Date Received: 2023-08-23
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: I call the Citi Hilton Honors Reserved XXXX, after I was notified from XXXX XXXX XXXX XXXX regarding a unpaid collection debt. The representative I spoke to state my account was close with a XXXX balance. I ran my credit report from 3 XXXX, XXXX, XXXX, and XXXX, all stated they are unable to locate an account with the last digit. I wrote the company on XX/XX/2023 stated a dispute regarding the debt. Reason : this is not my debt. I requested debt validation. I also request the name of the creditor and a copy of the original contract. I receive copy of a billed that showed a balance and payment. I also request a itemize billing statement that reflect the charges and what the purchase were. I did not received a itemize statement. I did have an account with Citi Hilton Honors however the card was settled for less than owed. I do not have the card are the documents to prove. Citi Hilton had a history of missed posting my payment and lost them occasionally, this is the reason I settled for less than owed. I am now been sued by a collection investment company. There is no reporting on my credit report where the account was settled or even own the account by me. I am not willing to pay for a debit that I do not owe. I request them to provide me proof of ownership and to not have this place on my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27616
Submitted Via: Web
Date Sent: 2023-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-23
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 still have {$820.00} on my Citi Bank Card. It should be {$0.00}. I havent used the card at all for any of the purchases. This is the 3rd time I am complaining. Citi Bank executive agreed that they will remove all the charges and its been more than 90 days, my issue is not resolved. Hence I am requesting to remove all the charges and my account should be {$0.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VT
Zip: 052XX
Submitted Via: Web
Date Sent: 2023-08-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-23
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I received a bill from Citibank in the amount of {$120.00} and I paid it in full on XX/XX/XXXX ( it was due on XX/XX/XXXX ) electronically. I received another bill in XXXX with a late fee of {$33.00}. I called Citibank and they informed me that they did not receive a payment and that I needed to provide them with a copy of the check and a copy of my bank statement showing the amount was deducted from my account, and they temporarily reversed the charge pending their investigation. I provided them with both the check and my statement on XX/XX/XXXX. I called again on XX/XX/XXXX when I received a letter in the mail stating that they were reversing the credit and charging me again. I called that day and they said they couldn't read the documentation that I sent them electronically and that I needed to submit it again along with the bank transfer information. At this point I called my bank and they sent me a letter with the information and I subsequently sent the information to Citibank again. I followed up with an email on XXXX and I received a message stating that I would receive information regarding the follow up once they completed the investigation. Again, I received a bill from Citibank in the amount of {$120.00} and when I called they said that they didn't receive the information requested so I needed to resubmit and that the account was still under investigation. When I asked every time to speak to a supervisor or someone who was in charge of my account I was told to just call back in 24 hours. I have made 2 trips to the bank and made 5 phone calls regarding this issue. I have submitted copies of my bank statement, a copy of the check provided by my bank, as well as a letter from my bank stating that the payment was made. They have no made no attempt to help me as the customer, no one has once called me to tell me that the information was difficult to read, nor have they asked me to provide them with a copy of these documents via the mail or fax, they just keep sending letter stating that I still owe the money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06489
Submitted Via: Web
Date Sent: 2023-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-23
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Every time I make a payment on my Citi card they tell me it has been applied to my balance. However, it is actually placed on hold for over 10 days so that they can verify the funds. I was told by Citi that this is an incredibly rare occurrence and that is a result of 1 ) the card being new ( it was opened in XXXX ) 2 ) the payments are large which triggers a fraud alert ( the largest payment has been a little over {$400.00} ) and 3 ) because I make more than one payment within the billing cycle ( this is true, I make a payment each time I get paid, so approximately every two weeks ). This is not incredibly rare but actually happens after every single payment, resulting in me not being able to access my money for 10+ days. Most recently, they put a hold on a {$330.00} payment that I made