Date Received: 2023-07-25
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: New complaint with evidence I opened account that was targeted to me to receive XXXX bonus XXXX emailed XX/XX/22. Citi bank has poor communication skills and does not respond to clients in writing to confirm all details but phone records will show I was targeted and confirmed to receive bonus. Citi is smart to not send critical information so they can escape culpability for their errors and mistakes but I was emailed I was confirmed to receive XXXX dollars if promotion was met which it is was dutifully! I followed all directions including directions of verification of account that was never stated when opening! Citi bank is fraudulent! I want my XXXX dollar bonus I earned asap! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX or listen to our phone calls. She confirmed I met qualifications. Please stop lying about this situation. If you listen to the phone call on XX/XX/22 I confirmed I was eligible and targeted with that bank rep prior to opening.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32825
Submitted Via: Web
Date Sent: 2023-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-24
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I have a checking and saving account with Citibank and I live in NY. I was vacationing with my family in Maryland, Washington State and Viginia. I use the checking and saving account through Citibank as my only source of income. The bank however on XX/XX/23 blocked my account without notice via text or call, I called the bank and I was informed that it is possible suspicious activities on my account. The representative who appeared to be working from remote in another country verified all transactions with me but still told me my account will remain blocked and I have to wait for the bank to send a new debit card to my home. I was left stranded in another State with no access to funds to return home. I had to borrow money from an individual to bring my family back to new your and also cover other expenditures. I had no access to my own money. I made efforts to speak to a supervisor and did not receive a call back. This is unfair to me. I had no access to my own money I worked hard for. There was no consultation with me prior to blocking the card. There was also no communication with me around what or any merchant that may have compromised the security of the card. There was also no resolution to my issue regarding access to any funds to help my family return to NY.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11413
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: In the beginning of this year ( XXXX ), I noticed a {$55.00} charge on my Macys card. I only use my Macys card for Macys purchases because of the rewards for Macys dollars. I had not used this consistently for a while. I knew this charge was not made by me. My wallet was stolen in XXXXbut I had reported this card stolen the day it was stolen in XXXX of XXXX ( XX/XX/XXXX ). This made no sense to me. I called immediately and reported fraudulent charge. I did not know what transcentra payment meant and was not familiar with the charge. I was assured in 1-2 billing cycles the charge would come off, I would not be responsible for anything, and no fees would incur. Weeks later I notice the {$55.00} is increasing and theres late payments. I assume to just wait it out. It increases more and more. I receive something in the mail saying I owe money. I call Macys. Im on the phone for 2 hours, repeating my story to 3 people. One lady tells me to call back in an hour. She doesnt want to deal with it. The next lady says to email Macys fraud department proof of fraud. She asked why it took me a year to report this. I said the charge is showing up for XXXX, what do you mean it took a year? She says the charge was made at XXXX XXXX XXXX in XXXX on XX/XX/XXXX. I said XXXX is where the thief lives ( she was caught by the detective last year ) ; in addition, I dont go to XXXX because it is not a safe town, and I had reported this card stolen on that date. Also, why didnt this charge show up then? Why is it showing up a year later? And why didnt I receive anything in the mail until I had reported this? I email the fraud department emails between me and the detective. It has a photo of the girl who stole my wallet and dialogue between me and the detective, saying she was from XXXX and it had the dates as well. I asked to close the account ASAP because this company was treating this like a joke. Assuming this would suffice, I waited. Some time later, the money owed is increased to {$170.00}. My credit score dropped from XXXX something to XXXX. I am looking to get a mortgage this year so I became very nervous. I received a letter in the mail saying that this was not fraudulent and that I owed money. I paid the fees because I didnt want my score affected further. Macys was dragging their feet and I couldnt rely on them. I would figure this out later. I call 2 weeks or so later when I had time, knowing this would take forever. I was on the phone another 2 hours. They refused to give me a manager. He said he had multiple tabs open trying to figure this out. I said I needed to be refunded and I needed this reported as fraudulent to fix my credit score. He gave me wrong dates and numbers. I asked specific questions about the date of the charge, place of the chargeetc. I was told XXXX XXXX XXXX in XXXX XXXX. I repeated this was the date I reported my card stolen and was where the thief lived. No one could answer why I got nothing in the mail for a year and why nothing showed up on the account for a year. He said I reported the card stolen two days after the girl got caught.I gave him the exact dates and said thats not possible. He said he could refund me the {$31.00} late fees {$41.00} late {$2.00}. I said I paid {$170.00}. I want this refunded. He said he would refund the fees for now and I could speak to a credit specialist. He has not refunded these fees. I have his employee number. He gave me the wrong number to the credit specialist after assuring me 3 times it was correct. I knew it would not be, so I kept saying are you sure. The credit specialist tries to help me ; she says her computer is freezing from all of the notes. I had to repeat my story again. She says I will conference you in, please hold. Im on hold for a while. Then, it says Macys survey and it hangs up. I wait an hour for them to call back because they have my number. No one calls back. I call again and she says they close in 30 min and the manager is away for 2 days. I said I need this reviewed and this is not okay. Her name is XXXX. She says manager will call back in 10 days. It has been 10 days and Ive gotten no call. In addition, yesterday I received a letter from Macys digitally stating they havent received my payment, please send proof of payment via fax.Is this a joke? I am very frustrated with the incompetency and can not believe this is how Macys AMEX is handling everythingI am uploading as much as I can but most things were handled verbally for HOURS, wasting so much of my time and energy and creating so much unnecessary stress.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 074XX
