Date Received: 2023-08-14
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: About 4 different times during the past 4 months false fraud alerts have blocked my usage of my Citi cards credit card. I am the only person who has initiated transactions on this card. I have wasted many hours resolving these false fraud alerts, none of which are fraudulent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 273XX
Submitted Via: Web
Date Sent: 2023-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-14
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have told this company repeatedly that there have been fraud on my accounts and that they are not mine and I ask them to verify information showing my signature and they have yet to do that.I have told them about police report and trade fraud report as well, I would like these deleted off my profile with any other negative remarks, I have also received information from companys such as XXXX and XXXX about data breaches
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90047
Submitted Via: Web
Date Sent: 2023-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-14
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am reporting a fraudulent inquiry on my credit report from Macys/cbna. Inquiry date XX/XX/2023 I am requested this inquiry be removed from my credit file because it is a fraudulent inquiry not made by me. I have already filed a dispute with XXXX as well as contacted Macys but they said there was nothing in their system.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90003
Submitted Via: Web
Date Sent: 2023-08-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-14
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Request to Citi Personal Wealth Management : Keep accounts below opened after a partial transfer order to XXXX was made : XXXX IRA ( ~ {$70000.00} ) XXXX ROTH IRA ( ~ {$2000.00} ) On XX/XX/23, I called XXXX, Citibank Investments, a phone number I had previously used to successfully contact Citibank Investments, in order to keep the accounts above open after a transfer order. I was rerouted to Citibank credit cards. On XX/XX/23, I called XXXX, Citibank Investments, I was rerouted to Citibank Business. On XX/XX/23 I called XXXX, a Citibank Investments representative, XXXX, sent me a secure email so I could attach a rescind letter to keep both accounts open. XXXX told me he will be looking into the issue of keeping the accounts open and told me he would call me back the next day. I never received a call from XXXX. On XX/XX/23, I reply to XXXX with a PDF attachment. On XX/XX/23, I received a reply form Citibank.securemail.citi.com telling me to attach and encrypted PDF without any instructions. On XX/XX/23, I wrote to Citibank.securemail.citi.com to asking for further instructions. I have received no response. On XX/XX/23 I called XXXX, Citibank Investments, I was rerouted to Citibank department other than Citibank Investments. On XX/XX/23 I called XXXX, Citibank Investments. I was rerouted to Citibank department other than Citibank Investments. On XX/XX/23 I called for a second time XXXX, Citibank Investments. I was rerouted to Citibank department other than Citibank Investments. On XX/XX/23 I called for a third time.XXXX, Citibank Investments . I was rerouted to Citibank department other than Citibank Investments. On XX/XX/23 I sent a rescind letter to XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX to request that the account above be kept opened. I have not received any response. On XX/XX/23 I called XXXX, Citibank Investments. I was assured my account will be kept open. On XX/XX/23. I called XXXX, Citibank Investments. I was told the account were still closed. Thank you for your help and time!
Company Response:
State: CA
Zip: 94403
Submitted Via: Web
Date Sent: 2023-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-14
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Thank you, CFPB, first, I want to thank you for helping me in the past. If you were look into your history regarding my past complaint, it is related to my past complete. During the first of the year around XX/XX/XXXX my employee card with my other credit cards as well as my bank card were all breached I in turn close every account that I had which also included Shop Your Way credit card. All of my accounts were closed on XX/XX/XXXX of 2023. These purchases were made after the XXXX around the XXXX of the same month even though I confirmed with Shop Your Way that my account was completely closed they are still asking me to pay for something that I never purchase. Because of my history with you CFPB Im asking you if you would do the investigation yourself because theyre not doing their internal investigation or an extended investigation regarding this matter please contact me at your earliest convenience through the email on file. Additional information at the closing all accounts I open an account with XXXX XXXX and consolidated all my cards with XXXX XXXX. These are two of the latest documents on file
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11701
Submitted Via: Web
Date Sent: 2023-09-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-14
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/XXXX, someone got into my Wayfair account, changed my password, and ordered some items. I got an email from Wayfair thanking me for my order on XX/XX/XXXX. I immediately called Wayfair and Citibank to report the fraudulent charges. All the efforts to resolve this issue over the past few months are outlined in a letter I sent to Wayfair Citibank Security Operations on XX/XX/XXXX which I have attached. The fraudulent charges have been removed, however, I was charged interest charges on them and continue to get late fees added. I never got any acknowledgment of this letter. Basically, they have finally removed the fraudulent charges, but continue to send me bills with interest and late charges incurred because of these charges. I have not had a legitimate charge from Wayfair since XXXX and that bill was fully paid. I have received phone calls, mailings and emails from Citibank trying to collect on these charges. Typically what happens is I get told to wait another billing cycle for the charges to clear and can't seem to get anyone to understand that these charges are all fees related to the fraudulent charges that need to be removed. On XX/XX/XXXX, I finally got transferred to an agent named XXXX that could clearly see that these charges should go away and she was able to remove the charges because it was a Saturday and she had that ability because the security folks don't work weekends. I was so hopeful, but when I got the XXXX bill, some charges were removed, but some weren't and another late fee was added! Called again on XX/XX/XXXX. After 4 transfers and 53 minutes on the phone, I spoke with a XXXX that again saw that the charges should not be on the card and she would " escalate '' the case. The XXXX bill comes with no changes and another late fee. Called again on XX/XX/XXXX. Get transferred to someone named XXXX who confirms my balance should be XXXX, that he gets XXXX of these calls a week about late fees and interest fees incurred on fraudulent charges that shouldn't be on bills, that he has a 95 % success rate on getting them removed by escalating them to the proper channels, and they should go away in 7-10 days. Well, its been 20 days and I am getting harrassed by Citibank through phone calls and emails to pay my bill. After at least a dozen phone calls, a drop in my credit score due to Citibank, and numerous promises that this will be resolved, I don't know what else to do. I have been told at least 3 times that my case would be escalated to the proper department to resolve this, but I can't see that that has happened. I even had one person from Citibank suggest I just pay the interest and late fees!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23116
