Date Received: 2023-08-30
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have a Best Buy credit card which I setup with auto-pay when I opened the card several years ago. However, I hadn't used the card for some time prior to making a purchase about two months ago. Unbeknownst to me and without any prior written warning - Citi turned OFF my auto-pay and today tried to slap me with a {$30.00} late fee. They reversed the charge when I called them directly but more concerning is that the Citi rep : a. ) Couldn't tell me what exactly the 'idle ' time was on the card before Citi decided to turn off auto-pay. b. ) Couldn't tell me why no communication was provided for this 'feature ' of the card. This seems extremely predatory- and the likelihood that many consumers just pay the late fee is probably quite high - making the whole process seem like a violation of UDAAP Section 3. I also wonder if there is some loophole for 'Loyalty " cards that allows them to do this - because I have several other cards, both from Citi XXXX XXXX XXXX XXXX XXXX XXXX that have never had the auto-pay simply get turned off without warning because I haven't been using them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60605
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-30
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: In XXXX of XXXX I opened a savings account with Citibank over the phone, they representative inputted an incorrect address causing them to be unable to verify my address. Id already deposited {$5500.00} when they decided to close my account. Despite me sending multiple documents to prove my correct address, they kept send the balance of my accounts to the wrong address. Eventually they were able to send it to the right address, but they did not send the entire balance. I am still owed {$500.00}, after months of calling and being told to call back, I still have not received the rest of my money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 482XX
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-31
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: Citi closed my dispute twice and both for reasons for which I already provided the required documents. Citi claimed I failed to provide documents supporting my disputed transaction when in fact I sent all documents twice. Citi then claimed I failed to communicate with merchant to resolve the issue when in fact I did try to resolve the issue with merchant prior to the dispute ; I also sent citi screenshot of emails between me and the merchant showing that merchant refused to communicate with me over emails and wanted me to call. The merchant did not want to respond by writing even after I asked to have any communication in writing. The disputed transaction is in the amount of {$910.00} with XXXX ( the merchant ). The merchant used deceptive and misleading advertisements on their website when advertising a hotel room I booked and paid for through their website which violates consumer rights to receive truthful information about a product or service.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97070
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-31
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I am writing this letter to express my deep dissatisfaction with a recent issue involving my Macy 's American Express Card account. I discovered that I was charged {$970.00} in interest, despite having paid off the outstanding amount, The situation arose due to a payment scheduling problem, which led to this signific financial disaster caused by interest charges. I believe it is essential to highlight that I had scheduled the payment to be made through my bank account well in advance, in an effort to be proactive and timely. Money was sitting in the account waiting to be dispersed on the appropriate date. Somehow something went wrong. I am not quite sure what happened. Given these circumstances, I am disheartened that an error in the payment date has resulted in such a substantial interest charge. As a loyal customer of Macy 's American Express Card, I believe that this situation is unjust and unwarranted. I have always been diligent in making my payments on time. I spoke with XXXX XXXX XXXX ) regarding this matter. However, I was disappointed to learn that she was unwilling to connect me with her supervisor or manager to further discuss the situation and explore potential solutions. It is my belief that open communication and escalation are vital in situations where customers are facing financial burdens due to errors unknown to them. I kindly request the following actions to be taken : Adjustment of Interest Charges : I urge you to review my account and acknowledge that my payment was posted on an incorrect date in error, with the intention of it being made on the correct date. I kindly request that the {$970.00} in interest charges be reversed. I should not be held financially responsible for an error caused by a date discrepancy. I believe that Macy 's American Express Card values its customers and their loyalty. I trust that your organization will understand the significance of this issue and will take appropriate steps to rectify the situation in a fair and equitable manner. Thank you for your immediate attention to this matter, and I look forward to a swift resolution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48044
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-31
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: XXXX XX/XX/XXXX XXXX XX/XX/XXXX Reporting XXXX location of Fraud : XXXX XXXX XXXX XXXX NJ The person responsible for fraud of misuse of customers credit card information is the only manager that was working during the times of XXXX- XX/XX/XXXX. I have proof of evidence of being overcharged twice on my rental and an unknown transaction of XXXX dollars for a service I never used and it was the same time I rented from XXXX. The only people that had access to my credit card and information was the manager of this XXXX location. My bank didn't bother to help me since XXXX didn't want to give out the information and according to my bank they was deleting my past transactions out the system. And then when I had to send out physical evidence to my bank thru the mail, my evidence got lost so now I'm back again to seeking justice. Due to them overcharging me and the money they took from me never bounced back into my account, my account is negative XXXX XXXX and citibank had no choice