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: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: did not informe me my card would expire for non use
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 763XX
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: Managing an account
Subissue: Problem accessing account
Consumer Complaint: On XX/XX/XXXX, I found out my account has been suspended ( blocked ) when I was tried to make a purchase with my ATM card. I immediately called them and I was told by Citibank representative that, they can not provide me with no information I would have to wait for a letter which has a code that I will submit to them for verification. After a week from the suspension, I went to the Citibank branch and spoke directly with the representative who had open the account for me on XX/XX/XXXX. Her name is XXXX at the : XXXX XXXX XXXX XXXX , XXXX, VA XXXX location. XXXX called customer service and she was told the same thing which is to wait for the letter. Today is the XX/XX/XXXX and am yet to receive the letter. This is my only account and the same account all my bills comes out off. I have also exhausted all ways of borrowing funds to sustain. My cell phone was disconnected today due to not paying my bills and the rest of my bills including my mortgage payment is due this Friday. I need help and I do not know what to do.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 20155
Submitted Via: Web
Date Sent: 2023-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-22
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 XXXX I purchased a starter motor from a very large, reputable, vendor for {$140.00}. The starter motor was returned back to the vendor on XXXX XXXX XXXX XXXX My dispute I.D . is XXXX For months the purchase had not shown up on receipts or invoicing leading me to believe it was a false charge/error. I paid my account up and closed my account with the outstanding balance of the {$140.00} due to their inability to rectify the situation. On XX/XX/XXXX a refund from a company was posted to the account for {$140.00} and they refuse to pay me that balance. They contine to charge late fees and intrest and I want this resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30060
Submitted Via: Web
Date Sent: 2023-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-22
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: Today, XX/XX/23 at approximately XXXX MST, I called Citi bank XXXX negotiate a settlement payoff on my account ( a closed account that was originally through a XXXX XXXX where I obtained car services. One day the dealer told me they no longer offer credit through that creditor and so the account was automatically closed leaving me with a balance due and no available credit opportunities ). The balance due is currently {$650.00} and they refused to negotiate a settlement amount with me. They said the only option was to continue with payments to avoid fees. The call is on a recorded line and should be referenced. My intention was to avoid bankruptcy, maintain/improve my credit, and to be able to pay the debt I owe to the creditor. I mentioned that we have a recent financial hardship and that due to flooding in the home, our tenants moved out and we have been struggling to pay all of our bills since the flood damage and loss of renter income. I asked the Citi associate if there was any other options that Citi could offer. I mentioned that I had other Citi accounts and that this one seemed like the one that I could try to pay off first to be able to get some momentum to pay off the other larger accounts. I asked for a final settlement payment of {$400.00} but was met with near silence regarding my proposal. I asked if there was another department that could help me if it was not within her authority to negotiate and she said there was no other department that could help me. As a consumer trying to pay off my debt vs. file for bankruptcy or be forced to use a debt consolidation company, who negotiates with creditors on borrowers behalf, I feel as though Citi was not willing to work with me, nor did they offer any viable solutions. The associate simply said that I wouldnt get fees if I paid my bill on time. Thats obvious and almost ridiculous to say as a solution. She also said that if I make my payment on time and even pay a bit more that it wouldnt be that long before I pay off the debt. After paying {$81.00} by XX/XX/23 then may minimum payment is $ XXXX which means it would take me an additional 21 months at a minimum payment to pay the debt. Citi is more comfortable with me paying $ XXXX for nearly two years vs. negotiating with me on a final payout which would allow me to pay off my other Citi accounts better ( bring them current and make consistent payments ). This is not very motivating for me to NOT use a debt relief company or file for bankruptcy. How can debt consolidation companies settle on consumers behalf but the consumer can not successfully achieve similar outcomes on their own?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-22
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: got a balance transfer in XXXX. periodically when i pay large sums they post those amounts to the balance transfer rather than the balance running at the regular interest rate. i contacted them in XXXX about it, and they adjusted a couple of the interest charges, but didn't change the proportion of balances at the transfer rate vs not. for my XXXX statement they have again put over XXXX XXXXXXXX of my payments improperly onto the balance transfer rather than my regular purchases. their customer service seems clueless ( repeatedly saying " I hope you understand my limitation '' without actually clarifying their limitation ) unwilling to help, and keeps referring back to " the system does it '' and " that's the policy '' even when they didn't even follow their own policy. as with last time, they offer to refer my complaints to " the team '' but that resulted in nothing. i had to actually pick up the phone to get even the interest charges changed last time, which doesn't address the fact that the wrong balances are getting paid off.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NM
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-22
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act the homedepot/CBNA, has violated my rights. 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 a open end consumer credit plan as late for any other purpose
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I disputed the XXXX balance on the XXXX XXXX XXXX XXXX because it was open fraudulently. And they have yet to remove it from my credit profile. And I also disputed a XXXX balance with Macys because it was open fraudulently as well.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 275XX
Submitted Via: Web
Date Sent: 2023-07-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A