Date Received: 2023-08-29
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Store had signs and employee offered a promotional {$100.00} off my purchase which was over {$1000.00} for signing up for a Home Depot credit card. I did not receive the {$100.00} off and was told to go talk to customer service. Customer service told me it was because it was the weekend and I'd receive a coupon Monday. I said ok fine since I'll make another {$1000.00} purchase soon. I've yet to receive the promised coupon. Employees and the promotional signs indicate that you'll immediately receive the discount upon signing up with your first purchase, which is not the case.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 15217
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-29
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: First I want to thank you for retrieving {$110000.00}. of my money. But the full amount was {$120000.00}. The did apply {$5.00} interest from XX/XX/2023 until XX/XX/2023. Id like to know where the other {$10000.00}. is.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85044
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-27
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Cards opened in my name fraudulently. Not my cards request they be closed and removed from my credit report. Use of my credit card that was unauthorized and maxed out my card. Online purchases from my checking account not made by me. My identity has been stolen and fraudulent activity is happening using my social security number and name and date of birth.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11426
Submitted Via: Web
Date Sent: 2023-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-27
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I was researching new cards for a potential balance transfer. My research showed the Citi Simplicity card might be a good fit. I could not get any information about credit limit thresholds so ended up unintentionally applying for the card while trying to get this information. I was approved for the card with a balance limit of {$3000.00} - much lower than what I was looking for. I did not realize I was applying for a card. Now I have a credit card that does not meet my needs and I risk impacting my credit score if I close it. I asked Citi to increase my credit limit and they declined telling me I need to have the card in good standing for 6 months before they can do this. I asked them if they could consider my existing Citi card and match the balance and they told me the fact I have another card, despite having a XXXX balance, this is why they can not approve my credit increase request. Consumers need to have information about credit limit thresholds made available before applying for cards. I would not have applied if I could have obtained the credit limit information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20878
Submitted Via: Web
Date Sent: 2023-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-27
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: account was paid in full and citi continued to close my account and reported negatively to my credit. They refused to update status as paid in full.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76108
Submitted Via: Web
Date Sent: 2023-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-26
Issue: Fraud or scam
Subissue:
Consumer Complaint: Hi my name is XXXX XXXX XXXX I have two card. XXXX ) Best Buy Citi XXXX XXXX XXXX XXXX XXXX ) Citi / XXXX XXXX XXXXXXXX XXXX XXXX XXXX I need to know why this inquiry still open or if it possible to closed Thank you My Best Regard XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33130
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-29
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Im just giving you one more chance to do your job! Im told you regulate Citibank! But you dont, when I have called several times and have been told by my banking commissioner XXXX XXXX banking commissioner the fdic the occ my attorney general that you regulate Citibank and you send me an answer from citi telling me they can close an account for any reason at anytime! Thats all well and good but they dont give you your money back! How is that you doing your job! Then I call and Im told you dont regulate them on a personal level! But every other agency says you do! They have my money and said they will never release it to me without a harmless bank to bank transfer that they no I cant initiate nor will peoples bank initiate it, because Citibank cried fraud then cashed the check! They have thousands of complaints on forums of Citibank closing accounts and many have been waiting for XXXX months and cant get you to do your job! So good job suing them back In 2015 but now they are getting it back by holding tons of consumers money, probably doing short term investments and recouping it back at our expense. So now that everything is exhausted and Ive invested a month into this. I will go to the news and social media not only against Citibank but you as well!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06111
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-27
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I was contacted by Citibank fraud department related to to some charges, complied and verified ALL charges did not not belong to me and I had no knowledge of activity.
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: 2023-08-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-27
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: On XXXX XXXX we purchased a tv from Costco for {$790.00} in XXXX, California. We were told Costco had the best warranty so we used our Citi card to make this purchase. On XX/XX/2023, I lost my balance standing next to my tv and accidentally hit it with my elbow causing lines to appear on it, the tv no longer works at all. That same day, I reached out to Costco via their live chat on their website and told the employee what happened and asked if it would be covered, she said yes. I asked even if it was something we did by accident, she said correct. We followed all of the troubleshooting steps provided, but the tv still wasnt working properly. On XXXX XXXX we were notified that it would not be covered and would cost approximately XXXX XXXX dollars to repair. We reached back out to Costco and got transferred around via phone for over an hour. Nobody wanted to help rectify this or take ownership. We got a supervisor by the name of XXXX who listened to us and said she apologized we were given wrong info and would look into a compensation. This was on Thursday, XX/XX/XXXX. We gave her a few days and still didnt hear anything. On Monday, XX/XX/XXXX, we reached out via live chat again to get XXXX which took so much work. We asked for a supervisor right from the beginning and they kept saying it wouldnt be covered. We were already extremely frustrated at that point. XXXX sent an email the next day and stated there was nothing that could be done and she basically said that we misinterpreted what the first live chat representative said which is incorrect. I went to social media finally and got an email to reach out to. I sent in everything including screenshots. We were still told nothing could be done and they would make sure to talk to the employee about providing us with wrong information. At the end of the day, we need a new tv and want this to be rectified. If we are told something will be covered, then it should be covered. Costos customer service is absolutely awful and I hope nobody has to ever deal with this type of situation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92503
Submitted Via: Web
Date Sent: 2023-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-29
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I was not able to verify certain information with the various companies and so no one was able to help me with the issues relating to my inquiries. They somehow have my file and information in their system but when I contacted them representing myself, stating I did not authorize them using my information, they were unable to help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 851XX
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A