Date Received: 2024-02-18
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: Some purchases were made for {$100.00}, {$420.00} and {$89.00} and all were returned to the Best Buy store and they issued their receipt and the credit to the Citibank Best Buy Credit Card is recorded, but said amounts have been in the state for more than 5 months. account and the bank and the store blame each other and no one has removed said amounts and they continue to bill me for them on the account statement, Correspondence and chat have been sent with support from the store and the bank and nothing that resolves and they close the disputes and without effect. The Credit card is only for purchases at Best Buy
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34238
Submitted Via: Web
Date Sent: 2024-02-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-18
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I purchased an all-in-one washer-dryer Combo on a Best Buy Credit Card by Citibank in XXXX of XXXX. In XXXX, it could not be delivered and was returned to the store. I have not credited back the charge of over {$2700.00} with 24 months of XXXX interest. When I finally made it to the store in XXXX XXXX and received my credit back, I decided to shop and look for a different washer that would fit my specifications ; this ended up not being a combo washer, and was a lot less money, closer to {$900.00} ; however, I was still able to get the deal of 24 months XXXX interest financing. After I bought my washer, about 4 days later I started receiving phone calls that my bill was late. I spoke to the representative and stated I had just bought my washer and it was not yet delivered yet, how can I owe a bill? The representative did not help, I asked for a supervisor and all I was asked repeatedly was when I was going to make a {$70.00} payment. If you do the math {$70.00} a month will have my washer paid off way before the 24months and that isn't correct for a minimum payment on the new charge There should not have been a bill due until XXXX. Since then I have not received a phone call from a supervisor like I asked to review my case and correct the issue. I have received 3-5 phone calls and voicemails daily from Best Buy Citibank about my past due bill, they have also charged fees for lateness and collection. I have no problem paying for what I purchased but they need to be fair in lending practices and charges as well as the harassment of phone calls 3-5 times a day. Why are they not following the XXXX rule? They are only allowed to contact 7 times in 7 days.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 61244
Submitted Via: Web
Date Sent: 2024-02-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-17
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: On or around XX/XX/XXXX I had applied for a Goodyear Tire card thru XXXX in which CitiBank is the provider. I had received an adverse action letter dated XX/XX/year> which stated that I was denied due to Insufficient number of accounts. So I looked up the term Insufficient number of accounts in which it stated : you don't have enough credit accounts on your credit report to meet that lender 's qualifications. I tried to contact CitiBank for a reconsideration after I looked at the credit report that they pulled from which is XXXX. Citicard does not have any way to reach an application manager for a reconsideration. I believe CitiBank adverse action letter is incorrect due to the credit report that was pulled from XXXX which shows 40 accounts in good standing along with over 5 years of average history. to me that doesn't not seem like a insufficient number of accounts.
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: 2024-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-17
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 dispute the charge amount {$170.00} cause it was not recognized and the company after several requestes removed it then added back in Charge XXXX amount XXXX date XXXX needs to be removed cause its not recognized I called several times regarding this issue I spoke last with rep XXXX dept of early prevention fraud who he was extremely sarcastic just like most reps in that company. He did not resolve the issue and he is aware of the issue.mcharge is on the acct ending in XXXX business account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 333XX
Submitted Via: Web
Date Sent: 2024-02-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-17
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I had a credit inquiry submitted that was made without my consent. This occurred on XX/XX/2024 and it was done through Citibank / Best Buy. I was no part of it so this is fraud. I have placed a security alert on my account but need to get the inquiry taken off my credit record since it was not authorized.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 73159
Submitted Via: Web
Date Sent: 2024-02-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-17
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: In XXXX or XXXX ( not clear ) my citibank card expired, and they never sent me another one. I realized after going online to pay, that they had actually frozen my ability to use the account. At that time, they said I had to keep paying, and it appeared as if I had credit available, but they never sent me a card to use or allowed transactions to take place online. Since then, I have been locked out of the online account so I have not been able to see the status of my account. I also have not received ANY statements, until last month when I received a mailed letter dated XX/XX/XXXX that said I had until XX/XX/XXXX to make a payment or the account would be referred to collections. I tried calling today ( I only received the letter in the mail this week ) and I was shipped from agent to agent and ultimately hung up on. I was going to make a phone payment to avoid collections. For more than a year, I have been trying to gain access to my citibank credit card account online in order to make payments and track the account status. In XXXX of XXXX, I set up a series of automatic payments, but they did not go through. In XXXX and XXXX of XXXX, I had to make a large payments to stay active, but I was never able to access the account online. The company has been playing games with access to my account information, they have not communicated with me about the status of the account, and now my credit is suffering! I am current on every single other account I have. This is a total nightmare and seriously damaging my credit! Please help me get Citibank to respond and take ownership in their role evading my attempts to make payments!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20009
