Date Received: 2023-09-12
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: FOR CFPB : The previous complaint was closed, reason : The CFPB closed this complaint because it has already processed your earlier complaints about this problem. However, I HAD NOT submitted the complaint before and I CALLED THE CFPB to have them resolve this issue... DO NOT Close this complaint as having been submitted/processed before, This is the FIRST TIME the CFPB is hearing about it. XXXX XXXX XXXX XXXX MY MESSAGE TO THE COMPANY WHO OVERCHARGED ME ABOUT THE DISCLAIMER, THEY THINK MAKES IT OK TO VIOLATE FEDERAL LAW BY DECEPTIVELY, UNFAIRLY, AND MISLEADINGLY ADVERTISING IN A WAY THAT MONETARILY BENEFITS THEM AND IS 100 % FALSE, KNOWINGLY DOING SO. Sent to their email support " That statement does not allow you to violate federal regulations on advertising. The issue I had is with your company 's listings, you list the product as XXXX pieces and XXXX, 100 % of the product I received of XXXX was XXXX pieces and XXXX lbs. It is obvious the marketing is deceptive, your company is aware as it tracks daily what is being sent out and has a responsibility to try to provide accurate estimates so that 100 % of the product your customers receive is not [ not ] as described. " Under the law, claims in advertisements must be truthful, can not be deceptive or unfair, and must be evidence-based. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Knowingly supplying false evidence [ listings ] to customers is a crime, your company profited from doing so, you haven't updated your listing and you are continuing to keep my money after the offense. '' ******************************************************************* This is a report of deceptive business practices by XXXX XXXX XXXX for my financial institution as well as for the FTC. This in relation to the following charge on my Citi Card XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX {$520.00} XXXX points {$2400.00} I contacted XXXX XXXX XXXX to inform them that they charged me over 55 % more for a single item, of which I ordered approx. XXXX of, instead I received XXXX, almost XXXX more. To begin please note XXXX XXXX XXXX has a disclaimer that individual products weight is based on estimates. Unfortunately this does not make the practices they are engaged in legal for a number of reasons. First and foremost, the XXXX XXXX employee asked me where it says they sent and charged me for XXXX of food was on my order page, it was nowhere because XXXX XXXX does not disclose this... This is despite them accurately calculating it in my total, despite the range of weights for the specific products I received generally being accurate ( see picture XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). That means that despite XXXX XXXX grossly over-sending me product, which they obviously measured, and knowing how much they send out, they DO NOT display this in a manner customers can easily and quickly find. Customers have to look at all the labels on the products, in this case XXXX different pieces, calculate the weight, THEN calculate the weight of ALL OTHER ITEMS to cross reference the total amount charged. Just to find AND CHECK that correct charges have been levied for a single item. Once again XXXX XXXX has this data and chooses not to display it, when confronted the XXXX XXXX employee whose COMPANY HAS THIS DATA questioned where I got it from, requiring me to explain to her how I knew. This generally would not be an issue since it may be covered by their disclaimer claiming meat weights are estimates, that would be if the average weight of XXXX products totaling XXXX wasn't XXXX. In addition to this discrepancy XXXX XXXX ALREADY KNOWS the weight of the meat they are sending out as it was accurately displayed on my order sheet after I had paid and pieces of meat collected... However, despite once again knowing this information XXXX XXXX chose to publish the listing for this meat saying it was simply ( see picture XXXX ) " XXXX Pieces | approx. XXXX ''. Not a single piece of the meat items I received had XXXX pieces, all had XXXX pieces and were significantly heavier than XXXX by at least approx. half a lb. This all adds up to mean XXXXXXXX XXXX XXXXXXXX, knows what meat items that are sending out and they are close to XXXX in weight and contain almost