Date Received: 2024-02-15
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 transaction on my Citibank credit card used to purchase tickets via XXXX for XXXX XXXX XXXX game on XX/XX/23 in XXXX. I've never been to a football game in XXXX, I live XXXX miles away. XXXX sent these tickets to a email address ( and IP address ) that is not mine. In fact Citibank notified me of this charge and closed out that credit card & issued me a new credit card because of this transaction. Citibank gave me a provisional credit on XX/XX/23 but then on XX/XX/23 reversed that charge saying that they have closed their investigation and determined it was a valid charge ( see attachment ). XXXX emailed these tickets to " XXXXXXXX XXXX XXXX '' ( see attachment ) and that person enjoyed a football game at my expense. I have visited & spoke to Citibank on numerous occasions but they are not willing to do anything. I'm in the process of closing out my checking & savings accounts at Citi.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2024-02-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-15
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: 1. When I logged into my online CITIbank credit card account in XX/XX/XXXX, I noticed that my credit card was suddenly closed without notice. I called CITI Bank to inquire about the closure, and was informed, that because I reside in XXXX now, they closed it. Up until this point, I have used the card regularly and was never late with payments. There was no reason to close it. 2. The card has not been used since XX/XX/XXXX ( due to closure ), and the minmum payment has still been made punctually through automatic payment each month. Chronologically the balance has decreased, and thus, the monthly minimum payment has decreased in accordance. 3. This month ( XX/XX/XXXX ), despite the continued decrease in balance, the minimum payment has increased. When I called the customer service, the representative could not assist me as to why this is, and just read the charges to me like a robot. She said she will file a complaint, without providing written/email evidence to me about this complaint, even when I asked her for confirmation about this internal complaint. 4. I can not access any credit card statements of this closed account anymore, although I am still paying on it. I have a personal loan with Citibank, which I can access. The existence of the closed account is visible on my online account, but I can not view the statements that would explain these unusual charges...? 5. Since I can not get solution-oriented assistance from CITI Bank , regarding the above mentioned issues, I hope for help from the cfpb.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-15
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: Contact company regarding account old account statutory limitations expired they do not respond contact company after receiving my consumer credit report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11691
Submitted Via: Web
Date Sent: 2024-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-16
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have spoken to them by phone & they requested proof of ID & soc sec cards from both myself & my daughter XXXX XXXX. This is her acct. I have nothing to do with this acct. I have sent all copies of above info & they still insist they are right & refuse to remove this credit card from my credit report. I have been trying to get this fixed since XX/XX/2023. This is causing me much XXXX I dont know what more I can do but file a lawsuit
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90505
Submitted Via: Web
Date Sent: 2024-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-16
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 placed a dispute with Citibank about a charge where services were not provided and/or were not up to the standard expected on XX/XX/year> via the phone. The service in question was rendered on XX/XX/year>. I received a request on XX/XX/year> for more information, and was given a deadline of XX/XX/year> to provide the information. The information was provided on XX/XX/year> with confirmation of receipt on XX/XX/year>. The decision was rendered within XXXX hours of the receipt of the additional information. I attempted to contact CitiBank this evening, XX/XX/year>, to establish the reason for the rejection of the dispute, but all I got was an automated message in the phone system that the dispute was closed and that the details of the ruling would be sent via mail within the next XXXX hours. I couldn't appeal the decision. I am filing a complaint because it was rendered in such a time that it was impossible to contact the merchant as it was after business hours, which leads me to believe the decision was already pre-determined at that time. I provided all details of correspondence and pictures of the defective services/products in a narrative document that I was asked to give to CitiBank. There should have been more than enough evidence to get my dispute resolved in my favor, as the advertising was clearly deceptive and I was not provide the product that I paid for nor expected.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75252
Submitted Via: Web
Date Sent: 2024-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-15
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Lender : Citibank Card Account : XXXX CFPB : I been fighting this inaccuracy since XX/XX/year>, when I first got wind of the inaccurate reporting on my file. XXXX I called in and spoke to Customer Rep named, XXXX ID # : XXXX She transferred me to another rep named, XXXX ID # XXXX. She was extremely rude so I ended the call. >>>At this time I had a balance of {$110.00} > I called back to pay it in full on XX/XX/year>, XXXX When I called on XX/XX/year>, I spoke to Customer rep XXXX ID # XXXX about paying my balance. She forwarded to the collections dept. there I spoke to XXXX ID # XXXX. She had to transfer me over to another dept, > ( Recovery Dept ). Recovery Dept : Rep XXXX ID # XXXX She tried to force me to pay by mail which I wanted to pay over the phone. XXXX forwarded me to another rep, New rep is XXXX ID # XXXX. > She said she can take the payment over the phone., but transferred me another rep. > New rep named XXXX ID # XXXX So I paid it with him with my XXXX XXXXXXXX checking account ending with XXXX. So now the account is paid in full as it was closed back on XX/XX/year>. It has a {$0.00} balance. Time paid : XXXX Acct ending in : XXXX Confirmation # is : XXXX > I called back to dispute the inaccuracies and spoke to rep named, XXXX ID # XXXX. She told me to write a letter which I did on XX/XX/XXXX, XXXX. XXXX Again on XX/XX/year> I called in to dispute the inaccuracies. I was greeted by the rep XXXX ID # XXXX. She connected me to the correct. XXXX New rep, XXXX ID # XXXX He was very helpful. He said the payemt for the balance posted and their is a {$0.00} balance. He is also said he sees the huge discrepencies in the reporting and said he would do an internal dispute, that internal disputes are stronger than a customer dispute. So, he disputed the XXXX late payments. > Fast forwarding, those 3 late payments are still on my report and haunting me. Causing me to be denied. According to 15 US Code 1681i Responsibilities of furnishers of information to consumer reporting agencies. 