Date Received: 2023-09-14
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have a Best Buy credit card and they charged me over 20 late fees because the payment of the card was on the 4th I only paid it on the XXXX they also never sent me any statements the only payments I got to my house where when it was already a late notice I continued paying them for 12 months as I thought the balance was paid off I owe XXXX $!!!! I pay all my bills on time the reason this happened was because they failed to enroll me in paper statements and never notified me that I was late not 1 time. Its wrong for me to think I have a credit card paid off when there not contacting me and there letting me pay late fees every month charging me XXXX dollars because I never ever seen a statement I only received a bill after the original bill was already late that I never received, month after month the bill that was sent to my house was a bill stating I have a balance to pay that was it. Comes to find out Im XXXX late on payments for 20 months. Thats ridiculous
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02149
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: 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/2023, my scheduled monthly payment date, I scheduled a one time only online payment for the balance of my credit card debt ; the actual balance for purchases at that time was XXXX dollars ; my one time only online payment was scheduled for that amount. I had previously established a XXXX dollar auto pay to be paid on the same day, this is an auto pay that I had established months ago and for many months, I have been paying my balance with that auto pay amount. Mistakenly I did not " uncheck '' the monthly auto pay of XXXX dollars for the pay date of XX/XX/2023, consequently, Citi requested both the XXXX XXXX time only payment and the XXXX auto pay from my bank. The XXXX was paid but the XXXX auto pay was returned as insufficient funds. Due to a policy at Citi Bank, Citi created a debit balance for the XXXX dollar returned funds and today they insist that I must pay the XXXX " outstanding balance ''. I have discussed this issue with Citi Bank Customer service on three occasions, explaining my position that the XXXX dollar " debit '' is not supported by any purchases and that the balance of my account was paid in full with the {$9000.00} one time only scheduled payment. The XXXX dollar balance is nothing more than an accounting place holder and does not represent any funds spent nor does it represent any funds due. Citi charged their XXXX dollar returned funds fee three times and I paid those fees. After the several conversions with customer service representatives and their managers, I've been told that the balance stands and must be paid. Customer service reps nor their managers bothered to look at my account balances- they simply maintain that a returned payment represents a debit and that I am responsible for paying that debit. ( and the returned fund fee ) Citibank Credit cards create debit balances from mistaken attempts to pay off my credit card balance equal to the attempted or mistaken payment regardless if the mistaken payment attempt is represented by any purchases or previous balance. After a month of arguing about the unfounded balance they closed my account and are demanding the XXXX dollar fake balance be paid. I am seeking to have the XXXX fake balance be recognized for what it is, an accounting place holder and be credited from my account balance. I'm sorry I can not provide account summaries that support my. are, once Citi closed my account they denied access to my my previous account statements. The only statement that I have access to is XXXX 's statement which shows {$6600.00} worth of purchases and the XXXX returned payment fee. I paid the {$6600.00} balance and as mentioned above I am seeking to resolve the XXXX dollar fee.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 333XX
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: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: To Whom it may concern, In XX/XX/2022 i moved from XXXX to XXXX. On XX/XX/2022, I received a call from my bank asking if i authorize 3 transactions on my saving and checking accounts. My answer was NO! While I was on the phone with my bank, at the same time I was logging into my account and finding that all my money had been gone. The Crime was happening while I was on the phone with the bank representative. There were 3 unauthorized transactions happening when I said I DO NOT authorize any actions on my accounts. Money was moved from my saving into my checking account and cashed out with a teller and ATM machines. That exact moment I put claims of a fraud, I have all the reference numbers. The amounts were {$1500.00}, {$5500.00} and {$9500.00}. Location of the branch was detected so as a teller number n the numbers of the ATMs. I contacted county police in the state I was in and in the state fraud was committed. Reports were made. I visited the brach of my bank and with the help of a manager many applicable forms and letters of explanations were submitted. I received letters with denial to return stolen money. Many calls n disputes to a fraud departement were made and they honored 2 amounts and the largest one I am still fighting for. The bank failed by authorizing the actions I DID NOT authorize, no ID was asked at the time of money being taken out, no investigations were happening, no police was taking actions and to resolve this crime, checking the branch where the crime was committed. It has been a year. Please I appreciate any guidance and help. Thank u!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33470