exclusively XXXX pieces. They market this item as " XXXX Pieces | approx. XXXX '' despite this. Then despite them knowing how much they sent you in weight, they choose not to provide customers any of this information on order pages ( see picture XXXX ), so customers have to calculate the weight and charges of EVERY SINGLE ITEM in the order and XXXX cross reference their numbers with XXXX XXXX This clearly meets the standard for deceptive business practices, despite me informing XXXX XXXX of this and requesting a refund of the approx. {$100.00} overcharge for a 55 % + ( XXXX ) of extra meat they sent me on an XXXX order they have neither refunded me nor contacted me within the XXXX hours I gave them. Their disclaimer, nor any others does not cover illegal and deceptive business practices, I run a multi-million dollar business, and I know XXXX XXXX will make vastly more money on this than they will have people fight back. Under no uncertain terms, I WILL NOT PAY FOR THIS EXTRA CHARGE. Any financial institution that attempts to collect any debt attached to this will find themselves facing legal action and I will report it to applicable government regulators and law enforcement.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30144
Submitted Via: Web
Date Sent: 2023-09-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-12
Issue: Closing on a mortgage
Subissue: Trying to communicate with the company to fix an issue with the loan closing
Consumer Complaint: 1, I never received the {$5000.00} lender credit due to the homerun program I was eligible for. I was constantly lied too throughout the process that I was not eligible for it until I emailed the XXXX XXXX income median. I also reported to XXXX XXXX, I was forced to take a XXXX XXXX class as I was told by XXXX and XXXX once my loan originated XXXX XXXX would be my investor and Citi Mortgage would be my lender. NONE OF THIS HAPPENED. I would of never agreed and moved on with a different bank. I was more than qualified. CITI MORTGAGE IS NOT ALLOWED TO SERVICE THERE OWN LOANS DUE TO MASSIVE FRAUD. HOWEVER STILL CAN DO EVERYTHING ELSE ACCEPT SERVICE THE LOAN. THE OCC FINED MILLIONS OF DOLLARS HOWEVER THE OCC ALLOWED A LOOP HOLE FOR FRAUD AND GAMES. XXXX WAS THE MINION WHO KEPT CHANGING THE NUMBERS ON THE CD AND XXXX XXXXXXXX XXXX. I HAVE EMAILS FROM XXXX AND A RECORDED CALL FROM HER CELL PHONE INFORMING ME XXXX XXXX IS THE ONE WHO ADVISED TO SWITCH THE NUMBERS AROUND AND HAVE IT IN WRITING. XXXX XXXX SHOULD GO TO JAIL FOR FRAUD. THIS PERSON XXXX AND THE HIGHER UPS THAT ALLOWED HER TO COMMIT FRAUD. I HAVE ALL THE EMAILS FOR THE TEN HOURS ON XXXX CLEARLY TRYING TO PUT AN END TO THIS. I DID NOT WANT TO CLOSE AND POINTED OUT THE FRAUD BEFORE THE CLOSING. LET ME BE CLEAR THESE PEOPLE FORCED THE SELLER TO RAISE THE PRICE FROM {$220000.00} TO {$230000.00} TO EVEN OUR RATIOS FOR CITIMORTAGE AND THE SELLER WOULD PROVIDE A {$5000.00} SELLER CREDIT AND PAY DOC STAMPS. THIS DID NOT BENEFIT ME AT ALL. THIS COST ME MORE MONEY. THE HOMERUN PROGRAM OF {$5000.00} FROM CITI MORTAGE WAS NEVER GIVEN TO ME IN A CHECK AND FORCED ME TO CLOSE OR MY {$10000.00} WOULD BE LOST. 2, MY INVESTOR IS CITI MORTGAGE, THIS WAS GREATLY DISCUSSED ON RECORDED CALLS FROM MY CELL PHONE AND MY MY LAW OFFICE. LAWYERS AT MY LAW FIRM ADVISED ME TO RUN FROM THIS BANK. I HAVE EMAILS STATING SUCH FACTS, XXXX. THE CONSTANT GAMES THROUGH OUT THIS PROCESS. NO ONE KNEW WHAT THEY WERE DOING. I STARTED THIS PROCESS IN XX/XX/2021 AND CLOSED XX/XX/2021. I WAS WELL PREPARED IN ADVANCE. PROVIDED ALL THE DOCUMENTS IMMEDIATELY. I HAVE ALL CORRRESPONDENCE, EMAILS AND PHONE CALLS TO BACK UP MY CLAIMS. 4. I WAS INFORMED BY XXXX AND XXXX i WOUDL RECEIVE THE {$5000.00} IN A CHECK AFTER CLOSING. THIS NEVER HAPPENED. THE DAY OF XXXX. THE DAY OF MY CLOSING SCAMBELED FOR TEN HOURS TO CHANGE NUMBERS AND COMMIT FRAUD AS THE SAME WAS DONE THE NIGHT BEFORE ON THE CD AND DID NOT AGREE. MY {$5000.00} WAS LEFT OUT OF THE CD, NUMBERS WERE INFLATED AND CHANGED TO BENEFIT CITI MORTAGAGE. MY FICO SCORE WAS AN AVERAGE OF XXXX Citi Mortgage states this. False. I can provide my average was a XXXX. This did not change my rate as I was in the XXXX 's Citi inflated the interest rate to 3.2 % and I clearly stated that is not the correct rate. They came back with 3 %. It is all the game and what they can get away with from the consumer. The mental abuse dealing with these people was exhausting. XXXX XXXX XXXX XXXX. 5. My {$5000.00} was never given to me and I NEVER AGREED TO BUY POINTS. I HAD NO REASON. I CAN PAY TWO EXTRA MORTAGE PAYMENTS A YEAR. THEY TOOK {$3800.00} FROM ME TO BRING MY LOAN DOWN TO 2,75 %, I DID NOT AGREE AFTER THEY LIED. I WAS ABUSED AND FORCED TO CLOSE. I ASKED FOR A DENIAL LETTER BY EMAIL. I WAS INFORMED CITI MORTGAGE WOULD BE KEEPING MY {$10000.00} ESCROW FUNDS IF I DID NOT CLOSE. 