Date Received: 2023-07-26
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 will try to include as much as I can, however the original XXXX account that was used to file original fraud claims, dozens of follow up emails, reference numbers, etc was closed down when whoever hacked my entire phone, IP and apple wallet realized I was filing fraud claims with all my accounts and cards they hacked so I had to start a new email address ( the one used to file this complaint ). I have worked for my employer for over 20 years and have had a corporate card through them for at least 15 years, NEVER EVER had fraud issues, not once. These hackers maxed my corporate card OUT, hacked 2 bank accounts of mine AND opened an XXXX card in my husbands name and maxed that out as well. All within a 4-6 week window. Every single company confirmed fraud against both of us EXCEPT Citi. I am at risk of losing my job over this, experiencing medical and mental health issues as a result of this stress. They wont even allow me to move these fraudulent charges off my corporate card and at least to a personal bill until I can engage my attorneys to try to resolve this. Im literally beside myself, if I lose my job, which is going ot happen very soon because of this I will be filing legal action against them and I have already identified hundreds of other fraud claims against this company where they absolutely refuse to do anything about innocent people being taken advantage of. Im including an attachment with as many details as I could locate, confirm or recall. This has literaally been going on since last XXXX. I have already spoken with a private attorney who is willing to take on my case and has stated I have a very strong case. Our cell phone company already admitted employees were caught selling customer IP addresses. Every card that was hacked of mine was in my apple wallet. I just placed this new corporate card in my apple wallet as I was leaving for a business trip within 2 weeks of it arriving. I can not believe they put customers through this. Especially when its a corporate card of an employer of my size. Even our directors have advised this is going to severely hurt their ability to remain a provider of corporate cards for them in the future if need be. Ive also attached all confirmation letters from other companies confirming and removing the fraud that all happened within the same timeframe. As well as screenshots of all the fraud emails and NONSTOP DAILY calls I started receiving after this all occurred. My entire phone profile, IP, etc was cloned and Im still sorting out this nightmare. These crooks used my CORPORATE card to max it out on stupid VISA gift cards, they cant clearly track where these gift cards were used to see it WAS NOT ME?!?!?! This is pure insanity, and I will literally continue to fight this for the rest of my life, especially if I lose my job in the next 30 days. I will go to national news outlets, whatever it takes so this never happens to someone else again!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 18411
Submitted Via: Web
Date Sent: 2023-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-24
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I received an offer from Citi bank to open a checking account with them and I would receive XXXX bonus miles if completed within 90 days. I opened my checking account on XX/XX/2023 and completed all the requirements to receive the highest amount of XXXX miles within 30 days after opening. To this date I have yet to receive anything into my XXXX XXXX XXXX account XXXX have attached screen shots of the offer to confirm.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94087
Submitted Via: Web
Date Sent: 2023-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-24
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I have received multiple offers ( via email and online via my Citi Account ) to take advantage of Citi 's Flexpay 0 % APR promotion with XXXX in the month of XXXX but am unable to do so. I have called multiple times and spoken with many customer service representatives to get this resolved to no avail. The timeline of my contact with Citi is as follows : - Called on XX/XX/XXXX ( first day of the promotion ) and spoke with several representatives who opened a ticket to escalate the issue. They said it will be resolved in no more than 5 business days, and they also filed a complaint and said someone would reach out to " make it right '' - Called on XX/XX/XXXX since the issue was still not fixed after the 5 day period. Was told they were still working on the issue and to wait another day or two. - Called on XX/XX/XXXX. Spoke with a XXXX Account representative who said there is also nothing he can do and that I needed to simply wait until the technical team got to the issue and looked into it. He said there was no way to further escalate this and they " might be backed up. '' At this point it seems very likely this will not be fixed in XXXX I will miss this entire promotional offer. My wife and I just moved and needed to buy a lot of things to get our new house ready so I was counting on using this offer, and now I can not. I am appalled by how slowly this is being fixed and am extremely upset that we planned some of our financial decisions around a promotion which was falsely advertised to me. Citi has done nothing to attempt to make this right and make up for a mistake that is clearly on their end, and I will be seriously reevaluating my financial relationship with this company going forward.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 81401
Submitted Via: Web
Date Sent: 2023-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-24
