Date Received: 2024-02-23
Issue: Getting a credit card
Subissue: Problem getting a working replacement card
Consumer Complaint: Letter written to Citibank after repeated phone calls with no results. XXXX, XXXX, XXXX Ref : AA Executive Citi card # XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX - XXXX Dear XXXX XXXX, I am very sorry to have to resort to writing to you in order to resolve an issue created by Citicard. But repeated communication have provided no satisfactory results. While in XXXX XXXX on a 6 weeks trip, XX/XX/year>, I received an urgent message from Citi saying to contact them due to a recent fraud charges on my AA executive card. Of course, the toll free number did not work from XXXX, so I found a local US prefix I could use. I contacted Citi and told them the charge from XXXX was not mine. The representative informed me that the card would have to be cancelled. I told him there was no place to send me a card since I was traveling until XXXX, XXXX. He said NO PROBLEM, I could contact Citi upon my return and a new card would be sent. Of note, the card was no longer available for my use and many reservations charges to the card had to be changed to another card. Upon my return, XXXX, XXXX, I called Citi and after be transferred 5 times got a person who indicted he would look into the issues and get back to me. Of note, I paid the annual fee, around {$600.00}, in XXXX XXXX. The supervisor did call me the next day but indicated he needed more time. For some reason, Citi HAD PUT THE ACCOUNT INACTIVE. I asked for a new card since I had paid the annual fee. The next day I received an email indicating a message from Citi- upon review It stated my account was closed. I never requested the account closed. I requested a new card. I really do not understand why I was treated this unfair way. With Amex Platinum then this same thing occurred, I was sent a new card with a new number. I would like my account reopened or a new account created. I can not believe that this is not possible, especially since I paid the annual fee. I have over XXXX XXXX miles on AA so I do use the card. I know my credit history is readily available. At the lease, Citi should have opened a new account and given me credit for the annual fee. Luckily during my travels, I carry several credit card. I hope you can assist in resolving this issue. I have been a good customer. XXXX XXXX till XXXX, XXXX address XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-02-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-23
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I applied online for a promotional offer. They approved me. I spent money on the card to start getting my award. They then said I had it 3 years ago I need to wait 4 years. I said you approved me. I spent the money and now you say this. They did not disclose this before approving me. They could have rejected me or let me know ahead of time. That information was not clear in the advertisement. I sent them photos. I called and explained the situation several times. After being denied by letter on XX/XX/XXXX I spoke to a manager, XXXX who gave me a small XXXX compensation in miles and {$100.00} statement credit. He said he will re submit the information. I called back again XX/XX/XXXX the man XXXX said they were still waiting for a response. I called back on XXXX XXXX and the girl said to check on my next statement. I have not received any further information or credits or bonus miles. I called today XX/XX/XXXX. The man, XXXX said it was rejected, but I never got a second letter or response. He said this information is usually hidden in the fine print and he can not to anything more to help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94546
Submitted Via: Web
Date Sent: 2024-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-23
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 am writing to you with the utmost urgency and a significant level of distress regarding the handling of fraudulent charges on my Citibank MasterCard ending in XXXX. This letter serves as a formal demand for the immediate reversal of XXXX unauthorized transactions amounting to {$99.00} each, which were wrongfully reinstated on my account following an investigation by your team. On XX/XX/XXXX, while attempting to purchase a XXXX XXXX online and using XXXX linked to my Citibank card for added security, my account was compromised, resulting in immediate unauthorized subscription charges from several suspicious entities. Upon noticing these transactions, I adhered to the advised protocol by first contacting XXXX and subsequently Citibank to report the fraudulent activity. Citibank 's response was to cancel my card and reassure me of the protection I was entitled to against such unauthorized charges. However, to my dismay, I was informed via a letter in XX/XX/XXXX that, after your investigation into these transactions, the decision was made to reverse the credits initially provided and hold me accountable for the charges in question. This decision is not only unacceptable, but it directly contradicts the assurances of fraud protection I was given at the time of reporting the incident. I must emphasize that these charges are fraudulent, and I neither authorized nor received any services or goods in connection with these transactions. It is imperative to understand that holding me liable for these charges not only constitutes a severe breach of trust but also neglects the consumer protection rights afforded to me under the law. I trust that Citibank values its customers and their security and that you will rectify this situation without further delay. Failure to resolve this matter satisfactorily will compel me to escalate this issue through legal channels and consider transferring my banking needs to an institution with a more reliable fraud protection policy. I expect a prompt response to this letter, no later than [ specific deadline, e.g., two weeks from the date of the letter ], detailing the actions Citibank will take to resolve this issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 750XX
Submitted Via: Web
Date Sent: 2024-02-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-23
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: THD/CBNA Account type - Credit card Date opened - XXXX XXXX XXXX Address THD/CBNA XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Above Account created under THD/CBNA without my consent. It does not belong to me and should be deleted and removed from all three credit bureaus under my credit file immediately please. According to15 U.S. Code 1692j a person shall not furnish any information relating to a consumer reporting agency if the person knows or has a reasonable cause to believe that information is inaccurate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 17050
Submitted Via: Web
Date Sent: 2024-02-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-23