6. LEGALLY A DENIAL LETTER WOULD OF RELEASED THESE FUNDS AND NOT ENDURE ANY MORE ABUSE FROM THESE CLOWNS. 7. I HAVE EMAILS FROM XXXX XXXX THAT I WOULD BE REMOVED FROM ESCROW SINCE XXXX WAS BEYOND PUTTING ME AT RISK NOT PAYING MY TAXES OR HOMEONWENERS POILCY AND CAUSING CANCELLATION OF MY POLICY THE LAST TWO YEARS. THE ESCROW WAIVER WAS EXECUTED AND I HAVE EMAILS WITH THIS INDIVIDUAL. XXXX XXXX XXXX XXXX. My note has no limitations or any disclosures I must be escrowed. 9. I have at least 6 CD from XXXX to XXXX. 10. I will go to small claims court with all my emails and proof. 11. The closing documents were wrong. I was completely abused on XXXX and DID NOT WANT TO CLOSE AND REGRET EVERY BEING INVOLVED WITH SUCH A FRAUD BANK. THE NUMBERS ARE SO CORRUPT ON THE CD. From : [ gmail.com ] XXXX XXXX XXXX Sent : Friday, XX/XX/2021 XXXX PM To : XXXX, XXXX XXXX XXXX XXXX ] XXXX Cc : XXXX, XXXX [ XXXX ] XXXX ; XXXX, XXXX [ XXXX ] XXXX Subject : Re : XXXX This XXXX is From an External Sender This message came from outside of your organization. This is ridiculous. I should be getting money back as the way it was explained I can use that money toward debt. Now I am paying for points. Bottom line- so many violations going on. Closer lied and chaos, conflict and constant confusion and circling. A lot of strategizing. I do not think so. As for what happen yesterday is downright unethical. What she was told by whom. XXXX said XXXX XXXX told her to change taxes!!!! XXXX, I like you however this is unethical dealings and not right. Citi needs to take accountability. This is unacceptable. All of it. Basically I am taking {$5000.00} to buy points! My hotel bill currently at {$4100.00} and counting. I am not closing today. Citi can be responsible for additional charges from the realtor and seller and take accountability for the violations. XXXX who is a very well respected Attorney is being blamed by the closer! This is very serious what is going on- Also as for the {$5000.00} there was never a conversation that I can only buy points with this. I was told I can put additional funds toward debt. What should happen is after all that happen apply it toward my down payment. This has cost me time and money. This is unacceptable on so many levels. 2.75 % No I am not accepting that. It does not cost {$2500.00} for XXXX!! I am not paying for points. You better have XXXX XXXX office call me. I did not cause this! XXXX XXXX XXXX below is just some of the thread from these unethical leaches. XXXX, XXXX XXXX XXXX XX/XX/2021, XXXX to me, XXXX XXXX XXXX XXXX will send the correct one with $ XXXX lender credit and $ XXXX seller credit plz ignore that XXXX it is clearly incorrect and not updated with the correct figures yetthanks From : [ gmail.com ] XXXX XXXX XXXX Sent : Thursday, XX/XX/2021 XXXX PM To : XXXX, XXXX XXXX [ XXXX ] XXXX XXXX : XXXX, XXXX [ XXXX XXXX XXXX XXXX : XXXX : Final CD XXXX, XXXX This Message is From an External Sender This message came from outside of your organization. Look at the XXXX XXXX that I sent you that does not show {$5000.00} lender credit. This is the last XXXX XXXX sent. Sent from my XXXX Begin forwarded message : From : XXXX XXXX XXXX Date : XX/XX/2021 at XXXXXXXX XXXX XXXXXXXX To : XXXX XXXX XXXX XXXX Cc : XXXX XXXX XXXX XXXX : Final XXXX XXXX, XXXX XXXX XXXX, Take a look and you will see I only received {$2500.00} from the {$5000.00} Homerun lender credit. Thanks, Sent from my XXXX XXXX, XXXX XXXX XX/XX/2021, XXXX to me, XXXX XXXX, I just sent over most recent CD. I thought you reviewed the XXXX XXXX attached to the email. Thank you. From : [ gmail.com ] XXXX XXXX XXXX Sent : Thursday, XX/XX/2021 XXXXXXXX XXXX To : XXXX, XXXX XXXX XXXX XXXX ] XXXX Cc : XXXX, XXXX [ XXXX ] XXXX Subject : XXXX : Final CD XXXX, XXXX This Message is From an External Sender This message came from outside of your