Date Received: 2023-09-14
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 have a balance of {$710.00} from my XXXX XXXX XXXX XXXX from Wayfair. I've contacted Wayfair to see where this charge is coming from and they stated in order to find out exactly where the charge is coming from I would have to pay the credit card minimum balance first. I paid the minimum balance and still got no insight on to why I'm being charged. So now whenever my card bill is due I just pay it off due to the fact that I've had little help from customer support. Wayfair directed me to XXXX and, XXXX directed me to Wayfair. It seems as if nobody knows exactly who handles what, but they're very eager to receive a payment. Product : XXXX XXXX XXXXXXXX XXXX Subtotal : {$970.00} Order Number : XXXX XXXX Returned On : XX/XX/2023 I've already paid {$480.00} for the delivery fee after the cancelation
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60615
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-14
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: CREDIT CARD FRAUD DECEPTION, CONSPIRACY & UNLAWFUL CONDUCT : 3. Previously concealed complainants credit card account statements and documents provided now by City bank/Best Buy between XXXX XXXX reveal extensive fraud and a well calculated conspiracy network of deception, larceny, embezzlement, misappropriation, false reports, etc. 4. This record has revealed deliberate fraudulent entries to the complainants credit card account. False interest charges and penalties were imposed and answers were ridiculously evaded, while several laws of land and 5th and 13th amendments to the US Constitution and the protected statuses of complainant were violated. 5. The complainant is a victim of credit card account fraud and financial malfeasance. A false liability of {$2900.00} was created against the purchases of {$1600.00}. Thereafter, a larceny of an estimated amount of {$1300.00} in the complainants credit card account caused irreparable damage and loss of over {$20000.00} 0 to the complainant. City bank/Best Buy have not denied unlawful interest charges as the complainants credit card account was deceptively maintained. Despite admitting the false interest, Citi bank/Best Buy have now refused on XXXX XX/XX/XXXX to refund the unlawfully charged amounts, hence this complaint. 6. Account statements ( and scores of emails and online messages ) were removed from the website and the complainant was denied access to ( correct ) information. Citi bank/Best Buy repeatedly willfully failed to provide the total unlawfully charged interest and penalties imposed and instead provided ridiculous & irrelevant replies, detailed later. Best Buy has been requested to preserve all the records, including the phone calls. 7. Failure to provide information indicated there is much to hide, therefore, a professional estimation had to be carried out. A conservative estimate based on 20 % default compared to 57 % nationwide default, indicated that on a nationwide scale it is estimated that over {>= $1,000,000} were similarly unlawfully charged from ordinary innocent Americans and concealed the earnings and concealed. The actual amounts are higher. 8. Credit card account statements and other communication provided by Citi bank/Best Buy between XXXX XXXX further revealed : deception, discrimination, violation of constitution, 5th & 13th amendments, fraud, larceny, extortion, misappropriation, willful falsification of accounts, breach of fiduciary duty, breach of contract, gross negligence, abuse of power, procedure and system, weaponizing customer default, policy violation, defamation and libel, harassment & retaliation, connivance, conspiracy & racketeering, illegal threats, undue stress, emotional distress, malafide, inter alia, against this complaint. 9. Apparently, a well-choreographed deception regime is followed by Best Buy/Citi bank in maintenance of credit card accounts to force customers to make unlawful payments and ensure involuntary servitude to corporate interests, violating the 13th amendment to the US constitution. WE THE PEOPLE ARE THE VICTIMS : 10. It has become apparent that we the people are being defrauded, discriminated against, extorted from, and subjected to financial malfeasance on false pretexts, and being caused aggravated mental anguish and emotional distress in a bid to push the ordinary innocent Americans to involuntary servitude for meagre gains of Citi bank/Best Buy. It is also apparent that Citi bank/Best Buy are accomplices and operate as a predatory cabal that has colluded and connived, detrimental to the interests of millions of Americans. 11. We the people, the ordinary innocent Americans who dont go through the perils of trials ( US Supreme Court observation ) are the victims at around XXXX stores nationwide and deprived of over {$450.00} XXXX, annually. 