Date Received: 2023-07-17
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I have had a Citibank Credit Card since XXXX. I reported my card missing and I was told I would be mailed a new card. I never received my new card. I then had a new card number associated with the card I never received. Problem 1- Citibank will not terminate my account. Problem 2 - I no longer knew the number of my card. Problem 3 - After changing my phone number the service rep told me they could not help me, because I could not prove I was me. I provided them with my social security number, what I had recently charged, and my security word, but they continues to tell me they could not help me. Although I couldn't remember my password, my username and password were saved on one of my computers, so I could log into pay my bill. I logged in payed off my entire bill so I had a zero balance. I told the customer service rep I did not want the card any longer and I wanted my account terminated. I told him I didn't even have access to my own account any longer and I wanted the account shut down. On XX/XX/XXXX I received an e-statement from Citibank saying I had a new balance of {$6.00}. I called the Citibank customer service to report a lost card that had a fraudulent charge. I told them I had not had access to that card since XX/XX/XXXX which is the date of the last charge I made my Citibank card. I WAS TOLD THEY COULD NOT DO ANYTHING TO HELP ME.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 216XX
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have a best buy credit card. My payment was suppose to be XXXX which i was fine with. When i went in to pay my bill it stated it was XXXX. I did not makr a payment as i didn't have that much. Now its at XXXX i can not pay that much. Im on XXXX and work a part time job. I feel that they let me get this far as a high risk person and now i cant dig myself out. I asked if they could put payments back at XXXX a month as i can make that payment. I was out of work for 2 weeks i called and asked what could be done and was told nothing could be done. Its hard to speak with ppl who speak broken XXXX. Which frustrates me and then they get mad and end the call. I cant help it if my XXXX takes over in this situation. So im asking that my payments can go back to XXXX a month. U can keep my privileges suspended. So im asking for this a normal payment of XXXX. Thank u
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 544XX
Submitted Via: Web
Date Sent: 2023-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: deposit a check {$71000.00} for escrow into citibank. Citibank blocked the account for over XXXX weeks. every single calls it will be under reviewed or it will be cleared in XXXX hours but never been clear and came out with all tons of excuses. it delays and interferes with all payments and activity of daily life. citi bank fraud department wont be able to unblock or even return the fund to the sender. citibank gave tons excuses the the check was not endorsed and it was and stated the sender is not active in business etc. the fraud department will like to talk to the sender of the check to clarify the amount and the check is correct. After all tons of processes and phone calls, saying it would be cleared again after the sender would like them to return the check. citibank has cleared the check in account but will not unblock. That is insane and don't know what is going on with citibank the hold the fund and block the account after the check is cleared by the sender. pls advise
Company Response:
State: CA
Zip: 92507
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I have a Citi credit card that has a balance consisting of two balance transfers- one at 0.00 % ( {$2400.00} ) and another at 0.99 % ( {$6400.00} ). The balance transfer at 0.00 % was set to expire on XX/XX/2023, at which time the rate would increase to 24.99 %. I made a payment for the full amount of that balance transfer 's remaining balance ( {$2400.00} ) on XX/XX/2023. My statement then cut off on XX/XX/2023. Citi applied all of my XX/XX/2023 payment to the balance transfer balance with the 0.99 % rate because they pay down the higher interest rate balance first ( to benefit the consumer? ). That not only resulted in my expiring balance transfer balance jumping to 24.99 %, but it paid down the other balance transfer balance that I just gotten in XX/XX/2023 and paid a fee to obtain. I have reached out to Citi via chat on multiple occasions. The first was to ask if my payment can be reapplied to the expiring balance transfer. The option to have a payment reapplied is in Citi 's Help FAQs and I went that route, but I received a letter in the mail days later saying that request was denied. I then chatted with a representative asking if I could get an understanding of why it was denied and was given a copy of the payment processing order. I explained the situation and was again denied. I then chatted with a " supervisor '' who approved me getting a refund of {$2300.00} ( to make sure what was paid covers the minimum payment ) credited back to my bank account. This was I could make the payment and have it applied now to this high-rate balance. I was told the refund would go right to my bank account. Now 7-10 days later, I check and still no refund. I chatted with Citi again only to be told that the refund was denied. I explained that I am paying over {$50.00} a month in interest because I paid off my balance transfer on time and had I paid it 1-2 days later, I would not be being charged all of this interest. I was told he would try to get it refunded again, but I expressed my concern for the payment application practice and their unwillingness to work with consumers as I feel that the balance transfer policy, expiration dates, statement dates, and payment application practices are misleading and harmful to consumers. I continue to be charged interest at a very high rate until I can pay that off and in the meantime I am not getting the benefit of the low-rate balance transfer that was offered to me ( which again, I paid a fee to obtain ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 486XX
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: Hello, I have a credit card from best buy for a couple of years. Any time I go purchase anything, best buy always promote a 0 % financing. They do not say it will be deferred, just that the client has the option to pay it off earlier without penalties. Last year I had the same issue with best buy, however I was able to catch it early. They charged my account with over {$600.00} in interest in just one day without no mail or alerts. Since I had already other charges there, I requested them to send me alerts and change my paperless setting to domestic mail. I do not even recall requesting my mail to be paperless. They never changed my settings to domestic mail and soon enough I got charged again. Worst part is that I actually did not catch it as early, as soon as I saw I tried to contact them through the chat option on the website. I believe that was my worst mistake. It takes forever with the back and forth as they do not have someone live to speak with you. Due to family emergencies, I did not call them and was able to do it today. Trough the entire conversation they showed no help, all XXXX could say is that he could not do anything. Then I asked to be escalated and the manager said all she could refund me was {$40.00}. The first charge I had was on XX/XX/2023 for XXXX, then in XXXX an additional XXXX, XXXX XXXX, XXXX XXXX and XXXX, XXXX. It is a total of XXXX however all they say they can pay back is {$40.00}! Which is a shame as I was never notified. Credit card companies always tend to take the most out of their client, it is a shame that a company like Best Buy is trying to take advantage of their clients with such a shameful move. No credit card company should take advantage of their clients, alerts and statements are here for that. It is a shame what best buy is doing and how much they wish to charge without thinking of how it will impact an household. The question to be asked is, does best buy actually care about their customers or they are just one more company misleading people through their advertisement?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22192