organization. Look at the XXXX XXXX that I sent you that does not show {$5000.00} lender credit. This is the last XXXX XXXX sent. Sent from my XXXX XXXX XXXX XXXX XX/XX/2021, XXXX to XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXwriter? Sent from my XXXX On XX/XX/2021, at XXXXXXXX XXXX XXXX, XXXX XXXX XXXX wrote : XXXX, XXXX XXXX XXXX XX/XX/2021, XXXX to me, XXXX XXXX XXXX If you could please be patience I promise XXXX is on top of this and will get it fixed please just give her some time You will have a {$5000.00} lender credit and a {$5000.00} seller credit at closing you absolutely have my word on that just plz be patient here Thanks XXXX XXXX XXXX XX/XX/2021, XXXX to XXXX, XXXX I am not going to do this XXXX Why all the confusion. You sent me a secure CD its wrong. The taxes were reduced. SEND Me the proper CD you have me owing at closing??? Sent from my XXXX On XX/XX/2021, at XXXX XXXX XXXXXXXX, XXXX XXXX wrote : XXXX, XXXX XXXX XX/XX/2021, XXXX to me, XXXX That is correct. XXXX called me and stated the prorations from the seller were reduced. XXXX XXXX XXXX XX/XX/2021, XXXX to XXXX XXXX, Its way too much now. Did you see the CD I sent you. The new CD she sent property taxes were changed to {$350.00} from {$2900.00} approximately. This is just well careless. I am exhausted from this. Sent from my XXXX XXXX, XXXX XXXX XX/XX/2021, XXXX to me, XXXX XXXX, I tried calling you, it says your mailbox is full. If you have any additional questions please contact me at XXXX. Thank you. From : [ gmail.com ] XXXX XXXX XXXX Sent : Thursday, XX/XX/2021 XXXXXXXX XXXX To : XXXX, XXXX [ XXXX ] XXXX XXXX XXXX XXXX XX/XX/2021, XXXX to XXXX, XXXX Before I speak to you . Please see next email with proper updates that needs to be corrected. See Next Email with CD and correct figures. Sent from my XXXX XXXX XXXX XXXX XX/XX/2021, XXXX to XXXX, XXXX XXXX from XXXX XXXX Begin forwarded message : From : XXXX XXXX XXXX Date : XX/XX/2021 at XXXX PM XXXX To : " XXXX, XXXX XXXX '' XXXX Subject : Re : Final CD XXXX, XXXX XXXX, XXXX, XXXX XXXX XX/XX/2021, XXXX XXXX me, XXXX XXXX, Prorations ( the only thing that changed ) come from title company. XXXX called me and said the seller reduced the prorations. That is something that is out of my control. Thank you. From : [ gmail.com ] XXXX XXXX XXXX Sent : Thursday, XX/XX/2021 XXXX PM To : XXXX, XXXX [ XXXX ] XXXX XXXX XXXX XXXX XX/XX/2021, XXXX to XXXX, XXXX, XXXX The property taxes are not {$350.00} for 8 months!!! Sent from my XXXX On XX/XX/2021, at XXXX XXXX XXXX, XXXX XXXX wrote : XXXX XXXX XXXX XX/XX/2021, XXXX to XXXX Sent from my XXXX XXXX forwarded message : From : " XXXX, XXXX '' XXXX Date : XX/XX/2021 at XXXXXXXX XXXX XXXX To : XXXX XXXX XXXX Cc : XXXX XXXX, XXXX XXXX '' XXXX Subject : RE XXXX Final CD XXXX, XXXX XXXX XXXX XX/XX/2021, XXXX XXXX, XXXX XXXX XX/XX/2021, XXXX I do not see XXXX XXXX shot. Can I have the final CD. XXXX XXXX XXXX Attachments XX/XX/2021, XXXX to XXXX Sent from XXXX XXXX Begin forwarded message : From : XXXX XXXX XXXX Date : XX/XX/2021 at XXXX PM XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : XXXX XXXX XXXX, XXXX XXXX XXXX, Take a look and you XXXX XXXX XXXX only received {$2500.00} from the {$5000.00} Homerun lender credit. Thanks, Sent from my XXXX XXXX attachment Scanned by XXXX XXXX XXXX XXXX Attachments XX/XX/2021, XXXX to XXXX See another XXXX! Sent from my XXXX Begin forwarded message : From : XXXX XXXX XXXX Date : XX/XX/2021 at XXXX PM XXXX To : XXXX XXXX XXXX XXXX Cc : XXXX XXXX XXXX XXXX : XXXX XXXX Final CD XXXX, XXXX Look at the XXXX XXXX XXXX XXXX sent you that XXXX not show {$5000.00} lender credit. This is the last XXXX XXXX sent. Sent from my XXXX XXXX attachment Scanned by XXXX XXXX, XXXX XXXX XX/XX/2021, XXXX to XXXX, XXXX XXXX me Good morning XXXX : The XXXX you sent may not be the final CD. If the final CD does not utilize the full {$5000.00}, we are dropping your interest rate and adding points, giving you a better deal. We will not leave any money on the table. XXXX XXXX Sales Manager, CBNA XXXX XXXX ID : XXXX CITI Logo Profile Picture XXXX XXXX XXXX XXXX, MO XXXX OFFICE : ( XXXX ) XXXX FAX : ( XXXX ) XXXX EMAIL : XXXX WEB : citi.com/jimurosevic When using email to send confidential documents, remember that email delivery is not always secure. For a higher level of security, visit