Date Received: 2023-10-03
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: So from XXXX to XXXX time frame somebody had stolen my card and pin on my XXXX card which used XXXX approximately on the card on XXXX XXXX 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: OK
Zip: 735XX
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-02
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: XX/XX/ : I make a reservation using Citi Thank You points for a hotel in XXXX XXXX, CA for XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX : due to a tropical storm, I call the hotel to cancel the reservation. They confirm I will be fully refunded in 24-48 hours. XXXX XX/XX/ : I call Citi and am directed to their Travel Rewards team. They tell me to call back in 5 business days. XX/XX/ : I call Citi again and they explain the delay is because the reservation must be canceled manually. They assure me this is done, then send me an email confirming the cancellation will be processed in 7-10 business days. XX/XX/ : I call Citi again. They explain the reservation is canceled and I will see my points refunded in 24-48 hours. If not, they say, I should call back. I ask for a supervisor. They tell me a supervisor is not available, but one will call me in two hours. This call never comes. I receive another email confirming the reservation is canceled and a refund is in process. XX/XX/XXXX XXXX XXXX : I call Citi again. They explain that the reservation was not actually canceled before but it has been canceled now. I should check back in 5-7 days. I receive a third email confirming the reservation is canceled. I ask to speak to a supervisor. Im told no supervisor is available now, but they will call me shortly. They call me a day later at XXXX. I miss this call. XX/XX/ : I call Citi again and explain the issues Im having and ask to speak to a supervisor. They confirm no refund has been processed yet and agree to connect me to a supervisor. I am put on hold for 25 minutes, then they hang up on me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2023-10-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-02
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: - Was repeatedly solicited to open an account with Citigroup with interesting sign-up offers ( e.g. extended balance transfer and purchase offers ). - Took credit hit to apply for a card, and was surprised that the credit limit was low ( about XXXX the credit limit offered by my other cards -- I have good credit and income ). - Called twice to see if limit could be increased. First call suggested limit could be increased after having the card for a week. Second call ( made after a week ) told me credit limit could only be increased after 6 months, effectively outside of the introductory sign-up offers. - Closed the account ( with a ding to my credit report ) as the card 's limit was too low to be usable without further hurting my credit ( due to high utilization ). - Application should have been clear that there was a low cap independent of credit score and income ; would have saved me time and hassle of application.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 111XX
Submitted Via: Web
Date Sent: 2023-10-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-02
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: In XX/XX/XXXX I received my credit card bill from Citibank and listed among the charges was this : XX/XX/XXXX XXXX XXXX XXXX FL {$470.00}. I did not recognize this charge and I called the above phone number and discovered it was XXXX XXXX XXXX. I had not bought tickets to XXXX and I complained to Citicards in writing. I stated I was XXXX XXXX XXXX, do not have children or grandchildren and would never buy tickets to XXXX. They said they would investigate. I just realized today ( XX/XX/XXXX ) that in my XX/XX/XXXX credit card statement, they reinstated the {$470.00} charge. Unfortunately I did not realize this. In the Account Message on the back, they said the credit was reversed " since it was determined to be a valid charge ''. I strongly dispute this! Why did they think it was valid? Because someone signed my name on a credit card receipt? I did not purchase this, so no way is it valid! Please let them know I am not accepting this. It is unfortunate I did not pick up on this till today, but that does not change the fact that someone robbed me of {$470.00} and Citi is complicit in this action.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VT
Zip: 05401
Submitted Via: Web
Date Sent: 2023-10-02
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: I have a Citibank XXXX XXXX card. My XX/XX/XXXX statement had a {$1600.00} balance, which I paid via paper check and put in the mail on XX/XX/XXXX. My bank is XXXX XXXX XXXX XXXX. This check was cashed twice by Citibank : XX/XX/XXXX Check # XXXX, tracer # XXXX XX/XX/XXXX Check # XXXX, tracer # XXXX Citi bank statement XX/XX/XXXX - XX/XX/XXXX showed that XXXX was paid ( XXXX twice ) and XXXX credit applied. I called Citi bank and requested the credit be reversed, and a REFUND be sent to me. Citibank reversed the credit and never sent me a check. I am still owed XXXX. I have called every few days for XXXX months with no resolution. Each call lasting approximately XXXX min since XXXX. I have not been able to work while on these phone calls. On XX/XX/XXXX, Citibank requested proof that a refund was not sent to me. I sent XXXX ( accounts manager at XXXX ) a FAX which was a XXXX history of my checking account transactions ( XXXX pages - which I was told the {$24.00} would be reimbursed ). No response to FAX or investigation from Citibank. Since XXXX, Citibank has claimed the issue is under investigation. I have spoken to at least XXXX managers, multiple service call individuals, yet no resolution to date.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-02
Company Response to Consumer: Closed with non-monetary relief
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: I opened the disputes for wrong merchandise received on XX/XX/XXXX for XXXX $ from XXXX XXXX XXXX XXXX XXXX. The merchant wouldnt come to get his products ( XXXX rolls of artificial turf ) and wouldnt issue a refund. Not only the Citi bank dragged the case into the XXXX, it sounds like they didnt read any of the proofs and docs i submitted to them. All they went with is the merchants response denying the charge. Case closed, investigation complete on XX/XX/XXXX! Unbelievable! They refuse to reopen the case and deny my appeal and I know I have a right to do that! Citi bank is the worst bank I ever dealt with, wish these charges were made with XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08822
