Date Received: 2023-07-21
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: XXXX XXXXXXXX ( account paid in full every month ) XXXX XXXX Purchased XXXX XXXX XXXX XXXX XXXX XXXX at Home Depot XXXX, Oh The DISPUTE is over the homedepot.com employee 's error to exchange their damaged shower unit over the phone as it can not be done in the store since the shower base was installed. She entered different dollar amounts for damaged for the exchanged/replacement shower unit resulting being an overcharge balance due of {$140.00} on the current due XXXX XXXX, XXXX statement XXXX charge balance due : {$0.00} XXXX charge balance due {$1100.00} for XXXX XXXX XXXXXXXX {$750.00} and XXXX XXXX {$430.00} total {$1100.00} Paid in full check # XXXX XXXX charge balance due {$37.00} new purchases Paid in full XXXX online banking XXXX charge balance return shower regulator return CREDIT XX/XX/XXXX - {$100.00} purchase door rails XXXX with new balance = {$47.00} paid XXXX online banking = paid in full All good UNTIL... XXXX from Homedepot.com decides to exchange on her computer identical shower units- explained below entering the wrong dollar amounts. I called the XXXX store and XXXX said to return the panel to the store and they would reorder. I believe on XX/XX/XXXX I drove to the XXXX, Ohio store with a defective/damaged section. XXXX found out we could not order only one panel. After XXXX XXXX hours at the customer service desk working with employee XXXX through HomeDepot.com XXXX XXXX XXXX said let 's credit your entire shower unit ( as the base is installed ), and can not be returned with the damaged wall panel. Then we will charge you for the same unit and the same dollar price and send it to the house for no charge since the customer has had multiple damaged units. I agreed as long as BOTH prices ( original and replacement ) were identical and no charge for delivery to the house ( {$55.00} ). Store employee XXXX was with the entire XXXX XXXX hours. I was to take the damaged unit home. After the replacement was received I agreed to return all damaged/extra units to the XXXX store and again I paid XXXX with a truck to do so and XXXX the manager was notified and accepted the returns. I then received the XXXX billing and it was totally incorrect. Called the store on XX/XX/XXXX to find out when XXXX was working. On XX/XX/XXXX I drove XXXX min. to XXXX again when XXXX was working. For XXXX hours XXXX and I were on the phone with the bank of the Home Depot card and Homedepot.com trying to get this overcharge resolved. They did remove the {$55.00} delivery charge. However, Homedepot.com kept saying I was still owing other money ( for return/replacement that XXXX put on the account. XXXX statement amounts {$690.00}, {$750.00}, and {$55.00} and we struggled to understand the statement to find the credit ( XXXX ) and then the {$690.00} was put into no interest for 6 months! Which no one could explain to me. The shower unit was ALREADY PAID in FULL XXXX XXXX XXXX. XXXX did NOT do what she said on speakerphone to XXXX and me. I paid check XXXX XXXXXXXX {$47.00} which was the correct balance due =paid in full. XXXX charge balance is {$140.00} with my payment of {$47.00} AND delivery fee credit of {$55.00} with NO NEW PURCHASES. Before I left I filled a billing inquiry dispute with a very confused person at homedepot.com and have heard nothing This is me trying to figure it out : As the confusing statements had Home Depot employees were unable to figure it out beyond the error happening with homedepot.com I Paid XXXX- XXXX used {$750.00} charge exchange and ONLY my unit credit of {$550.00} = {$190.00} less {$55.00} XXXX plus int I owe nothing and have overpaid with my time and paying XXXX to pick up and return their damaged products. If you need hard copies let me know as I do not have a scanner to attach. Thank You.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 444XX
Submitted Via: Web
Date Sent: 2023-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-21
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 XXXX I used an XXXX XXXX credit card ( issued by Citibank ) to buy 2 tickets, total value of {$1900.00}. At the time of purchase I paid an extra {$250.00} to make both tickets fully refundable. Since the pop-up offering this option said nothing about fare conditions, I checked the fare rules ( supposedly legally binding ), which said that these tickets were refundable anytime. Both trips were cancelled well before the departure dates. But when I applied for a refund in XX/XX/XXXX, XXXX said the tickets expired one year after issue and would not be refunded. This was NOT disclosed when I bought the tickets. Since when does refundable anytime mean refundable only within one year? Does XXXX abide by its own fare rules? It appears they do not. At that point, I stopped making payments and disputed these charges, but got no useful response ( see dispute letter I sent and Citibank 's useless response ). I have also contacted XXXX XXXX about this matter, but they have refused to do anything to resolve this dispute, saying only that it is between me and Citibank. Now Citibank has filed a collection lawsuit against me, trying to force me to pay over {$2500.00} ( including an outrageous {$600.00} in interest ) essentially for NOTHING and threatening to ruin my credit if I do not. If they want to recover what they paid for the tickets, they should be suing XXXX, not me. This is ABUSIVE and this lawsuit needs to be withdrawn.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06880
