Date Received: 2023-08-14
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 XX/XX/2022 I made a purchase on a merchants website that included an item ( an XXXX ) that was {$1200.00} + taxes. After receiving the item I discovered that the items specifications/qualities were misrepresented on the website. Within a week I abandoned usage of the product and then attempted to return it via a return method advertised to me by the merchant. My return was repeatedly refused or otherwise rejected until such time as the return period had passed whereby I was prohibited from making further attempts to return the product. I took screen shots of my computer to prove this. I later disputed the charge on my Citibank Credit Card, pointing out that the merchant had not only misrepresented the product on their website, but that I also was unable to return the product pursuant to the return policy and advertised return method of the merchant. Citibank didnt appear to speak for themselves and appeared to allow the merchant to speak for them ; the merchant declared that the product was not misrepresented and that there was no record of any attempts on my part to return the item and that the merchant was therefor refusing to accept a chargeback, as if the merchant controlled Citibanks determination regarding my dispute and not the other way around. I then discovered that Citibank had arbitrarily ( and possibly capriciously, but definitely unnecessarily ) disabled the ability for me to respond to the matter via their website ; requiring me to utilize a printer to print out my evidence to mail to them. I then sent them a letter showing the screenshots of my computer showing the merchants misrepresentation of the product as well as my numerous attempts at returning the product. I further pointed out that the only way the merchant didnt have record of my attempts was if they were lying about it or if their records were terrible. I was then given a response, again basically by the merchant rather than Citibank, that I was not entitled to a refund. The merchant admitted that there was a problem with their representations of the product but claimed it didnt matter. They also confirmed that I had made multiple attempts to return the product and that they hadnt allowed me to do so. Their response to that was that it was my fault for not going out of my way and trying even harder ( besides my 6+ attempts ) to return the product. Ultimately it was declared that the merchant deserved to keep my money and I had to keep the item that I didnt want and was not even using, even though it was confirmed that they misrepresented the product and confirmed that they didnt allow me to return it within the return period pursuant to their policies. Due to the misrepresentation of the product I abandoned usage of it after about 3-5 days of acquiring it. To this day I have not used the product ; its just sitting in the box. I believe Citibank has acted in bad faith in this matter, not only by not protecting me from misconduct by a merchant, upholding my rights, and also by allowing the merchant to make decisions regarding the dispute instead of handling it themselves.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92595
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: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: REF : Account closed # XXXX Fund is on hold {$25000.00}. I am writing this letter about I open on lines Miles Ahead Saving Account # XXXX Checking Account # XXXX. After opening account I sign into the Citibank website to attempt to open an account and when I tried to fund it I linked my XXXX account to Citibank and my linked XXXX as well. I have transfer {$10000.00} from XXXX XXXX and {$25000.00} from XXXX XXXX and both transfer was made successfully and posted to my Citibank Miles Ahead Saving account as of XXXX XXXX. I received email on XXXX XXXX that my both accounts has been closed that I have violated the terms of my accounts per client manual. I did not do any violation. I requested the XXXX to get my money back from my Citibank account and XXXX recall ACH and got my {$10000.00} back to XXXX account. After this Citibank debit {$25000.00} from my citi bank saving account without my permission and I dont know where that money Citibank transfers it. I have been calling Citibank nonstop for the last 47 days about my money every time they connect me Fraud dept. The calls are answers offshore call centers. I contact my XXXX XXXX to recall ACH from Citibank and XXXX XXXX refused to recall the money because I authorized Cititbank to debit my XXXX account so there is no way for XXXX to do the recall because the transaction was not initiated by XXXX. It appears that the money hit my Citibank account # XXXX but the account was flagged as suspicious. I need to know Citibank is why the account was flagged and where are they holding my {$25000.00} money. I need my money back. Attached the all document from my XXXX XXXX send information.Please Send my money as soon as possible. Thanks XXXX XXXX XXXX XXXX phone # XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 36695
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: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: I got a phone call from a company called XXXX XXXX on XX/XX/XXXX. The phone number that called me was XXXX and the name of the called was XXXX XXXX. He stated I owed a balance of {$1700.00} and they sent numerous priority mailed letters, but I dont recall getting any letters from them. The debt was from Best Buy but i opened that account back in XXXX and I called Best Buy and they said the account is closed. I also called Citi Bank and they stated they dont see a balance for that account. He also told me that if I didnt make payments, that a judgement would be sent to my house and the parish would get involved. I tried researching this company and can not find any resources on the internet. I also googled the address on the letter they sent me and when I called the number, they dont know who XXXX XXXX is or what I am talking about. Please help in any way possible. Im believing this is a scam but cant be to sure.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70072