www.citi.com/mortgagestatus to check your loan status and upload required documents. If you prefer to mail your documents, a self-addressed envelope will be provided in your Welcome Package. If you require an additional envelop or need assistance uploading documents, please contact your processor. From : [ gmail.com ] XXXX XXXX XXXX Sent : Friday, XX/XX/2021 XXXX AM To : XXXX, XXXX [ XXXX ] XXXX Subject : XXXX : Final CD XXXX, XXXX This Message is From an External Sender This message came from outside of your organization. See another CD! Sent from my XXXX XXXX XXXX XXXX XX/XX/2021, XXXX to HollySargent These fees that will the seller will accrue will not be in me thats for sure. I have such pains in my chest and due the stress I can not even work today. This has caused so much conflict with my office, personally. If this was an error on XXXX office thats there problem not mine. 5 hours dealing with this. Legally Citi is not in compliance. I will not be sending or communicating with anyone as its not my problem. I have made this my problem for months and months. Ive officially check out of being a dog and trying to fix the constant problems. Have a nice weekend, Sent from my XXXX Begin forwarded message : From : " XXXX, XXXX '' XXXX Date : XX/XX/2021 at XXXX PM XXXX To : XXXX XXXX XXXX Cc XXXX " XXXX, XXXX XXXX '' XXXX Subject : RE : Final CD XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XX/XX/2021, XXXX to XXXX, XXXX, XXXX, XXXX, me XXXX XXXX To echo what XXXX stated I emailed an underwriter to request that we lower your rate even further to make sure you get full utilization of the {$5000.00} lender credit and dont leave anything funds on the table. Please know we are working on this as quickly as possible Thanks in advance for your patience From : XXXX, XXXX [ XXXX ] XXXXXXXX Sent : FridayXXXX XXXX XXXX XXXX XXXX XXXX To : [ gmail.com ] XXXX XXXX XXXX Cc : XXXX, XXXX XXXX XXXX XXXX ] XXXX ; XXXX, XXXX [ XXXX ] XXXX Subject : RE : Final CD XXXX, XXXX
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: 2023-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
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: The unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. THD/CBNA XXXXXXXX was still showing late payments. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or THD/CBNA customer service representative XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90022
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: Closing your account
Subissue: Company closed your account
Consumer Complaint: Hello, So I opened an account back in XXXX and two accounts since, but it was closed without my knowledge and the bank did not even warn me of closure. Everything was fine until one evening when I found out my accounts were closed when I was unable to make purchases on any of the account, so I thought maybe they don't accept certain cards but they said that they accept all credit cards. I have 3 accounts with Citi bank and I was in good standing, they were all paid on time and no late payments. I even send them a mail about my accounts being closed unexpectedly to get them to reopen my accounts, but they refused and they didn't even allow me to get my rewards back to me. This is poor practice by not just Citi but any Bank at all. I also had an intro bonus with my Citi- Premier card that was around XXXX thank you points after XXXX spending ( I was XXXX from hitting that bonus ) which I could have achieved 6 months ago if it wasn't for this unexpected turn of events.Basically, I wanted my accounts reactivated and restore to their previous state because it was unfair that my account closed unexpectedly like this. I also have disputes on my accounts that were unfairly ruled against me and if possible I will need to file a police report and also file other reports against this bank if it boils down to that. Not only is this unfair to me as a consumer but it is also unfair to anyone who has done business with Citi for 5+ years. Account HolderXXXX XXXX XXXX XXXX XXXX Account No- Costco Anywhere visa Credit card ending in XXXX ( account since XX/XX/XXXX )- with a -Credit limit of {$12000.00} with the current balance of " - {$100.00} '' -Restore my previous rewards Costco cash back from XXXX to {$220.00} that is supposed to be mailed to me later this year on the end of XX/XX/XXXX