Date Received: 2023-10-01
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 am writing to bring to your attention a pressing matter concerning a recent transaction on my credit card account, which I firmly believe necessitates an immediate chargeback. The details of the issue are as follows : Transaction Details : Transaction Date : XX/XX/XXXX Transaction Amount : {$790.00} Merchant Name : XXXX Description of Goods/Services : Unauthorized charge for services not agreed upon The heart of this matter lies in the unauthorized charge of {$790.00}, which was processed on XX/XX/XXXX by XXXX. I wish to underscore that I did not authorize or consent to this transaction in any form or manner. Moreover, my concern deepens as I discovered that XXXX had conspicuously omitted essential legal and ethical obligations in their operations, which I believe violate both California and Federal Law. My efforts to communicate this issue with them have been met with resistance and evasion. Key Issues : Missing Terms of Service and Privacy Policies : XXXX failed to provide Terms of Service and Privacy Policies on their website at the time of signup, which is a critical requirement. I have attached documented evidence demonstrating this omission. Failure to Present Clear Auto-Renewal Terms : The auto-renewal offer terms, as mandated by law, were not presented clearly and conspicuously during the checkout process. This violates the requirement that such terms must be distinguishable, clear, and easily noticeable. Lack of Post-Sale Acknowledgment : No post-sale acknowledgment, such as an email outlining the auto-renewal terms, was provided to me after enrolling with XXXX This is violation of California Law. Absence of Cancellation Instructions : XXXX did not furnish me with any information on how to cancel the trial period, either during account creation, signup, or thereafter. This is also a violation of California Law Given these glaring irregularities and the unresponsive nature of the merchant, I kindly request your assistance in initiating a chargeback for this unauthorized transaction. It is my sincere belief that the circumstances surrounding this charge are in clear violation of the terms and conditions set forth by your credit card company. I am prepared to provide any further documentation or information required to facilitate a swift resolution to this matter. I appreciate your prompt attention to this urgent issue and trust that your company 's commitment to its cardholders ' rights and ethical business practices will lead to a fair and just resolution. Contact with XXXX : On XX/XX/XXXX I reached out to XXXX through the chat prompt they have on their site, but no one responded. It took me until XX/XX/XXXX to track down further contact information and email them about the charge. XXXX responded with the following on XX/XX/XXXX : XXXX XXXX XXXX Tue, XX/XX/XXXX, XXXX to me Hi XXXX , Thank you for reaching out to us. We understand your concern regarding the subscription charge after the 2-week free trial period. We'd like to clarify that during the sign-up process for the free trial, it is mentioned that the subscription will automatically start after the trial period ends, and the chosen payment method will be charged accordingly. This information is provided in our terms of service and on the free trial sign-up page ( screenshot attached ). As you have used our service for the trial duration, your subscription was automatically activated at the end of the trial period. This enables you to continue using our service without any interruption. However, we value your satisfaction as a customer and would like to find a suitable resolution for you. While we are unable to process a refund for the subscription, we would be happy to discuss other options that may better suit your needs. For instance, we can adjust the subscription plan, extend your current subscription, or offer you a credit toward future use. Please let us know how you would like to proceed, and we will do our best to assist you. Our aim is to ensure that you have a positive experience with our service. Thank you for your understanding, and we look forward to resolving this matter to your satisfaction. XXXX Team I responded with the following on XX/XX/XXXX : XXXX XXXX XXXX Attachments XX/XX/XXXX, XXXX to Support Hi, Thank you for your response, but this is not a suitable resolution. First off, your service really didn't work very well during the trial period for a couple of days I used it. As far as the renewal, you are in violation of several California laws under Californias Automatic Renewal Law. Your terms of service do not load - see attachment Your privacy terms do not load - see attachment Automatic renewal offer terms must be presented to the consumer both before the purchasing contract is fulfilled and after enrollment in the form of an email or other post-sale acknowledgment. I never received this. During checkout, terms must be presented clearly and conspicuously so that they can be distinguished from the rest of the offer. This means that the text of the auto-renewal offer should be : In larger type than the surrounding text, In contrasting type, font, or color to the surrounding text of the same size, Set off