Date Received: 2023-07-04
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Macy 's straight stalks me to shop because I am VIP I get offers daily when I go to utilize them then my orders are always canceled they gave me some cockamamie story about the system then after spending hours on the I am still not help then I have to go through the automatic. Today one of the overseas counter part block my number because I cussed him out after he said your the one calling me and you need me I don't need you, I said what the XXXX did you say you do need me in order to have a job. I was told by the fraud dept that they always honor the rewards points. They are also reporting to the credit bureau like I am maxed out and I am not It has been more than a week and they still have XXXX tied up in authorizations and they reported my limits wrong to the credit bureau as higher and the agent that got smart with me needs to be FIRED. YOUR OVERSEAS help do not care about Macy 's customers. I tried to get a credit limit increase no good. I need someone in power to call me or else I will be closing this acct.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 551XX
Submitted Via: Web
Date Sent: 2023-07-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-04
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: Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Dear Consumer Financial Protection Bureau, I hope this message finds you well. I am writing to file a formal complaint against Citibank ( Citi ) regarding their refusal to honor my dispute request without conducting a thorough investigation. The case in question involves disputed transactions on my account, with the case IDs XXXX and XXXX. On XX/XX/2023, I encountered an issue involving a fraudulent gift card purchase on my Citi account. I promptly contacted Citi on XX/XX/XXXX, requesting a chargeback for the disputed transactions. However, to my disappointment, Citi rejected my dispute on XX/XX/2023, without conducting a comprehensive investigation into the matter. I provided Citi with detailed information regarding the fraudulent transaction, including evidence of the seller 's deceptive practices and the subsequent confirmation from XXXX regarding the revocation of the gift card. I also highlighted the fact that the seller on XXXX, a third-party platform, was in violation of current regulations by selling virtual goods to American consumers. Despite these compelling pieces of evidence, Citi failed to verify the validity of the gift card revocation with XXXX, which would have substantiated my claim. As a result, I have suffered a financial loss due to fraudulent activity, and Citi 's refusal to investigate the matter further has only added to my distress. I believe that Citi 's actions in this case are in violation of the rights and protections afforded to consumers under the applicable laws and regulations. The bank 's hasty rejection without proper investigation demonstrates a lack of due diligence and a disregard for my rights as an account holder. Citi 's failure to take appropriate action in response to a clear case of fraud is deeply concerning and undermines the trust I have placed in their services. I kindly request the Consumer Financial Protection Bureau to intervene in this matter and ensure that Citi conducts a thorough investigation into the disputed transactions. I urge you to hold Citi accountable for their negligence and to ensure that appropriate measures are taken to rectify this situation. This includes facilitating a chargeback for the funds I have lost as a result of this fraudulent activity. I have attached copies of the relevant documentation, including the confirmation record from XXXX regarding the gift card revocation and the receipt of my report filed with the FBI. These documents provide substantial evidence supporting my claim and should aid in your investigation of this matter. I would like to express my sincere appreciation for your attention to this complaint and for your assistance in resolving this issue. As a consumer, I trust in the Consumer Financial Protection Bureau 's commitment to ensuring fair treatment and protection for consumers like myself. I kindly request regular updates on the progress of my complaint and any actions taken by the Consumer Financial Protection Bureau to address this matter. I believe that a swift resolution is necessary to rectify the injustice I have faced. Thank you for your time and consideration. I look forward to your prompt response and a resolution to this unfortunate situation. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95112
Submitted Via: Web
Date Sent: 2023-07-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-03