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: Back in XXXX, I purchased an airline ticket to XXXX ; the airline later went out of business without giving us back a refund, I contacted Citibank immediately informing them and requesting money back, they requested additional information provided me with a fax number where I could send thee documents I did, went on my trip. Upon returning I realized I haven't seen the credit so I contacted them only for them to say the wrong department number was given to me and they haven't received the documents. They provided me with said number. I asked for the now correct number which they give only for them to say after receiving the documents again that I am now outside of the time to file for a dispute {$1500.00} On XX/XX/XXXX, I purchased 2 tickets for XXXX my brother 's wedding stayed at XXXX XXXX XXXX. One room 3 adults, I should receive 2 beds, I received only one. They knew this at the front desk and assured me that this will be rectify shortly if not first thing in the morning. The morning came, I went back to the front desk they told me they are fully booked and didn't have any other room with two beds to move us to but will work on it before the end of the day. The end of the day came, nothing. The following morning is the wedding so I had no time to stop by the front desk. Suffice to say, at this point I'm still inside the room with one bed 3 adults. The place was infested with roaches, smelly carpet etc it was an awful experience and they mess up my vacation. I provided city with this information to city, they credited me at first then reverse the charge and now I'm stucked with a $ XXXX charge with ton high interest rate I'm not working and I'm a XXXX mom. I'm in distress.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07111
Submitted Via: Web
Date Sent: 2023-07-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-24
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: On XX/XX/2023, I applied for a new credit card from Citi Online. At the application window, it promised me that I was approved for a {$14000.00} amount. It also showed that I was instantly approved for {$3500.00} and the remaining will be approved in 17 days. As of XX/XX/2023, way beyond 17 days, when I went to check my credit limit online, it shows that I was only approved for {$3500.00} and not a XXXX more. Citi promises to show you at the approval and application window for getting higher limit credit approval to get you to sign up for the Citi Diamond Preferred Credit Card and then do not deliver on those promises ( false advertising of showing higher credit limit approvals ). Nothing drastic has changed on my credit score or anything for this to happen.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2023-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-24
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 XXXX statement, there were charges of {$39.00} and {$4.00} that I had not made, from an entity with which I was unfamiliar. I called the credit card company and was told to call the charging entity. I did and the credits were made in the amount of {$39.00} and {$4.00}. My XXXX statement included another charge for {$39.00} from the same entity. Again, I called the credit card company whose representative closed my account, issued a new new account and assured me the charge would be credited which it was on the XXXX statement. The XXXX statement, however, showed a reversal of the credit, resulting in a charge of {$39.00}. Since then I have made XXXX telephone calls and been assured that the charge would be eliminated which has not happened. I have also sent two letters. Each month finance and late charges are added. Since XX/XX/XXXX, I have received XXXX telephones calls from the company, XXXX on one phone and XXXX on another.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ID
Zip: 83706
Submitted Via: Web
Date Sent: 2023-09-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-24
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: This was a credit card application to XXXX XXXX Bank in XXXX XXXX not bby me but by somebody else. The Bank replied to me saying that " The submitted application has been determined to be suspicious or potentially fraudulent? '' somebody using my information tried to do that, what would they need to try that? my social security number? I have lost almost {$100000.00} dollars to fraud by different people. Namely, XXXX XXXX, XXXX XXXX and another man called XXXX XXXX. These people have a syndicate operating out of XXXX, XXXX and I believe they have caused fraud to other people also. My XXXX XXXX had {$20000.00} charged to it and they said it was fraud by XXXX XXXX. Other credit cards of mine also have been charged thousands of dollars along with phone purchases from XXXX XXXX XXXX that I am now having to pay off. Thank you for investigating this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94952
Submitted Via: Web
Date Sent: 2023-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-24