from the surrounding text of the same size by symbols or other marks in a manner that clearly calls attention to the language. These are just a few of the violations. I am requesting a full refund, or I will submit a complaint to the Attorney General 's office and pursue further remedies as need be. Thank you. Best, XXXX I sent a follow-up message on XX/XX/XXXX as I received no response : XXXX XXXX XXXX XX/XX/XXXX, XXXX to Support Hi, I am following up as it has been 4 days, and I have received no further response. I am requesting a full refund again. I noticed that you have fixed your terms & service & privacy agreement not being present at signup. I have both screenshots and a video showing that this was not working when I signed up. Again, I am asking that you please refund the full amount that my account has been charged. Thank you in advance for your prompt attention to this matter and rectification. I will pursue further recourse to correct this matter if need be, and this is the last time that I will make this request. Best, XXXX On XX/XX/XXXX, XXXX responded with the following : Support XXXX XXXX Attachments XX/XX/XXXX, XXXX to me Hi XXXX , Thanks for your email. Have you cancelled your subscription before the end of the 14 days trial? I double checked and terms of service are working fine, which you have accepted during account creation. During checkout it clearly says " 14 days free trial then {$790.00} per month '' ( screenshot attached ) As you have used our service for the trial duration, your subscription was automatically activated at the end of the trial period. If you're not satisfied with the service during the 14 days trial period, you can cancel your subscription. Thanks I responded on XX/XX/XXXX and one more time on XXXX XXXX, but never received a further responded from the company : XXXX XXXX XXXX XX/XX/XXXX, XXXX to Support Hi, Your terms and service and privacy laws were not working when I signed up. You have since fixed this after I notified you. I already attached screenshots showing that it was not working, and I have added the video as well. This makes any claim you stated invalid and illegal since they were not working. Again, please refund, or I will report you for the below reason to the attorney general and will pursue legal actions if need be. This will be the last time I give you an opportunity to rectify this. As far as the renewal, you are in violation of several California laws under Californias Automatic Renewal Law. Your terms of service do not load - video showing Your privacy terms do not load - video showing Automatic renewal offer terms must be presented to the consumer both before the purchasing contract is fulfilled and after enrollment in the form of an email or other post-sale acknowledgment. I never received this. During checkout, terms must be presented clearly and conspicuously so that they can be distinguished from the rest of the offer. This means that the text of the auto-renewal offer should be : In larger type than the surrounding text, In contrasting type, font, or color to the surrounding text of the same size, Set off from the surrounding text of the same size by symbols or other marks in a manner that clearly calls attention to the language. Contact with Citi Bank : -Made several phone calls where I spoke with their fraud department to explain the issue further and I have submitted this fraud chargeback. Pointing out that XXXX never provided, nor did I agree to their terms of service. XXXX ( Dispute Follow-up ) XXXX XXXX XXXX Attachments Tue, XX/XX/XXXX, XXXX to billingdisputes To : Billing Disputes Department : I have included and attached the requested documentation and a video for your team to review. XXXX is in violation of a number of California Automatic Renewal Law protections and Federal Laws that make it very hard to know when and how to cancel during their free trial period, and based upon these reasons, I am requesting a full refund of the {$790.00} that I was charged by the company. I have also filed a complaint with the attorney general that is currently under investigation. The California Automatic Renewal Law prohibits sellers from charging consumers credit or debit cards for an automatic renewal plan without first obtaining the consumers affirmative consent. It also requires sellers to clearly and conspicuously1 present certain automatic renewal offer terms at the point of sale in close visual proximity to the request for consent to the offer. Wherever the ARL requires clear and conspicuous disclosures, the required information must be presented in larger type than the surrounding text, or in contrasting type, font, or color to the surrounding text of the same size, or set off from the surrounding text of the same size by symbols or other marks, in a manner that clearly calls attention to the language. Their checkout process does not do this, and they are in violation. The text is smaller and in a XXXX XXXX that easily blends in with the background during the checkout process. Screenshot XXXX at XXXX XXXX.XXXX California Automatic Renewal Law requires sellers to deliver a separate post-purchase acknowledgment to the consumer in a retainable form ( such as email ) that clearly and conspicuously