Date Received: 2023-09-25
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I have a Citi AAdvantage Platinum Select World Elite Mastercard that I use as my primary card. I pay off the balance in full every month with the exception of one or two months where I missed the deadline date or miscalculated my balance. Citi offered me a promotional interest rate of 1.99 %, and I thought that sounded like a good backup plan versus the typical 20 % + interest rate. Shame on me for not reading my statement or the fine print more closely, because I realize what this did was began charging me 1.99 % interest on the daily average balance. So by accepting their offer, I went from {$0.00} interest most months to about $ XXXX {$10.00} a month. Sure, it's a small amount, but this felt so predatory to offer me something that actually HURTS me as a loyal customer wrapped in a gift.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90048
Submitted Via: Web
Date Sent: 2023-09-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-26
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: I am very confused. I owe a credit card company money. I know the sold my debt but they couldnt tell me to who. I get a letter that is water logged and not readable. When I called the number of XXXX from online. Not one representative gave me an ID number. They kept pressuring me to make biweekly payments saying my offer ends tomorrow, XX/XX/23. Then decided to give me an extension. Something does not feel right. Is this a legitimate company? The number I called is ( XXXX ) XXXX the email address they sent to me is XXXX. Im very confused by the whole situation. Especially no one could give a NMLS ID. Also, told me they only take ACH payments via credit or debit but only master or visa. I just want to triple check their legitimacy. The other companys both collectors and creditors always give an ID and none have approached the situation like this. I am extremely weary and intimidated by their tactics. Thank you for your time and can not wait to hear your thoughts about this company and the way they handle collections. XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90404
Submitted Via: Web
Date Sent: 2023-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-26
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: When I opened the CD online, they took the money immediately from my account. But when the CD matured, I had no option online to close it and not renew it. I had to call them to tell them to close the CD and not renew it again. They would not deposit the money back into my account immediately as they took it immediately. They said they will mail a check. Two weeks later, the check came in damaged and my bank could not take it because the routing number was scraped off. I have been calling them now for over six weeks and they still havent sent me the check For the two months period they've held my money, I have lost over {$4000.00} in interest income had they deposited the money back into my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92119
Submitted Via: Web
Date Sent: 2023-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-26
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Paying my bill the process was difficult and confusing. 1 ) At the time of the transaction at the Macys store on XXXX XXXX, I was told to open a new card. The clerk told me it was necessary to open a new card when I had a pre-existing Macys card open already in my name. 2 ) Macys credit card services aggressively went a 1 week late payment on small balance. I received 4 to 5 calls a day for over a week for a balance of {$350.00}. I had only received a paper copy of the statement the same week the collection phone calls began. 3 ) Access to the online payment system is cumbersome and slow. The online payment system is overly complicated, confusing and untrustworthy. The online system pushes customers to make a phone call to customer service. 4 ) Every customer service rep I spoke to on the phone wanted my social security number. They repeatedly asked for it, multiple times during 3 customer service calls. 5 ) Even after paying off my balance in full closing all accounts and receiving confirmation of the account closure by mail, I received yet another bill for interest for {$5.00}. The bill warns that the fee for late payment would be {$41.00}. Macys, the credit card company they work through, the customer service agency they contract with and the collections dept that guides them is out of control. This extremely poor level of customer service is why I will never recommend a Macys credit card to anyone.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11377
Submitted Via: Web
Date Sent: 2023-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-25
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Several fraudulent collections are reported on my credit report. I discovered it, and I contacted and sent an FTC identity theft report to the collection agencies and the credit bureaus to remove the derogatory remarks from my credit report. I have been a victim of identity theft and have informed all the credit bureaus, collections agencies, and credit card companies that these accounts are derogatory and do not belong to me. Someone used my personal information to open fraudulent charges under my name without my permission, consent, and knowledge. I have requested that the collection agencies, credit bureaus, and credit card companies send me debt validation documents regarding these fraudulent accounts, but they have not responded. I want these derogatory, fraudulent accounts removed from my credit bureau and never reported on my records. The collection companies are XXXX XXXX XXXX, credit card company DSNB MACYS, XXXX XXXX XXXX, and the credit card company is XXXXXXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91344
Submitted Via: Web
Date Sent: 2023-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-25