Submitted Via: Web
Date Sent: 2023-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-21
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 reported 8 transactions for fraud, because I did not make these transactions. CIti however found me responsible for these transactions even though I did not place these purchases. Citi called me asked me 3 questions, and automatically made me responsible for them. I am requesting written documentation and proof from the merchants or vendors for these transactions. Also requesting written documentation and supporting documents from Citi on why these transactions are not fraudulent. Feels like Citi is just automatically assuming responsibilities on the consumers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92557
Submitted Via: Web
Date Sent: 2023-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-21
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 have registered a complaint few weeks back and still my issue is not resolved. With the credit card company I have informed it on the month of XXXX, for the transaction made on the month of XXXX, XXXX and XXXX. I have a bill of {$1300.00}. And all those transactions are fraudulent and tried to dispute it with my credit card issuer i.e. Citi Bank. They have disputed few of the transactions but not all, still {$1300.00} is yet to be resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VT
Zip: 052XX
Submitted Via: Web
Date Sent: 2023-07-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-21
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I was a victim of Hurricane Ian on XX/XX/XXXX. Pretty much everything I owned was destroyed & the whole city of XXXX XXXX, Fl was affected in some way. USPS was no longer delivering mail to my home community. On XXXX I purchased some supplies at Staples totaling {$73.00} using my Staples card, ( which is managed by Citibank ). This purchase was out of my mind until I received a ( XX/XX/XXXX dated ) letter from Citi on approximately XX/XX/XXXX that was forwarded to me by my former workplace to my new home in XXXX, XXXX. Letter stated I was past due, ( 1 ) owing them the {$73.00} ( stmt closing date of XX/XX/XXXX ) ( 2 ) late fee of {$29.00} & {$2.00} interest ( stmt closing date of XX/XX/XXXX ( 3 ) additional late fee of {$40.00} & {$2.00} interest ( stmt closing date of XX/XX/XXXX ) Total amount from 3 statements was now {$140.00}. I never received any of these XXXX statements due to this ongoing disaster recovery period. Upon calling Citi & explaining my situation they did delete the {$42.00}, but said they could not forgive the other late fee amount. At that phone call I submitted payment for {$100.00} ( per XXXX. # XXXX ). I requested they remove this late payment from my credit file due to my unusual circumstances ( have had this credit card since XXXX with a perfect pay history ), but they said it had already been reported to the credit agencies. I submitted a dispute to XXXX, XXXX XXXX XXXX that an amount of {$62.00} past due is still appearing on my credit reports. When submitting the dispute there is a choice of reasons why you were delinquent & mine was " Natural or Declared Disaster ''. ( federally declared disaster # XXXX ) Despite this, Citi has felt they could not retract this negative report they submitted to the credit agencies. I realize my dollar amount is small, but my perfect credit score ( was in the XXXX 's ) has now been blemished. I thank you for helping me get this resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46563
Submitted Via: Web
Date Sent: 2023-07-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-21
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Citibank has been calling 4 times per day, 7 days per week since before XX/XX/XXXX which is the furthest date back that my phone has recorded the activity. It has actually been much longer than that but the app will only record a certain number of incidents. The number they are using to call is ( XXXX ) XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60506
Submitted Via: Web
Date Sent: 2023-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-21