presents the same automatic renewal offer terms disclosed at the point of sale and further explains how the consumer can cancel the automatic renewal service. This was never provided by the company. The only communication I received after signing up was the following email : Screenshot XXXX at XXXX XXXXXXXXThe California Automatic Renewal Law required for subscriptions sold online plans that include a free gift or trial must also explain how the consumer can cancel ( and allow the consumer to cancel ) before paying for any goods or services. The company provided no information on how I can go about canceling the free trial during the checkout process or after. Their terms of service and privacy policy pages were blank when I went to view them. Not having a Privacy Policy on their website is a violation of Federal & California Laws, and they should not even be collecting credit card information in the first place. Here is a screenshot and video showing this. Video Showing neither privacy policy nor terms of service were viewable/available : XXXX, no privacy policy or Terms of Service - Watch Video Privacy Policy : Screenshot XXXX at XXXX XXXX.XXXX Terms of Service : Screenshot XXXX at XXXX XXXX.XXXX Due to all of the above violations of both Federal and California Laws , XXXX made it very hard to cancel during their trial period, and I am requesting a full refund of the {$790.00} that I was charged by Influencify. To recap, they did not provide the following requirements from California Automatic Renewal Law and Federal Law. 1. Clearly and conspicuously present certain automatic renewal offer terms at the point of sale in close visual proximity to the request for consent to the offer. 2. A description of the policy for canceling a trial and how to go about canceling during the checkout process. 3. A separate communication after subscribing outlining how a user can cancel during the trial period. 4. No Privacy Policy on their website, which is a violation of federal law and does not allow them to collect any PII ( Personal Identifiable Information ) such as credit card information, name, email, etc. Thank you, and I am sure that Citi Bank will do the right thing for me, the consumer, as I have been a loyal customer for 10+ years. Best, XXXX XXXX -- XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX Attachments Scanned by XXXX XXXX XXXX XXXX Attachments Fri, XX/XX/XXXX, XXXX to billingdisputes I spoke to one of your fraud representatives, and she shared that she will be reaching back out to inquire about re-opening the following case : XXXX. I have attached a letter from the Attorney General of California stating that once I supply them with the mailing address for the company ( XXXX ), they will be reaching out to them on my behalf. I was only able to obtain the accurate mailing address through the information they provided to CitiBank and shared it with me. Again, this is another way this company is deceitful ( Attached PDF ). Adding additional context showing how I was not made aware of their terms of service as they stated in their correspondence with Citi Bank, so no, I was not made aware of how to cancel, when to cancel, nor did I legally agree to anything. The two screenshots directly below were provided by XXXX. I previously provided screenshots and a video showing that the terms of service and privacy policy pages were blank and contained no content ; therefore, there was no way possible for me to be aware of their terms nor how to cancel. I have included these screenshots again below the screenshots from XXXX. Provided by XXXX in their correspondence to CitiBank : Screenshot XXXX at XXXX XXXX.XXXX Provided by XXXX correspondence to CitiBank : Screenshot XXXX at XXXX XXXX.XXXX From complainant : Video Showing neither privacy policy nor terms of service were viewable/available : XXXX, no privacy policy or Terms of Service - Watch Video Complainant : Screenshot showing No Privacy Policy : iXXXXXXXX Complainant : Screenshot showing No Terms of Service : image.png Due to legal violations of both Federal and California Laws , XXXX made it very hard to cancel during their trial period, and I am requesting a full refund of the {$790.00} that I was charged by Influencify. To recap, they did not provide the following requirements from California Automatic Renewal Law and Federal Law. 1. Clearly and conspicuously present certain automatic renewal offer terms at the point of sale in close visual proximity to the request for consent to the offer. California Automatic Renewal Law requirement ( documentation provided in previous email ) 2. A description of the policy for canceling a trial and how to go about canceling during the checkout process. California Automatic Renewal Law requirement ( Documentation provided in the previous email ) 3. A separate communication after subscribing outlining how a user can cancel during the trial period. This is a California Automatic Renewal Law requirement ( Documentation provided in the previous email ) 4. No Privacy Policy on their website, which is a violation of federal law and does not allow them to collect any PII ( Personal Identifiable Information ) such as credit card information, name, email, etc. ( Provided again ) California