Date Received: 2023-08-15
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I received a call stating that I was being served a court summons and asking if I was home. When I asked what the summons was related to, I was given a phone number and case report to get more information. When I called the number given to me, I was told by a man calling himself XXXX XXXX, that her worked for XXXX XXXX XXXX, a law firm in XXXX and that I was being named a defendant in a case by Citibank pursuant to an unpaid balance on a card fromXX/XX/2016. ( This card was paid and closed as shown in my credit report ) When I responded that I had not received any communication from Citibank regarding such a debt, I was told it as because it had already moved past the collections process. That the total sum now due would be over XXXX ( the original stated amount was XXXX ) I was told that the serving company messed up and werent supposed to give me a number to call and that since I had called I could possibly be eligible for remediation to avoid civil court costs. If I paid online that day through a XXXX statement, I would only be required to pay XXXX. When I indicated that I would like more time to investigate the veracity of this suit/ claim there was no effort to coerce me. I called the XXXX Attorney General 's Office after being unable to speak to anyone at Citibank to verify the collection. They referred me to the Secretary of State 's office to see if this company had a Surety Bond which allowed them to collect debts in the state of XXXX. When I called, I was told this company did not have such a bond and that I was likely the victim of a Scam attempt.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77573
Submitted Via: Web
Date Sent: 2023-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-15
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: We had disputed a charge on our Best Buy account in the amount of {$1600.00} for a stove that we purchased on XX/XX/XXXX. They resolved the dispute, but later reversed it and charged back to our account. This is a summary of the transactions/phone calls that took place and still not resolved. The stove purchased on XX/XX/XXXXXXXX was not working properly. I made an even exchange for the exact same stove however, I was not happy with the it and decided to purchase a different model stove, for less money. That delivery, installation and XXXX XXXX ( XXXX Unit-Stove that was exchanged ) was scheduled for XX/XX/XXXXXXXX and was completed. The {$1600.00} ( cost of first stove ) was not credited and the charge for the new stove, {$990.00} was now on our bill as well. As of XX/XX/XXXX, they closed the dispute, and it was NOT in our favor. They are stating that we still have that stove, so it was never returned by their driver when removed from my home. I've spent hours on the phone trying to resolve this, and every person I speak to, tells me it will be resolved, and I will have a confirmation email within XXXX hours, another person stated XXXX hours and the most recent call ( XX/XX/XXXXXXXX ) said I will definitely have confirmation email by XX/XX/XXXX. ( tomorrow ). If that driver did not return the stove, then I should file a police report as he removed it from my home and never returned it as Best Buy policy requires. I have documented all my communications with Best Buy Credit Services and also their sales Department. I am extremely frustrated as I can not continue to spend endless hours on the phone and not getting any resolutions. I don't know what else I can do. Please let me know what else you need from me to escalate this matter. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 019XX
Submitted Via: Web
Date Sent: 2023-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-15
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: Ref # case XXXX on XXXX, XXXX several items was bought on line from XXXX XXXX XXXX some was kept some were returned. XXXX item a suit {$430.00} was returned but no refunded received. My son called the store manager to report that they said it was refunded but not the correct amount check you XXXX statement for the refund in a few days. A week later we got {$35.00} but not full amount. I called XXXX XXXX XXXX several time they said I need to speak with the store XXXX I did but he was not welling to assist because he couldn't access on line orders and he referred me back to XXXX XXXX XXXX. I called my Bank Citibank and I open a dispute for the amount of {$400.00} by phone on XXXX # case XXXX XX/XX/2023. A few weeks I received a letter telling me the dispute was closed because there was not a detail explanations for return. This is was a surprise request since when we have to gave a reason to return an item. I responded in writing to reopen the despite. Then they requested evidence of return which I never got XXXX for this item. I called Citibank and a spoke with XXXX manage with the name XXXX and asked him why you need evidence of return is the store denying they received the suit back he said yes. I requested to get copy of the merchant letter more than XXXX time but I got nothing. How can they denied they got the item back and at same time they refunded only {$35.00}. He said the Citibank will not contact the merchant at less we have evidence of return. Here after tow months going back and forward, my bank done nothing to help me with my dispute. Please let me what else I should do to get this resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2023-09-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-15
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I applied online for the Citi AAdvantage credit card on XX/XX/23. In the application details, it states " If approved today, you will get an account number and temporary minimum credit limit to use on travel immediately. '' I immediately received an email confirming my credit approval with a limit of {$17000.00}. The email only included the last 4 digits of the account card. I called Citi and American Airlines to see how to get the account number, as I wanted to book a flight from XXXX to XXXX that had dropped from {$290.00} to {$130.00} in XXXX hours. Citi told me that I would either have to wait the 7-10 days to receive my physical card in the mail, or XXXX hours when an email would be sent including the account number. XXXX hours is not " immediately '' as advertised, and given the fluctuation in prices by day, I might have applied for this line of credit without any benefit of savings. I was told by American Airlines that the card information would automatically be added to my AAdvantage account, but it has not.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19083
Submitted Via: Web
Date Sent: 2023-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-15
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: citi bank is redlining me. Period. This is the third time going to the site and doing this and that and will not open! upload my driver license they say they can not identify me ( they know me ) I tried to open there 21 month credit card offer and they will get back to me same thing they said the last time! They I thought maybe I can open checking and savings and again go spend time to fill it all out and that is when they said we can not identify me? There AI is not that XXXX!