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. I have a right to a fair and accurate credit report. ANd becuase of the problems I have been having for going on for 2 years with these inaccuracies, this account should be deleted. Matter : My XXXX, XXXX, and XXXX were ALL ON TIME payments. Then how is XXXX 120 days late, XXXX 150 days late and XXXX 150 days. How can that be? I look forward to a favorable outcome in this matter. Best regards, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: RI
Zip: 02920
Submitted Via: Web
Date Sent: 2024-02-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-15
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: Due to travel delays, I attempted to check into the XXXX XXXX XXXX in XXXX XXXX in the evening hours of XX/XX/2023. I was informed my room for my entire reservation had already been rebooked to another party and I would have to find another hotel since they had no other vacancy and that I would be refunded for my reservation. I have now been trying to dispute the {$750.00} charge with Citibank for over 4 months. I was initially told by XXXX that since the room was booked through XXXX, an XXXX company, they would be responsible for the refund. When I spoke with XXXX they explained XXXX should be responsible. The charge was initially taken off, but then put back on my credit card on XX/XX/2023. I have been trying to work with Citibank, contacting them by phone and by email several times. My emails to them are documented in case you need them they can be supplied. The last correspondence by email stated that since I attempted to check-in late on the evening of XX/XX/XXXX before XXXX they put me as a no-show and therefore they had the right to rebook my room for my entire stay without a refund. I sent a screenshot of XXXX 's policy that clearly states ( Check-in time : XXXX ; Check in end time : anytime ). My reservation was not honored when their policy states I could have checked in anytime. It states nothing regarding them rebooking my reservation if I did not arrive by a certain time and they booked my room to another party, collected those reservation fees so they are receiving double reservation fees for one room that I never stayed in. I thought Citibank would quickly credit me but they have put me through an endless dispute process with terrible customer service and refusing to reply to my emails. I will attach the documentation below showing their check-in end time policy. It leads me to wonder how many times are they allowing XXXX and XXXX to double book their rooms, turn away guests, and generate double revenue simply due to a late arrival due to unforeseen travel delays when their policy clearly states otherwise.
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: 2024-02-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-15
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/year>, I took my non-activated bank card to Citibank to have it activated so I can access my online acct- this was reccommended by the banker at my previous visit. The card was activted and i was advised the card would be locked unless I wanted to ise it. I advised them, I would not be using my bankcard and to lock the card which would prevent any use of the card. I took the card home and placed it in my drawer. On XX/XX/year>, I received an alert approx XXXX that {$35.00} was being withdrawn from account that I did not authorize. I immediately contacted Citibank and advised them of unauthorized use. I was advised they would block my card and file a dispute. I called Citi back on Mon and Tues for status, I was informed a dispute was filed and a new card sent out. I inquired how my card was accessed if the card was locked, i was told it wasnt locked, it was locked, they dont know. I attempted to contact the bank reps and as of today still no return call back nor an email response. I am unable to get an answer how my acct continues to get compromised and no one can seem to tell me, i only get transferred from one dept to the other with no definitive answer. I am also awaiting for the refund of a previous unauthorized withdrawal of {$2900.00} and Citi is unable to explain why they cant protect the acct. While previously visiting bank there were several complaints with other customers experiencing the same issue and Citi is not safeguarding our accounts and refuse to replace my money in my acct.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60586
Submitted Via: Web
Date Sent: 2024-02-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-14
Issue: Problem with a company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: Dear Officer : I'm writing to dispute the following information that appears on my credit report. The accounts below have a huge impact on my credit score. Furthermore, I am facing a great deal of difficulty getting a job, taking out car loans, auto insurance, and moving houses. I am currently unemployed and have a hard time getting a job due to my bad credit. My car loan has also been denied, which is causing too much damage to my family. Please help. Please remove immediately the following accounts : Bestbuy/Cbna XXXX XXXX I dont recognize this lender and account. Please remove this inaccurate information from my credit report Sincerely XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11364
Submitted Via: Web
Date Sent: 2024-02-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-14
Issue: Problem with a company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: Dear Officer : I'm writing to dispute the following information that appears on my credit report. The accounts below have a huge impact on my credit score. Furthermore, I am facing a great deal of difficulty getting a job, taking out car loans, auto insurance, and moving houses. I am currently unemployed and have a hard time getting a job due to my bad credit. My car loan has also been denied, which is causing too much damage to my family. Please help. Please remove immediately the following accounts : Citicards Cbna XXXX XXXXXXXX I dont recognize this lender and account. Please remove this inaccurate information from my credit report. Sincerely XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11364
Submitted Via: Web
Date Sent: 2024-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A