Automatic Renewal Law and Federal Law requirement. If this matter is not resolved in a timely manner, my next steps will be to go after legal recourses, in which I will be naming CitiBank for being compliant in conducting business with a company that uses deceitful and unlawful practices that violate California and Federal Law. Thank you for your prompt attention to this serious matter. Best, XXXX XXXX XXXX ( Dispute Letter Follow-up ) XXXX XXXX XXXX Fri, XX/XX/XXXX, XXXX ( 9 days ago ) to billingdisputes This is in response to the letter I received on XX/XX/XXXX. I am requesting that these fraudulent charges be reversed. I have contacted the merchant multiple times to reverse these charges, and they have not been willing to work with me. I am asserting my rights to claims and defense and will not pay anything towards these charges. I never agreed to nor authorized these charges, and the terms of service they referenced below and in their response to Citi earlier were completely blank and provided no information ; therefore, there was no agreement to them charging me for these services. I have provided screenshots and video of this and have again below. Here is one of the few responses I received from XXXX after I finally tracked down a contact email. Screenshot XXXX at XXXX XXXX.XXXX Video Showing neither privacy policy nor terms of service were viewable/available : XXXX, no privacy policy or Terms of Service - Watch Video Complainant : Screenshot showing No Privacy Policy : XXXXXXXX Complainant : Screenshot showing No Terms of Service : XXXX Thank you for reviewing. Here is a video Link showing Infuencify blank terms of service and privacy terms : XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90036
Submitted Via: Web
Date Sent: 2023-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-02
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: The creditor continues to commit Fraud on my credit report. The Fraud on the report is that they continue to report the account as " past due '' on my credit report, this is inaccurrate and a fraud. Because this debt is only now a " charge off '', " closed account '' over 5 years ago. The fraud reporting to my credit is causing a hardship to me and my family. The account is not suppose to keep reporting like a " past due '' account, should be reported as a " closed account, and charge off only ''. Due to this, it continues to lower my credit score and causing me to lose my job. The debt is over 5 years old and when I even try to pay it the company says that it is charged off and I can not even make a payment anymore. This should be only reported as a " Charge off '' and " Closed ''. this company is unfairly targeting me and ruining my chances of getting employment unfairly. I ask that they remove this inaccuracy on my XXXX, XXXX, and XXXX. The following Accounts need to be updated to a " Charge off and Closed Account only '' Please remove the " Past Due '' status on all my credit reports- it is inaccurate and causing my employment to be denied. It is not correct and it is Fraud. These 3 accounts need to be investigated. 1. XXXX Account XXXX XXXX 2. XXXX Account XXXX XXXX 3. XXXX XXXX XXXX # XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 302XX
Submitted Via: Web
Date Sent: 2023-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of XXXX XXXX data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as XXXX XXXX. I kindly request that you handle this matter with utmost care and diligence. I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. I was never giving proper disclosures or the ability to optout of my info being shared. I have not benefited from any of these transaction. I believe I am a victim of Identity theft. Please block, delete and remove them immediately from my consumer report. Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. 15 USC 1681 section 602 A states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also, they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11375
Submitted Via: Web
Date Sent: 2023-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-02
Issue: Confusing or missing disclosures
Subissue:
Consumer Complaint: Its my fist hand personal knowledge im XXXX XXXX i was falsely mislead by bankers aramis on XX/XX/2023 that the check i deposit was clear all funds would be available so went home the on XXXX i went online call them to place a wire they said go a head i place the XXXX wire they block me immediatly i reduce it to XXXX they put a hold on fraud dept then they started flagging my acct for fraud every transaction i spebt hours a days verifying myself then they claim they didnt know me and block the acct told me they have to send me a letter before i could have access i was shut down again its weird im from law enforcement fraud never saw such abuse of power i was feeling discrimination as though i was a target i never violate laws codes im injured XXXX XXXX they say they can do us anyway they feel the fraud department is always in The XXXX evey agent is rude non infornativedevisive saying we dont have to discuss issuses with your account leaving me stagnate in my buisiness moneys on hold its deceptive out source agents abusive denying me of basic questions about my