Submitted Via: Web
Date Sent: 2023-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-14
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Hello, This is regarding Shop Your Way Master Card ( XXXX ) : {$4800.00} Balance Transfer Conversion Check ( BTCC ). I have paid my monthly statement balance in a timely manner. The problem is when I send additional monies to be applied to the BTCC these monies are applied to the 20-25 day grace period, which is not due until the closing date. I am ialways on the phone with the XXXX representatives to make sure the additional monies will be applied to the BTCC and the representatives all assure me the monies will be applied to the BTCC. Soon after, upon my checking and calling the call center again, the XXXX representatives time and time again, site the system and this is with them asking a supervisor. Note I have also spoken to supervisors resulting with the same. My last payment of XXXX resulted with XXXX applied to the not yet due closing date bill and {$150.00} applied to the BTCC. This ended with the account balance still due including interest, which was not my intention. Moreover, in the most recent months pass, I paid {$220.00} weekly to pay off this debt sooner and the monies were not applied to the BTCC as intended and as assured to me by the XXXX representatives. Also, my last phone contacts with XXXX representatives ended in the first representative remaining mostly silent with few words of assistance ; the call was disconnected. The second representative seemed to understand my long-enduring dilemma until she spoke with a supervisor and sited the system as the fault with no reasoning ; she hung up the call on me. Your attention to this traumatic situation is greatly appreciated. Thank you, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 482XX
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: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have disputed this account several times with the credit reporting agency. XXXX is the only credit reporting agency that still has this account documented. my credit report is supposed to be fair & equitable to me as a consumer, this account Is listed as a charge off and has been written of but still shows a past due balance and amount owed. NOTATIONS DO NOT INDICATE THE BALANCED OWED IS XXXX Section 623 ( a ) ( 5 ) of the FCRA STATES THAT A CONSUMER AGENCY SHALL NOT REPORT ANY ACCOUNT THAT REFLECTS A CHARGE OFF. THE CREDITOR HAS SOLD THE DEBT TO A COLLECTION AGENCY.I DO NOT HAVE A BINDING AGREEMENT WITH THIS AGENCY.A CHARGE OF ACCOUNT CAN ONLY STAY ON THE REPORT FOR SEVEN YEARS FROM THE FIRST MISSED OR LATE PAYMENT WHICH WAS LISTED AS XXXX XXXX.EVERYTIME THIS ACCOUNT WAS DISPUTED INFORMATIONNWAS ALTRED.ONLY XXXX HAS FAILED TO VERIFY THIS INFORMATION CORRECTLY
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08205
Submitted Via: Web
Date Sent: 2023-08-15
Company Response to Consumer: Closed with non-monetary relief
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: I reached out to Best Buy on XX/XX/2023, after multiple failed attempts to reach merchant. Purchase was for a vacation membership. Cancellation policy requires that customer reaches out to merchant via phone number to cancel. However phone number is disconnected, therefore could not cancel. Started dispute with Best Buy Credit card, in order to get refund, as the contract stipulations were not being met by merchant. On XX/XX/XXXX, the dispute was settled in my favor, in the amount of XXXX. XXXX days later Best But reopened the case and reversed my payment, on the grounds that the cancellation policy was not followed. I have reiterated on multiple occasions that I couldnt follow the typical cancellation policy, because the merchants customer service line didnt exist. Best Buy didnt seem to care. Im not the only customer that has the same complaint against the merchantXXXX XXXX XXXX XXXXXXXX. A review of their XXXX would back up this statement. This has been going on for months. I simply want the money I am due.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33063
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: Closing on a mortgage
Subissue:
Consumer Complaint: I applied for a Citibank Home Run program loan on XX/XX/2023. I was told that I qualified and went through the whole home-buying process. I was waiting for the final loan papers to arrive to sign. On Day 45 of a 45-day escrow, XX/XX/2023, the loan documents had not come through. I called both the processor and the loan officer. Citibank finally returned my calls that afternoon and told me that I did not qualify for the XXXX XXXX program. The loan officer offered me two other loan options. Both were higher in loan fees ( XXXX XXXX ) and higher in monthly fees of about XXXX XXXXXXXX. Citibank reduced most of the loan fees, but would not reduce the monthly amount back to what was originally offered with the XXXX XXXX program. I was not comfortable paying the extra XXXX XXXXXXXX, so I had to cancel the purchase of the condo. The loan contingency had already been removed because the loan officer assured my realtor that the loan would go through. The sellers agreed to return {$11000.00} of my {$150000.00} earnest money deposit, but kept {$3800.00} to make up for lost rent on the property. Throughout the process, I lost approximately {$6000.00} after the cost of inspections, the appraisal, the home buyer course I was required to take, the earnest money deposit, and other fees. I am not able to look for a new home now because I need to recover the {$6000.00} that was lost to have