Date Received: 2024-02-20
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 made a reservation for parking my vehicle near airport for vacation through my desktop computer on XXXX I cancelled the reservation later the same day all in accordance with the merchant 's deadlines to do so and was refunded XXXX XXXX when the purchase was for XXXX usd. Per their website they are only allowed to refund XXXX if one is using their app, furthermore they only gave less than 50 % refund. I disputed the charge with Citi Mastercard. The merchant replied, upon initiating the reply, the merchant revoked all XXXX they rendered meaning I received no refund whatsoever now as opposed to a less then 50 % refund of virtual money. I submitted evidence which proves I acted within the merchant 's own refund policy, as seen in attachments, that they are not entitled to refund me XXXX, furthermore that the XXXX were revoked, then all evidence of the transactions and the XXXX was deleted by XXXX to cover up their malicious acts. This proves the merchant defrauded me. Citi closed the dispute in favour of the merchant claiming I did not follow their return policy even though the emails submitted into evidence are proof beyond a reasonable doubt that they were given the very evidence they purport to be absent to accept such a claim. No merchant who intentionally defrauds someone is going to give " valid credit slip or chargeback approval letter from the merchant to prove they agree you are due credit for this charge ''. It is the duty of Citi to protect consumers against such fraud otherwise it enables all merchants to do this to any consumer they wish to exploit, creating a positive feedback loop which encourages the illegal conduct. Citi 's policy in the end is to accept the merchant 's claim no matter what, threaten to destroy my perfect credit score to get me to pay fraudulent charges, and clearly XXXX is aware of such and games the system to exploit consumers in a manner which allows them to never refund anyone ever if they so choose. The dispute process is therefore a formality for show which offers no recourse for victims at all.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-02-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-20
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 ordered this flooring due to an XXXX insurance claim from XXXX of XXXX. Part of the kithcen floor was removed for mold mitigation around XX/XX/XXXX. XXXX {$49.00} to have Home depot come out and provide estimate. XXXX completed. As stated above, a portion of the flooring was already removed for mold mitigation, the estimator could see all aspects of the floor including original floor thickness. XXXX with flooring desk to order flooring based on estimate 's specs. Purchased flooring on XXXX credit card for supplies and installation. XXXX arrived but stated that my subflooring needed to be leveled. rescheduled install. XXXX leveled XXXX arrived to install new floor but had to come back because they ran out of trim. XXXX informed installer that I was not satisfied with flooring and that I would not be signing the installation completion paperwork. There was gaps around all of my doors and floor molding. There was also a large scratch that was under the furniture. Notified XXXX XXXX XXXX XXXX and Citibank credit services that I was unsatisfied with flooring. Flooring contractor 's manager called me and XXXX me out because I would not sign off that the flooring was complete. XXXX went to the store to try to get resolution from store manager but only offered a {$500.00} store credit. I told owner that they could pick up product because I was not satisfied. Since this was an insurance repair, I needed a certificate of completion to claim my depreciation so I needed the flooring finished or that they could come remove. XXXX a call from flooring rep XXXX letting me know that they XXXX be sending a XXXX out to make the repairs. XXXX repair estimate from XXXX for trim repair and sent to Home Depot store. XXXX numerous emails for status or for Home Depot to remove the flooring. No response until XXXX when they offered to pay XXXX price to make repairs. I declined this offer. I do not feel that I should be responsible for a bad flooring install. XXXX XXXX response from Homedepot. XXXX a letter from Home Depot credit services that my XXXX XXXX XXXX XXXX I reopen the dispute case and attach all of my emails and documentation. XXXX notification that dispute was denied again and was informed that I had to get with store XXXX to resolve. XXXX message for store XXXX named XXXX with XXXX XXXX. XXXX called me back and offer the same {$500.00} credit that I declined because it did not cover the cost to make repairs.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30039
Submitted Via: Web
Date Sent: 2024-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-20
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I recognize that from time to time credit card companies can review your usage etc. BUT WHY are they allowed to check without your knowledge or consent and reduce your credit limit enormously so you go from a 40 % debt to credit ratio to a 90 % or worse? Why are they allowed to single handedly decide and destroy your credit score, especially when you are below your credit limit and making payments ON TIME. This has happened to me with two issuing companies - Citi and XXXX. I am beyond annoyed and want to know how I, as the consumer, can rectify this practice. Again I would understand if I was delinquent or past due. If I was spending very close to my credit threshold but the fact that I wasn't and they reviewed and CUT MY CREDIT in half especially in the current economic environment is enraging.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11706
Submitted Via: Web
Date Sent: 2024-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-20
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: The bank sent 10 page letter discussing changes that will be made to account. It is full of acronyms and XXXX. I asked rep to simplify the letter but they were unaware of what I was talking about. Shouldnt banks communicate in simple terms and be brief? Ten pages is way too much for normal customers to digest!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94619
Submitted Via: Web
Date Sent: 2024-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-20
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Hello, I had a Citi XXXX XXXX XXXX account between XX/XX/XXXX and XX/XX/XXXX. However, I haven't received a 1099 tax form from Citi yet. Despite reaching out to Citi bank a few times, I was informed that I won't be issued a tax form for the year XXXX. Interestingly, my wife holds a similar Citi XXXXXXXX XXXX XXXX account in a comparable situation and received a tax form for the year XXXX. Could you please double-check my account eligibility and, if applicable, issue the corresponding tax form? Thank you for your assistance. Best regards,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22201
Submitted Via: Web