personal assets i have a ministry i know the XXXX well then i call citibank yesterday XXXX XXXX I on o find out if a wire fir. XXXX went out i was on the phone with bank agents for hrs they say acct was restricted for questions i spoke the citi bank XXXX outsource office fraud dept a rude angry XXXX lady verify me she wouldnt be calm and answer a simple question she said the acct was restricted i said which one sge ignore me it was frustrating she said u dont hacmve to tell you i will call you back she hung up in my face i call back i spoke to a kind XXXX lady agent lesly she was night and day positive answered all concern about wires but said her power was limited i still need transfer to fraud so a lady name XXXX came on from Fraud was rude XXXX devisive cut me off saying we closed your acct we dont have to explain we will send you a letter she slammed the phone i called back for a supervisor got A XXXX on the phone XXXX was rude devisive slight harsh repeated quickly we closed your acct any money left we will send you a check i said when she slammed tge phone in my face every fyi sadly this month all XXXX plus citi customers has had accts closed and still 60 days has got no check i said this is abuse of power deprivation of rights civil human rights truth in lending predatory practice i look online for reviews complaint in XXXX they closed dozens of customers accts for no reason without disclosure can you guys or sec .or Federal reseve treaury fine them they just paid out XXXX XXXX mill in fines to the sec i need help rights reserved without recourse ucc1-308
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33023
Submitted Via: Web
Date Sent: 2023-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-02
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: When I call the phone # on the back of my XXXX XXXX XXXX card they try to offer XXXX gift and want my XXXX credit card #. They will not let me close the account without giving them another credit card #. I have tried calling XXXX XXXX directly and they push me back to the original phone # on the back of the card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 540XX
Submitted Via: Web
Date Sent: 2023-10-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-02
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/XXXX, I called THD Credit Card Services and made a payment in the amount of {$750.00}. I asked the representative to apply payments as follows : 1 ) apply a requested amount toward a monthly minimum payment, 2 ) the rest of the money apply toward promotional balances starting with the oldest. The rep XXXX ( XXXX ID XXXX ) and rep XXXX from the financial (? ) department assured me that the payments will be applied as directed. XXXX also read the statement/disclosure indicating that the allocation will be applied as discussed. The call was recorded on XX/XX/XXXXXXXX @ XXXX XXXX EDT. On XX/XX/XXXX, I called THD CC Services and made another payment in the amount of {$640.00} to close the promotional balance only which expires on XX/XX/XXXX. I made two payments during the same billing cycle ( XX/XX/XXXX and XX/XX/XXXX ), the minimum monthly payment was covered during the XX/XX/XXXX payment. The due date is the XXXX day of each month. The reference number is XXXX XX/XX/XXXX @ XXXX XXXX EDT. On XX/XX/XXXX, I noticed that the payment in the amount of {$640.00} was not applied toward my expiring promotional but applied only partially and the monthly minimum was taken out of this payment again leaving the outstanding balance of {$450.00}. I called back on XX/XX/XXXX, at XXXX XXXX EDT. The rep XXXX from a supervisor team assured me during the verbal statement on a recorded line that my payment in the amount of {$640.00} made on XX/XX/XXXX will be re-applied toward an expiring promotional as a requested XXXX out the outstanding balance. Today, XX/XX/XXXX, I noticed that the outstanding balance of promotional charges in the amount of {$640.00} is indeed XXXX out, but the balance was moved to an earlier closed promotional charge which now generates compound interest daily. This is not a first assurance when THD CC services employ deceptive practices. The consumer has no options to make payments as needed, instead, the consumer is forced to call in to request an allocation otherwise the promotional charges can not be paid overtime but must be paid along with the monthly payments. The CC Services do have the option to allocate additional money to promotional charges, but the consumer can only select up to 3 expiring promotional charges and the funds will be allocated in the way that only 33 % will be allocated to the first promotional charge, 33 % to the second, and 33 % to third, or if a consumer selects to pay off two promotional charges, then only 50 % will go toward the first selected charge, and 50 % to the second promotional charge. But if the consumer wants to pay off several ( two or more ) promotional charges at the same payment, there is no way to select 100 % for each promotional outstanding balance. The consumer must call in. However, even if the consumer calls in and requests payment allocation, that does not guarantee that the payments will be allocated as requested. The payments can be allocated whatever the " system '' allocates which makes the tracing of allocation of funds incredibly difficult. This is a deceptive practice by THD CC services and I am certain that many if not thousands or hundreds of thousands of consumers are affected by this practice. I am also asking the Consumer Financial Protection Bureau to initiate a thorough investigation into the THD CC services and take legal action against financial THD CC Services that engage in unfair, deceptive, or abusive practices. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27587