enough money for a downpayment and closing costs. I would like Citibank to recover all the money that I lost due to their error in the initial approval process for the program and their error during underwriting. Neither step determined that my income was too high to qualify for the program until the very last few days of escrow. Here is a breakdown of the money that I spent that will be lost if Citibank does not recover it. XXXX XXXX XXXX {$510.00} CitiBank Loan Commitment and Appraisal {$800.00} XXXX XXXX XXXX XXXX {$170.00} XXXX XXXX XXXX XXXX XXXX. {$200.00} Required Homebuyers course {$100.00} Wire Transfer from XXXX {$20.00} Wire Transfer from XXXX {$25.00} Lost interest from XXXX {$90.00} Document preparation fees. estimated {$250.00} Lawyer referral fee {$35.00} Total costs {$2200.00} Seller retained from XXXX {$3800.00} Total lost {$6000.00} I communicated with the loan officer and the loan officer 's manager. I tried reaching customer service, but they will not return my calls. I would like my {$6000.00} returned to me by Citibank, since it was their error that caused me to lose that money. I can provide receipts for all the costs that I paid. I would like Citibank to pay me the {$6000.00} that I lost due to their error in the initial approval process for the program and error the underwriting. Neither step determined that my income was too high to qualify for the program until the very last few days of escrow. I would also like Citibank to pay my realtor {$5000.00} for lost wages. She would have received at least {$7500.00} in commission for the sale. She spent many hours trying to remedy the situation with Citibank by phone and email, as well as trying to find a new loan from different lenders that would work. The failure of the sale was a result of Citibank deciding in the last few days that I did not qualify for the XXXX XXXX loan, and the new loan options that were too expensive.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93060
Submitted Via: Web
Date Sent: 2023-08-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-15
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XXXX XXXX I deposited my lottery check for XXXX from ca lottery in XXXX to my Citibank account on XXXX. I was told it would be ready the next day. It was not. I called the bank and they said my account is frozen. I contacted the fraud department and they said my check is invalid and they will not cash it. I asked for my check back or my cash and was denied my check or my funds.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91405
Submitted Via: Web
Date Sent: 2023-08-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-14
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: In accordance with the Fair Credit Reporting Act ( FCRA ), a fundamental legislative framework established to protect the rights of American consumers with regard to credit reporting, I hereby initiate a formal dispute concerning the following account : Account Details : Account Name : CITICARDS CBNA Account Number : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have identified discrepancies and concerns related to the status of this account. Specifically, the reported " Not more than two payments past due '' status and associated late payments inaccurately represent my understanding of the account 's payment history. Furthermore, the reported balance and past due amount appear inconsistent with my knowledge of the account 's financial activity. I wish to emphasize the significance of the FCRA, particularly the following sections : 15 U.S.C 1681 Section 602 A : This section underscores my right to privacy and the importance of accurate credit reporting. 15 U.S.C 1681 Section 604 A Section 2 : This provision establishes that a consumer reporting agency can not furnish an account without obtaining my written instructions. 15 U.S.C 1692C : This clause emphasizes the requirement of my prior consent for any communication from a debt collector. In light of these legal mandates and the disparities noted in the account reporting, I formally request a thorough investigation into this matter. I expect XXXX to diligently address the discrepancies, rectify the inaccuracies, and ensure the reporting aligns with the principles stipulated in the FCRA. Furthermore, I assert my right to cease all communication tactics related to this account. I anticipate no further communication attempts from any parties involved, including debt collectors. Your swift attention to and resolution of this dispute are greatly valued. I anticipate your dedicated efforts in addressing this matter and upholding accurate and equitable credit reporting. Thank you for your cooperation and commitment to the fundamental tenets of the FCRA.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19114
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: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: I received my Citi Simplicity card XX/XX/XXXX statement last week. Also enclosed with the statement was notification of Important Changes to my Account Terms, which to informed me that my interest rate will increase from 22.24 % to 25.99 % effective XX/XX/XXXX. This is a 3.75 % increase in interest rate. Reasons given were due to factors that have been present most of times Citibank runs periodic credit reports. This time the same factors that existed during previous months of checking plus a credit score of XXXX was given as the reasons for the increase. I also make my monthly payments with each statement. Also, I had reason also requested a replacement card from Citi as the original one was cut up. So why am I being penalized with a higher interest rate for information that had existed when previous credit inquires were made by Citibank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45212
Submitted Via: Web
Date Sent: 2023-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A