Submitted Via: Web
Date Sent: 2023-08-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-14
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I am writing to express my concern regarding a significant issue I have encountered with the credit reporting system. After reviewing my credit reports from all three major credit reporting agencies, XXXX, XXXX, and XXXX, I have noticed a substantial inconsistency in the findings and information they have reported. It has come to my attention that certain accounts and transactions, which are accurately reflected on XXXX credit report, are incorrectly represented on the reports from the other agencies. This inconsistency has raised doubts about the accuracy and reliability of the credit reporting process, as it appears that discrepancies exist among the reports issued by the different agencies. As a consumer, I rely on accurate credit reporting to make informed financial decisions and maintain my creditworthiness. The inconsistencies among the reports from the different agencies create confusion and uncertainty about my true credit standing. This situation not only affects my financial stability but also undermines the integrity of the credit reporting system as a whole. I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take necessary actions to ensure that all three major credit reporting agencies provide consistent and accurate information in their reports. Consumers should be able to trust that the information presented to them is reliable and reflective of their financial history. I believe that addressing this issue is crucial for maintaining transparency and fairness in the credit reporting industry. I appreciate your attention to this matter and look forward to your prompt response. Thank you for your time and consideration. XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 085XX
Submitted Via: Web
Date Sent: 2023-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-14
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I am writing to express my concern regarding a significant issue I have encountered with the credit reporting system. After reviewing my credit reports from all three major credit reporting agencies, XXXX, XXXX, and XXXX, I have noticed a substantial inconsistency in the findings and information they have reported. It has come to my attention that certain accounts and transactions, which are accurately reflected on XXXX credit report, are incorrectly represented on the reports from the other agencies. This inconsistency has raised doubts about the accuracy and reliability of the credit reporting process, as it appears that discrepancies exist among the reports issued by the different agencies. As a consumer, I rely on accurate credit reporting to make informed financial decisions and maintain my creditworthiness. The inconsistencies among the reports from the different agencies create confusion and uncertainty about my true credit standing. This situation not only affects my financial stability but also undermines the integrity of the credit reporting system as a whole. I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take necessary actions to ensure that all three major credit reporting agencies provide consistent and accurate information in their reports. Consumers should be able to trust that the information presented to them is reliable and reflective of their financial history. I believe that addressing this issue is crucial for maintaining transparency and fairness in the credit reporting industry. I appreciate your attention to this matter and look forward to your prompt response. Thank you for your time and consideration. XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 085XX
Submitted Via: Web
Date Sent: 2023-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-14
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: On XX/XX/, I made a purchase at XXXX with my Citi DoubleCash card. The card terminal stated that my purchase was {$28.00} and I swiped my card and left. When I checked my email, I saw that Citi had redeemed XXXX of my ThankYou points on the purchase without my consent. I was never prompted to use them at any point during my purchase. These points have a worse value when applied to a purchase at a store than when theyre redeemed for cash back ( i.e. I received a {$10.00} discount off my XXXX purchase but I could have redeemed them for {$12.00} cash back ). Citi is not abiding by the terms of their cashback program and many other customers online have complained about similar practices. Theyre using customers cash back rewards without the customers consent to save themselves money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21043
Submitted Via: Web
Date Sent: 2023-08-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-14
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I was unemployed in XX/XX/XXXX then the pandemic started in XXXX. I was out of work until XX/XX/XXXX. I approached a credit repair company. I turned over XXXX credit cards with a balance greater than {$500.00} each. I had to make monthly payments to them. All of My credit card companies wouldnt settle. I contacted each credit reporting agencies. I disputed each credit card because of COVID otherwise I was making payments. I was told by the agencies that the credit card company said to leave it as reported which is staying on my account. The amounts are incorrect. My credit repair company has been trying to work with each credit card. They started making payments but I was told that each credit card wasnt cooperating nor reducing my balance nor removing it from my credit report. My income dropped drastically. I had companies to close because of COVID. I went from 11 companies to 5 companies. Im a XXXX XXXX. Im on XXXX, XXXX and my income in XXXX was {$12000.00}. I have had help to cover my basic expenses and food.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 432XX
Submitted Via: Web
Date Sent: 2023-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A