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2023, I deposited a personal check written by my aunt into the ATM at the XXXX XXXX branch. The check posted to my account on the XXXX, but showed no funds available pursuant to the funds availability policy. On XX/XX/XXXX, my online access to both my checking and savings accounts were revoked. When I called CitiBank, I was informed that I was being investigated for deposit fraud and that I could call back on Monday, XX/XX/2023 for an update. On XX/XX/2023, both myself and my aunt called repeatedly to try and resolve the issue with the check. CitiBank stated that because my aunt 's " cell phone '' was not registered to her -- they could not accept her calling in as verification that she wrote the check. Eventually, after 7-8 calls between the two of us, a representative finally verified her and we were told that the issue was resolved but I had to wait 24-48 " business hours '' before I could have access to the funds. I waited the two days and then called and attempted to regain access to my online accounts that had been frozen. The representative informed me that I was required to get a new debit card before my access to my own funds would be restored. I could " expedite '' the arrival of a new debit card for {$6.00} or wait 5-7 business days. I opted to wait 5-7 business days because I am not giving CitiBank money for their own mistakes. It has now been 18 days since depositing this check. I still do not have access to my credit card online, nor do I have access to any of the funds within my checking or savings accounts. It is insane that a bank can withhold your funds and then require you to pay to expedite access to what is rightfully yours. Additionally, I've received no written communication regarding any of this -- simply a letter stating that none of the funds of the check would be available until the XXXX of XXXX due to " confidential information that the check might not be paid. ''
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 51104
Submitted Via: Web
Date Sent: 2023-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-03
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 made a purchase on XX/XX/2023 to internet retailer XXXX for merchandise in the amount of {$5600.00}. I received used, damaged, and not-as-described merchandise. I tried to return the merchandise but the seller refused and made the situation very difficult. I opened a dispute with Citi bank on XX/XX/2023 for help in this matter. Citi begun an investigation and initially ruled in favor of the merchant. I reviewed the materials supplied by the merchant and discovered blatant fraud, including forged documents and a false story that the merchant accepted the return and provided shipping labels. This was the first time I have ever seen these labels, and came as a surprise, because the merchant outwardly refused to provide them before. My suspicion is the merchant attempted to provide a different narrative but the story they provided made so sense and is also fraudulent. I called Citi bank to discuss this matter and on a recorded line, they advised me to " send the merchandise back so we may resolve this dispute in your favor. '' I did this. I sent the merchandise back with the newly discovered return labels the seller furnished to Citi bank on their dispute response. Citi bank then also asked me to submit a signed letter describing what happened and where the merchandise is. I did this. I sent back the items and supplied Citi bank their requested documentation on XX/XX/2023. I received notification on XX/XX/2023 per their website that the dispute was again resolved in favor of the merchant. Completely appalled, I called Citi bank on XX/XX/2023 to discuss this matter and they claimed the website is wrong and the dispute is still pending. They then asked me to provide the exact same signed letter I already had provided. I suspect gross negligence and incompetence on behalf of the investigative team at Citi bank and insist this complaint be used to re-examine the dispute and to properly resolve this matter in my favor.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 14150
Submitted Via: Web
Date Sent: 2023-07-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-03
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I opened the checking account in XXXX of 2023. I found an offer that if you did certain requirements with a checking account, you'd get XXXX XXXX XXXX points. I needed a new checking account to pull for my mortgage. The requirements I got from my email : EARN UP TO XXXX XXXX XXXX XXXX* after completing the following required activities : OPEN a new checking account and enroll in the offer the same day before XX/XX/2023 SPEND the required minimum amount on purchases using your Citibank XXXX Card within 90 days after account opening MAKE at least 2 Enhanced Direct Deposits totaling {$1000.00} within the first 90 days of opening your eligible checking account within the same 90day window YOUR XXXX XXXX XXXX will be credited to your XXXX account within 30 calendar days from the date you complete all required activities Problems : 1. Citi never sent me a debit card. I requested a replacement so I could meet the spend requirements. When I got my replacement, they sent me an ATM card which can't be used to meet the requirements, it can only be used to withdrawal money from an ATM since there isn't a Visa/Mastercard logo or CVV code. This means that I can't meet the requirements of the promotion, and it is intentionally difficult or impossible to meet. 2. I attempted to contact Citi via XXXX, and I was sent around in XXXX XXXX- I could not connect to a live agent ( this was on XXXX, not a holiday ). I attempted to contact the bank for assistance, but could not overcome the XXXX. 3. I attempted to close the account on XXXX online because of Citi 's deceptive practices, and I was told to either call the same number, or go into a physical branch. If I can not close the account online or through the phone, I'll attempt to go into a branch to close the account and ask for the maintenance fee to be removed, but it is a major inconvenience. 4. I have been charged a {$12.00} maintenance fee because I don't maintain a {$1500.00} balance. Monthly the account does have over {$1500.00}, so it charges the fee when it likes to. I was charged a fee on the same day a deposit came in that would keep the fee above it. If the fee was considered a day later, I wouldn't of received the fee.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 754XX