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I purchased two dining chairs from Ashley Furniture XXXX on XX/XX/, for a total cost of {$190.00} with the promise that Ashley would deliver the chairs. The chairs were not timely delivered so, before they were delivered, we cancelled the transaction and requested a refund. Ashley continually refused to issue the refund, but they did cancel the delivery of the chairs. Finally, we disputed the {$190.00} charge on our XXXX credit card and won that dispute. We received notice that the dispute was resolved in our favor on XX/XX/. On XX/XX/, I received a letter from Ashley informing me that my account was " overdue '' and that I must " [ a ] rrange payment of this account today to avoid further action. '' I wrote a letter to Ashley reminding them that we never received the chairs and had prevailed in our dispute. They apparently sent an email to my wife on XX/XX/, in which they claimed, for the first time, that their " records indicate that this amount [ {$190.00} ] reimbursed twice to you '' and that " {$190.00} is owed to us. '' I emailed the three Ashley associates listed on the email to my wife asking for verification that the amount was reimbursed to me twice and have not received a response or verification of that fact. Ashley is still threatening to report a false overdue debt to the credit bureaus without confirming the double reimbursement.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75023
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-25
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have opened a mortgage account with CITI bank USA, and I was asked to open up also a CITI checking account, and transfer XXXX to the account to get 0.1 % rate reduction in my mortgage. However, after opening my account, the account started to produce an error, called " MFA ''. I reached the CITI bank customer services multiple times and spent many hours waiting to resolve this error. However, at the end I lost my access to transfer money to CITI account, and my XXXX is also get blocked in the account. When I called them again, they said there is no fraud or alert in your account and you just should wait! and it is what I keep hearing for the last 10 business days with no resolution. Amounts which is blocked is XXXX The last time that I talked with customer service is : XX/XX/XXXX The solution by the customer service : Wait longer The issue : the website keeps producing MFA error and block any money transfer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48236
Submitted Via: Web
Date Sent: 2023-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-25
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have a Citi checking and savings, on XX/XX/XXXX there was a check presented writtem out mt account ending in XXXX for XXXX ( XXXX ) XXXX dollars. The fraud department phoned, I spoke with them and informed them that the check that was presented was not written out by me do not let it go through. They assured me it would not go through, the check did in fact go through thus promoting a fraud/hold on my account. After countless phone calls leading me no where I went into XXXX Citi banks meeting with bankers trying to get clarity on what was going on with my account, the banker at the last branch I went into assisted me in getting all the necessary documents signed and sent into the proper departments of Citibank back office. Was told that it would take 90 days for the investigation to take place. Not understanding why at minimum I can not receive a temporary credit and why it is taking so long for this internal investigation to take place when the check that was written is not my handwriting and or signature. I had to open a new account at a different bank in order to pay bills.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33176
Submitted Via: Web
Date Sent: 2023-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-25
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: On XX/XX/XXXX I was sent a brief email that all of my CitiBank accounts would be closed. There was no explanation as to why, and my access to the accounts and cards was suspended as of that day. I called immediately and was given no information just told this was happening and there was nothing I could do to stop it. I called again XX/XX/XXXX to call. They were unable to tell me why the account was being closed. They told me there was no actions I could do to stop this process or make it happen quicker. I had no access to any of the money in the account or any way to view the accounts. I was told the money would be sent in XXXX days along with a letter explaining why this happened. I explained this was NOT ideal, as I needed the money in the account to live, and couldnt wait XXXX days for it. They were closing my account for no reason with no explanation and I had no access to my money. I called again XX/XX/XXXX and was hung up on. This repeated daily. I called at least 6 times requesting information or access to view my accounts to no avail. I was constantly transferred, hung up on, disrespected on the phone. In XXXX, I finally received the funds from the closed account. These funds were significantly less than I had been expecting as the account had well over the amount I was paid out. I deserve information on where my missing money went. Additionally, no information as to why this happened was provided. I was promised I would receive information on why this closing has happened.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 14618
Submitted Via: Web
Date Sent: 2023-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-24
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I hold an XXXX XXXX credit card exclusively designated for the acquisition of XXXX XXXX flights. I have received a recent correspondence from the issuing company, notifying me of their decision to discontinue the acceptance of this credit card for flight purchases. In essence, the company has opted to cease the issuance and utilization of this credit card. Given this development, I kindly request a complete balance waiver for the outstanding amount on my account, along with the closure of my account, ensuring a XXXX balance. Thank you, XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75069
Submitted Via: Web
Date Sent: 2023-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A