Date Received: 2023-09-06
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: This was a Sears card, now Shop Your Way. I made {$150.00} payment XX/XX/2023 and it withdrew from my account XX/XX/2023. Dates : XX/XX/2023 made {$150.00} payment by phone. Cleared bank XX/XX/XXXX. XX/XX/XXXX I got a late notice. I called and spoke to XXXX, then XXXX about missing payment. Set up case and made payment to bring account current. Letter from them dated XX/XX/2023 opening the case. I mailed them a copy of the bank statement and transaction as proof. XX/XX/XXXX I spoke to XXXX and he said payment was found and should reflect by XXXX statement. I would also get refunded late fee and interest. XXXX XXXX I got statement and payment was not on it. I called and XXXX said there was no {$150.00} payment, but case had been closed. She said she would request it be re-opened. She could not say why I got wrong information on last call to them. At this point I am frustrated and request your assistance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30815
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-06
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I paid {$1800.00} to my original balance transfer account. I also have {$5300.00} on " Flex Plan '' payments left on my closed account. I had also paid {$200.00} earlier in this billing cycle to satisfy my Flex Pay plan due. Options to pay {$1800.00} were explicitly made to pay new balance and would not be applied to future Flex Payments. Copied from screenshot - that option specifically states : {$1800.00} - Remaining Adjusted New Balance + Flex Plan Monthly Payment This is the remaining amount owed to satisfy your monthly Flex Plan Payment Amount and the non-Flex Plan portion of your last statement balance. It does not include Flex Plan payments due in future months. Citibank Reps advised me that the payment would go to the highest Interest Rate- which is technically the Flex Plans at this point.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 640XX
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-06
Issue: Getting a credit card
Subissue: Problem getting a working replacement card
Consumer Complaint: OPENED ACCOUNT AND INITIATED A BALANCE TRANSFER. BALANCE TRANSFER DID NOT GO THROUGH, AND RECEIVED AN ALERT ON THE CITI BANK APP, THAT THERE WAS A " FRAUD ALERT '' PLACED ON MY ACCOUNT. DUE TO XXXX XXXXXXXX, I AM UNABLE TO COMMUNICATE ADEQUATELY ON THE PHONE. I DIRECTED MY POWER OF ATTORNEY AND PERSONAL HOME HEALTH AIDE TO CONTACT CITI BANK BY PHONE, AS NO OTHER OPTIONS WERE GIVEN TO CONTACT CITI BANK BY TTY. MY AIDE CALLED CITI BANK AND VERIFIED ALL APPROPRIATE INFORMATION WITH THE REPRESENTATIVE. THE REPRESENTATIVE REFUSED TO SPEAK WITH ME AIDE, OR ALLOW ME TO COMMUNICATE THROUGH MY AIDE. THIS IS A DIRECT VIOLATION OF THE AMERICAN 'S WITH XXXX ACT, AND A SEPARATE COMPLAINT WILL BE FILED WITH THAT BRANCH OF GOVERNMENT. THE CITI BANK REPRESENTATIVE ( S ) REQUESTED OUTSIDE CREDIT CARD INFORMATION, WHICH THEN HAD TO BE CANCELLED DUE TO FRUAD, BROUGHT ON BY CITI BANK 'S REPRESENTATIVE ( S ) MISUSE. DESPITE OBTAINING THAT CREDIT CARD INFORMATION, " THE REPRESENTATIVE ( XXXX ) WAS UNABLE TO VERIFY THE ACCOUNT AND WOULD BE SENDING A LETTER BY MAIL IN 7-10 BUSINESS DAYS ). AGAIN, ALL WHILE HAVING NO ABILITY TO USE MY CARD, OR COMPLETE THE BALANCE TRANSFER ( S ). I HAVE BEEN LIED TO SINCE OPENING THIS ACCOUNT, I HAVE BEEN DISCRIMINATED AGAINST BASED ON MY XXXX, AND WILL BE SUBMITTING A COMPLAINT TO THE OFFICE OF CIVIL RIGHTS OF THE UNITED STATES OF AMERICA. MY ACCOUNT REMAINS UNUSABLE. MY CREDIT SCORE HAS BEEN NEGATIVELY IMPACTED BY OPENING THIS ACCOUNT, FOR WHICH I AM UNABLE TO USE.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 501XX
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-06
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: A little over a year ago I signed up for a Citi Visa Costco-branded credit card. Upon signing up I requested automatic payment of the full amount as I do with every credit card I own since I have no problem paying everything immediately from my bank account and running a balance is of no interest to me. Going over my bank statements I realized that the amounts paid to the Costco card were more than our regular expenses and when I called they told me that I had so far paid around {$600.00} in interest charges because they were only taking minimum balance instead of full statement amount. I asked them to please check on our original conversation where I requested regular full automatic payment but they said they couldn't. I asked them to please refund whatever interest charges they could and they said they could only refund XXXX single $ 80 monthly interest charge. This is very frustrating. Please advise if I have any options, I really appreciate it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92614
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-06
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 had originally filed a compliant with CITI ( XXXX XXXXXXXX ) regarding a dispute that was unintentionally withdrawn but was for a service never delivered ( for {$400.00} ). After making the complaint with CFPB, I received a response letter from CITI on XX/XX/XXXX indicating that the dispute was permanently credited to my account. However, the amount of {$400.00} was never credited to my account. Thus, the issue has not been resolved. The other dispute ( also for {$400.00} ) is still pending ( as indicted in the letter ), but I did receive a credit for that dispute. Despite multiple calls and being told the credit would be applied to my account ( before the statement payment deadline of XX/XX/XXXX ), it has not. I just spoke with a XXXX today ( XX/XX/XXXX at around XXXX ), and she told me she was just assigned this case ( even though it was assigned to someone else in the past ) and will not have any further information from me until XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33331