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 used my CitiCard to purchase a series of flights. Within a day, I found out I had been defrauded by an entity claiming to be XXXX XXXX ( they had cloned the website, but had a different phone number ). I notified CitiCard immediately to cancel the transactions, which they did. Then I found out that 2 of the flights that the defrauders had 'scheduled ' actually were real, i.e. they scheduled 2 real flights- the rest were bogus. I have since found out this is a known scam which utilizes resale organizations ( see XXXX ). I contacted CitiCard to cancel the fraud alert for those 2. Over the next several months, CitiCard charged me for all of the flights, sometimes doubly. Frequent calls to them could not resolved the issues - their phonelines had very poor quality ( XXXX? ) and none of my written correspondences were answered. In XXXX, XXXX I canceled the card and continued to try to resolve the dispute. I paid the balance while the dispute was ongoing so I wouldn't accrue late fees or interest charges. Their only written response is to say that the charges are valid because I authorized them. In XX/XX/XXXX I started receiving robocalls from them that I had an overdue balance. It was from an erroneous charge by XXXX XXXX to renew my membership. That problem took another 2 months to resolve and I again asked them to close the account. Now they are asking for another {$520.00} related to the original fraud issue saying the charge is valid. I was never able to use either of the valid tickets, since CitiBank canceled the transactions, so I got stuck in a city far from home and had to pay a significant amount just to get home. CitiBank never investigated my claim- the fraudulent phone number and website info would have confirmed my claim. They never provided me with the true identity of the fraudsters which would have allowed me to open an investigation with the FTC, DOT, or FBI.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94602
Submitted Via: Web
Date Sent: 2023-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-21
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Macy 's XXXX XXXX XXXX is the worst card to ever be made in the history of call credit cards. Many people on the island of XXXX and I'm sure many other users HATE THIS CARD HAVE BEEN TRYING TO CLOSE IT DUE TO THEM REPORTING THAT CONSUMER 'S MADE LATE PAYMENTS WHEN THEY DID NOT. They are the ones that TAKE PAYMENTS LATE AND DO NOT POST THEM RIGHT AWAY. MANY TIMES THEY HAVE TAKEN OUT MY FUNDS DAYS AFTER I HAVE PAID!!!!!! THEY ARE THE WORST AND THEY NEED TO SERIOUSLY REMOVE THOSE LATE PAYMENTS THEY STATED IN 2022 WHEN THEY ARE NOT TRUE!!!!! I HAD A JOB THAT TIME SO THERE IS NO REASON WHY I DIDNT MAKE THOSE PAYMENTS!!!! TERRIBLE REPORTING!!!! GET IT OFF MY CREDIT REPORT AS IT IS AFFECTING MY FINANCIAL HEALTH AND I AM NOT ABLE TO GET ASSISTANCE EVEN DURING XXXX NATURAL DISASTER DECLARED BY FEMA!!!!!! THIS IS TERRIBLE!!!!!! GET RID OF THIS NOW!!!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GU
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-21
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have a credit card with Citi. Some months ago, without notice and without a significant change in my credit report they reduced my credit limit from XXXX to XXXX, while my debt with them at that time was about XXXX. That affected my credit report seriously, in the middle of the acquisition of a car and in the process to move to a new apartment. Never have had a late or overdrafts. I contacted them without any solution. Now, many debt was about XXXX for interest charges. Last week, the same day, they reduced my credit limit to XXXX and then, a copule of hours later they increased to XXXX again. Yesterday they reduced again to XXXX and put me in overdraft, an overdraft that was not mine, since I was inside my credit limit. They said my credit report dropped down, and actually was the contrary, it went up for XXXX points! That, again, affected me enormously and reduced my credit report in more than 25 points. Again I contacted them and now they say that I have to wait more than a month for an answer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90023
Submitted Via: Web
Date Sent: 2023-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-22
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I received an ALREADY ACTIVATED credit card from Citibank through their Home Depot advertising -- after I have already told Home Depot to not send me any thing like this and cut up their previous card in front of them. Home Depot stated that they cancelled my card last time and removed my info from their records. XXXX, Citibank supervisor in Idaho, states that Home Depot could not have done this. So, Home Depot lied. When I got this mailed second card, I FINALLY got this second card cancelled today, after 45 minutes of their phone reps hanging up on me. I did not ask for a credit card. I did not fill out info from Home Depot to receive a credit card. This action by Citicard and Home Depot messes with my credit score and my personal financial information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85086
Submitted Via: Web
Date Sent: 2023-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A