Date Received: 2023-08-18
Issue: Other features, terms, or problems
Subissue: Credit card company forcing arbitration
Consumer Complaint: I booked an apartment using XXXX. Some amenities were advertised, and they were offered. Upon my arrival, the amenity was not provided, and I discussed it with the Apartment Manager ; after a lengthy discussion, I returned to XXXX. The first XXXX mentioned they would talk to the listing party and they would refund. I provided all documentation related to my calls and chat with XXXX. Upon multiple follow-ups with the Citi MasterCard team , I was asked to pay for a service I didn't even avail of. Citi MasterCard never reached out to XXXX They just sent me the merchant 's paperwork, where the merchant had changed their listing minus the amenity offered. This is not the only incident. On XX/XX/XXXX, I filed another dispute for a canceled hotel booking within the cancellation period. In this case, too, I felt that the Citi MasterCard team didn't follow the protocol, and they resolved in favor of the merchant, lucky I was able to talk to XXXX XXXX, and they were kind enough to refund {$8200.00}. I want a refund from the Citi Master Card team for my XXXX fees of {$3800.00} I have more document but I can not attach as there's limit of 10MB.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95050
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-18
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Today XXXX is the XXXX time Citibank has notified me of what they call a potential fraud on XXXX or more of my Citibank credit cards. They put a hold on my accounts & I'm required to re-register my cards ( I have XXXX accounts ). They can not or will not identify what has caused the fraud notification & my investigation does not show any fraudulent transactions. I can only conclude that their fraud identifying algorithm is too sensitive. These situations take me away from my work & cause me to loose valuable time ( XXXX XXXX XXXXXXXX XXXX ) from work and it causes undue stress for no reason at all. I hope you can help me & others with this situation. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 023XX
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-18
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2023 I deposited a friend 's check into my mobile banking. I spoke with a customer service about the deposit if I was able to cash it for my friend being it's a third party check. But it was a cashier 's check. I was told yes I could and their was no problem " and that the funds will be available in 3 payments the amount was XXXX .with when i went to log on to my online banking app I was not allowed to. So I called the bank a spoke with customer service again this time they they closed my account. I have not received a letter telling my they closed it except that it was fraud which it was not. So I called back again to ask why I have not received anything tell me the reason the account was closed. So I called again to ask them why the had not sent my SSA DIRECT DEPOSIT BACK TO SSA AND THEY SAID AFTER 30DAYs they will send me the remaining balance In my account which they have not done. I still haven't received a letter explaining anything the only thing I've received from them is a dispute letter from back in XX/XX/2023.They won't give me my money and because of them me and my son are homeless and behind on bill like crazy all because they dont want to pay me my money {$1700.00} that was in my.
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: 2023-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Two fraudulent accounts were opened in my name and approved through Citibank. One was for a home depot credit card and the other for a best buy credit card. After talking to Citibank, I found out some concerning information that should have been a red flag for them to deny the application. The bad actor/s had a birth year of XXXX. I was born in XXXX. No one forgets what year they were born. The other concerning thing is that the address they used to apply was somewhere in XXXX, Michigan. I have lived in XXXX XXXX, PA since XXXX and I still reside there to this day. I've never even visited the state of Michigan, let alone moved there. So far, only the home depot account has been reported as a new account opened in my name. I know the best buy account being opened will probably be coming next. I only knew of this b/c on XX/XX/XXXX at XXXX at night I looked at my XXXX account and it notified me that 2 hard inquiries dropped my XXXX XXXX. When I investigated it, it led me to Citibank. I contacted them soon as they opened up on XX/XX/XXXX. Today, a new posting of the account appeared and dropped my score XXXX more points! Yes, Citibank is investigating but they are not moving fast enough. At least they could move at the same speed they carelessly authorized criminals to make purchases through my hard earned XXXX XXXX. So far, I have have contacted Citibank, XXXX, and XXXX. XXXX stated they would alert XXXX and XXXX for me so I didn't have to make an additional call.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 164XX
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-18
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27587
Submitted Via: Web
Date Sent: 2023-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-18
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33125
Submitted Via: Web
Date Sent: 2023-09-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-18
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: On XX/XX/2023 Citibank lowered the credit limit on 2 out of the 3 credit card accounts I carry with them ( to an amount under {$100.00} away from the balance I carry ), and when I called on XX/XX/2023, their customer service department refused to offer me a reason or explanation as to why. I am not a credit risk, have been a long-time account holder with the company, and feel like this is a scammy business practice they're running to push consumers over their newly decreased limits so they can collect over limit fees when interest or automatic payments post. Not to mention, this changed my revolving credit of under 30 % usage to 100 % usage instantly, which is not at all how I manage my credit. I have had no dramatic credit score change nor has my income changed. In the time I have been a Citibank consumer, my cards have been compromised more than once, and I was already skeptical about the security of my accounts with them before this occurred. I have arranged to move my balances from those two cards to another card I carry with a different company, and plan to cancel all cards with Citibank when the balance transfer is complete. I will not risk the health of my credit for a company that wants to participate in such shady practices.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NM
Zip: 87144
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-18
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair reporting act XXXX XXXX account # XXXX Macys Credit Card Account number ending in XXXX has violated my rights 15 USC 1681 Sec 602 states I have the right to privacy 15 USC 1681 Sec 604A Section2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 119XX
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-18
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I opened a Costco Citicard but decided I did not need it. I tried to close the account and thought I did ; however, later found out it was not closed. I tried contacting Citi bank multiple times but could not ever talk to a person or understand the phone prompt. Thinking the account was closed I did not realize there was a balance. Because of this, Citi was charging me late fees and interest. They sent threatening letters that made me realize it was not closed and the card had a balance. I feel like Citi discriminated against me and took advantage of me because of my age and not being able to access information on the phone or website. So now a {$110.00} charge has blown up into a {$190.00} bill.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 36507
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-18
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: Last week, I became aware of an XXXX XXXX XXXX CitiBusiness Platinum Select Master card that was opened in my name. I called to try to check on the balance of the card and possibly cancel it, and since I was not able to provide the " security word '' for the account, they would not allow me access to the card. I had already explained to the individual that I did not open or setup the account so I would not have access to any information about the account. I reported the card as stolen and received a new card in the mail and they will not activate the card or give me any information about the account that was opened in my name. I finally requested that the card be cancelled and they said they could not do that. I requested to speak to a supervisor and was disconnected each time I called.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94550
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A