Date Received: 2023-07-20
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: The bank blocked my account telling me to wait for them to close the account and my money is in my account and they wont give me any money. I have at least {$1800.00} in my account Ive called them many time Ive went to the branch and nobody can tell me anything and I cant withdraw from this account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10032
Submitted Via: Web
Date Sent: 2023-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-19
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Citibank Mastercard increased the interest without warning. They are charging extremely high annual percentage rates and interest, I will never get a chance to pay my credit card bill off. I have been with them since XXXX and my credit score is over XXXX they are clearly taking advantage of me. I'm paying them more than the credit card itself. *********PLEASE NOTE *********** I DO NOT USE THE CARD JUST MAKING MONTHLY PAYMENTS HOW CAN I PAY THE CARD OFF WHEN THEY STEAL XXXX XXXX PER MONTH ( APR 24 % ) WITH GOOD CREDIT, I HAVE NEVER BEEN LATE, THIS IS RIDICULOUS. I feel scammed. Please investigate this matter asap. XXXX XXXX XXXX NAME - XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20744
Submitted Via: Web
Date Sent: 2023-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-19
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: Best Buy credit card by Citi bank. I was very clear. I asked for a confirmation of debt. The only legal form of confirmation of debt is wet signatures. I do not want a bill, statement volcher. XXXX XXXX XXXX will get a lien on her surety bond. My name is not XXXX XXXX spelled like this. This means dead person. I am not the XXXX. I am thinking about arbitration to see your books. Banks can not loan money per money modern mechanics. XXXX. Banks take people signature promise to pay and exchange them for credits. I have a affidavit of all debts are prepaid. I also have XXXX XXXX from XXXX XXXX XXXX having a certified ferrensuk auditir under oath saying all bank loans are fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33009
Submitted Via: Web
Date Sent: 2023-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: In late 2022 I was a victim of credit card fraud. I became aware when the credit card company began collection efforts. When contacting the company, I was asked to provide a list of information for their investigation. That list included copies of two months of checking account statements and if we suspected someone could have accessed my personal information. That was sent to a po box for their company at their request. When no action was taken, I called to follow up. They claimed they had yet to receive it. They asked to be sent to a second suggested po box , which I did. That second communication to them was verified received, yet they claimed they never received it. They then suggested it be sent by fax to their fraud department, and that was done. On XX/XX/XXXX, they verified by phone it had been received but would take 15 days to upload in their system. On my XX/XX/XXXX follow-up call to them, they then said it had yet to be received and asked for the fourth time to fax a different fax number which has been done. They need to be more truthful about receiving the information THEY requested.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33541
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-18
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: I took advantage of balance transfer offers from Citibank. One balance was for .99 % a second was for 0 %. both charged a 3 % fee. My 0 % expired on XX/XX/XXXX. I purposely made a {$2100.00} payment which was supposed to be paid against the expiring account. I even called Citibank customer service before I made this payment to make sure it was to be applied against the expiring account and was told it would be applied that way. It was not. It was applied against the .99 % balance which is going to expire XX/XX/23. I contacted Citibank again and was informed it would be adjusted on my XXXX statement. It was not. I wrote Citibank about this issue and essential received a non response response. Now my XXXX statement reflects a {$2000.00} balance at 27.99 % and a {$1200.00} balance at .99 %. I'd appreciate any help you can provide. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 189XX
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-18
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: Citi offered a promotion for new account holders. I opened a new account, did the required spending and account pieces, and it says that you will receive points within 30 days. It has been 55 days and I have not gotten my points. The terms say 30 days, I contacted citi and they verified I had completed all activities but could not provide a status of the promotion, and said it may take 90 days to get my points. This is not what I signed up for. Requirements : Opened account XXXX Debit ATM purchases of {$1000.00} {$350.00} ( XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX enhanced direct deposits totaling {$1000.00} or more XXXX : {$500.00} ( XXXX ) XXXX : XX/XX/XXXX {$500.00} Within 90 days XXXX- confirmed on chat ( XXXX pm ET - XXXX ) I was enroled in XXXX promo bonus Week of XX/XX/XXXX : contacted as I completed all activities on XX/XX/XXXX and had not gotten award. They opened investigation YOUR CASE ID : XXXX XXXX XXXX XXXX and said I may get points within 90 days Per terms and conditions when I signed up : Complete Qualifying Purchases. Complete Qualifying Purchases with your Citibank Debit or ATM Card corresponding to the Checking Account Package requirement in the Chart below within 90 days after the Checking Accounts Account Opening Date ; The maximum amount of bonus miles credited will be based on your Checking Account Package on the XXXX calendar day after the Account Opening Date and completion of the Required Activities ( see Chart below ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22204
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-18
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: Purchased several products : they did not get me my products or issue returns on my card when they didnt get me the products. I am stuck with bills and credit card slips that arent making sense and XXXX Ive paid in debt that I can not understand on receipts. Home Depot said they would resolve this and even offered a settlement amount which I didnt agree to the amount, but they havent even followed through with that. I dont know what to do other then reach out to my government
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 554XX
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-18