Submitted Via: Web
Date Sent: 2023-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-03
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XXXX, XXXX 2023 my Citi bank debit card was charged multiple times from unauthorized ATM charges ( 6 charges of {$200.00} & 1 charge of {$100.00} ) I discovered my card and wallet was missing and instantly reported it and put a claim in with Citi Bank. They gave me a claims number and a couple weeks later I received a letter in the mail claiming that these charges were normal bank activity and I would not receive my money back. I then called Citi bank again asking them to resubmit the claim because these charges were clearly unauthorized and the card was not even in my possession nor have I ever withdrawn any money from an ATM with this bank. They submitted another claim on XX/XX/2023 and I still have not received any type of solution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77041
Submitted Via: Web
Date Sent: 2023-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-03
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My name is XXXX XXXX XXXX and Ive had checking account with Citi Bank for more than 2 years. I have my funds from my side job depositing into the account. I recently deposited a check from XXXX XXXX XXXX XXXX for a recent car that I sold to one of their customers. I sent the ceck to the citi processing center in XXXX XXXX Tx to deposit it into my account. I checked my account about a week later, and it was blocked! I called multiple times to citi only to get the same run around. The check needed to be verified. I finally called the monday after the deposit, and to my surprise Citi said they were going to keep the BLOCK and requesting to CLOSE MY ACCOUNT! What is any reasoning for that? I have done NOTHING wrong in my accounts and now Citibank is trying to hold my money for 30-60 days for no reason. I have been given NO reasoning as to why this decision is even considered. Id like to open a case with somebody and get to the bottom of why my funds are being held. If you could respond ASAP that would be great. Im just trying to get my account to stay open or AT LEAST be able to access my funds that are rightfully mine. XXXX XXXX XXXX. check amount : {$19000.00} dates called : XXXX, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23464
Submitted Via: Web
Date Sent: 2023-07-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-03
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: To whom it may concern. I, XXXX XXXX XXXX, am writing this statement to the CFPB for assistance involving Citibank requesting a full refund of lost funds from my account. Due to an unauthorized wire transfer from my savings account on XX/XX/2023 at XXXX hours in the amount of {$11000.00} in an outgoing domestic wire transfer to a XXXX XXXX with mobile XXXX. There was also a XXXX transfer of {$490.00} taken from my checking account to a XXXX XXXX. This fraudulent event began with an initial call to my cell phone at XXXX XXXX on XX/XX/2023. The caller ID showed the call coming from Citibank. The man that I spoke with stated that there had been some suspicious activities in my accounts and the bank was attempting to ensure it had not been hacked. The man had my name, address, account information and stated that he needed to ensure that I was in fact XXXX XXXX. He asked several questions and requested the last 4 digits of my social security number. I had no reason to doubt his being from Citibank and believed he was working to secure my accounts. After being denied the XXXX the first time, I made a claim at the bank to appeal it and was quickly refunded the {$490.00} for the XXXX transfer. I have received no further information about the {$11000.00} refund for the unauthorized wire transfer. Due to Citibank approving the refund of the {$490.00}, it appears that the bank agrees and accepts that this was fraud and therefore should also approve the refund for my {$11000.00}. I have saved several screen shots of the conversation the perpetrator was messaging me. I have a current police investigation working to find this person/persons. With the Greatest Respect XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33351
Submitted Via: Web
Date Sent: 2023-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-03
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Citibank decided to close my account on XX/XX/2023 without warning, of course by law they didn't have to give me a reason for the closing but they have a hold of my business funds and I can't pay bills until I get those funds back, they are saying its a 60 day wait and that means that I will be behind on two months of bills.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92708
Submitted Via: Web
Date Sent: 2023-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-03
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: I was charged over XXXX for a purchase I never made. I spoke with them, but we didn't resolve the issue. There are so many additional fees that I was never aware of before, I just want card closed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23324
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A