Date Received: 2023-08-10
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: During the month of XX/XX/XXXX, I opened a Citi Diamond Preferred Account. Due to an introductory rate of XXXX XXXX for balance transfers that expires XX/XX/XXXX, I opted to pay off XXXX credit cards. A balance transfer request for XXXX XXXX XXXX was made on XX/XX/XXXX. I completed the balance transfer online and paid a balance transfer fee. I received an email on XX/XX/XXXX the balance transfer was successfully sent. I followed up with XXXX XXXX XXXX to confirm if funds were received and they confirmed no. When I contacted Citi during the month of XXXX, I was advised I entered the wrong account number and a claim would be open. I did request to complete a XXXX way call with XXXX XXXX, but I was informed additional research will need to be completed first. No follow up was received. I followed up with Citi during the month of XXXX and was told a request to XXXX XXXX regarding the balance transfer request. I continued to check my XXXX XXXX and it still showed a balance of XXXX. On XX/XX/XXXX I contacted Citi and requested to speak to a supervisor. The supervisor advised an internal team will work on my request and multiple attempts were made and XXXX did not respond. I inquired again about doing a XXXX way call with XXXX. I was once again told to call immediately after call to give them authorization to speak to Citi. On XX/XX/XXXX, I received notice via mail that my dispute is open and citi is processing my investigation. My purpose for writing the CFPB is a request to get this situation resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-09
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: some one charged my debit card 2 times for {$930.00} each time, and after the bank issued a credit for me with the amount of {$1800.00}, and after few days, the bank took back the {$1800.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10306
Submitted Via: Web
Date Sent: 2023-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-09
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have been paying off the balance on my home depot card for over a year. My last statement for XXXX was {$800.00} and I received a new statement for XXXX indicating my new balance was for {$910.00} and some cents. When I went to review the statement it indicated that they were charging me {$210.00} of interest and a promotional no interest was not paid in full. Home depot conveniently paid the revolving amount and none of my payments went into the no interest amount and I essentially am owing more than the purchase amount of {$650.00}. I have made continuous payments for over a year and even paid a late payment fee once since 2022. The person I spoke to in the credit card customer care indicated I had a way of allocating that towards the no interest promotion. There is not a tangible way to do that either on the phone nor is there anything indicating that on the statement I am looking online. Home depot 's management of payments is fraudulent and convenient to be able to charge more and not able to see what my payment is going towards. Very misleading and not worth having this sort of credit card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 79936
Submitted Via: Web
Date Sent: 2023-08-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-09
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: Good day, I received fruadalent charges from XXXX in XX/XX/XXXX I have been disputing the card charges with the company. they continue to add late fees and remove fees but the core of the issue doesnt gets resolved which is the actual charge of {$59.00} They have destroyed my credt scor by XXXX points, I have closed the account I continue to reach out to both Wayfair and CIti but the are not responding to the correction even when I received notification that the card company has completed the investigation and have come to the conclusion that the charges are fraud as of XX/XX/XXXX i have attacched the letter in this complant, but as of today the charges are still remaining on the account requesting paymenr. I like this matter removed from my credit and score.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 183XX
Submitted Via: Web
Date Sent: 2023-08-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-08
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: I attempted to accept a balance transfer offered by Citibank " 0 % for 21 months ''. The first time in XX/XX/2023 with a bad address for the bank holding my balance. Then again in XX/XX/2023 My bank didn't receive the payment check until after 30 days ( expired ). In XX/XX/2023 The attempt was Cancelled on XX/XX/2023 by Citi, reason not given. Upon receiving that notification, I utilized the offer extended to me by XXXXXXXX XXXX with " 0 % for 12 months ''. The balance transfer to XXXXXXXX XXXX was completed on XX/XX/2023. On XX/XX/2023 Citi did a balance transfer on that same account {$5000.00}. They had No authority to do so since They cancelled on XX/XX/2023. After several calls to both institutions my XXXX XXXXXXXX XXXX XXXX. I transferred the over-payment on my bankcard to my checking account and paid {$4700.00}. I decided to ease my debt burden by allowing myself time to repair over time at 0 %. None of this is fair. I can not understand how it is legal. I feel as though I was mugged in broad daylight and left to pay my assailant.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 338XX
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-08
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: Hi, I never apply for this card, they given to me to the store.I never read the information on the letter they send to meXXXX XXXX XXXX XXXX.Now after one year the charge {$890.00} for inters fee.Im on dXXXX I cant afford to pay the inters that I newer know.Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85382
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-08