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: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I took a 0 interest balance transfer and during the time I opened the balance transfer I made a purchase of {$6.00}. I began noticing a XXXX cent interest charge each month. On XXXX XX/XX/2023 I called Citi XXXX to find out why I was being charged interest on a 0 % balance transfer. The associate I spoke with was nearly impossible to understand. His accent was so strong. This associate told me the purchase I made was accruing interest and I would have to pay the balance of the balance transfer before Citi would apply payments to the {$6.00} purchase I made. I told the associate that I had been paying {$600.00} per month when my minimum payment is only {$110.00}. I demanded him to pay the {$6.00} balance first. He said he couldn't. I requested a supervisor. I was able to have the supervisor pay the {$6.00} and return the interest charged. I checked online with the regulations in the Federal Register regarding interest and payments. I found in Section 1026 that banks must pay any overage to the interest accruing balances first. I decided to file a complaint. If Citibank is doing this to me they have to be doing it to others.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 027XX
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-30
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I got a notice that I had a overdue 90 day late bill on my report, so when I checked it, it showed a Macy 's Citibank card, I never opened this or used Macys cards. I contacted Macys they verified that they had my correct social, but the phone number and address did not match me. They closed the account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 177XX
Submitted Via: Web
Date Sent: 2023-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-29
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Ive tried calling and reaching out to the companys either no one answers or the XXXX is busy or the number is not in service.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11432
Submitted Via: Web
Date Sent: 2023-09-29
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: Reporting company used your report improperly
Consumer Complaint: NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT This dispute is In regards to XXXX Mile Up card account ending in XXXX and Citi/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have asked this company to remove my financial information from my consumer reports and they denied it. Because of this, they have defamed my character and caused me damages. I could not purchase a home or get approved for another credit card. I demand that this company complies with federal law because they have violated both my privacy and FCRA laws 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with sectio n 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( 2 ) Exception This subsection shall not prevent a financial institution from providing nonpublic personal information to a nonaffiliated third party to perform services for or functions on behalf of the financial institution, including marketing of the financial institutions own products or services, or financial products or services offered pursuant to joint agreements between two or more financial institutions that comply with the requirements imposed by the regulations prescribed under section 6804 of this title, if the financial institution fully discloses the providing of such information and enters into a contractual agreement with the third party that requires the third party to maintain the confidentiality of such information. ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. ( d ) Limitations on the sharing of account number information for marketing purposes A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer. ( e ) General exceptions Subsections ( a ) and ( b ) shall not prohibit the disclosure of nonpublic personal information ( 1 ) as necessary to effect, administer, or enforce a transaction requested or authorized by the consumer, or in connection with ( A ) servicing or processing a financial product or service requested or authorized by the consumer ; ( B ) maintaining or servicing the consumers account with the financial institution, or with another entity as part of a private label credit card program or other extension of credit on behalf of such entity ; or ( C ) a proposed or actual securitization, secondary market sale ( including sales of servicing rights ), or similar transaction related to a transaction of the consumer ; ( 2 ) with the consent or at the direction of the consumer ; ( 3 ) ( A ) to protect the confidentiality or security of the financial institutions records pertaining to the consumer, the service or product, or the transaction therein ; ( B ) to protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability ; ( C ) for required institutional risk control, or for resolving customer disputes or inquiries ; ( D ) to persons holding a legal or beneficial interest relating to the consumer ; or ( E ) to persons acting in a fiduciary or representative capacity on behalf of the consumer ; ( 4 ) to provide information to insurance rate advisory organizations, guaranty funds or agencies, applicable rating agencies of the financial institution, persons assessing the institutions compliance with industry standards, and the institutions attorneys, accountants, and auditors ; ( 5 ) to the extent specifically permitted or required under other provisions of law and in accordance with the Right to Financial Privacy Act of 1978 [ 12 U.S.C. 3401 et seq. ], to law enforcement agencies ( including the Bureau of Consumer Financial Protection [ 1 ] a Federal functional regulator, the Secretary of the Treasury with respect to subchapter II of chapter 53 of title 31, and chapter 2 of title I of Public Law 91508 ( 12 U.S.C. 19511959 ), a State insurance authority, or the Federal Trade Commission ), self-regulatory organizations, or for an investigation on a matter related to public safety ; ( 6 ) ( A ) to a consumer reporting agency in accordance with the Fair Credit Reporting Act [ 15 U.S.C. 1681 et seq. ], or ( B ) from a consumer report reported by a consumer reporting agency ; ( 7 ) in connection with a proposed or actual sale, merger, transfer, or exchange of all or a portion of a business or operating unit if the disclosure of nonpublic personal information concerns solely consumers of such business or unit; or ( 8 ) to comply with Federal, State, or local laws, rules, and other applicable legal requirements ; to comply with a properly authorized civil, criminal, or regulatory investigation or subpoena or summons by Federal, State, or local authorities ; or to respond to judicial process or government regulatory authorities having jurisdiction over the financial institution for examination, compliance, or other purposes as authorized by law. 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ) 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. The company has authorization from me to proceed with the complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 322XX
Submitted Via: Web
Date Sent: 2023-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A