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: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: Saw an offer to open a new business account with Citibank and receive from XXXX to XXXX depending on the amount of money deposited into the account for three month average. I wanted to transfer my money from XXXX XXXX to Citibank business account but of course I had accounts payable had to order new checks and change some information with my accountant and credit card processor which took a few weeks. The banker said I would have time to transfer it from XXXX XXXX. It was a lot of work to transfer to citibank. After 4-5 months I noticed I had not received any bonus at all. When I approached a banker, he said, sometimes it takes extra time. Then a couple of months later, I was interested in opening a CD and brought it up again, and wanted them to look into it in more detail. Now this is nine months and I was supposed to receive it after 90 days. This time they said that they didnt put in the proper promo code or something, and they had to find that code, but they were having trouble finding it. Then I talk to a bank manager, XXXX XXXX XXXX, in XXXX, Connecticut at the branch that I opened it. He said there was a dispute put in. He called me once at work when I was very busy and I told him Id call him back and he has not responded to any of my phone calls or emails since then its been a few weeks now I went into the branch and talk to a banker, but he was not there. It honestly feels like to me that they purposely do this and just hope customers forget about it because theyre so busy with their business and get frustrated and quit pursuing it. They know all the aggravation it would be for me to take my money out now and change back to a different bank. I bet if you surveyed all of the people who signed up for this promo, many of them did not get any of their bonuses, and I would suspect a class action lawsuit could be filed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 069XX
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-13
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' 15 USC 1681 section604 a section 2 " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The financial institution and the Consumer reporting agencies do not have my consent to furnish my information and they do not have my written consent.15 USC 6802 ( b ) ( c ) I do not consent and revoke any and all verbal, non-verbal, written, implied, all assumptions to disclose nonpublic personal information to a nonaffiliated third-party " 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at anytime. '' I am opting out of your reporting services.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33186
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-13
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 reserved and paid for a short-term rental property through the XXXX platform for XXXX XXXX, XXXX We were having a family celebration for which all of us were driving hours to reach the secluded luxury home. Upon check-in on XX/XX/XXXX, we were met with an overwhelming sewage stench and immediately reached out to the host. After hours of hanging around outside ( because the smell was so bad ), acting in good faith that there would be a resolution, they did not resolve the issue and we were not able to stay. This was not a matter of us changing our minds or not showing up. If we had been a no-show, there would have at least been a one-night fee with a refund of the rest. We showed up for our reservation but could not stay because of the sewage stench. We showed up but could not stay because of the hosts misrepresentation and neglect to provide what had been promised. I made attempts to resolve the issue and gave them opportunities to resolve the dispute. Documentation of all communications is attached below. I requested a full refund of {$1800.00}. There is no way for us to document a smell other than contacting the host which we did immediately on check-in. During a phone call on XX/XX/XXXX, the host told us that they sent someone out the day after we left ( XX/XX/XXXX ) and that there was no smell. Why did they not send someone out when we contacted them upon check-in? Why were there spray cans of air freshener? Why was there an air filter/purifier positioned at the entrance to the lower level? Why would I and other family members drive hours just to turn around and leave? After multiple attempts with the host ( XXXX XXXX XXXX ) and XXXX there was no resolution and no willingness to provide a refund of any amount. XX/XX/XXXX- I filed a dispute on the charge with my Citi VISA. XX/XX/XXXX I provided detailed documentation to Citi VISA, including screenshots of all communication. XX/XX/XXXX Citi VISA requested additional information. Though I had already provided lengthy documentation, I set to work to compile even more information. Only 5 days later on XX/XX/XXXX, before I had an opportunity to send the requested " additional information, '' I received notification from Citi VISA stating that they decided I was responsible for the charge. -- Our reservation was for XXXX XXXX. -- We were informed a few days before our trip that there was an issue with the bottom level of the house, and we would not have access. We found out later that there had been a burst pipeso they knew about the issue before we arrived. -- We showed up for our reservation in good faith that what we paid for was what we had been promised. We made good-faith efforts to resolve the issue for a few hours once we arrived. All of our family members were driving hours to gather together. We showed up in good faith and the host clearly did not deliver what they promised. -- XX/XX/XXXX- When we arrived for check-in at XXXX XXXX, we immediately called the host because there was a horrible sewage stench. There were multiple spray cans of air freshener and positioned next to the entrance to the lower level was an air filter/purifier. -- It took over an hour for someone to get back to us. The smell was so bad we were not able to even sit in the house while we waited. They assured us someone would come to the property to check on the smell but then, without sending anyone to check it out, they said they would be unable to fix these issues during our stay. -- They offered one of their other properties but the property