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-06
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: On XX/XX/XXXX I went to XXXX XXXX XXXX to get tire paid XXXX with personal bank card. On XX/XX/XXXX XXXX my brakes acting improper go back to XXXX XXXX XXXX I need a brake booster repair job this is when they suggested the XXXX XXXX XXXX credit card I was approved for XXXX the work was done that totaled XXXX that was paid off. XX/XX/XXXX overheating did the test engine light with XXXX to find I need thermostat called XXXX XXXX XXXX who, '' said I needed a thermostat and the thermostat housing unit, radiator, valve cover gasket set, they did multiple jobs on my vehicle said needed to stop it from overheating the bill came up to XXXX On XX/XX/XXXX my vehicle overheating again Removed and replaced spark plugs removed and replaced spark plug wire set removed and replaced ignition wire coil charge for spark plugs, spark plug wires, ignition coil pack all totaling XXXX a new total of XXXX suv ran for another week before it overheated again and shut completely down.I called XXXX XXXX XXXX who had it towed back to XXXX XXXX XXXX they kept my suv for about 2 weeks.I called XXXX XXXX XXXX and was told to pick my suv up on XX/XX/XXXX. On XX/XX/XXXX When I turn on air entire suv vibrates. XXXX XXXX said did not pass the engine block test it needs a part that XXXX dont sell anymore I'm better off getting it from a junk yard and finding a street mechanic. I found a mobile mechanic who diagnosed the truck to find it was the head gasket.I paid XXXX dollars to mechanic to remove and replace also total of XXXX I paid XXXX to XXXX XXXX XXXX XXXX XXXX also XXXX for fuel injector for sensor oxygen XXXX for Head gasket and bolts kit,XXXX for ignition coil pack to replace the defective parts XXXX XXXX XXXX did spark plugs had to replace. re-paid for work XXXX XXXX XXXX did to my suv I have all the proof of payments receipts and sent everything into XXXX XXXX XXXX/CitiBank via fax with case number given to me from representative after I finally received a case after of fighting for someone to what been going though with XXXX XXXX XXXX /Citibank.I was also told to pay minum so my credit would not be effective and promotion interest rate will not go in effect since there is a dispute of services the promotion date was over they added an extra XXXX to the bill for promotion and then another XXXX promotion expired then it went from the minimum of XXXX to XXXX.I brought my suv brand new never has any major problem until this now they are reporting derogatory marks on my perfect credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85043
Submitted Via: Web
Date Sent: 2023-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-06
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I opened an account with Citibank and deposited {$50000.00} in XXXX, I wished to wire transfer out {$45000.00} to another bank account and my account was frozen. I went to the bank and spent an afternoon to unfreeze my account over the phone, then I asked my bank ( Citibank XXXX XXXX ) to do a wire transfer for me, within an hour of the wire transfer my bank account was frozen again, this time they asked me to wait for a letter from them, and after I saw the verification code in the letter, asked me to contact them again. Two weeks have passed and the letter still hasn't arrived. Also the employees of the branch are not answering my calls this week. i am being unjustly denied access to my money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60616
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-06
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: This issue was in response to a charge dispute opened on XX/XX/23 with XXXX {$140.00}. I was initially charged twice for the transaction. I provided the required evidence to Citi but I was told the information was insufficient to resolve the case in my favor. So the dispute was closed in favor of XXXX on XX/XX/23. However, citi bank did not reach out to me to ask for additional information to support my case before making a decision. I reached out to re-open my dispute and I was told to send an email to XXXX with my case XXXX and with additional paperwork. I did that on XX/XX/23. I did NOT receive a response so I reached out to Citi multiple times to which I get the same response i.e " WAIT 5-7 BUSINESS DAYS AND SOMEONE WILL BE IN TOUCH ''. Today is XX/XX/23 and again I was told to wait 5-7 Business days.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97224
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-06
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Dispute/Fruad # : XXXX XXXX I was told told after " Based on our information and provided results of our research we are pleased to inform you that your request for reimbursement has been honored. The credit has been posted to your account in the amount of {$890.00}. '' Nothing has been posted to my account...
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07103
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-06
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: On XXXX I attempted to use my card to find out it is declined. I call Citi to find out that my account has a fraud flag on it. The only way they are willing to verify my identity is to mail a form to my home that I no longer live at ( moved 2 days ago ). I then requested to have my account closed which they refused to do. At this point I just want my account closed and to never bank with citi again.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 217XX
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A