my fct report please review it and remove all of the unauthorized inquires because i was unable to list them all here. I appreciate your time and attention to this matter. I look forward to hearing from you soon. By : XXXX : Whiting All Rights Reserved
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78573
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-10
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I did not authorize any of these inquiries : XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX All Banks XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX CITIBANK NA., BEST XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX Credit Unions XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX Credit Unions XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX All Banks XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX All Banks ( XXXX ) XXXX CBNA Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX All Banks ( XXXX ) XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX Auto Financing XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX Auto Financing
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 972XX
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A