Date Received: 2023-09-16
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 recently purchased XXXX XXXX XXXX XXXX from XXXX. The items were not as they were described. I provided XXXX pages of relevant information to my credit card company. Citi rejected my dispute, ( which I am in the process of appealing now ). The information the merchant provided Citi was " Per our policy we can not issue a refund as the items were in the condition as described. The customer knew the condition he was purchasing this order in. '' This is false. The listing of the item was intentionally misleading and deceptive. Citi should have been able to see that, because I provided so much relevant information. I provided pictures of the listing, my initial request for a refund through the merchant 's customer service, what I received, how much I paid, tracking information, what the cost is to replace the earmuffs, and more information, too. The answer the merchant gave to Citi is not enough to determine if I am responsible for the amount or not. It is literally two sentences without any elaboration. I sincerely hope Citi recognizes this and overrules the dispute in my favor. The files I've attached are some information on what happened. " XXXX '' is what I submitted to Citi for the dispute. " XXXX, XXXX, XXXX, XXXX and XXXX '' are screenshots of my dispute portal on Citi 's online banking website. Also, it is worth mentioning that the merchant is a BestBuy affiliated website. They sell returned and other BestBuy items. My credit card through Citi is a BestBuy card. There may be a conflict of interest there as well.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 012XX
Submitted Via: Web
Date Sent: 2023-09-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-16
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I applied for a Citi Premier Thank You credit card on or around XX/XX/2022. The bonus was for XXXX points if I spent XXXX XXXX XXXX XXXX within 3 months. I met these terms. Agents for Citi do not deny that. However, written letters from Citi just say that I wasn't eligible for the offer with no proof. Subsequent agent confirmed with me that I haven't had the card or cancelled the card within 24 months. He escalated again with the same result - denial letter in the mail with no support. Now the newest agent is saying 48 months, which appears to be current offer language but not that of back in XXXX. It was consistently 24 months back then. Unfortunately, I'm not a psychopath who screenshots all terms and conditions in case of something like this occurring. That said, I'm a licensed attorney with no time/desire to play games. I would only sign up if eligible. I have included an image of the of offer I signed up for that was around back then. Nothing in my records indicates I had this card or cancelled the card or any other excluded credit product with Citi in the 24 months prior to card sign up.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35216
Submitted Via: Web
Date Sent: 2023-09-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-16
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: I received and email from Best Buy offering to convert my store card to a general use card. I immediately clicked the response digitally that I did not want my card converted to a general use card in XXXX. I nonetheless received a general use credit card today in the mail. I called the company : XXXX and was informed that there was nothing they could do. They suggested I cancel my current ( new ) card and reapply, even though it could impact my credit score.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 189XX
Submitted Via: Web
Date Sent: 2023-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-16
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: ACCOUNT VERIFIED RESPONSE I Sent my letter off on XX/XX/XXXX. I told the credit bureaus to " investiage every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out and here is the Tracking #. According to the FRCA The term " investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. ListAccounts DISPUTE RESPONSE 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than XXXX business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY. PS! THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY! I HAVE ALREADY DISPUTE THIS FRAUD ACCOUNT EVEN BEFORE THIS IN XXXX. I HAVE MADE AN IDENTITY THEFT CLAIM IN XXXX AS WELL THIS FRAUD ACCOUNT SHOULD HAVE BEEN REMOVED WITH IN 4 DAYS OF RECIEPT OF COMPLAINT!! ALL COMPANIES INVOLVED IS NOW IN VIOLATION OF THE LAW " FAIR CARES ACT '' XXXX XXXX XXXX Account name THE HOME DEPOT/CITIBANK Account XXXX XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment - Credit limit {$200.00} Highest balance {$2300.00} Terms - Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current / Terms met XXXX Past due XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Closed Payment history guide XXXX XXXX past due as of XXXX XXXX XXXX days past due as of XX/XX/XXXX Balance history XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX View more Additional info Between XX/XX/XXXX and XX/XX/XXXX, your credit limit/high balance was {$200.00} Between XX/XX/XXXX and XX/XX/XXXX, your credit limit/high balance was {$500.00} Between XX/XX/XXXX and XX/XX/XXXX, your credit limit/high balance was {$5000.00} Contact info Phone number ( XXXX ) XXXX Address po box XXXX XXXX XXXXXXXX XXXX XXXXXXXX AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN XXXX BUSINESS DAYS OF FRAUD RECEIPT THIS IS ILLEGAL!!!!! I HAVE BEEN DISPUTING THIS FRAUD ACCOUNT SINCE XX/XX/XXXX!!!!!! THIS IS RIDICULOUS IAM GOING TO THE BETTER BUSINESS BUREAU AND EVERY CONSUMER AGENCY TO COMPLAIN ABOIT THIS AND THEM I WILL HAVE TO SUE!!! THE CREDIT BUREAS!!! ! AND ALL COMPANIES INVOLVED FOR REPORTING INFORMATION FROM A CONSUMER ON THE CONSUMERS FILE WITH OUT GETTING WRITTEN CONSENT FROM ( ME ) the consumer!!!!! PS! THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY! I HAVE ALREADY DISPUTE THIS FRAUD ACCOUNT EVEN BEFORE THIS IN XXXX. I HAVE MADE AN IDENTITY THEFT CLAIM IN XXXX AS WELL THIS FRAUD ACCOUNT SHOULD HAVE BEEN REMOVED WITH IN 4 DAYS OF RECIEPT OF COMPLAINT!! ALL COMPANIES INVOLVED IS NOW IN VIOLATION OF THE LAW " FAIR CARES ACT ''
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22554
Submitted Via: Web
Date Sent: 2023-09-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-16
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX SS # XXXX dob - XX/XX/83 You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX XXXX - XXXX XXXX XXXX XXXX has violated several of my rights. 15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. I have sent proof that this is not my account. This is a fraudulent account opened in my name and I would like it removed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33169
Submitted Via: Web
Date Sent: 2023-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-17
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Citibank all of a sudden closed my Checking Account for Fraud then from that point on C.S. Reps hung up on me, I couldn't get online access, they even told the Branch not to give out any information. I still have over {$1300.00}. in the account that was secretly told to me by my Branch Manager and that was XXXX yr ago and still have NOT recieved a closing check or what Fraud .....