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: 2023-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-15
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I've called the company since XXXX of XXXX asking them to verify the debt. They answered me in XXXX of XXXX and did not verify the debt. Furthermore there are discrepancies with the balance amount and it has affected my access to credit drastically.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02128
Submitted Via: Web
Date Sent: 2023-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-15
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I found out about the problem with my CITI Bank checking account ( XXXX ) on XX/XX/22. I went to nearest branch of CitiBank and found out that my account was hacked. The hiker changed all contact information on my account. My account was hacked and total {$25.00} was stolen. I submitted the police report on this amount to be refunded. The wire transfer amount was returned by Citi Bank. But 4 NOT- authorized XXXX XXXX each of {$500.00} ( on XX/XX/22, XX/XX/22, XX/XX/22, and XX/XX/22 ) ( total is {$2000.00} ) are still not refunded. I have been a valued client of Citi Bank for more than 20 years. I have never used XXXX from my Citi Bank account. The matter is still not resolved
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11375
Submitted Via: Web
Date Sent: 2023-08-15
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: Case ID XXXX Transaction Date : XX/XX/XXXX Transaction Amount : {$370.00} Dispute Date : XX/XX/XXXX Dispute Amount : {$190.00} XXXX opened a disputed for {$190.00} on XX/XX/XXXX. Citi Bank resolved the dispute in my favor on XX/XX/XXXX but has failed to credit my account for the disputed amount of {$190.00}. It has been 357 days since the dispute was initiated. It has been XXXX billing cycles since the dispute was initiated. It has been XXXX billing cycles since the dispute was resolved. Citi Bank has still not credited my account the disputed amount. I emailed XXXX on XX/XX/XXXX asking them to credit my account. This was 9 days ago. Till this date they have failed to credit amount. I really hope CFPB and FTC investigates on Citi Bank for fraudulent activities. I highly doubt that the Bank is complaint with all consumer rights and regulations. This is not the first time they have shown fraudulent behavior and have intently defrauded me and stripped me of my rights.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60607
Submitted Via: Web
Date Sent: 2023-08-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-16
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: This credit card company allows its client to charge for services not rendered. They put charges on accounts for 12 months same as cash but when those amounts are altered neither companies make corrections. For over 5 years I fought for my billing statements to be corrected. To honor amended contract. The first salesman over measured for the merchandise. The XXXX remeasures and informs company of errors. The salesman amended the contract, it went from XXXX to XXXX. My bill continued to display XXXX. The salesman canceled the order and according to the ordering clerk he never reordered. This company sues me for XXXX after 2 years of court hearings. I then take their client to court and they request mediation. The representatives look at all my paperwork and call their law department and were told to settle with me that day. Small claims court does not allow XXXX lawsuits which is what i was sued for. For years I've told both companies I NEVER RECEIVED THE MERCHANDISE!! Now I'm being forced to pay their lawfirm for something I never received. The amount is inaccurate, the interest charges are over inflated. Their client often display bad business practices. I've talked to XXXX XXXX firm, whos had several lawsuits against their client. I read the XXXX 's case from Ohio as well as many others. This client stopped offering the services I signed a contract for and never made us aware. I filed XXXX disputes that I believe were just brushed off. I mailed paperwork to the XXXX of this company in XXXX and I haven't heard back from them. I've sent paperwork for this new issue to complaint # XXXX. In XXXX. I feel as though I've been discriminated against. I am retired due to health issues, and it's my honest belief that this all has contributed to my issues.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45231
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: Managing an account
Subissue: Problem accessing account
Consumer Complaint: On XX/XX/2023, I tried signing into my online account. When signing in, I got the message, " Activate Your Card Your debit card must be activated before you can sign on. If you havent received your new card yet, please allow XXXX business days for it to be delivered to your mailing address. '' I only have XXXX products with Citi- a savings account ( ending in XXXX ) and a credit card ( ending in XXXX ). Why after opening my savings account over a year ago is the online access requiring me to active my XXXX debit card? A card that I tore up and threw away within the first week of opening the account online. My intention was to make this account 100 % online - paperless and no physical card. Because of this, I can not access my account online and access my funds when I have bills to pay. I called Citi on XX/XX/2023 and spoke with XXXX regarding the situation. The only way to proceed was to pass their security question. I needed to provide the full savings account number or provide the mother 's maiden name. How can I provide the full savings account number when I can not view my statements online anymore? When the rep asked for my mother 's maiden name, it did not match their system. There are no Citi branches near me location. The only option he gave was to send a letter to Citi 's office at their XXXX XXXX Texas address and to request a debit card. A process that will take several weeks. Therefore, unable to access my funds for several of weeks. I received no warning this was going to happen and I'm now unable to access my savings account now. This is my second formal CFPB complaint with Citi. After this I'm completely done banking with them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85085
Submitted Via: Web
Date Sent: 2023-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A