Date Sent: 2024-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-21
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: On XX/XX/XXXX I opened a CitiBusiness Streamlined Business Checking account and money market savings account. The account came with a promo offer that would be satisfied if I deposited {$50000.00} within 30 days ( I did so on XX/XX/XXXX ), maintained that balance for 60 consecutive days ( I did, withdrawing only after XX/XX/XXXX ). I also would like to note that I deposited and held the money in the money market savings account, and the terms explicitly allow for this. The bonus of {$1000.00} was due XX/XX/XXXX, due to the language " The Cash Bonus for which you qualify will be credited to your Citibank business checking account within 90 days from the end of the month in which you complete al Offer requirements. '' However : It was not credited. On XX/XX/XXXX I contacted Citi over live chat, who directed me to phone support, who insisted on a bonus code which was not printed on my offer. I then contacted my business banker at the branch, who did not reply. Today XX/XX/XXXX I tried calling phone support again, was told they can not help me, and was given a number to the branch that did not pick up. At this stage, I no longer have confidence Citi is interested in fulfilling their side of this offer - paying out the {$1000.00} bonus - and need to escalate the matter via a CFPB complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10040
Submitted Via: Web
Date Sent: 2024-02-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-21
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: This is related to my efforts to close my Citibank Visa account. I previously reported that the company will not close my account because they claim they are not able to verify me online. They refused to provide an alternative method to close the account ( e.g. by signed written request sent by post ). Now I find that the company has increased my credit limit " as requested ''. I made no such request. Moreover, since they have locked my account and have refused to close it because of their claimed inability to verify me, it would seem impossible for me to make such a request. I suspect that this is an abusive retaliation from Citibank Visa 's fraud department for being a " difficult customer. '' Increasing my credit lmiit is potentially damaging to my credit score and therefore harms me materially. This appears to me to be a violation of 12 U.S.C. 5531 ( d ) since it takes " unreasonable advantage '' of my " inability of the consumer to protect the interests of the consumer in selecting or using a consumer financial product or service. ''
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-02-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-21
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Third time making this complaint because Citi executive response team refuse to do their job. They like to lie and keep closing my case without actually doing their job. Which is completely fine because I will keep making cases and I will keep calling and I will keep reaching out to whoever till I get my money! Citi bank still has not called XXXX but decided to close my case with no resolution then when I recalled on XX/XX/XXXX the lady re opened my case and told me Citi would call me and do a three-way conference call with XXXX to verify the check the citi refuses to give me,. NEVER got a call but yet again they close the case with no resolution, and still keeping my money.. so I took it upon myself to do Citi bank employees job and I called XXXX and the representative agreed to stay on the line while I call Citi response team phone number ( XXXX ) XXXX! the lady who answered the phone attempted to get a hold of the person that was handling my case but of course she wasnt available.. So like I said yall can keep closing the case all you want but until I get my money, Im going to keep calling and Im going to keep making cases! Do your job and this could of been settled MONTHS AGO! But instead your attempting to keep my money simply because your too lazy to call and verify a check that HAS CLEARED TO CITI BANK SINCE XX/XX/XXXX! Horrible customer service from everyone involved! XXXX is probably the worst employee and worst person to have in a department thats supposed to be for investigations. She wont even call XXXX to verify probably because she does not want to be wrong! shes no help shes useless and shes purposely avoiding calling XXXX to verify the check! Someone who has a brain and is willing to help needs to take over. Im not letting Citi bank get away with stealing XXXX dollars from me that I worked hard for simply because XXXX refuses to do the job she gets paid to do. I understand your company is doing layoffs and you guys are losing money, but that doesnt mean be spiteful to the people that were your customers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77081
Submitted Via: Web
Date Sent: 2024-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-21
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: Macy's/Citibank , N.A . Account number : XXXX Age of account : 8 years and 3 months Attention : Macy 's or whom it may concern, I am writing about the above account and why is it still on my credit report after all these years and paid. I an requesting that Macy 's remove this negative, paid information from my credit report as an act of " goodwill '' because this account has been paid.This is hurting me, my life, my credit history and score. Truthfully, this is unfair because I paid what was asked and owed, but you don't care. So, I'm taking the initiative to write a review on Macy 's to corporate and let your collection practices and your business become exposed and damaged. It would help me immensely if you could make a goodwill adjustment to remove this from my credit report. Thanks and I hope my request is approved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30316
Submitted Via: Web
Date Sent: 2024-02-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-21
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: Macy's/Citibank , N.A . Account number : XXXX Age of account : 8 years and 3 months Attention : Macy 's or whom it may concern, I am writing about the above account and why is it still on my credit report after all these years and paid. I an requesting that Macy 's remove this negative, paid information from my credit report as an act of " goodwill '' because this account has been paid.This is hurting me, my life, my credit history and score. Truthfully, this is unfair because I paid what was asked and owed, but you don't care. So, I'm taking the initiative to write a review on Macy 's to corporate and let your collection practices and your business become exposed and damaged. It would help me immensely if you could make a goodwill adjustment to remove this from my credit report. Thanks and I hope my request is approved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30316
Submitted Via: Web
Date Sent: 2024-02-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A