Date Received: 2023-09-01
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Regarding a XXXX credit card and it is through CitiBank. I use my XXXX cc monthly especially for gas. Recently I used a interested free check to pay for a plumbing bill I had recently. When I make a payment which is the exact amount of my monthly current charges plus additional to go towards my outstanding balance they in turn decide how they want to credit my bill. I have called 3 times to complain with no success. They tell me this is how they do it. This month when I received my statement this is totally wrong. Last month my current cc charge was {$230.00} and outstanding balance {$2300.00} and I paid them {$600.00}. They credited my regular cc charges {$400.00} which will give me a credit towards this months charges of {$200.00} so I only owe {$38.00}, BUT then they only credited {$190.00} to my outstanding balance. What is actually happening they are giving my monthly credit card charges more of my payment for future charges and not crediting to my outstanding transfer balance which I want paid off before the due date. They have already charged me {$120.00} for the use of this interest free funds, but it is not right that they can decide how my monthly payment is credited to my balances. I would like to know if this is legal. If I was not a detailed consumer and didn't realize this was happening it will be harder to pay off my outstanding transfer balance before interest would kick in. This is not fair or right. Please let me know your thoughts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 436XX
Submitted Via: Web
Date Sent: 2023-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-01
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: To : CITIBANK , N.A . I write to advise you that I plan to file a lawsuit against you in the United States District Court Middle District of Florida XXXX XXXX due to your multiple and ongoing willful violations of the FCRA and FDCPA. I need you to provide me with a list of options and preferred options to have the Summons and Complaint served upon you. Please advise me of your registered agent name, address and phone number for service of process in Florida AND all branches, offices, agents, attorneys or representatives in XXXX XXXX, Florida and in any other counties in Florida who can and are authorized to accept service of process. Moreover, after filing a lawsuit, I plan to send you a Notice of a lawsuit and request to waive service of a summons to reduce costs of service and provide you with additional time to respond. This may provide you with additional time to respond, instead of 20 days. For your convenience, please provide me with your preferred address to send such Notice with the Complaint, such as your Legal Department. Local Rules of the USDC Middle District of Florida require your counsel to confer with me before filing even routine motions to ascertain whether I oppose or unoppose a motion. If your counsel files a Notice of Appearance before a Clerks Default is applied for and needs an enlargement of time to file responsive pleadings, you may file a copy of this document representing to the Court that I do not oppose up to a 30 day enlargement of time to file responsive pleading to comply with the Rules obligation to confer. However, If you do not provide me with the information requested above and you are properly served with a Summons and Complaint, I will promptly at the earliest date possible file an application for a Clerks Default and a Motion for a Default Judgment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32836
Submitted Via: Web
Date Sent: 2023-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-01
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: XXXX lowered my credit score by XXXX points within a DAY after Citi reported I owed an excessive amount on my credit card. Citi admitted to XXXX that the information was entered in error. After doing so XXXX only raised my score back up by XXXX points and stated that I would have to wait an additional 30-60 days to have it corrected. This error should have been corrected immediately with XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92585
Submitted Via: Web
Date Sent: 2023-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-01
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: I was in the past and continuesly charged from different companies different amounts which cause me to overdraft several times I have called in and reported them as fraudulent on a couple of occasions I was just ignored XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37130
Submitted Via: Web
Date Sent: 2023-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-01
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: On XX/XX/23, I attempted to make an online purchase for {$100.00} and the seller stated on their website my purchase was declined by the card issuer. Consequently, I called into customer service and talked to the fraud department. They stated I had to wait for some phone number to call after I receive either a phone call or letter XXXX business days later. This XXXX business day wait is unacceptable to me because this is like the XXXX or XXXX time I've spoken to the fraud department due to prior fraud alerts on the card and I've held this card for less than a month. In each of these prior instances, I've already proven I'm the person making the charges and confirmed all the charges. But this card issuer likes to keep playing these types of games and that's the reason I'm compelled to file this complaint today.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-01