Submitted Via: Web
Date Sent: 2024-02-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-18
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/XXXX i canceled a service well before the contract specified time. I provided an email to the company of my request and disputed the charge through both Credit Cards I used for the purchase. The first immediately resolved the dispute. Citi did not. XXXX is the dispute number. On XX/XX/XXXX they sent me an email that went to my spam folder requesting additional documentation. Since I didnt see the email, I did not know until they closed the dispute on XX/XX/XXXX when I had to log into the Citi application to see the dispute was denied. It said I could request to reopen the dispute, which I did on XX/XX/XXXX and included the requested documents. On XX/XX/XXXX I received a thank you email from XXXX for providing the documents. On XX/XX/XXXX I resent the documents and requested confirmation of receipt with no response. On XX/XX/XXXX I received another thank you email from XXXX for the documents. On XX/XX/XXXX I received a request to provide the sales contract I was canceling, which I had already sent XX/XX/XXXX and XX/XX/XXXX. I also attached the cancellation notice I sent to the merchant. On XX/XX/XXXX I resent the documents by email and requested the mailing address to send the documents to. My request was again ignored. On XX/XX/XXXX I called Citi to speak to a representative. The representative confirmed all the requested documentation was present and requested the dispute be reopened as it was closed again with no explanation. On XX/XX/XXXX I also resent the requested documents and requested a mailing address. My request was ignored. On XX/XX/XXXX I sent another email requesting status and a mailing address. I am waiting for a response and I will send an email every day requesting the mailing address and including requested documents to prove I did my due diligence while Citi did nothing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80910
Submitted Via: Web
Date Sent: 2024-02-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-18
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: I received a promotion offer in my mailbox and applied for the Citi Double Cash Card online. I successfully obtained and activated the credit card, but when I tried to add it to my XXXX XXXX account, I was prevented from doing so. The reason given was that there had been suspected fraudulent activity on my card, and further verification was required. I contacted customer service to resolve the issue but was informed that they were unable to use my phone number or email address for verification purposes. The only option offered to me was to receive a letter through the mail. I explained that I was in the process of moving from XXXX XXXX XXXX and that I would not be at my old address to receive the letter before I moved. Unfortunately, I was told that there was no other way to verify my identity. After I moved to XXXX I contacted customer service multiple times, but each time I was told that the only way to verify my identity was by sending a letter to my old address. This has created a problem because I am unable to use the credit card, update my address, or close the account. The credit limit of {$1500.00} is still tied to my name, which is negatively impacting my credit score. There are no nearby branches in XXXX so I can not resolve the issue in person. I have tried multiple times to fix the problem by calling customer service, but they have been unable to help me other than by sending the verification letter to my old address. Unfortunately, this is not a feasible solution since I can not go back to retrieve the letter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77840
Submitted Via: Web
Date Sent: 2024-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-17
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I have a closed account from Citibank on my credit report with a balance on the account. I do not even have a card with this company anymore. I have tried to call Citibank several times since XXXX of 2023 to get this resolved numerous times Im not sure why the account has a balance since the account is closed the balance is XXXX dollars about to be 90 days without being pd but this balance is not my responsibility. This account is closed. This balance is not my responsibility as the account is closed this is their error and they keep saying its fixed yet every month its showing up on my credit report looking unpaid like its my balance abd responsibility Ive also disputed this to the credit bureaus but to no avail. I continue to call Citibank every week almost to get this resolved. They tell me allow time for it to be resolved and it still is not. This is messing with my credit score Ive asked them to remove this several times and have reported this several times to the three credit bureau agencies and this still is not fixed or removed from my credit report. I honestly dont t know what to do anymore as this keeps going in circles since XXXX of 2023.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 196XX
Submitted Via: Web
Date Sent: 2024-02-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-17
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: CBNA account XXXX In according with the fair credit reporting act XXXX account # XXXX, has violated my right. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 799XX
Submitted Via: Web
Date Sent: 2024-02-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A