Date Received: 2023-10-06
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I first learned of this problem when I received my monthly Sunoco card statement dated XX/XX/. It showed two transactions for unleaded gas on XX/XX/2023. The first transaction was In the amount of {$49.00} for XXXX gallons of unleaded gasoline, and the second transaction was In the amount of {$83.00} for XXXX gallons of unleaded gasoline. Both transactions were at the same merchant and location, XXXX XXXXXXXX, XXXX XXXX XXXX. in XXXX, Maine. I requested information from XXXX. XXXX, the merchant operating the Sunoco pumps. Using video, the merchant was able to confirm that my wifes Sunoco card information was used twice on the same day and at the same pump, in successive transactions ( with successive invoice numbers ), even though my wife withdrew her card from the pump after her transaction. In addition, the gallonage pumped in the second transaction was in excess of 1 1/2 times the maximum capacity of our car. I then contacted Sunoco customer service, using the phone number on my Sunoco card. The representative called up the two transactions and immediately agreed that the second transaction was fraudulent. The representative therefore canceled my wifes card, initiated a dispute, and issued a credit in the amount of the fraudulent transaction. Subsequently, however, I received a letter from Sunoco Security Operations denying my claim, also denying that I had identified any transaction, and claiming that there was not enough information to resolve the dispute in my favor. I am therefore appealing to CFPB out of a conviction that, either there has been some mixup on Sunocos part, or Sunoco is intentionally obstructing a legitimate claim. I would appreciate it if CFPB would intervene with Sunoco Security Operations to resolve the dispute, which is clear-cut and in our favor. Even the merchant ( XXXX XXXX ) agrees with this.
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: 2023-10-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-06
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I received a notice on XX/XX/2023 from XXXX XXXX that my account was going to be closed due to " Unsatisfactory credit and/or derogatory public record references ''. But they didn't how they determined this. No credit bureau information was listed. I have credit scores from all XXXX companies in the high XXXX, and I have never paid a credit card or loan late, so this is a complete shock to me. I tried to call their number but they said I had to do it in writing. So I wrote them a letter. This week it was reported on my XXXX credit report that XXXX had closed my account. But they never bothered to get back to me. I got a notice today saying they needed to get in touch with me. So I called the number on the notice, but there was no way to talk to a human being. I don't care about my credit card since I don't really use it, but it really disturbs me that they are saying I have bad credit when I don't.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20785
Submitted Via: Web
Date Sent: 2023-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-06
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: Hello CFPB team, I opened my Citi bank account ( account number : XXXX ) in branch using the {$2000.00} special offer ( XXXX ). I met the conditions for {$500.00} tier bonus outlined below but am yet to receive the bonus. Account Opened in branch : XX/XX/2023 Deposited more than XXXX by XX/XX/2023 Maintained the amount till XX/XX/2023 I contacted the company about the missing bonus and they mentioned that I didnt meet one of the term attached to the bonus ( Citi Response 1 ). The term they are referring to is New-to-Citibank customers. They refer to the fact that I tried to open an account in XX/XX/2023. I agree with them that I submitted my application to open the Citibank account ( XX/XX/2023 ). However, in response to my application I received the attached letter ( Citibank - Denial of account opening ) which clearly indicates " We have completed our review of your account application and regret that an account can not be opened for you at this time ... ''. In addition, I received the check of {$25.00} which was the initial opening deposit that I submitted with my application. This letter confirms that Citibank denied my account opening application in XX/XX/2023 and therefore I didnt violate the terms and conditions of the bonus in XX/XX/2023. And I confirmed that with the Citibank branch representative. Before opening the account at the branch, I actually asked the Citibank representative who opened the account : would my previous application of XX/XX/2023 make me ineligible? They suggested that the attached response letter from Citibank suggests that Citibank was not able to open the account so I should be safe with terms and conditions. This was confirmed by the colleague ( another Citibank employee in the branch ) who assisted the employee opening the account. I contacted CitiBank again citing 1 ) their own letter and 2 ) confirmation by their own employee that I met the terms and conditions of the bonus. However, to this request, their only response was that their decision remains unchanged ( attached letter Citi Response 2 ). I would like Citibank to kindly review my case and post the promised bonus to my account as per the terms and conditions Kind Regards,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02478
Submitted Via: Web
Date Sent: 2023-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-06
Issue: Problem with a company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: Hi, In XX/XX/XXXX ( COVID pandemic started ), I could not make payments on my CITIBANK personal loan. I visited the nearby agency in XXXX XXXX, CA, hoping for assistance, but they directed me to call a specific number. I diligently made multiple calls, enduring over two hours of wait time on each attempt, yet I never managed to speak with a representative. Frustrated by the lack of communication, I decided not to make my loan payment for XX/XX/, hoping that someone from CITIBANK would eventually reach out, allowing me to explain my situation. However, XX/XX/XXXX came and went without payment from me. I resumed making payments in XXXX, but unfortunately, a " LATE PAYMENT '' notation appeared on my credit score due to that missed payment. I have made numerous attempts to rectify this situation by contacting Citibank and disputing it with XXXX, but regrettably, I have not seen any positive resolution. Since this incident during the early days of the COVID-19 pandemic, I have consistently honored all my financial obligations on time. I hope you can assist in resolving this matter, as the persistent presence of this " LATE PAYMENT '' on my credit score has significantly impacted my overall credit rating. Unfortunately, I have nothing to document this since everything was over the phone or verbally to an agent. Thank you. All the best,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33064