12. CFPB is therefore requested to forthwith stop fraud in the credit card accounts and serial violations of law and constitution. Hundreds of thousands of ordinary Americans must be saved from credit card account fraud, misconduct, undue intentional stress, distress, and financial malfeasance, inter alia. THE NATURE OF DISPUTE & MALICIOUS PRACTICES : 13. Best Buy and Citi bank provided credit cards for purchases at Best Buy stores. However, in maintaining the credit card account of the complainant revealed that Best Buy/Citi bank : ( 1 ). Unlawfully charged interest ; ( 2 ). Failed in their duty to collate and report the customers account ; ( 3 ). Orchestrated a false default with deception ; ( 4 ). Willfully delayed recording of the customers payment transactions for months by deception ; ( 5 ). Arbitrarily changed the contractual terms of payment and mischievously implemented the arbitrarily changed terms months ahead of time ; ( 6 ). Violated the newly minted contractual terms ; ( 7 ). Retaliated and secretively sent a false and baseless report to the credit bureaus and ruined the credit profile of the complainant ; ( 8 ). Defamed and humiliated the complainant on false pretexts of complainants credit performance to justify reduction in credit limit ; ( 9 ). Failed to provide the total interest charged from the customer and failed to state how this information is accounted for in the accounts. ( 10 ). Apparently, false information was also submitted to the US SEC and ( 11 ). Damaging false information was circulated to third parties which caused irreparable damage to the complainant. 14. Citi bank/Best Buy were repeatedly alerted to the ongoing unlawful charges but they evaded responsible action as expected from Best Buy & Citi bank . Instead they deceived the complainant and the system. 15. Presently available details of the above actions of Citi bank/Best Buy have been submitted in this complaint. However, the complainant reserves the right to amend and add to the submissions made in the complaint. UNLAWFUL INTEREST ADMITTED by THE CITY BANK : 16. The Citi bank/Best Buy have not denied the unlawful charging of interest, falsely weaved into the credit card accounts. Citi bank/Best Buy realized and admitted their negligence and have repeatedly thrice forced the complainant to convolute and tamper the credit profile with a note, instead of addressing the issues but flatly refused to refund the unlawful interest in XX/XX/XXXX. 17. It has become apparent and the recorded facts demonstrate that the complainant and customers are a target of a well-choreographed script to discriminate, deception, defame, delay, default, digress, dishonor, disgrace, disregard, with distortion of accounts which signifies fraud with customers. REQUEST TO CONSUMER PROTECTION BUREAU : 18. Consumer Protection Bureau is requested to take a swift action to save the complainant and millions of Americans from unlawful credit card account practices, who can not go through the perils of trials ( as observed by the US Supreme Court ). Details are submitted in the following paragraphs. KEY DETAILS & BRIEF FACTS 19. The complainant had purchased a few household items ( Washer/Dryer and two TVs ) from Best Buy in XXXX XXXX, for {$1600.00} with the credit card issued by Best Buy. Purchases were made under the sales terms NO INT W/PYMTS FOR 18 MO, repeatedly inscribed on every monthly ( over 80 times ) in the account statements. ( Appendix-1 ). The amounts of purchases were unlawfully raised to {$2900.00}. Despite the NO INTEREST term, Citi bank/Best Buy charged interest from the first month and imposed penalties and violated the laws/ agreements. CAUSES OF ACTION SUBMITTED : 20. 17 CAUSES of ACTION for fraud, misconduct, malfeasance, fraudulent practices, inter alia, by Best Buy/Citi bank , are submitted in the attached complaint supported by 7 Appendices for necessary action by the Consumer Financial Protection Bureau with relevant details, in the following pages. 21. The CFPBs action is extremely crucial and necessary in the interest of justice and to stop the epidemic of corporate misuse of US laws and systems. Such willful systemic failures must be stopped forever in the interest of justice to millions of Americans consumers. CFPB action and restitution of money will restore customer confidence in the system.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93312
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-14
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: Holds from car rental companies totaling XXXX have not been returned to my available balance. XXXX hold from XXXX XXXX has been sitting, since on my available balance since XX/XX/XXXX. This company is usually reliable, but something has dramatically changed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-14
