Date Received: 2023-09-13
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I did not authorize my card to be charged by XXXX XXXX XXXX for {$2.00}, XXXX, and I told and have given police and identity theft report also company charged debt off to other debt collectors and they have been harassing me and creditor is still seeking payment with other debt collectors and thats unlawful and they have this information. I have also asked for verification of my authorization this transaction and they have not given me that! And the reinvestigation did not seek valid proof or information about this account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90047
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: Had XXXX balance on my Wayfair card on XX/XX/2022 I ordered a artificial tree, as soon as I received it I called the company to return it because it was nothing like the picture it was horrible. They received the tree XX/XX/2022 atXXXX, tracking number is XXXX. They refuse to refund my money, the tree was {$300.00} my card is over {$500.00} now and they are sending it to the credit bureau! I can't believe I am going through this for a year they just don't care and say I have to pay even though they know they have the tree!! I hope you can please help me, I only bought this tree was because my husband passed away and had know one to bring me a real one and they know this and every time I call them they say they are sorry they will take care of it and then they do nothing and I get a bill with more charges on it...
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 179XX
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: Sears/ Citi retaliated against me for a prior complaint and closed my Sears XXXX account. They based this closure on an unauthorized credit check, however I had not recently requested credit from them. Sear/ Citi is inaccurately reporting my account as delinquent to the credit bureaus when I have lawfully requested a discharge or mutual offset of the account balance. Sears/Citi is in dishonor and estopped from further collection and negative credit reporting for their default in refusing to provide a notice of dishonor from a qualified third party such as the XXXX XXXX upon request. All of the prior notices such as acceptance for value, and exhibits/ affidavits clearly state the federal laws such as 18 USC 8 ( Obligation or other security of the United States ) and HJR 192 of 1933 ( Suspension of the gold standard ) that allow credit card balances to be discharged through the XXXX XXXX . Sears/Citi has not been able to refute this information/ laws. Instead Sears/Citi has kept the 1099A accounting document which I submitted to them and they have refused to discharge or mutual offset the account. Sears/Citi stated they could not accept the payment method which is a violation of UCC 3-603 ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge ( XXXX XXXX XXXXXXXX ) I am also requesting a copy of the forms XXXX XXXX XXXX XXXX XXXX XXXX which financial institutions such as Sears/Citi use to claim exemptions for account holders without the account holders knowledge. These documents should prove that the financial institution such as Sears/Citi is the XXXX debtor. Therefore based on my various written requests via certified mail Sears/Citi should have applied to have my account balance discharged or mutually offset to XXXX through the XXXX XXXX . As a result this Sears/Citi account is not delinquent and the balance should have already been set to zero as these requests have been made over XXXX XXXX ago. If Sears/Citi refuses to remove any late fee/ negative reporting they will be in violation of 15 USC 1666b. 15 USC 1666 ( b ) states ( a ) TIME TO MAKE PAYMENTS A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 073XX
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: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Sears/ Citi retaliated against me for a prior complaint and closed my Sears Mastercard account. They based this closure on an unauthorized credit check, however I had not recently requested credit from them. Sear/ Citi is inaccurately reporting my account as delinquent to the credit bureaus when I have lawfully requested a discharge or mutual offset of the account balance. Sears/Citi is in dishonor and estopped from further collection and negative credit reporting for their default in refusing to provide a notice of dishonor from a qualified third party such as the US Treasury upon request. All of the prior notices such as acceptance for value, and exhibits/ affidavits clearly state the federal laws such as 18 USC 8 ( Obligation or other security of the United States ) and HJR 192 of 1933 ( Suspension of the gold standard ) that allow credit card balances to be discharged through the US Treasury . Sears/Citi has not been able to refute this information/ laws. Instead Sears/Citi has kept the 1099A accounting document which I submitted to them and they have refused to discharge or mutual offset the account. Sears/Citi stated they could not accept the payment method which is a violation of UCC 3-603 ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge ( https : XXXX ) I am also requesting a copy of the forms 1096, 1099, OID, INC, and PRC which financial institutions such as Sears/Citi use to claim exemptions for account holders without the account holders knowledge. These documents should prove that the financial institution such as Sears/Citi is the fiduciary debtor. Therefore based on my various written requests via certified mail Sears/Citi should have applied to have my account balance discharged or mutually offset to XXXX through the US Treasury . As a result this Sears/Citi account is not delinquent and the balance should have already been set to zero as these requests have been made over 60 days ago. If Sears/Citi refuses to remove any late fee/ negative reporting they will be in violation of 15 USC 1666b. 15 USC 1666 ( b ) states ( a ) TIME TO MAKE PAYMENTS A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 073XX
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: Managing an account
Subissue: Banking errors
Consumer Complaint: Hello, this is in response to the below complaint which was closed. The Bank needed a W9 which was provided and received. After doing all that work, I just called them, and they are still not honoring the promo bonus. I am beyond frustrated with this company and its treatment of their customers. I hope it can be resolved since they won't do it alone. COMPLAINT ID XXXX SUBMITTED ON XX/XX/2023 PRODUCT Checking or savings account ISSUE Managing an account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