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
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 was shopping online for cotton clothing. After my purchase, new items displayed ( cotton ) and I thought I was still on same site but in actuality, I discovered, after I made 2 additional purchases, that I was on a different site, namely XXXX. When I got the the first delivery I realized XXXX were scammers and contacted them to cancel the 2nd order and return the first. They wouldn't let me. They said the 2nd order is on its way, and I will only get refund if I ship to XXXX. I contacted Citi Bank to displute both chareges : 1. XX/XX/23, {$74.00}, XXXX XXXX WA, dispute # XXXX 2. XX/XX/23, {$89.00}, XXXX XXXX WA, dispute # XXXX Citi contacted the merchant and decided in their favor. I wrote Citi again explaining the merchant used canny methods to get me to buy ( pretending to be another company online ) and then wouldn't let me return the goods for a refund in a reasonable manner ( without paying shipping cost from US to XXXX ). I looked up the merchant on the XXXX and it has many reports of scamming, it has a rating of F, but still Citi sided with the merchant only because the merchant is wise enough to have all the required information to show the bank they are legit. I have been a Citi card holder for the longest time and I expect they will protect me in the case of such a scamming merchant.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11231
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Dear Sir/Madam, I am writing to dispute inaccurate information on my credit report. I have carefully reviewed my credit report from XXXX, and I believe there are several items that are not reported correctly. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 14 USC 1681. XXXX, account number, XXXX, inaccurate amount shown on the credit report. XXXX account number : XXXX, inaccurate amount shown on the credit report. XXXX XXXX : XXXX, inaccurate amount shown on the credit report, accounts closed In XXXX. CITI XXXX inaccurate amount shown on the credit report. I have disputed the amount several times. XXXX XXXX, inaccurate amount shown on the credit report. XXXX XXXX XXXX XXXX, Not my debt, do not know why or how this account exists on my credit report. XXXX XXXX Account closed company stop reporting and no longer in operation. XXXX XXXX XXXX Not my debt, do not know why or how this account exists on my credit report. XXXX XXXX XXXX Not my debt, do not know why or how this account exists on my credit report. The accounts above violates Fair Credit reporting act : 15 USC 1681 section 602 A. 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 an account without my written instruction. 15 USC 1681c. ( a ) ( 5 ) Section States : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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. Under the Fair Credit Reporting Act ( FCRA ), it is the responsibility of the credit reporting agency to investigate and verify the accuracy of the disputed items within 30 days of receiving this letter. I kindly request that you investigate these matters promptly and remove any inaccurate or unverifiable information from my credit report. Additionally, I request that you provide me with a written copy of the results of your investigation and a corrected copy of my credit report. Please ensure that any corrected information is sent to all creditors who have received my report in the last six months, as per my rights under the FCRA. I appreciate your prompt attention to this matter. If necessary, please contact me at XXXX or via email at XXXX to discuss this dispute further. I look forward to a prompt resolution of this matter. Thank you for your assistance. Sincerely, XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08053
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
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: In XX/XX/2023, somebody hacked my Wayfair store account used my store card and made purchases that resulted in deliveries to Georgia and Florida addresses. I als made a police report in regards to these fraudulent charges. I called Wayfair store, notify them of the fraudulent charges and purchases as well as contacting Citi Wayfair card in XXXX disputing all the charges that showed up on my account I received notifications stating that they resolved and removed all the charges. However, I am somehow still trying to be collected upon to charges that were made on XX/XX/2023 one in the amount of XXXX and XXXX totaling {$510.00}. I called Citi back, notified them of the error in which they were supposed to continue their investigation into why it was not resolved and why it was still showing up. However, now I am receiving additional statements stating that my payments are behind for this amount as well as phone calls, stating that I have delinquent payments that are due, and from my understanding, I was not supposed to receive any additional bills, and that this was going to be taken care of. Now this is starting to not only impact my personal life. This is now starting to impact my credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 493XX
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: 2023-07-16
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I was offered a new card and I thought it would be the better than original card! So I closed old account but didnt realize I that was my longest open card XXXX XXXX and that did not transfer to the new card! I have called and begged and pleaded to open old card that I had 30 days to change my mind but to no avail! I have also tried to call the bank that issued the card but there is NO way to speak to a representative unless you have a valid card. Macys is the department store and Citi is the credit card
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Received a bill from Citibank for {$840.00} which was already paid.Have copy of my citi debit from my account dated XX/XX/22 for {$2000.00} and another debit on XX/XX/22 for XXXX XXXX.Paid my bill in spite of all the fraud that was on my account.Reached out to Citi fraud department and they haven't gotten back to me.Can you please assist.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10039
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A