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: XX/XX/year> : I called Citi XXXX regarding a charge that was made on my credit card. The company who charged me was XXXX XXXX and it was for {$10000.00}. I explained to XXXX that this charge was completed under duress. I was forced to complete the purchase and sign the contract out of fear for my safety as well as the safety of my daughters. I was in XXXX and was held in an office for over two hours, separated from my daughters and told that if I did not complete the transaction, then I would spend the rest of my vacation in a court room explaining to a judge why I had committed fraud. It was all lies and power plays, but the fact was that I was in another country forced to remain in an office until I complied. An investigation was opened. XX/XX/year> : I received an email from XXXX stating that I was responsible for the charge and that the investigation was closed. I called XXXX and asked how/why they had come to this conclusion and I was told that it was because I had not provided enough documentation to prove that I had tried to cancel the purchase within the time allowed on the contract. I explained that I had not tried to cancel it. My reason for the dispute was that I was forced to complete a transaction under duress. My dispute has been reopened by Citi XXXX. Since then, I have submitted a formal request via email to XXXX XXXX to cancel my contract and return my money. They have not responded. I called Interval to see if XXXX XXXX had actually submitted my paperwork to be a member. I was told that there is no record in my name, my married name, or with my phone number. I asked for a written statement and was told to email them for that request. I emailed them and have not received a response. All of this is documented in the timeline I am attaching. XXXX XXXX needs to be addressed for their fraudulent tactics and Citi XXXX needs to do more to support their customers during a dispute. The card still has my married name, not my current legal name.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55126
Submitted Via: Web
Date Sent: 2024-02-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-23
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I am a member of Citibank with a Priority status and a member of XXXX. I applied for their credit card and was rejected on the following grounds : Your credit report shows : too few accounts currently paid as agreed ; a lack of recent installment loan application ; no recent revolving balances ; too few accounts with payment information. I have a Citibank credit card which I use regularly and pay on time. I have had this card for many years plus several others in the past. My credit score is quite high and I have an income of over {$75000.00} a year plus substantial savings. I am retired and don't own a home and have never had a mortgage. Their is no legitimate reason for this rejection and they refused to explain the rationale for it. I spoke with XXXX and they had no problem with my credit worthiness. I consider this discriminatory. They have no legitimate reason to deny me the card. I suspect they want people who run up debt and pay interest which I do not do. Further, this rejection is likely to prevent me from getting a credit card from another vendor. What is the reason for this nonsense?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10040
Submitted Via: Web
Date Sent: 2024-02-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-24
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I had my federal taxes come into my account on XXXX XXXX 2023 I been buying the things that I needed for my apartment I noticed my card stopped working when I try to make a purchase on XXXX so I first called citibank at XXXX they open the account for me but then later at XXXX I was at XXXX trying to pay off my phone my card started to decline again so I called again they told me that they fixed it but it was still declining so I told them that I would go into the branch to pull money out which I did I took out {$3400.00} and left {$2700.00} in my account but then I try to log into my account but couldn't so I called to fix out why not and I was told they closed my account but couldn't tell me why not to mention I only got one email about fraud from them
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11224
Submitted Via: Web
Date Sent: 2024-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-23
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Company involved : CitiBank Type : Fraudulent withdraw Request : Video proof of who withdrew that money to prove my innocence and get my money back. Action taken by me : provided GPS location proof of that day to CitiBank, as well as security camera footage at the company. **** This case was originally filed in XXXX, California where I live, but was told by the XXXX police, XXXX XXXX Badge # XXXX that it has been transferred to XXXX XXXX XXXX on XX/XX/2023 due to the crime actually occurred there. XXXX Police Report ( Incident Report Request ) # XXXX. XXXX Incident Report # XXXX On XX/XX/2023, there were fraudulent in-person withdraw at a teller from my banking account at the CitiBank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. The person has used a fake ID and a different signature from mine to make the withdraw. There were 2 fraudulent withdraws at the bank teller ( {$9000.00} & {$8500.00} ) and 1 with a fake check ( {$4200.00} ). When this was happening, I was in XXXX XXXX working and have shown as much proof as possible to my local CitiBank for a refund. CitiBank is insisting that because the withdraw was made in person in XXXX XXXX, that I was the one that committed the crime and keep closing the case. No matter how many times the case has been reopened and reinvestigated, CitiBank insists that I am in the wrong. With the withdraw being at a teller, there must be a video proof. I would like a copy of the video. All I want is to get my money back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90505
Submitted Via: Web
Date Sent: 2024-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-24
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I've have my account open since XXXX and have been on automatic payments for several years without fail. Starting in XXXX my minimum payment increased, however Bloomingdales failed to deduct enough money on my automatic payments to cover the minimum payment and charged a late fee two months in a row ( XXXX and XXXX ), however continued to deduct my automatic payment and continued to charge these junk fee 's. This is a very deceptive practice of bloomingdales credit services. When I attempted to contact them via their secure messaging, there was no response about the problem and only that their secure messaging box was no longer monitored. When I attempted to contact customer service about the issue, I was disconnected after going throgh the prompts to speak with a customer service representiatve.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92780
Submitted Via: Web
Date Sent: 2024-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-24
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XX/XX/XXXX I sent a letter to dispute the amount and if the debt is mine on my Citifinancial Credit Card. The XXXX time XXXX @ XXXX PA from XXXX, MN that I just got diagnosed with Bipolar XXXX disorder on XXXX XXXX during the time frame between XXXX til XXXX I was manic with complete XXXX out episode lasting months at a time. Citifinancial closed my account around XX/XX/XXXX. When XXXX called the XXXX time sometime in XXXX I told them about my bipolar XXXX disorder and I was having complete XXXX out episodes. I don't remember using my credit card at all in XXXX and XXXX. When they called the XXXX time i explained the situation to them. They said it's all your debt. from all reviews on line it appears XXXX @ XXXX XXXX is very aggressive and effective in collecting debt. I just need some help, it feels like they have no conscience about how they collect the debt, as long as they get the money by any means possible.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ND
Zip: 58701
Submitted Via: Web
Date Sent: 2024-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A