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: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I received a letter in the mail from Citi advertising a {$200.00} cash bonus promotion for opening a new checking account. There were some things to do in order to receive the cash bonus - send 2 payments using the account. I signed up for the account on XX/XX/XXXX. I completed the required funding ( XXXX XXXX ) and the payments by early XXXX. I then called Citi 3 separate times to confirm that I had completed all the requirements and that I would receive the {$200.00} bonus. Each time, they assured me that yes, the bonus was coming and I just had to wait. Then Citi charged me XXXX XXXXXXXX for low balance fees in the account. It's now XX/XX/XXXX and I've just called Citi again to check on the {$200.00} bonus. They again gave me no answers and this time just said " they'd look into it '' and that maybe I didn't click some enrollment button? I then closed the account to stop getting charged these XXXX XXXXXXXX fees. The whole process is absolute garbage. Why would you send me a letter in the mail advertising a {$200.00} bonus and then make it impossible to get? Should the person receiving this letter need to call 10x in order to receive the bonus? This whole thing is a consumer trap and their customer service department is all based in XXXX and has no idea what's going on. They just try to placate you enough to get off the phone and then wear you down so you won't call back again. I absolutely terrible process and customer service. Not to mention that I've been a Citi credit card customer for over XXXX... insane this is how they treat customers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44116
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 when making payments
Subissue: Problem during payment process
Consumer Complaint: My Credit Union payed off my balance to Citi Cards on XX/XX/XXXX for XXXX on XX/XX/XXXX I called Citi bank because it hadnt been applied to my account. I called again XXXX times and spoke to XXXX Supervisors since XX/XX/XXXX XXXX till XX/XX/XXXX because still no credit to my account I called my Credit Union found out the check had been cashed by Citi Bank on XX/XX/XXXX XXXX and my Credit Union has issued a copy of the cashed check cashed by them. My full name, Address, and account number is on the check and I sent a copy of the cashed check that went to Citi investigation and still they have not credited my account. I have made a payment to the account on XX/XX/XXXX since they claim they didnt have the check and they have the check and cashed it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 130XX
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: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: I got scammed by XXXX XXXX XXXX in XXXX XXXX while I never been there and never open site to do transactions, my credit card details has been stollen and used in XXXX XXXX and bank now says they were authorised transactions. Bank name : Citi Bank Card : Credit Card Card used in : XXXX XXXX via XXXX XXXX Transactions : 1. XXXX XXXX XXXX XXXX XXXX {$150.00} 2. XXXX XXXX XXXX XXXX XXXX {$280.00} 3. XXXX XXXX XXXX XXXX {$430.00} On XX/XX/XXXX I got called from my health provider XXXX asking for payment method due to it was declining direct debit for like 3 months so I assured they are them before giving them my credit card details and shed XXXX to them and they deducted around {$46.00} which was due so that was fine. On XX/XX/XXXX while I was watching video on XXXX all of sudden it recognised my face 3-4 times showing blue circle on the top of the apple phone it generally does when we try to unlock phone and make payments so at that time I didnt understand what happened and I tried to figure out if that plays in the video as well so I tried to play video several time but it wasnt so didnt find out what happened. Next day XX/XX/XXXX I got called from Citibank I dont pick up due to was sleeping but when I called back it played recorded message about Citibank found suspicious activity in my credit card I thought its scam so I hang up but I was curious and checked my Citibank statement and found out that there were unauthorised 3 transactions was made in XXXX XXXX , then I called back to Citibank and explained them what happed and I also asked if I need to report to police station they said dont need to we will refund you after investigating so I didnt report but later on XX/XX/XXXX I got letter in post that says those transaction was authorised by me hence they can not do refund. As soon as I got that letter I called them and asked them to give me call back but they didnt call me back neither give proper explanation why they cant refund me. After that I reported to XXXX # XXXX & XXXX # XXXX, those are the case and refernace numbers that I reported to. Then I called back them again on XX/XX/XXXX and they asked me to get the details from mobile service provider saying that my phone was hacked or from XXXX saying my XXXX XXXX was hacked or any kind of proof to reopen the case. However why they did not asked me these stuff earlier at that time? I called my service provider XXXX XXXX- they said its been long and they dont have information Called XXXX- they said they dont store transaction details, the phone used they only have transaction details doesnt matter if same card in both phones the phone used that only phone has transaction history thats why those transactions arent showing in my phone and they said thats my proof. And they dont have any other proof. I called them Citibank and asked why they didnt asked me to get those details earlier and closed my case? The apologised and make complaint to their department and I also mentioned them that I complied to above authorities so she transfered me to someone else to discuss about it due to I reported to authorities and they offered me to pay half of the money I said I can not while those transaction I didnt authorised so I need full refund. However she reopen the case and they will do further investigation on it. But I still doubt they will not refund me scammed money. Hence I need your help resolve this issue. Thank you
Company Response:
State:
Zip: XXXXX
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: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I am a joint co-signer on my mother s bank. The bank sent me an ATM while I was in XXXX someone stole the ATM I have never received it and activated it and withdrawn a total of XXXX. The bank even though I told them that I filed a police complaint online and that I have my traveling tickets confirming that I was in XXXX the time of the withdrawal which happened between XX/XX/XXXX and XX/XX/XXXX keeps saying that it was me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92504
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-12
Issue: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: I APPLIED FOR A HOME DEPOT CREDIT ACCOUNT IN THE XXXX, ALABAMA STORE. WHEN I WAS APPROVED I WAS PROVIDED WITH SOMEONE ELSE 'S LAST NAME AND ADDRESS ON MY CREDIT FILE. ALL ATTEMPTS TO MAKE THEM CORRECT THEIR MISTAKE WERE MET WITH INSINUATIONS, ATTREMPTS TO DIVERT RESPONSIBILITY, AND OUTRIGHT LIES. I PROVIDED A COPY OF MY ALABAMA DRIVER 'S LICENSE AND US PASSPORT CARD IN THE STORE. CITIBANK REFUSES TO ACCEPT RESPONSIBILITY OR EXPLAIN HOW SOMEONE ELSE 'S IDENTITY WAS MERGED WITH MINE.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 357XX
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A