Date Received: 2023-08-17
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I went to withdraw my last XXXX that was left from my taxes in my account and was told my account was closed this happened on XX/XX/XXXX was told for suspicion of fraud then was told my funds will be mailed to me I didnt do any fraud went in bank to withdraw money few days later fraud alerts its now XX/XX/XXXX and no check I keep being given the run around I have went homeless due for me being due on my rent and that was my money to pay it and yeah i dont know what to do any longer
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89121
Submitted Via: Web
Date Sent: 2023-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-17
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: Citibank Customer Service XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Gentlemen : I received the enclosed letter, and I am more than shocked. First, you never sent the merchants response. How in the world did you come to the conclusion that this fraudster is innocent, while I was blackmailed to pay for an illegal charge? I would like you to read my letter of explanation again and stop this foolishness immediately! 1. On XX/XX/XXXX I looked up our reservations on XXXX XXXX. I saw a vacant seat that my wife could use, and we would finally sit together. I clicked on the link to change her seat. My screen froze. I tried again with no success. A XXXX XXXX agent got on the phone and told me there was a special department that managed this type of request. She supposedly transferred me to the department to help me change my wifes seat. An agent came on the phone. He identified himself as XXXX XXXX. I told him about the seat change, and, after a pause, he came back on the line to say that this ticket was not fully paid for, and the reservation was frozen. He told me that unless these new fees and charges were not paid, my wife would not be allowed to fly to XXXX XXXX the following day. I read him the letter from XXXX XXXX showing the flight was paid in full. He kept demanding extra money. He kept saying the reservation was frozen and if I didnt pay the extra money or my wife would not go with me to XXXX XXXX . Most of our grandchildren live in California. We booked this trip in XXXX to make sure we would be at two graduations. How could I disappoint her? The threat was enough for me. I gave him my XXXX card. He put me on hold for at least XXXX minutes. He returned and told me my card was rejected. I later talked to XXXX XXXX who told me there was never an attempt to charge my XXXX card on that day. XXXX kept asking for another card. I asked him to try XXXX again, but he was smarter than me. He knew XXXX would not pay the change once I explained the circumstances. Your card worked. I am now sorry I did not try a different one. I paid the money because I could not disappoint my wife or our grandchildren. Just picture yourself being shaken down by a payment that would upset your plans and make those who were supposed to celebrate with us anxious and angry. 2. I am going to enclose the invoice for her ticket. You will be able to see that my wife was paid in full, which included taxes and fees. {$2800.00}. What else could there be? Nothing, only a scheme to yank a few XXXX more dollars by extortion. 3. Finally, how do you explain this same company using this same credit card to purchase several more tickets on different airlines? You let them charge the tickets with my same card. You initially charged my card for these tickets. Now they are under investigation. This makes no sense. You either punish a fraudster or tell them to continue using the card for whatever reason they would like. How is this possible? Your fraud department is just plain awful. Charging me the extra XXXX XXXX is unfair and what about the other airline tickets? Am I responsible for those too? 4. Other peoples names appear on the flights I supposedly booked. I urge you, one more time, to carefully look over my account. I also would like a copy of the merchants statement as was advertised in your last communication. There is no excuse for this charge to stand. The merchant never gave you the entire story. If he had, you would be punishing him. I never threatened him with a cancellation of his flight. I also have no idea regarding my current account balance. It reads XXXX in one place and a charge in another place. Thats no way to run a business? Fix this please. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33496
Submitted Via: Web
Date Sent: 2023-08-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-16
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: On or about XX/XX/2023, Citibank Mastercard acknowledged receiving my payment in full, and knew that the payment cleared my bank at Wells Fargo, but did not release the payment for two weeks and were holding it making money leaving it in their interest bearing general bank fund for Citibank. Citibank calls this new policy floating the payment, and it is illegal because they do not disclose that this will happen, and have no real justification for it as I have made all my payments on time and have been in good standing. Need your help to stop this illegal practice.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 751XX
Submitted Via: Web
Date Sent: 2023-08-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-16
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: On or around XXXX of 2023 I paid XXXX dollars to this company after I had paid them out in full a few months earlier. I was shocked to see that I was being charged the XXXX dollars because I had not used the credit card since long before I paid it off. I later found out that this card had been attached to my XXXX account somehow. I immediately removed it from the account and I was so upset about it that I decided to pay them in full and never use the card again. Until this day I have not used the card, but they're saying that I owe them more money. I asked them to give me some transactions of what I had made. He said they were for XXXX. I had no transactions on my XXXX account showing anything relating to that card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 366XX
Submitted Via: Web
Date Sent: 2023-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-16
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: An authorized user on my Citi card account used my Citi credit card to pay for a car service ride from XXXX XXXX to the XXXX XXXX XXXX NY XXXX on XX/XX/2023. This is roughly a XXXX XXXX XXXX XXXX. The car company, showing on my credit card statement as XXXX XXXX XXXX XXXX NY ' , quoted {$85.00} for the ride. The credit card was provided for payment without the amount being shown on a payment device. A receipt was requested, however the driver said he did not have a paper receipt and he would email the receipt. An email address was provided, however receipt was never received. We were given no other detail on the business, no business card, no company name, or no way to contact the car service. When the charged showed up on my account, it was for {$920.00}, which was {$840.00} more than was quoted for the service. This was an obvious fraud/theft situation that I expected would be resolved by Citi. I disputed the charge with Citi on XX/XX/2023, the same day I was made aware of the charge. On XX/XX/2023, I was notified that my dispute was denied because I was unable to provide any documentation or receipt of the charge. Without any means to contact the car service company, Citi provided me with a phone number that they had for XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX ) XXXX. However, this phone number is actually the customer service phone number for XXXX, and has no affiliation with this car company. Another red flag that I would think would make this an obvious fraudulent charge. Citi would not provide me with any detail about the car service company, their issuing bank, or anything. They instructed me that my only recourse was to call the Better Business Bureau. Unfortunately, I can't file a BBB complaint about a company whose name I don't know, and whose phone number is fake. While this was clearly a fraudulent charge, Citi does not consider this to be a fraudulent charge because we purposely transacted with the company, regardless of whether the charge amount was what we verbally agreed to. At this point, I don't have any recourse with Citi, and have no recourse with the car service company because I can not identify them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75034