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Fraudulent charges were made on my Home depot Credit Card due to the fact that Home Depot sent out activated credit cards, unknown to me, that apparently someone retrieved, due to the fact that I never received them. These transactions took place between XX/XX/2023 and XX/XX/2023 at a variety of Home Depot Stores. The amounts were : {$720.00}, {$640.00}, XXXX, {$2700.00}, and {$10.00}. I immediately called and reported the fraudulent charges, not once, but twice, to the customer service number on the back of the card, as soon as I discovered them. I identified each charge that was not authorized by me. I was told that an investigation would follow. I provided all the information I had at the time. I identified which charges were fraudulent and also identified that the card number used was not the card I have in my possession. I was told that Home Depot chose to send out additional cards with different account numbers that were tied to my account without my solicitation or knowledge. As I mentioned above, I was never contacted to provide anything additional. I provided all information that was requested of me at that time. In addition to the above findings which are not supported by facts, there are other things to consider. These additional cards were not solicited by me. I had no knowledge of their existence. They have numbers that are not the account number that I regularly use. They are not the card I use and have used for years, the only card. From my conversations with 2 customer service representatives, Home Depot arbitrarily decided to expose me to fraud by sending out active credit cards that anyone could obtain and use without my knowledge. Even the card number you referenced in you letter is not one that recognize or have ever used or possessed. The single card I have, and the only card I have ever used, and is in my possession ends with... XXXX. I have also discovered that Home Depot, without my knowledge, authorized 3 additional cards unknown to me, and never received by me. These are ... ( last 4 digits ) XXXX, XXXX, and XXXX. Home Depot Credit, as an investigative body, are privy to more information than I can provide. I assume you have access to the receipts in question, which I have also obtained, that show the location, date, and specific time the purchases were made. I also assume, since Home Depot requires a signature, that you have copies of those, and should be able to compare. I would also think that Home Depot has video of the cashier locations, that you have access to, that could identify the culprits. Have you utilized these things that are at your disposal? Home Depot also has information as to my purchase history, purchase locations, and types of purchases. Certainly it should be easy to see that the multiple locations, types of purchases, and card used is not consistent with my purchasing pattern, and the needs of a XXXX year old man. These purchased were made at a series of different locations not relative to my resident address or where I typically do business. I would think you would also find it suspicious that I purchased this multitude of items not only at several different locations, but did it all in a 5 day period. This seems very consistent with fraud. I also filed a police report on XX/XX/2023 with the XXXX XXXX XXXX XXXX. Case # XXXX. I provided them with copies of the receipts for the fraudulent charges which showed location and time of purchase. As of this date the claim is still open. Once again, it should be obvious these are fraudulent charges. The fact that Home Depot issued multiple cards in my name, each with a different number, unknown to me, is in itself irresponsible and invites this type of activity.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ID
Zip: 83401
Submitted Via: Web
Date Sent: 2023-07-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-24
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have been using Citi for a joint checking and savings account. We receive a direct deposit from one source that being the city of XXXX XXXX police department. Recently receiving a retro check from the police department negotiating and settling on a deal. That check being over XXXX. Over the last few months it has been a struggle financially paying bills. Behind on a lot bills needed to be paid and some shopping as well. I verified everything through Citi, who never even sent an email regarding fraud. I called because an XXXX dollar transaction failed, to be told my account was restricted and was hung up on. I verified my identity three different times. I used my card earlier today, with no problems. When I first opened the account I had multiple Citi employees hang up and tell me I wasnt me until I went into a branch where they could see I was myself with the same number in front of me. I just want then to unrestrict my account so I can take my money and start a new account elsewhere because this account clearly isnt working for me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11746
Submitted Via: Web
Date Sent: 2023-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-24
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Creditor Information CITICARDS CBNA XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX Within the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to ensure my private information is indeed kept private and isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' CITICARDS CBNA is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' CITICARDS CBNA the financial institution and the ConsumeXXXX reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, CITICARDS CBNA whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' CITICARDS CBNA never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. CITI CARDS CBNA also never credit my account for the certificate of indebtedness. The IRS also claims I am supposed to receive a statement every year because it is considered income, and I never received the necessary forms to do so. CITI CARDS CBNA did not credit my account via the Electronic Funds Transfer Act on the interest from the dividend payments they made off my treasury coupons. CITI CARDS CBNA is listing my payments as late which is violating 15 USC 1666.B for a open ended consumer credit plan. 12 CFR Part 1026 states Truth in Lending ( Regulation Z ) which protects people when they use consumer credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53208
Submitted Via: Web
Date Sent: 2023-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A