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92021
Submitted Via: Web
Date Sent: 2023-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-16
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 XXXX first. I use my citibank credit card. On my card there is a monthly flex plan. U can by items and pay it off monthly. I order from XXXX and bought items. These r the charges I am disputing. XXXX. After I purchase this items I check my citi credit transaction. When I seen this charges individual charge. Not saying under the flex plan. I thought they were fraud. So I cancel my card. And filed a fraudulent complaints. This is the month of XXXX. After they did the investigation on those charges it turn out they were legit charges. So they reverse XXXX charges on XX/XX/XXXX. But I told they were right. Even tho charges wasn't fraudulent I am also currently paying those charges in my flex monthly plan. So they r trying to recharge for those item that I am currently paying for now. I been calling the last three week. Trying to get them to credit me for those reverse XXXX charges that's under my flex monthly plan. They being literally lying to me saying they r going to credit me those charges. And since they r trying to rebilled me for item I am still paying off. Under the flex plan. Ever time I call I been told that they will credited me those charges. And have not done anything to credit my account back. Which Has made me go over my credit limit. That's is messing up my credit. By being over my credit limit. I am constantly being transferred to department to department. Having to repeat this over and over again. And nothing Been resolved. And my credit report is being affected by those charges. That I am all ready paying for under my monthly flex plan. I can prove this by my documents from my acct.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94103
Submitted Via: Web
Date Sent: 2023-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-16
Issue: Opening an account
Subissue: Confusing or missing disclosures
Consumer Complaint: Dear Sir/Madam, I am writing to file a formal complaint against Citibank for a Cash Bonus promotion issue. Both my wife and I opened Citibank accounts in XX/XX/2023, depositing {$75000.00} each, as per the promotion 's terms. However, we have not received the promised Cash Bonus of {$1000.00} each account on XX/XX/XXXX, despite multiple unsuccessful attempts to resolve this with Citibank 's customer service. Citibank representatives claim there's no record of the promotion on our accounts, even though we followed all necessary steps during setup. This situation has left us frustrated, feeling misled, and questioning Citibank 's integrity. We request a CFPB investigation to secure the Cash Bonus and fair compensation for our inconvenience, financial loss, and time spent on this matter. Thank you for your prompt attention to our concerns. Sincerely, 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: MI
Zip: 48309
Submitted Via: Web
Date Sent: 2023-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-15
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: My name is XXXX XXXX. Citi closed all my credit cards without a reasonable reason. However, my Citi Premier credit card was charged a {$95.00} annual fee in XXXX just before Citi closed my account. Since you close my account I shouldn't be charged any annual fee. I am shocked Citi still charges my annual fee for my closed account and takes money from autopay on XX/XX/2023. I called Citi and been told I should see the refund on my account but until now there has been no refund on my credit card. Please refund the {$95.00} annual fee to me ASAP!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10036
Submitted Via: Web
Date Sent: 2023-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-15
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: I disputed 32 hard inquiries with each company and they claimed that they sent letters to the 3- bureaus but once I notified them a month or so later the companies said I had to contact the 3 bureaus to have the hard inquiries removed but they gave me the run aroundIve been trying to dispute these hard inquiries since XXXX. My credit report been under fraud since XXXX XXXX still a victim of fraud. I was XXXX XXXXXXXX from XXXX XXXX potential negative item came from my old bank XXXX XXXX which I had hooked my bank card to XXXX XXXX and was a victim of fraud,. Someone did an overdraft of {$500.00} and the fees made it {$13.00} and something dollars which I disputed and won. XXXX XXXX put the account at XXXX but did it as an charge off when it wasnt. XXXX points were taken from my credit score. I disputed that but nothing happened. Can you help me because this is stressing me out. Thank you and have a blessed day.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20020
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A