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: To Whom it may concern regarding CitiBank Case # XXXX, Claim Number XXXX On XX/XX/2023, {$4800.00} dollars was withdrawn from our checking account without our consent. After calling Citibank as to how this had happened, it appears someone had walked into the Citibank in XXXX NY, a place neither myself or my wife had ever been, and withdrew the funds from our account via the teller. An investigation was launched we received a letter stating that the claim had been denied. We appealed the decision. I first went to the 1st police precient in XXXX were we live and was told that since the theft happened in XXXX and is a grand larceny case my best bet was to file a police report there. I went to the XXXX police department and filed a police report and then to the Citibank in XXXX to talk to the manager. He said it was good we filed the report because now we can subpoena the footage and the card reader device to see the card used. My card never left my wallet. I spoke to the fraud investigation dept again letting them know I had filed a police report with which I had emailed to XXXX. I had to keep making investigators aware of the emailed report since they never know anything about it. The agent I spoke to found the email and asurred me if would be sent to the agent investigating our claim. My take on what has happened. My card was going to expire at the end of XX/XX/2023, a new card was most likely sent in the mail but we had moved so the new card went the old address and was intercepted by a fraudster. How they were able to gain my pin I dont know, I can only ascertain they were able to reset it Online or via a phone call with Citibank XXXX Bottom Line they were able to reset the pin via CitiBank The agent I spoke to this time said this was new and good information and that he would pass it along to the investigator and I would here back via a phone call. I never heard back... so I called and was told we have been denied again for the same reason. I again called to appeal and added subsequent information that could be applied to the investigation and again was given lip service about the new and relevant information that could help and I would receive a phone call within 24 to 48 hours never receiving a phone call. 7 days later I received the same letter of denial only with a different date on it. its very obvious that no further investigation was ever done or is ever done. I have come to find out that Citi has a terrible reputation on reimbursing their customers that get scammed. We have been with Citibank for almost 30 years and have put millions into the bank via our paychecks and a home equity loan. The next step for us is to get a court ordered subpoena for the video footage and card reader from the XXXX NY CitiBank branch via the attorney general of NY State. CitiBank Case # XXXX, Claim Number XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX, NY XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-08
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XXXX I called the number on the back of the card to make an automated customized payment. The system overrode my voice and applied my total credit card balance of {$1800.00} when I attempted four times saying I wanted to customize my payment. The automated service then said my payment was applied. I called and asked how much was applied because I didnt authorize any payments at that point. This caused an extreme hardship for my family and I. It took every XXXX I had in my bank account. This caused NSF fees, and I had no money. I could not make payments on my other credit cards as a result I incurred late fees from them. This is an error on their system. It took them 15 min to grab my money but yet they are telling me I need to wait 30 days to get my money back. Depending on who I talk with at Citibank I get different answers as to when Ill expect to see the money back in my account. I was told I would get it back on Saturday XXXX. That never happened. I then was told I wouldnt receive it for 10 days. I still dont have the money in my account. This is extremely devastating to my family and I as this was my payday money. All gone in minutes because of their systems screw up. Their system didnt even verify the amount I was paying. I want Citibank to make this right with me as its been days that we had to go through without money and consequences occurred in our bank account and other issues financially occurred. Nobody was helpful. Not even at the corporate level. The CEO refused to take phone calls ad I tried for two days to get a hold of her. I spent the day yesterday from XXXX XXXX XXXX XXXX XXXX. trying to get my money reimbursed but I did not receive any help. When I called the dispute department they also told me this has happened numerous times before to others. How convenient for Citibank. Somebody needs to do something to stop this from continuing to happen. Because again, this has been devastating and has caused a hardship for my family and I. Which at this time we are still living without any money. They need to be penalized for this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 540XX
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-08
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: ON XX/XX/XXXX, I received an alert advising me I had a new credit inquire on XX/XX/XXXX from Citibank na, source XXXX. XXXX XX/XX/XXXX I called XXXX XXXX reported agency and explained that I had no knowledge and I did not apply for anything and was told by the rep that they nothing XXXX can do, that I had to contact the source, I called the number associated with the inquire listed on XXXX report XX/XX/XXXX and was transfer giving different numbers to called, I finally spoke to someone on the same day and was giving a little information after the rep put me on hold and spoke to new application, I was told that they were no new accounts and no new applications from me with my social security number, so there is no record of this inquiry on XX/XX/XXXX but it was reported to XXXX XXXX XXXX on XX/XX/XXXX. after speaking with muplie people the issues is not resolve and I am still left not know where and who and how it was reported.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08046
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-08
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: XXXX XXXX on XXXX stating that the name of the company is Citi Financial XXXX With a XXXX XXXX phone number of XXXX. I returned the call and the asked for me but by my past married name that I havent carried since 2012. I had a feeling it was a scam collector. Upon reverse look up, it is not attached to any legitimate business, the person said they were collecting for a XXXX XXXX which Ive never done business with, and read off my address that I lived at over XXXX yrs ago. Threatened to have the sheriff come arrest me for fraud after I asked for copies of the paperwork I signed to incur the debt as I have no recollection of any business between myself and the named company. Then proceeded to hang up.
Company Response:
State: CA
Zip: 95826
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A