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: Opened on XX/XX/2023, a new checking account for my sole proprietorship small business. An offer for {$700.00} was said to be available if making a XXXX XXXXXXXX deposit within 30 days of openkng and maintaining that balance from day 30-90 after account opening. Having met this requirement by making the required deposit on XX/XX/2023, and holding it through XX/XX/2023, I have yet to receive the promotional bonus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-13
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Citi Bank Costco Card - Customer Since XX/XX/XXXX Citi Bank Notified of Account Closed - XX/XX/XXXX After making a large payment towards the card, the bank closed my account. I was told that due to autopay not working my card was closed. I explained the money was in my savings and that it was charged to my checking account instead. Appealed Citi Bank for Account to be reopened - XX/XX/XXXX I appealed to the bank explaining the issue and that I could provide a bank statement showing the amount of money in my bank account which was XXXX greater than the amount owed to the card. Citi Bank Re-Affirmed Account Closure - XX/XX/XXXX The bank reaffirmed its decision without any clear explanation and gave no reason. I have to believe that due to my race and name in the account, they did not believe my account funds were real. I always made timely payments and used the card for points at my local wholesaler XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27513
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-14
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: To whom it may concern, Regarding the following disputes : XXXX & XXXX charged on my Citi XXXX card. I attempted to cancel the services from the company called : myperfectcoverletter.com prior to being charged with the company. I spoke to a rep over the phone, but never received a confirmation. I have no email confirmation of the cancellation prior to the charges. The company was reached out to multiple times, explaining that the services were meant to be cancelled, but I would continue to see charges. The services provided by the company were limited to me using them only during the trail period, nothing more and nothing less, no other documents or services were used, therefore, nothing should have been charged to my credit card. The company refuses to acknowledge how unfair these charges are. I am asking for both disputes to be evaluated and for the credit to be permanent as I did not receive any services from the company that justified their multiple charges on my account. Citi bank has been unable to understand the difficulty of me providing proof of the cancellation when none was provided to me by the merchant, which is exactly the problem here. Respectfully, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89183
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-14
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: Issue : Was promised by Citibank customer service that I would be receiving the full welcome bonus for their Premier credit card, which would be the second Premier card I have applied for historically. The offer at the time was XXXX Citi ThankYou points which is equivalent to the current offer, after {$4000.00} in qualified spend in the first 3 months after account opening. I reapplied believing this premise was true, got approved for the card, and met the terms of the bonus offer and did NOT receive the expected ThankYou points. I contacted XXXX XXXX on XXXX and got in touch with a representative via phone call. They offered XXXX ThankYou points and closed the case despite me asking for the full XXXX points stating that the agent was misinformed and that I would've had to apply for the card in XXXX 2023 to be eligible for the bonus. I am not satisfied with the outcome as this took a lot of effort and planning and am requesting Citibank to provide the full welcome offer, as their agent had promised. TIMELINE OF EVENTS XX/XX/2023 : Contacted Citi service in the Citibank portal for Customers inquiring about my eligibility for a second bonus offer ; spoke with an agent named XXXX. XX/XX/2023 : Applied online and immediately approved for Premier card XX/XX/2023 : Qualifying purchase made to meet the bonus terms XX/XX/2023 : Contacted @ XXXX on XXXX and spoke with agent named XXXX who provided XXXX ThankYou points as a consolation
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: 2023-09-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-14
Issue: Other transaction problem
Subissue:
Consumer Complaint: Dear CFPB Officers : Thank you for your attention to my complaint. I experienced a theft ( by unlaw taking ) on the evening ( around XXXX XXXX ) of XX/XX/2023. Two men approached me and asked me to donate {$1.00} via XXXX. After I pulled up the XXXX transfer page in the Citibank mobile app, they took my phone and fled away. They made an unauthorized transfer ( around XXXX XXXX ) in the amount of {$2500.00} via XXXX in the Citibank mobile app. I reported this to the police immediately. See attached supporting documents for proofs and details. I immediately contacted Citibank to report this unauthorized transfer within one hour ( XXXX XXXX XXXX XXXX XXXX of XX/XX/2023 ) after I learned of the unauthorized transfer. Based on Chapter X of Title 12 of the United States Code of Federal Regulations ( CFR ), Part 1005, 1005.6 : " If the consumer notifies the financial institution within two business days after learning of the loss or theft of the access device, the consumer 's liability shall not exceed the lesser of {$50.00} or the amount of unauthorized transfers that occur before notice to the financial institution '', my money more than {$50.00} should be refunded. The police also told me so. When I contacted Citibank ( at that time, the transaction was still pending ), they told me they would start an investigation for this. After around a week, they told me they found the transaction " normal '' and denied my request. I explained the situation and provided information to them again, both by call and in person at the branches. As instructed, I sent my police report by fax ( see proofs in the attached documents ) to them as supporting documents. I also sent them my stolen phone information and many fraud alerts I received after the theft happened as additional supporting documents. I opened two more inquiries for this. However, they just ignored everything I sent them, claimed they completed the ( additional ) " investigation '' and maintained their position ( see their letters in the attached documents ). They neither asked me for more information nor commented on my case. To resolve this case, I made a lot of effort to collect the documents they needed, called them tons of times, and went to the branches many times for help. It has cost me very much time in the past two months to handle this, and also various fees involved. I tried to fix this problem with Citibank, but they just made me more frustrated. Thus, I decided to turn to CFPB and hope you can help me with obtaining a fair resolution to this. Thank you for your time and help. I really appreciate it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11361
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-14
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I can not access my account so i made a call on XX/XX/XXXX to Citibank customer service, it turns out my account is being flagged for fraud. I called Citibank fraud department, they said the only way to remove the fraud is to wait for a letter in the mail that could take 7 to 10 business days to receive. XXXX week passed, I haven't received the mail so I made another call to fraud department to check, I got the same response which is to wait for the letter in mail which they will resend. Another week passed, I still haven't received the letter, I called again on XXXX, they told me the letter was sent XXXX, I need to wait for at least XXXX business day before I follow up with fraud department, or I can stop by XXXX XXXX myself to track the mail which they don't even provide me with any information such as tracking number to check with XXXX XXXX staff. I called again on XX/XX/XXXX and asked them to help investigate why the letter is not received, they just kept saying they can not do anything but to resend the letter again. It has been XXXX weeks since I reported this issue to Citibank and several calls been made to follow up. Now I have several bills overdue and I am still not able to access my account while Citibank fraud department keeps asking me to wait for the letter without knowing why the letters wasn't delivered, it's the XXXX letter they are sending
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98682
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-14
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 notified Citibank of 8 fraudulent credit card charges on my XXXX statement as soon as I received the statement. The charges were clustered over a two-day period from stores/malls I've never shopped at. Citibank never investigated the charges with the merchants to compare signatures on receipts, looked at the pattern of unusual account activity or otherwise conducted a reasonable investigation. Instead, they told me on the phone that since the credit card was in my possession, " I must have made the purchases. '' Even though I appealed their decision, without it being resolved, Citibank sent me a letter ( first time I received anything in writing ) threatening me with an adverse credit report if I didn't pay the full amount due. I am a XXXX citizen ( age XXXX ) and the intimidation has caused me great distress. I never authorized these fraudulent charges and request your assistance in having Citibank reverse these charges.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94539
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A