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Cfpb Approximately two years ago, I was looking for a TV and found one that would be great for my mother and father. It was an XXXX XXXX and I was told that they had a promotion that Included a two-year 0 % APR interest rate for 48 months. I was approved for the exact amount of the TV, it was approximately {$3400.00} at the time. It was open-box and not new. I was told by the associate at Best Buy that once i bring down the balance by paying most of it off via the two-year 0 % apr period, I would mitigate most of the potential interest. Two years go by, and I still have about {$2000.00} left ( in balance ) to pay off ( i charged the card a few times for a medical expense I had, so it wasn't just the TV that was charged to that card ) On XX/XX/2023, Best Buy ( Citibank N.A. ) made a charge to my card for the amount of ( ~ {$2300.00} ). When I went to my account to make my monthly payment, I noticed the balance on my card went from ( about {$2000.00} ) to almost {$4700.00} and it was surprising because the original MAXIMUM credit i had was always {$3400.00} as i mentioned previously. There were no notifications that my credit limit even increased. I was told by three Citibank representatives that they would be able to take that interest charge off if I am able to pay back that {$2100.00} in a matter of 30 days ( 30 days from the point that which I found out i was charged a large lump sum at once ). This amount, i assume, is the amount that is left for the promotional balance I was under the impression, given what the Best Buy associate told me, and what the bold letters of the Best Buy card stated ( XXXX percent for two years ). In my experience, I have had multiple cards that provided an initial period of free interest - and even when I do not pay it off, I am charged the-then interest rate for the REMAINING balance ( not the WHOLE interest charge for the initial purchase that I made -not to mention that i already made payments towards the prinicple and brought it down I urgently need your help and I would like for you to tell me if this is typical practice and what rights do I have? I don't know how I will be able to pay off such a large amount ( ~ {$2100.00} ) in a matter of only 30 days
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33161
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-18
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have a Citibank XXXX credit card that I currently have two deferred interest payments setup. These were both created using balance transfer offers. Once of these balances was setup with 0 % interest and is currently due on XX/XX/XXXX. The other balance was setup recently with a 0.99 % interest rate and it is due XX/XX/XXXX. I intended to pay off the 0 % interest balance in full before the transfer offer expires on XX/XX/XXXX. Citibank has informed me that due to the way their system is setup that any payment I make will be applied to the higher interest rate balance first. This would make sense normally but not in this case. I explained this to the representative and the supervisor today ( XX/XX/XXXX ) but I was unable to convince them to pay off the balance that is due XX/XX/XXXX. While I was on the phone I found a webpage on the Citi site that states the following... Amounts over the Minimum Payment Due are generally used to pay off higher rate balances first. - Any amount paid in excess of your minimum payment due each month will be paid to your highest interest rate balance first. - The only exception to this is the 2-3 billing cycles at the end of a deferred interest promotion. During this time we will apply any payment in excess of your minimum payment due to your expiring promotion. This will ensure you continue to have the best opportunity to pay your promotional balances before expiration. https : //www.citicards.com/cards/wv/copy.do? XXXX Please notice the 2nd sentence that is exactly for the situation I am in. It states that I can make a payment within 2-3 BILLING CYCLES to pay off the balance that is EXPIRING. Citibank officials explained to me that I must wait until 3 days after this cycle ends ( XX/XX/XXXX ) so that my expiring balance will not be the higher interest rate balance and they can apply my payment to that balance. Unfortunately I would be responsible for interest payments to them because my balance transfer would have expired. I am very angry about the lack of assistance and even after I had read them THEIR statement on their website they refused to pay off my expiring balance. I think the situation warrants a lawyer because they are breaking federal rules for credit cards but I will start with this complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27284
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-18
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 was charged {$200.00} on my Macy 's Amex Card for a XXXX XXXX comforter that I ordered online a few days prior. The order # was XXXX. When I had not received it by XX/XX/XXXX ( and my account stated 'In Transit ' ), I called customer service and was told that it had never been picked up by XXXX . The customer service agent then helped me to reorder the comforter on XX/XX/XXXX ( order # XXXX ). I did receive that comforter on XX/XX/XXXX. When I received my credit card statement in XXXX for the month of XXXX, I noticed that the XX/XX/XXXX charge of {$200.00} was still on my account. I contacted the Macys credit card department and was told that it had been returned for a gift card. I explained to them that it had never been received but the customer service people were not understanding the situation. Since XXXX, I have spoken with numerous reps through email and over the phone about this fraud. I have even been told that they can see it was returned by someone named XXXX and was already used ( not near where I live ). I know when they look into it, they can see that it was never delivered to my address and that I was not the person who 'returned ' it for a gift card. When I now sign into my Macy 's account, they have updated the transactions. The original comforter on XX/XX/XXXX says 'delivered ' and then 'refunded ' in a later transaction. And, the one ordered on XXXX is not listed in my account -- but I have the email order and delivery confirmation. It is beyond frustrating that I am going to have to pay {$200.00} for an item that I never received. And, the amount of time and energy that I have spent trying to contact an actual person in Macy 's who can try to understand the situation. I have been charged twice by Macy 's for a comforter that was only received once. The Macy 's customer service is TERRIBLE. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11787
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A