statement. Citi Custom Cash card ending in XXXX ( account since XX/XX/XXXX ) - Credit limit of {$6400.00} with the current balance of - {$96.00} Restore my previous Thank you rewards of XXXX Thank you points. Cit Premier card ending in XXXX ( account since XX/XX/XXXX ) - Credit limit of {$7000.00} Restore my intro bonus of XXXX Thank You points after {$4000.00} spending when I opened the account on XX/XX/XXXX, and extend it till the end of XX/XX/XXXX because I could have reached my intro offer by XX/XX/XXXX if my account wasnt closed. Restore my previous Thank you rewards on the account of XXXX Thank You points. Letter is below... To : The Office of the President, XXXX XXXX XXXX, XXXX XXXX, SD XXXX, Account Holder- XXXX XXXX XXXX XXXX Dear Office of the President, With due respect, I am informing you that my above-referred credit card accounts have been deactivated because of a reason unknown since XX/XX/XXXX, for a period of 1 week and 4 days as of the date this letter is being written, so I hope that it isnt too late. I don't believe there was any misinterpretation of information, but if there was, I am deeply sorry for any harm this may have caused and will make certain that it does not happen again. I have been a loyal customer with other banks, including XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX and XXXX XXXX XXXXXXXX for over 10 years, and I have never had this problem. Now, I want to continue to make transactions in the above-mentioned credit card accounts with your esteemed bank, Citibank. Therefore, I would like to request that you activate and reinstate the accounts above as " reopened '' and not new accounts with no hard inquiry but a soft inquiry to their previous state with immediate effect. I wanted to restore my cards to their previous states, as follows : Restore my credit score by removing my default on my credit report. Reopen my Costco Anywhere visa Credit card ending in XXXX ( account since XX/XX/XXXX ) with a Credit limit of {$12000.00} with the current balance of - {$100.00} Restore my previous rewards cash back from XXXX to {$220.00} that is supposed to be mailed to me later this year on XX/XX/XXXX statement. Citi Custom Cash card ending in XXXX ( account since XX/XX/XXXX ) with a Credit limit of {$6400.00} with the current balance of - {$96.00} Restore my previous Thank you rewards of XXXX Thank you points. Cit Premier card ending in XXXX ( account since XX/XX/XXXX )- with a credit limit of {$7000.00} Restore my intro bonus of XXXX Thank You points after {$4000.00} spending when I opened the account on XX/XX/XXXX, and extend it till the end of XX/XX/XXXX because I could have reached my intro offer by XX/XX/XXXX if my account wasnt closed. Restore my previous Thank you rewards of XXXX Thank You points. I humbly request that you reactivate my account as soon as possible. Thank you in advance. Yours Sincerely, XXXX XXXX XXXX,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94124
Submitted Via: Web
Date Sent: 2023-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-11
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I feel the CFPB needs to look into the new tactic being used by credit card companies to directly impact consumer credit reports. Companies are arbitrarily reducing credit limits to just about the current balance, resulting in a dramatic jump in credit usage %. Then on the letters that are sent out as explanation of the adviser action, they can not specifically answer which factors/items from the credit report relate to the reasons. This acts adversely on a consumers credit score, when they usage goes from 32 % to 82 % overnight, without any fault/action of their own. When I recent ; y inquired to CITI Bank as to why for the 2nd time in a year they reduced my credit limit, I was advised to see the notice in my document center. Which I located and then asked for the specific factors that related to the 4 reasons listed. I continued to receive answers of if there was an issue with my credit report, I needed to contact them for why. So I read the document that said the decision was made by CITI and not the credit bureau and to contact CITI with questions. Even after 3 customer service reps and an hour of my time I got no serious/real answer other than that they could. Which by the terms they can, change it at any time. However I feel