on XX/XX/XXXX. Funds left my bank account on XX/XX/XXXX. XX/XX/XXXX was a XXXX XX/XX/XXXX was a XXXX Citi received funds the next business day, as they always have. My wife also makes payments throughout the billing cycle, as do many of her friends and colleagues. Her funds are not held for 10 days. The main difference between my wife, her friends, and me, is that I am XXXX and my last name makes that obvious. I have never once, since opening this card ( or at any point in recent memory ) had a payment not go through. My credit score is above XXXX. There is zero reason for them to still believe they will not receive their money. Citi is profiling me based on my name and assuming I dont have funds since I am a XXXX. This is egregious and appalling. There is no excuse for this XXXX XXXX and profiling. Citi is holding my money for 10+ days every single time, and making it so that I cant use my card nor can I access the cash Ive given them to make purchases.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60656
Submitted Via: Web
Date Sent: 2023-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-23
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I made a payment late. When I received my next bill it was paid in full but I had a late charge and interest. I asked them to waive the late fee. They did not and when I received my next bill it had more interest and another late fee. I called and they said they are allowed to continue charging me late fees and interest on late fees even though I paid my balance in full. I disagreed and they said I signed a contract that gave them permission to do that. I asked them to send me a copy. I have not received it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 078XX
Submitted Via: Web
Date Sent: 2023-08-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-23
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Lender asked for explanation on various rent payments, deposits, business income etc. I provided every single detail as asked and I was still denied for an additional rent I pay when that lease expire on XX/XX/2023 and I offered to end that lease before this day and provide verification to have the mortgage approved. Underwriter was biased from the beginning with every single explanation I provided, asked for additional docs. Business income deposits and every single peace of asset is verifiable and notates solvency to cover mortgage payments.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10451
Submitted Via: Web
Date Sent: 2023-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-21
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: To Sir/Madam I am writing to file a formal complaint against Best Buy, specifically the XXXX Store XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX MO. My complaint pertains to what I believe are misleading and deceptive marketing practices surrounding a recent promotion involving the Best Buy credit card and cashback rewards. As a recent transplant to XXXX XXXX from California, my husband and I visited the aforementioned Best Buy store to make substantial purchases, exceeding {$4000.00} in value. During our in-store experience, a store associate informed us that by opening a Best Buy credit card account, we would be entitled to a 10 % cashback reward, called " rewards certificate, '' intended for new users. This reward, we were explicitly told, could be directly applied to reduce the balance on the credit card account. Given that I already hold credit cards with established cash back programs, including my XXXX XXXX, I was specifically interested in the Best Buy credit card for its promised 10 % cashback benefit. I went to great lengths to confirm with the associate that the cashback reward would indeed serve to reduce the credit card balance and not merely be applicable to future purchases. On each occasion, the associate assured me that the reward would indeed offset the credit card balance. In light of these assurances, I proceeded to open a Best Buy credit card account with an approved credit limit of {$4000.00}. Before finalizing my in-store purchases using the newly acquired credit card, I reiterated my understanding of the rewards with the associate. Once more, I was assured that the 10 % reward would effectively lower my outstanding balance by 10 %, resulting in a payment of {$3600.00}. However, upon receiving my Best Buy credit card statement, I discovered on the credit card website that I had been credited only {$360.00} in the form of " rewards certificates '' and an additional XXXX points. This sum fell {$40.00} short of the initially promised reward amount. To compound the issue, my attempts to utilize these rewards to make a credit card payment were met with technical difficulties. Subsequent endeavors to address these concerns with the Best Buy customer service department proved exasperating. My initial phone call was prematurely disconnected ( Attachment No. 1 ), and an online chat with an agent was terminated abruptly upon my mention of escalating the matter to the Consumer Financial Protection Bureau ( Attachment No. 2 ). As a licensed attorney in California and a conscientious consumer, I am deeply