but to close my account and basically told me to take legal action to clear up my rental debt now. I paid for all my rental costs plus the XXXX tolls so there should be no reason why they messed up my transactions. I told XXXX multiple times and their response is that they can't read my transactions thru their system and I can only see my transactions at the place of the rental. I was paying XXXX a week on the rental with a XXXX dollar deposit and a additional XXXX a week to cover tolls, I don't know why they decided to charge me a extra XXXX dollars in my bank account. All the money I was paying weekly was still being taken out my wallet even tho it declared it as pending, if that was the case my money would of bounced back to the original account but now my money is missing, they charged me XXXX to where my account went negative and had no choice but to close my account. I would like the XXXX charges to be disputed and a investigation on the person responsible for scamming my account that is working behind XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07105
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-31
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: This complaint is related to the the complaint # XXXX. I opened the complaint # XXXX, and the CFPB closed it based on an untruthful response from the bank. The bank claimed that they didn't recognize me as their customer, thus my complaint was unjustifiably closed. I am their customer and still have the account with them as of now. My phone contact is the same for my bank profile and with CFPB. I already confirmed with them the email address I submitted with CFPB is my legitimate email address. I'm attaching the screenshot of my online bank account profile to show I'm their customer and that my contact information agrees with what I provided to CFPB. Furthermore, their response to CFPB is not consistent with their response to me. In their letter to me on XX/XX/30, they didn't state that they didn't recognize me as their customer, but they merely didn't take responsibility for their negligence that resulted in the imposter cashed the fake check in my name, claiming their teller already checked the ID. But when I personally checked with the teller who helped with the transaction, she said she remembered that imposter and of course it wasn't me. That individual also didn't have the bank card. One of their tellers also confirmed that they weren't required to scan all the IDs. My time and effort spent on this matter cost me a lot more than {$800.00}, but I want to get back what is rightfully mine. It's not just monetary now, but it's also principle. Besides, the bank has become unreasonable and unethical in their actions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95122
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-31
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: My phone was stolen, and the individual who took it used my Citibank account to send XXXX transactions to an unknown recipient. Despite my repeated attempts to dispute these transactions over the course of a year, I have not received a resolution. A customer service representative from Citibank has informed me that unless I provide information about the perpetrator, Citibank was going to deny my claim. I still haven't received reimbursement for the stolen funds. Additionally, the theft of my phone has resulted in me becoming a victim of identity theft.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89031
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-30
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I was charged fraudulent by XXXX XXXX. I dispute this charge.But Citi Bank was unfair dealt with.XXXX XXXX XXXX XXXX doesnt repair my car at all, But XXXX XXXX company forced me to take out my credit card to pay in XXXX.I disputed $ XXXX XXXX company threatened me.Citi Credit Card company was unfair in handling my dispute.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92040
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-30
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: I opened a new credit card with Citibank in late XX/XX/XXXX with the sole intent of utilizing their promo rate of 0 % for 21 months on balance transfers. This money was going to be used to payoff my home equity loan. I initiated the balance transfer on XX/XX/XXXX and it was done online. All that was requested was amount, name of creditor, account # and address of creditor. No routing # was requested. I got an email the following day on XX/XX/XXXX the transfer was complete. I watched my bank account for it to show up the following days and weeks that followed. After a week or so I reached out to Citibank and asked that they lookup the transfer because I didn't have it. They said it can take up to 10 business days. After that I continued to reach out to them multiple times to no avail. Finally I reached out to their executive team in hopes of getting a resolution to this matter because now I have a due date for minimum payment they are wanting. They assigned my case to an analyst and after some discussion with them they were going to research the transfer and came back with the trace ID. My bank can not find anything related to that trace ID or my balance transfer and Citibank is saying their is nothing they can do, the transfer went through and they can not rescind it back. My thoughts are they sent it to the wrong bank ( there are probably hundreds of American National Banks in the US ). I will not and should not be help responsible for something I never received and that went elsewhere. My bank has spent countless hours researching this issue and can not locate anything related to it. Please intervene and help as this is a huge XXXX XXXX company so big they are just trying to run over the little guy and act like their is nothing they can do. Seems to me they could figure out where they sent the money and reach out to that same bank and see what happened.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 240XX
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-30
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 canceled an annual subscription to the XXXX XXXX app before its renewal date but was still charged by the company on my credit card. When I disputed this transaction, my credit card company denied my dispute.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85712
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A