Submitted Via: Web
Date Sent: 2023-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-02
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: After reviewing my report, I noticed that this account is still on there, and it was supposed to be deleted. I further notice that the information that is reporting on there is incorrect and not accurate at all. Account was paid off in full, but they didnt state that it was paid. This account was to be completely deleted. It not showing not the report a few month ago Now it is back on was also supposed to be deleted. I have also noticed that it states that the company claimed this as a loss of assets which means they receive compensation for it and now its trying to make me pay again to receive double compensation which means this is a fraudulent claim.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30909
Submitted Via: Web
Date Sent: 2023-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-02
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Debit card with Citibank has been blocked for a month. I can not access my money for a money and falling back on payments and living expenses. The bank can not verify me any other way that a letter which i havr not received for more than a month. The agenta disconnect the call every time i ask for an escalation or another method to help me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22202
Submitted Via: Web
Date Sent: 2023-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-02
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 I ordered some charms through XXXX. The charms were not delivered and I requested a refund for all the items. Since XXXX was taking too long to provide the refund I contacted my bank and requested a dispute. On XX/XX/, Citibank denied the dispute based on what XXXX claims is a venue made up of independent sellers. But on XXXX XXXX XXXX XXXX agreed to refund the amount of the purchase but the credit never went through supposedly because I was disputing the charges with my bank. I have letters proving my claim. The original amount purchased was {$300.00}, but they did refund me back {$220.00} and I'm still missing {$73.00}. XXXX is stating that they can't provide me with the credit due to the bank dispute.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10453
Submitted Via: Web
Date Sent: 2023-10-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
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 used my credit card to purchase XXXX XXXX XXXX XXXX size XXXX shoes from online vendor XXXX on XX/XX/2023, for {$220.00} through XXXX. After the purchase I immediately contacted my credit card company to rescind the purchase because I suspected fraud on the part of the vendor. This suspicion was based on other customers who complained online that the company never responded to their complaints after failing to receive purchased goods. My credit card company initially reversed my {$220.00} charge pending a fraud investigation. I followed up with the credit card company in writing on XX/XX/2023, that I never received the shoes, even though the vendor claimed to have delivered them to my residence via XXXX XXXX XXXX on XX/XX/XXXX. I learned about this so-called XXXX delivery not from the vendor but from the credit card company. The vendor never acknowledged receipt of my {$220.00} purchase via email, never sent me the XXXX tracking number, and I never received the tracking number from UPS even though I am a member of XXXX XXXX, which is supposed to deliver such notifications to me via text or email. I first received the tracking number from my credit card company more than a month after the package was supposedly delivered. When I tried to plug in the tracking number through the XXXX website, it wouldn't allow me to file a complaint about a missing package. In late XXXX my credit card company rejected my fraud claim for lack of evidence and posted the {$220.00} charge back on my card, even though I had also complained that I never received the shoes. So on XX/XX/2023, I wrote back to the credit card company demanding a full {$220.00} refund because I still had not received the shoes. I also emailed XXXX on XXXX, XXXXXXXX XXXX demanding a full refund and never got a response. In addition to the letters I sent I also had phone correspondence with the credit card company 's fraud department on XX/XX/XXXX and XX/XX/XXXX in which I complained about not receiving the shoes. Both calls to my knowledge were recorded. I am seeking a full {$220.00} refund because I never received the shoes I purchased.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89134
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A