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: XX/XX/23 Citibank decided to lock my account spontaneously out of nowhere after an attempt to add {$1000.00} to my XXXX XXXX. I tried to log into the app and it prompted me to call a number. Upon calling I was told that my account was being closed and that a check would be mailed after 30-60 days. I asked why and they said they couldnt provide any reason to me. Also they stated they couldnt expedite my remaining account balance payment either. However, I find it rather strange that theyre deciding to close it and not provide me reason. Especially due to the fact that I havent conducted anything fraudulent what so ever. Ive received numerous zelle transfers within the past prior month yes but all legitimate for work-related purposes. Now this morning when I try to submit an XXXX payment to my boss, Im unable to because Citi locked my card and said theyre closing my account. I need my money back now because thats just plain injustice. This is money that is meant to be used for inventory etc as I explained to them, but also that I have urgent upcoming medical procedures which will cost additional as well. This spontaneous closure is very detrimental to me and I dont think they realize it. My boss doesnt have 30-60 days to wait for over {$1000.00} and frankly neither do I. I need this resolved immediately and my account either reopened with my money in it, or a check mailed with my balance pronto if they wont allow me to pick up my funds in person. Please get to the bottom of this. I am extremely desperate and livid.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33068
Submitted Via: Web
Date Sent: 2023-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-01
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Applied for Wayfair card with a credit score of XXXX of XXXX. Made a purchase that could have gotten {$40.00} by using a new card. Waited for the response for approval and it never came. After multiples attempts to find out if the card has been approved, found out on my own that they did not. Gave me some general excuse about " income '' that did not make sense. Wrote them back by email, and was ignored, sent a letter and was again ignored. In the letter I document, other three instances o card being denied and with a checking account in Citi Bank with balances over XXXX at times, XXXX when less to avoid paying bank fees. This when they paid .01 % interest. Citi Bank at the same time denies credit card when I apply for them, offers me a {$30000.00} loan. If I am not a good candidate for a " credit card '' how am I a " good candidate for a XXXX loan? Something is happening and they keep denying credit to me when is a credit card involve even when the card carries a fee. Letter explaining in detail all these attached.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91402
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-02
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: on XX/XX/XXXX bank closed account ending in XXXX and nobody knew account ending in XXXX saying that I had a balance of XXXX. On the same day the merchant refunded XXXX by the bank did not credited to the new account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95621
Submitted Via: Web
Date Sent: 2023-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-02
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I received and offer to spend {$1000.00} and get XXXX power points, that's is {$100.00} reward. Called and was given different reasons why has not been posted one reason was, American Express needed to credit the account. Called last time and was told I got XXXX miles but needed to be used within the year and lost it. I have made a purchase of a XXXX computer for {$1200.00}, that would entitle me to get the {$100.00}. Other cards I also have offered comparable reward including, America Express XXXX XXXX and XXXX XXXX XXXX XXXX. I wrote a letter on XX/XX/ and was ignored. Wrote my last letter to Bloomingdales on XX/XX/XXXX and the same thing ; silence and ignored again. My last letter I wrote in answer to " another offer '' of {$75.00} for spending {$2000.00}. This is a marketing gimmick and prompted me to write back and ask again for what it was promised to me and not delivered.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91402
Submitted Via: Web
Date Sent: 2023-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-31
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: XXXX XXXX opened a credit card account without my knowledge, by end of 2022 I received a statement from this institution. The statement indicated purchases and collection of respective payment. I contact them and filled a fraud claim since I do not have such card nor request it. The institution hasn't follow up instead they keep trying to collect the debt. On every Month statement that I keep receiving no additional purchases are included but interests keep getting accumulated. I just file another fraud claim and they mentioned it'll take them up to 10 business days to provide a resolution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 972XX
Submitted Via: Web
Date Sent: 2023-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A