Submitted Via: Web
Date Sent: 2023-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-16
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I had XXXX different Citi Bank credit card offers mailed to me in XXXX. XXXX was for 18 months no interest and the other was for XXXX or XXXX months no interest. I chose to use the XX/XX/XXXX month no interest, of course. ( Note that my friend opened theirs on the same day with the same offer. They are still not being charged interest. ) Citi Bank began charging me interest after only XXXX months. Now they say that since I didn't keep the flyer that said XXXX or 22 months on it, I'm basically out of luck. All I can think is that the person who set up my card entered the wrong end date for the promotional offer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78728
Submitted Via: Web
Date Sent: 2023-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-16
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: Hello, I requested a balance transfer on XX/XX/23 from my chase credit card account to a newly opened wellsfargo account for the amount of {$5700.00}. I went on the wellsfargo website and filled out the application for a balance transfer. once the balance transfer was processed on XX/XX/23 the XXXX was posted on my wellsfargo account. I then checked my chase account and realized that I still had a balance of {$5700.00}. I contacted XXXX and they stated the balance transfer came from a XXXX 's account. I informed them that I do not have a Macys account active currently and it was impossible for this money to come from my Macys account. They then stated I must have typed in 1 or 2 incorrect digits by mistake on the balance transfer application that matched an unknown Macys account that is not mine. A case with wellsfargo was opened in XXXX for Macys to refund the funds. Macys has not responded yet and I have no information on how to contact Macys to get this expedited. When I call Macys they will not provide me with any information on account that is not my own. Now I have someone else 's debt in my wellsfargo account and I am having to pay on that balance as well as my own balance on my chase credit car account. I have never heard of someone having to pay someone else 's debt and this should have been taken care of already. this Macys account is not linked to my social security number, name, address. I need help please to expedite the refund of this money from Macys back to wellsfargo.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48124
Submitted Via: Web
Date Sent: 2023-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-16
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I opened a account with CitiBank around XXXX weeks ago, I got my debit card and I started receiving payments to my account, I received three in total, a {$2000.00} XXXX payment, {$4700.00} XXXX payment and a {$4500.00} XXXX payment. My first time having a problem with Citi is when I went to withdraw my second time at the branch and was denied by the ATM, I received notifications questioning the activity and replied Y to a text prompt verifying it was authorized by me so I tried again and It denied me still, I called citi and they put my account under review for no reason. XX/XX/15 I go to the bank to make a withdrawal of {$4000.00} dollars they denied me and told me I would have to get on the phone with the fraud department to verify a few questions which I do and answer all correctly and the representative I was on the phone with told me she would remove any blocks and holds on my account and shortly I'm put on hold and transferred to another representative that was rude and didnt make sense and told me I had to wait on a reference letter. That same day I attempted to XXXX XXXX dollars out my account since the branch denied me and I still had my online access but it didnt let me, I received a fraud alert and verified it was authorized by me shortly after that my online access was revoked so I call the bank again and I get on the phone with a rep that tells me I just have to go to the branch to unblock my account then everything will be fine, today I wake up to my account being closed within 60 days with no reason at all, Ive called them multiple times to verify the account activity and questions which correct and legitimate and authorized by me. I need help to either reopen my account or receive my total account balance immediately My Name is XXXX XXXX My Account Number Is XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33162
Submitted Via: Web
Date Sent: 2023-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-16
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Someone applied for a credit card with THE HOME DEPOT/CITIBANK XXXX XXXX XXXX and have a balance of {$1000.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48235
Submitted Via: Web
Date Sent: 2023-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-16
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: CitiBank NA repeatedly sent me a Member Advantage Miles Checking with a reward if I complete certain actions in a given timeframe. The reward was XXXX American Advantage Bonus points WITHIN 30 CALENDAR DAYS FROM THE DATE YOU COMPLETE ALL REQUIRED ACTIVITIES. The time period allowed to complete the activities was up to 90 days. I opened offer account on XX/XX/XXXX and FULFILLED THE REQUIRED ACTIVITIES ON XX/XX/XXXX. On XX/XX/XXXX, I contacted CITI by phone and was told that I had fulfilled all the requirements and that the points would be awarded by XX/XX/XXXX. Citi did not FULFILL ITS OBLIGATIONS PER THE OFFER. I called CITI on XX/XX/XXXX and was again told that I had fulfilled all the requirements and that points will be awarded in 2 business days. Nothing happened. I again called on XX/XX/XXXX and was again told that it would be resolved within 5 business days. Nothing happened. Another call and I was asked to wait 12-24 business hours. I wrote an email to Citi XXXXxecutive VP XXXX XXXX. A representative called me and told me it would take 15 calendar days. On XX/XX/XXXX a CITI representative INCORRECTLY told me that the award will be on XX/XX/XXXX. IT IS NOT PER THE OFFER. I again followed up with Citi Executive VP on XXXX XXXXand expressed that the rep had not read the text of the offer and failed to address what is in the offer. Another rep called me and stated another 15 days. No end in site.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2023-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A