they offered was smaller and inferior in both quality and location to the property we had reserved. We reserved Luxury in the Mountains in a quiet location with beautiful views and space for everyone in our group to have a private bedroom. The alternative property did not offer similar accommodations. It did not offer the quiet serenity we originally booked as it was located on a noisy through road and it did not have enough space for our entire group to stay comfortably. The choice given to us by XXXX XXXX XXXX was to either stay at the original property and deal with the sewage smell or cram into a smaller property in an undesirable area. -- We could not stay at the property we reserved because of the horrible smell and for over $ XXXX, it is unfathomable that we should be expected to be okay living with that for our entire stay. At XXXXXXXX XXXX. they said they understood and would get back to us with a resolution and thanked us for our patience. -- At XXXX XXXX. we asked if we would get a refund if we left and they did not answer the question. ( If we had been a no-show, there would have been a one-night cancelation fee with the rest being refunded. ) -- At XXXX p.m. we still had not heard back from them, family members were arriving, and it was dark. We were still waiting outside. We informed the host that we were leaving the property. They said someone would call us the next day ( XX/XX/XXXX ). -- XX/XX/XXXX- After waiting all day for a call, we reached out at XXXXXXXX XXXX They said they would follow up. Shortly after, we received a phone call stating that they would not be issuing a refund. How is this even logical? If we had been a no-show, there would have been a one-night cancelation fee with the rest being refunded. We showed up but could not stay because of the hosts misrepresentation and neglect to provide what had been promised. We then reached out to XXXX about our experience. -- XX/XX/XXXX - XXXX informed us that it was up to XXXX XXXX XXXX to provide a resolution. -- XX/XX/XXXX- I filed a dispute on the charge with my Citi VISA. -- XX/XX/XXXX I provided detailed documentation to Citi VISA, including screenshots of all communication. -- XX/XX/XXXX Cit VISA requested additional information ( all of which I had already provided in the detailed documentation ). I started working on making the additional information more clear. -- XX/XX/XXXX Before I had an opportunity to send " additional information, '' I received an email from Citi VISA stating that they decided I was responsible for the charge.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30101
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-13
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Re billed for unknown charges with added late fees and interest for fraudulent charges.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08757
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-13
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: On XX/XX/XXXX Citi bank randomly decided to lock my account and hold my funds for no reason whatsoever. They told me that my account would be closed, an Id receive my funds within 60 days. It has been well over 60 days and everytime I call Citi bank nobody has any information on my account. Due to my account being locked for no reason and not receiving my money in a timely fashion has ruined my life. Ive been late on bills and may have to file for bankruptcy.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77004
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-13
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: Noticed XXXX statement with a balance of {$16000.00} and no way charged that. Noticed charges for department stores out in another state, XXXX charges that had foreign charges, and consultation fees. Informed Citibank in XXXX regarding all these charges, was on the phone with them for a long time going over every transaction. Received a letter in XXXX that they were investigating. Called back in XXXX to find out status but they kept having to send a code letter to find out anything and every time same answer was being looked at. In the mean time they were expecting a payment on the card every month even though the dispute was not resolved. Have talked with these folks every month and this month ( XXXX ) they are still not giving any details about their investigation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 762XX
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-13
Issue: Getting a credit card
Subissue: Problem getting a working replacement card
Consumer Complaint: I applied for the Citi Bank XXXX XXXX XXXX XXXX that included a XXXX miles bonus and was approved on XX/XX/XXXX, since this date I have been monitoring my incoming mail to confirm receipt and avoid any issues. I have communicated to Citi Bank numerous times concerned about the delay in receiving my card and all they tell me is to continue to wait one more day etc. On XX/XX/XXXX I received a text message and a automated phone call stating that the card was returned to Citi Bank and to call them that my mailing address is incorrect. The many times I communicated with Citi Bank I had to verify my identity and my address was never an issue because it is recorded correctly with them. I called Citi Bank XX/XX/XXXX and notified them of the messages I received, the representative canceled that card and processed another card this time expedited for receipt in two days. I visited my Citi mobile app today XX/XX/XXXX and a new credit card number # XXXX was created and then I noticed that said " Account Closed ''. I went ahead and contacted Citi Bank once again immediately XX/XX/XXXX and reported this to them and the representative advised me that the previous representative I spoke with on XX/XX/XXXX did everything wrong and that he was going to contact customer service to assist and correct this problem and errors made to my account, finally I need to wait 7-10 days for an update.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A