Date Received: 2023-08-19
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Over 2 days I had 2 hard inquiries on my credit report from Thd/Cbna that were made, that weren't me, and I gave no permission, and am no co signer of any kind! 1 hard inquiry was XXXX, 1 XXXX. The company is located in XXXX Tennessee, I've called repeatedly, but theres no custom service, and no live agent to speak with! I fear this may be identity theft, or possibly a debt collector making illegal hard inquiries on my credit report! The dates of these instances were around XX/XX/XXXX of XXXX separate hard inquiries
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-19
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: The fact I have to write this is XXXX Let me explain to you how the LAW works, you can not keep my money for services or items I bought which were not received or rendered. I ordered XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX {$120.00} You guys forgot my fries, I asked for my money back and you send me a credit instead. I did not ask for nor do I accept a credit, and not because of your XXXX XXXX where you think this acceptable I am going to the CFPB and OCC to report you to my financial institution and I hope to god they put you on the " XXXX '' so people can just get instant wins on disputes. For freaking a XXXX XXXX XXXX I have to go on the XXXX to complain and then report you to multiple financial institutions? Let 's go over this again, what your doing by not refunding me is violation the FTC Act and you are also collecting tax on this which is also illegal. I don't care what your policy is every single time my order gets messed up I will be refunded for missing or incorrect items and if you can not handle that from a single person so much so you have to try to break the law then know I am also not someone who accepts this from your company and I will be forwarding this to the FTC and State AG in your headquarters jurisdiction. Out of all the states to XXXX XXXX and find out in I suggest you don't pick California if you want to operate your business like this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30144
Submitted Via: Web
Date Sent: 2023-08-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-20
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: On XX/XX/2023 I received an ACH deposit from my taxes. Account access was immediately blocked and put into closure account has still not been completely closed 30 days later, not my Checking or Savings account! I want to end all relations with this banking institution and receive my funds in full! I have contacted the XXXX and filed several complaints. This is causing me many financial hardships and unnecessary havoc. The funds are mine, in my name, direct deposited into my account ; from a legitimate institution, I do not understand why I am still being blocked from accessing my funds if they claim my account is already in closure.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90018
Submitted Via: Web
Date Sent: 2023-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-19
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I am an XXXX XXXX XXXX of the military. My citibank city premier credit card showed a {$95.00} fee, when I have charged less than a {$100.00} for the year on this credit card. Which exceeds the 36 % maximum in fee I can be charged under the Military Lending Act. I called to inform them of this oversight and they requested a copy of my orders Which I sent on XX/XX/XXXX. I got a notification that they have verified that I am eligible for the military lending act. I was informed they would be removing the fee as of XX/XX/XXXX. It is now XX/XX/XXXX And the fee has not been removed and I have also been charged a late fee of {$30.00} and then another {$1.00} as of today in interest Illegally under the military learning act. For my Credit Card ending in XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89081
Submitted Via: Web
Date Sent: 2023-08-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-20
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 first opened a dispute on XX/XX/XXXX for my card. The dispute was in the amount of {$3400.00} that was paid on XX/XX/XXXX as a retainer to a caterer ( XXXX ) who was supposed to provide catering for my wedding on XX/XX/XXXX. In the initial dispute, I indicated that I never received the goods/ services despite paying the deposit and signing a contract that the merchant would provide the goods/ services at my wedding on XX/XX/XXXX. I was contacted by the company via mass email to clients on XX/XX/XXXX and informed that they would not be fulfilling any future contracts and would also not be offering refunds. I waited until after our wedding to file the dispute to ensure that the services we paid for were not delivered and to give time for the merchant to respond to an attempt to remediate the charges outside of a dispute. In XXXX, I noticed that the temporary chargeback had been cancelled. When I called the dispute center ( I believe it was around XX/XX/XXXX ), I spoke with someone who let me know that a response was received from the Merchant and that the dispute was not found in my favor. I was also informed that I would be able to see the letter detailing why I was found responsible. I was told I should receive a digital version on the XXXX of XXXX and was also told to not do anything until I received a physical letter in the mail. The person I spoke to let me know that my next steps should be to read the letter I would receive in the mail, sign it, and send my response back to the dispute center. At that time. When I read the digital copy of the letter that was delivered to my online account on XX/XX/XXXX, the merchant 's response indicated that I did, in fact, receive the goods/ services and that the charge was not a fraudulent charge. Based on the information provided, it appears the argument was that it wasn't fraudulent due to a previous charge from the same merchant that was not disputed. I waited for the physical letter I was told I would receive, but it never came. At that time, I decided to submit my response digitally after re-reading the digital copy of the letter and finding the email contact for the dispute center. After submitting this information, I did not hear anything from Citi. I never received confirmation that my response was received or any updates. I called the dispute line on XX/XX/XXXX to ensure the information had been received and inquired about any other things needed from me. The person I spoke to let me know that the dispute case was reopened and under review. I was told that I should have received communication when this happened and was given an apology that I wasn't notified when my response was received. The agent on the phone also told me she was filing an internal complaint that I didn't receive any information and that I would be getting XXXX XXXX miles as an apology. Before we finished our conversation, I was also told that I would be contacted with more information in 5-10 business days. After waiting for communication and not receiving it or the promised apology bonus miles, I called again on XX/XX/XXXX. At that time, I was told the dispute was open and was in the final stages of review. I was also told that I didn't need also told me that the delay happened because the dispute team had to check with XXXX before reopening since the charge was from last XXXX. I was also told that the case had been escalated to a dispute team specializing in high amount charges. The agent also informed me that he was able to look at the calendar of the team in charge of my dispute and that I was scheduled to receive a response on XX/XX/XXXX. On XX/XX/XXXX, I received an email letting me know I had a new dispute letter. When I went to my account, the