troubled by such dubious marketing practices, which appear to be perpetuated by several companies in the industry. It is disheartening to witness that these practices persist despite my diligent efforts to seek clarity and confirmation prior to committing to the credit card account. While I regret that I can not recall the name of the store associate who provided me with the information, I can attest to her indication that she was pursuing her PhD at a XXXX XXXX university. I am prepared to engage with her in person regarding our conversation if it XXXX in the investigation of my claim. In light of the aforementioned circumstances, I am submitting a formal request for Best Buy to rectify this situation by disbursing the rewards as initially promised, in the form of a {$400.00} cashback. This sum should be applied directly to my existing credit card statement balance of {$4000.00}. I explicitly decline any alternative rewards, such as " rewards certificates, '' which are exclusively valid for future purchases. I appreciate your immediate attention to this matter and your commitment to addressing these concerns in a timely manner. For any further communication, please contact me at XXXX or XXXX. Thank you for your assistance and understanding as we endeavor to address and rectify this issue. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-21
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: XX/XX/XXXX i noticed a fraudulent charge on my citicard credit card of {$63.00}. I immediately filed a dispute and closed the account. 5 months later ( XX/XX/XXXX ) i received a bill from citicard with late fees included. I called Citicard back at least 10x to re-report. While it was in dispute i did not pay. I had PERFECT CREDIT and did not think that this could happen DURING A DISPUTE.. I attempted to co sign my daughters student loan ( as i did last year ) and that's how i found out that my credit score had dropped XXXX points. I was absolutely devastated and in panic, so i called and paid Citicard {$150.00} ( the original {$63.00} plus 3 months of late fees ) so it would stop lowering my credit score.I have opened a dispute with XXXX attorney General and also with XXXX. XXXX mentioned that i should also file a complaint with CFPB. I want my money back and my credit score repaired! They should not be allowed to do this! I just want someone to LOOK at my credit and SEE that i have NEVER paid anything late in my 27 years of establishing credit. Please help me!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: RI
Zip: 02816
Submitted Via: Web
Date Sent: 2023-09-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-21
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I had gotten a credit card from Home Depot back in 2019. I have been paying all the monthly charges on time and a lot more than minimum. I paid all notices about pay this amount to avoid interest charges. I never missed a payment and I've paid off about XXXX to XXXX thousands over the last couple years and never saw where it said I had to pay off a very large amount of interest. A month ago when I was making my payment I noticed it says I need to pay XXXX plus to avoid interest. I'm thinking my balance is only XXXX plus dollars. The next month my statement says I now owe them XXXX plus dollars. A XXXX plus interest charge all at once. I called and all I heard was it must be promotional charges and said they could send me some statements, statement that never showed where or how they could justify charging this amount. Help, this is not right!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30117
Submitted Via: Web
Date Sent: 2023-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-21
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: You already have a copy of my correspondence to Citi on this matter. I am XXXX and saw online ad for electric scooter. On sale apparently by XXXX.I purchased item with Citi card. Ad said item to be delivered by late XXXX from California. Item never delivered so inquiry made with party who took and confirmed order ( in XXXX, to my surprise ). Response was that it had been delivered! FALSE! Told at various times in email exchanges to check post office, neighbors, customs office, mail box. Obviously these responses were ridiculous. Item this size would not be sent though USPS, nor need for customs involvement from California, fit in mailbox etc. Contacted XXXX and got immediate response : SCAM. I filed a dispute with Citi, got the provisional credit, but then Citi responds later that my dispute was DENIED. No information on lies given by scammer in XXXX. I sent a written response to Citi - a copy of which I sent to your agency- but I have not heard anything back from Citi. They are obviously ignoring my more complete complaint, even with evidence sent them.. When I learned it was a scam, I even had CIti cancel my card number and issue a new number card. ( Would I do that if there wasn't FRAUD involved? ). The amount of money was about {$44.00}. Not a lot but I am on fixed income.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 140XX
Submitted Via: Web
Date Sent: 2023-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A