they are abusing the ability to do so, to manipulate consumer credit scores and charge the highest rate allow, due to the resulting score decrease. This behavior on their part is generating massive revenues for the credit card companies and costing already strapped consumers massive amounts of money. Reasons were : Length of credit history ( I have had credit card with Citi/Home Depot alone for 3 years ) Payment pattern on account, I have never been late, payment made early or on time for 3 years. Number of recent credit inquires. When I went on XXXX it showed 9 inquires over 2 years. CIT is not the only company using such tactics, XXXX engages in the same actions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 234XX
Submitted Via: Web
Date Sent: 2023-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-11
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 We purchased 2 separate upgrades to international flights on XXXX XXXX. Issue at the airline and documentation provided showed the flight was no actually upgraded as the issues with the services at the time prevent the seats from working and not being upgraded. We attempted to resolve with XXXX while in XXXX and then again upon our return. The only thing we received was a {$25.00} voucher as an apology. We spent {$1900.00} times 2 for these upgrades and that is not acceptable. We disputed the 2 charges and provided numerous amounts of documents and signatures within he 60 days of the initial charge. They closed out the dispute because CItiBank is too big to research and resolve anything. Break up Citibank!!!! I want my dispute resolved ASAP.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60073
Submitted Via: Web
Date Sent: 2023-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-11
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I had a checking account with citi bank. They closed my account with XXXX still in it. I waited patiently for my check in the mail and never received it or info on why my account was closed. Called them several times and they told me I wouldnt be getting a check my accounts closed they are no longer servicing my account so basically stole my XXXX dollars from me. I can prove where the money came from and my bank account that transferred it over into the citi account. I will have attached a pictures of my deposit from my work for XXXX proving my income. And the direct debit from my XXXX account for XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 36526
Submitted Via: Web
Date Sent: 2023-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-11
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: My name is XXXX XXXX and I am a former citi XXXX. My XXXX XXXX is XXXX Ive worked at the XXXX for a little less than 3 years and during my last week of employment on XX/XX/XXXX, exactly {$8500.00} was stolen from my account. $ XXXX in the form of a wire transfer {$25.00} for the fee And 3 ACH transactions totaling {$1400.00}. I was working in the XXXX the day that it happened and the only reason I even found out was because it was pay day and I usually tend to move money around and pay bills. I immediately ran to my manager and called the employee service line in order to have them block all my accounts and block all further transactions as well as try to recover the funds. The representative was able to block the accounts to prevent any further debit transactions and we filed a dispute or so I thought. I filled out an affidavit to attest that I had nothing to do with the stolen funds and that I gain nothing from the stolen funds. All the necessary documents were uploaded and I was instructed to call another number in order to talk to a different department who was in charge of wire fraud and they would process a different dispute on their end. Citi banks customer service, weather it be for a customer or an employee is absolutely horrendous and they will have you waiting on hold for close to 30 min in order to get outsourced to the XXXX for a level 1 agent. I have nothing against the call centers or representatives in the XXXX but it is very common for calls to drop and there is often miscommunication between the 2 parties. After finally getting ahold of someone who was able to put my fraud case in, the only thing left to do was wait. The representative told me the investigation would