Date Received: 2023-10-08
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XX/XX/2023, I received an Alert from my XXXX account that the credit limit on my Home Depot credit card ( THD ) had been decreased from {$5000.00} to {$2500.00}. I called the number provided in the alert, XXXX, which was to CBNA, ( CITI Bank ) on XX/XX/2023, and they could give me no information as to why my credit limit was decreased. I then called The HomeDepot customer service number to complain and request a reason for this decrease. My Home Depot credit card was dormant and they could not give me a reason for the decrease. I was very upset to learn that my Credit Score went from XXXX to XXXX. I have not been late in paying back my monthly credit card bills. I asked Home Depot to increase my credit limit back to {$5000.00}, which they did, only because I wanted my Credit Score to go back to XXXX. I even made a purchase of {$4.00} on my Home Depot credit card. On XX/XX/2023, I complained to the Home Depot customer service that it was unfair that CITI Bank decreased my credit limit. When I never received a reply from CITI Bank, I called Home Depot Customer service again. On XX/XX/2023 I received an email from CITI Bank which said they dont discriminate but gave me no reason for the decrease. On XX/XX/2023 I received a Voicemail from CITI saying they will respond to me in writing. CITI had no reason to decrease my credit. It was unfair and caused my Credit Score to drop to XXXX. While XXXX is still an excellent Credit Score, they had no reason to decrease my Home Depot credit limit in the first place. CITI gave me no notice of their intentions. By decreasing my credit limit, I feel they implied that I wasnt a good credit risk. CITI should not be allowed to engage in such practices.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32962
Submitted Via: Web
Date Sent: 2023-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-08
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I applied for this CITI Card in 2008 and on the contractual document amended the language to show that after the initial 0 % for 12 months the 9.99 % interest rate would vary only with prime rate. This line was truck form the contract before sending in. By creating the account citi agreed to these terms. And for 10 years they maintained that. However, just recently they raised the interest rate to 25 % and didn't inform me. They used every sneaky trick in the book to get me to accept points, or 0 % but never did to maintain that 9.99 % interest rate. But it appears this company has gotten sneakier and less professional over the years. It's no wonder Americas Financial Future is in Jeopardy when you have thieves like CitiBank. I am a 16 year customer and have held this card since then. So disappointed in this company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97801
Submitted Via: Web
Date Sent: 2023-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-08
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 Wayfair card account was hacked and used to make purchases in XXXX. I had just paid off the card. I saw that the order was done by receiving an email that the items were ordered and delivered. This was on XX/XX/XXXX to XX/XX/XXXX. I called Wayfair and the representative stated that my account was hacked. They stopped that card and sent me a new one. I was told that I was not liable for the purchases. On XX/XX/XXXX I received a letter stating that I am liable for the purchases with no explanation. I have called Citibank and received no support or explanation as to why they made this determination. This has resulted in my credit score being lowered. They were not supportive at all. To be told that I was hacked and then held liable for the purchases is infuriating. The purchases total {$460.00}. I am writing for them to resolve this issue by not finding me liable for the charges and repair the negative impact on my credit score. All this company has done is harass me for the debt rather than support me through the process.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11422
Submitted Via: Web
Date Sent: 2023-10-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-08
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I purchased a ticket from XXXX XXXX and they offered a {$200.00} statement credit if I applied for the AAdvantage Citi Mastercard. I applied and was told they would get back to me. I completed my purchase, using another card. Three weeks later Citi approved my application, with no additional questions or contact with me. I called to see how they would apply the statement credit and they said I would have to buy another ticket, with XXXX XXXX, using the Citi card. I explained again and was treated very aggressively. I called back two more times, without resolution. On the fourth call I was finally allowed to speak to a supervisor who said the same thing, but gave a {$50.00} credit for the rudeness of his staff. Please advocate, on my behalf, and force Citi to honor their own promotion. I bought the ticket and I have the credit card. I would not have applied except for the offer. There was no notification that a delayed approval would negate the promotion and no explanation for the delay in approving my credit card application ( I have great credit ). Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92130
Submitted Via: Web
Date Sent: 2023-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-09
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: I received a credit report update on the XXXX XXXX apps credit journey feature and it said I had a new credit card opened in my name, naturally I panicked. I checked the details and it said I have a balance of {$59.00} and the bank is XXXX. The only remembrance of even applying for a credit check was for a XXXX XXXX credit pull because I was looking to finance a tv. However the credit I was approved for was less than I expected and I told them that I rather not open the credit card. I never received the card in the mail and I never activated anything. So you can see where I am confused at.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30135