letter indicated it was delivered on XX/XX/XXXX, the day after I spoke with an agent. The letter I received simply stated that the dispute was closed because they did not receive the response from me by XX/XX/XXXX. I do not understand why during the 90 day dispute process I was not allowed to submit documentation to help prove my case that services were not received. Their investigation did not look further than what the merchant provided despite the high value charge and explanation that did not make logical sense. I was then only given 15 days to respond to the investigation, but was misled on when I would be able to start this escalation process and led to believe I required the physical letter before responding. I was not told during these calls that the case would become permanently closed without a dispute within that time period which lead to my lapse in responding. This process does not feel well managed for a case this simple which would have verifiable proof of services not rendered via a contract for the charges and emails from the vendor that prove there was no intention to supply these services. Furthermore, why did the agents lie to me on the phone about my dispute being reopened if nothing was actually happening.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 74075
Submitted Via: Web
Date Sent: 2023-08-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-20
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: COMPLAIN It was XXXX of XX/XX/XXXX I tried making a withdrawal and was referred to the fraud department so I couldn't make the withdrawal that very cos the told my account was hold so after that day on the XXXX XX/XX/XXXX I received an email stating that my account with Citibank has been closed and the remaining balance of {$35000.00} will be mailed to my address in 30/60 days time so I waited for 32 days still didn't hear a word from Citibank so I called the executive of the Citibank after the conversation with them on the XXXX of XX/XX/XXXX I received an email telling me I should wait for 15 calendar to get the issues resolved I waited for the 15 calendar days and on the completion of the 15 calendar days which was on XXXX XX/XX/XXXX got a email from Citibank executive asking me to wait for 30/60 days to get the issues resolved so I had to send them an email on the XXXX XX/XX/XXXX letting them I'm 51 DAYS gone from the first 30/60 I was told earlier to wait on, now asking them if I had to wait for another 30/60 days again to get before I they can get the issues resolved and mail me a check of my remaining balance of $ XXXX that is my before the closed it and on the XXXX XX/XX/XXXX I received an email from Citibank executive demanding I should wait for another 30/60 days before they could reply to the question I asked them via email on the XXXX ..... So I noticed they are just to buy more time just to keep my money with them cos they aren't giving me any positive response as regards to my questions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92596
Submitted Via: Web
Date Sent: 2023-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-20
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Citibank is currently charging me several late fees that have amounted to {$250.00} dollars plus interest. It has become excessive, perversive and impossible to use the card. I have never been late and I have always paid all of my bills monthly. Citibank has come out in the news explaining how they do not over charge with late fees, but this is what they have been doing in my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33186
Submitted Via: Web
Date Sent: 2023-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-20
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: XXXX XXXX XXXX XXXX CBNA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CBNA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX When I try to call CBNA they tell me the account is old and they can not find information on this account but they are still reporting it to all three major credit departments. I would like these two account remove from my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07065
Submitted Via: Web
Date Sent: 2023-08-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-20
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/2023 I discovered unauthorized transactions on my Citibank checking account. I immediately contacted the XXXX XXXX Police Department ( XXXX ) and filed a police report. XXXX Report # XXXX and then followed up and called Citibank to report the same transactions that were not authorized. Claim ID # XXXX. On XX/XX/2023 Citibank DENIED my claim citing that I was responsible for the charges in question. On XX/XX/2023 Citibank sent me a letter stating that they will be closing my accounts as they no longer wish to do business with me, yet I'm the victim in this matter, not them. The letter states the accounts will be closed out 'within ' XXXX days from the date of the letter, which would be XX/XX/2023. The letter states that I am able to go into a branch to withdraw the money if I do not want to wait for a check from them. I proceeded to go into a branch on XX/XX/2023 located XXXX XXXX XXXX. I spoke with the manager, showed them all my documentation and they called some back office department to which after XXXX mins on hold and on the phone, that department then proceeded to tell the branch they will not release my money as they can not confirm where the funds came from. I've always deposited cash, had direct deposits come in and incoming wires. Never deposited a check. Since that date of XX/XX/2023 I've called Citibank numerous times only to be told that my accounts are still under 'investigation ' and that I can not have my money. At this point I am tired of waiting and dealing with them. I get defrauded {$3300.00} in FRAUDULENT transactions and I'm left with nothing as a result. I want the money that is OWED to me. I'm not asking for it. This matter will only continue to escalate until Citibank sends me the money in which is OWED to me and the money that was lost due to fraud. I was a customer in good standing, I was also protected by Mastercard for transactions that were fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90017
Submitted Via: Web
Date Sent: 2023-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-20
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: On Sunday XX/XX/XXXX at around XXXX I noticed a transaction from XX/XX/XXXX that I did not recognize on my Citi Double Cash card. I attempted to contact Citi via their dispute reporting tool, their chatbot, and multiple attempts to multiple phone numbers to get them to address the issue and possibly lock/replace the card ASAP since its information may have been compromised. However, over the course of more than an hour, I was unable to report the issue to Citi, apparently because their entire system was down for an update so I would just get error messages until it finally tried to connect me with a representative, at which point I would get a pre-recording message saying that their system is updating and try again in 2-4 hours before it hung up. I would understand if this was a local credit union, but this is the third biggest bank in the country and I believe my card number may have been stolen, so I expect that they would allow me to report this type of issue 24/7/365 and it is completely acceptable for them to not have any way for me to report the issue as soon as I discover it. A person should never have to spend multiple hours and make this many attempts to tell a credit card company when their card information appears to have been stolen.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60618
Submitted Via: Web
Date Sent: 2023-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A