take up to 60 days in order to get any of the funds back. I was also told that I would have to wait on a phone call from the investigator handling my case in order to move forward. At this point Im basically at the mercy of the investigator and nothing happens for weeks. I call every week in order to get updates only to get the run around and for each representative to tell me to keep waiting and that as long as I had the affidavit signed and uploaded, everything should be okay. Eventually the investigator calls many weeks later and pretty much interrogates me to see if I was somehow involved As a former XXXX I saw people coming in because they were scammed every single day and it was basically programmed into me not to click on any links or pick up any random phone calls. I kept telling the investigator that I had nothing to do with it and that I just want my funds returned to me but she kept insisting on whether or not I clicked a link or answered a text or call, ( which I did not do ). And the reason they keep insisting is because Citi believes that the second you say yes to any of those questions, you are liable for the losses. After the call was over I got no updates whatsoever and would continue to call citi begging for some sort of answer or resolution but the representatives would tell me that I needed to wait the 60 days to get an answer and I did. On the 60 th day I called and to no ones surprise, I needed to keep waiting because they still didnt have an answer. On the 64 th day I was finally able to get my answer and Citi denied my claim for failure to safeguard my account and because they thought I was a victim of a scam. After 64 days of losing all the money I had to my name, the XXXX that I started my career with and XXXX nearly 3 years for, the XXXX that my parents started with and have had for 35 years since they immigrated to America, the XXXX that I was once so proud to call my own denied me and told me there was nothing they could do. And just to clarify in case you were wondering, I wasnt fired or let go either, I had resigned in order to move forward with a greater opportunity with more potential and after this experience it has been the best decision of my life. After sending an email I received a phone call from the executive fraud department of citi telling me to rest assured and that they would re open the investigation and that they would be in contact with me to further review my case. When in fact the only thing they did after wards was assign it to another investigator who asked me the same set of questions as the previous investigator attempting to get me to falsely agree that this was a scam and I was the one to be blamed. A couple of weeks later I called in again for an update and found out that I was rejected again for the same reason as before and that I was to blame.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11572
Submitted Via: Web
Date Sent: 2023-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-11
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Made a purchase on {$980.00} on XXXX XX/XX/2023. The statement was closed on XXXX XX/XX/2023 and I would expect to be given at least 21 days to make this payment. But, I see that the statement that came on XXXX XXXX came with a {$20.00} interest that was charged on the {$980.00} purchase, which is totally unjustified. The bank acknowledged this as incorrect interest but I wanted to bring to your attention that such incorrect interest were charged and may be going unnoticed with so many customer. My account has an active 0 % Balance transfer balance on the account as well.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19382
Submitted Via: Web
Date Sent: 2023-09-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-11
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 purchased a table from XXXX XXXX XXXX and they dropped the table upon delivery in the doorway. A replacement table would have taken 4 months to get and I wasnt able to wait that long due to family coming over for the holidays. They refused to give me a refund so I disputed the charge and Citibank took 3 months to investigate and finally said I am liable for the charge
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60004
Submitted Via: Web
Date Sent: 2023-09-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A