Submitted Via: Web
Date Sent: 2023-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-06
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: There were several fraudulent charges from XXXX, XXXX and XXXX on my City XXXX XXXX Card out of XXXX XXXX XXXX XXXX XXXX, SD XXXX. The charges were made in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX and XXXX and I did not make any of them. I was in XXXX these last 7 months ( overseeing my mom 's death, last will and testament /paperwork/inheritance ). I called them from XXXX, XXXX to let them know I had not made those fraudulent charges and asked them to close my account and dispute the charges. They said there would do an investigation, but in the meanwhile the XXXX charges were made even though i had asked them to stop and close the account. I thought the problem had been resolved and I just came back to XXXX XXXX XXXX, 2023... .just to find all these past months the City XXXX XXXX Card has been charging me with LATE FEE PAYMENTS and INTEREST CHARGES on the fraudulent charges I had disputed. I have called them 4 times these last week and they keep on transferring me to different departments that just give me the run around and have not resolved the issue in over 4 months. Also, every time I call I get XXXX representatives and it is super hard to understand what they are saying. It is very frustrating trying to speak with them. I should not have to pay for late fees for fraudulent charges I did not make. Every time I call them they transfer me at least XXXX different times to representatives who can not help me and put me on hold for long time at a time. No one has been able to help me solve this matter. They told me they had already removed the fraudulent charges, but they still want me to pay for the All i want is for the LATE FEE PAYMENTS AND INTEREST CHARGES. Please help. So far it has been a really pain in the neck just trying to communicate with them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77373
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-06
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I noticed some unauthorized inquires on my report and in accordance with the FCRA I'd would like to have them removed IMMEDIATELY.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85132
Submitted Via: Web
Date Sent: 2023-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-06
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I opened both a savings and checking account with Citibank in XXXX based on their advertised high interest rate. I transferred {$250000.00} to the savings account and had a little over {$10000.00} in the checking account. My daughter and husband then moved from XXXX Oregon to XXXX, PA and needed help buying their home so I wire transferred from my Citibank checking account {$100000.00} to the Realty company. There was a fraud alert based on the amount and I responded to confirming the legitimacy of the transaction and the wire went through. I then got notification that both my accounts were being terminated without explanation. I placed multiple calls to Citibank and was told I would receive a letter and my funds in XXXX days. I have not received a letter or my funds. I went online and have found numerous complaints regarding Citibank of similar nature. I understand banks have the right to terminate without cause but do they have the right to freeze and hold my funds over {$150000.00} collecting interest while I have no apparent recourse.
Company Response:
State: PA
Zip: 17543
Submitted Via: Web
Date Sent: 2023-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-06
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: During a very harsh personal situation - XXXX XXXX, I received a phone call from Citibank asking me if I used the Citibank/Home Depot card lately. I told them that I never used this card since XXXX time frame when I needed it to get new windows for my house. I also mentioned to them that I did not know that I still have credit with them, more exactly {$5000.00} credit that they assigned me. During the summer, I received a few calls and an email + online receipts from somebody from Citibank trying to push me onto recognizing the purchases. I did not recognize those purchases made online since my card was not used to make those purchases. After a provisory credit of 2 months, and they never sent me a letter to announce that the provisional credit had stopped. The Citibank/Home Depot bills started in XXXX. Since then, they are coming regularly with added monthly interest. To me this is a very clear case of cybersecurity theft and a credit cards behavior of getting their money back on the expense of customers like me. I do not understand why should I pay for bills/purchases that I never made nor that somebody authorized by me made those purchases. All the Home Depot purchases that I made this XXXX were purchases made and paid by phone, with my XXXX card. I completed a police report ( on XX/XX/2023 ) and contacted XXXX and XXXX XXXX. I plan to contact XXXX as well, I will also contact the CitiBank/Home Deport card suc as to consider an appeal.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 12180
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-06
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Citibank closed 3 credit cards. Reason late payments and returned check These accounts were never late
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75071
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: 3 years ago purchased a PC from Best buy when I was ready to pay the sales person told me that I can save 15 % if I used their credit card. I agree got home and cut their credit card, two weeks latter they send me bill for the PC, I paid the full amount with my credit card that I have for more than 10 years. Last year when I was overseas keep getting messages that I was late in my payments to Citibank I keep ignoring it because I never had any purchase with their card since I don't have a credit card with them. At my return went to Best Buy and complained of the charges from Best Buy that I never had, the attendant went to talk to someone an at his return he said do not worry they think it is a scam. Thank you XXXX XXXX XXXX. The collecting agency is XXXX XXXX XXXX XXXX, CA XXXX Ph ( XXXX ) XXXX REF XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 52302
Submitted Via: Web
Date Sent: 2023-10-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A