Submitted Via: Web
Date Sent: 2023-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-08
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I deposited a Cashier 's Check from the XXXX XXXX XXXX across the street in the amount of excess of $ XXXX. The teller did not catch that the check was missing an endorsement and went ahead and deposited my check. XXXX XXXX XXXX paid this invalid check and Citi closed my account or " fraud ''. They have held my life savings for nearly 60 days. I keep getting different answers to if I will get my money back and nobody at Citi can provide any assistance. I have not been provided any documentation outlining the reason for the account closure and have not been provided a method to get my funds back. Citibank and stolen my money to invest and gain profit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94583
Submitted Via: Web
Date Sent: 2023-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-07
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: So, I had fraud on my account and they cancelled my card and sent me a new one. It took a week and a half to GET a NEW credit card. Then on XX/XX/23 there was a fraudulent transaction that I tried to address on their APP and website AND, they cancelled my credit card again! Said they would send a new one. 1. I have not received a new card yet. 2.They have not addressed the false charge that was not me and they won't give me a credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 816XX
Submitted Via: Web
Date Sent: 2023-10-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-08
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Re Costco Citi Visa : On XX/XX/23 I accidently missed XXXX on a XXXX XXXX statement balance. ( I paid XXXX of the balance ). On XX/XX/23 I realized the error when my XXXX statement showed an interest fee of XXXX. I called Citi and the rep said due to my exceptional payment history, he would credit back the XXXX. I immediately paid the overdue XXXX as well as the current charges on the XXXX statement. On XX/XX/23, I noticed on my XXXX statement that all of the above listed payments were accounted for and paid on time. Yet now I am charged another XXXX interest charge. I called Citi and talked to a rep and the supervisor. They both said that I would always be charged 2 months interest on a missed payment due to " residual interest '' and that their computers will not let them do anything about it because I already had the XXXX waived. This is regardless that I had made all payments on time. So in summary, Citi is charging me XXXX interest on a XXXX delinquent payment that was supposedly removed a month earlier. This sounds illegal to me, or at least it should be.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 231XX
Submitted Via: Web
Date Sent: 2023-10-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-07
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My Citibank checking account was closed shortly after I deposited a check, around the date of XX/XX/XXXX. I called the company on XX/XX/XXXX and was told I deposited a " stolen check ''. The check I deposited was not stolen. It was a gift from my parents. I'm a single mother and am going through a difficult time financially, so they sent me some money for my birthday. Citibank immediately restricted access to my account and sent me an email stating that my account was closing and that my debit card was canceled. I called Citibank and spoke to XXXX different people. XXXX of them called the sender of the check and verified that it was not fraudulent. He stated he could not reopen my account, though. So, I started out being a struggling single parent and now I'm literally a broke single parent. This is unacceptable. I did not commit any crime or violate Citibank 's agreement in any way. I need my account opened so I can get to my money. Thanks.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 063XX
Submitted Via: Web
Date Sent: 2023-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: These accounts are ran as a charge off But i never receive any of the 1099 cancellation of debt form. In accordance with the fair credit reporting act convergent account numbers XXXX XXXX XXXX Account # XXXX XXXX- Account # XXXX Has violated my rights 15 U.S.C16 81 section 602A. States I have the right to privacy. 15 U.S.C 1681 section 604A. Section 2 : also states a consumer reporting agency can not furnish an account with my information. The accounts listed above not only are in accurate but also reporting as ( PAST DUE ) on my report which is a VIOLATIONS. Continuing to collect on a closed ( debt ) account after it has been sold unlawfully theres also a violation to a third-party damaging why credit leading me further to financial hardship. In accordance with the fair credit reporting act convergent account numbers XXXX XXXX XXXX- Account # XXXX XXXX- Account # XXXX XXXX- Account # XXXX XXXX- Account # XXXX All accounts from these companies Has violated my rights 15 U.S.C16 81 section 602A. States I have the right to privacy. 15 U.S.C 1681 section 604A. Section 2 : also states a consumer reporting agency can not furnish an account with my consent. The accounts listed above not only are in accurate but also reporting as ( PAST DUE ) on my report which is a VIOLATIONS. Continuing to collect on a closed ( debt ) account after it has been sold unlawfully theres also a violation to a third-party damaging why credit leading me further to financial hardship.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 62040
Submitted Via: Web
Date Sent: 2023-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A