Date Received: 2023-06-30
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I applied for a Macy 's Amex card to get a discount on a purchase in XXXX and was approved. The items purchase were returned and an email on XX/XX/XXXX confirmed a refund had been made 11 days prior to the payment due date of XX/XX/XXXX. I owed nothing for the statement period. Today, XX/XX/XXXX, I received notification that payment was late. I checked online and saw I had been charged a {$30.00} late fee on the new statement which closed XX/XX/XXXX. I was on hold for XXXX minutes to get a representative, and when I did, she offered to remove the late fee " as a one-time courtesy. '' She was unable to understand that there were no charges owed or late as items had been refunded before the due date ( she was confused by a new statement, closing on XX/XX/XXXX with a payment which is not due until XX/XX/XXXX -- purchase also returned and refund confirmation received on XX/XX/23 -- so nothing is owed, and nothing can be late -- everything having been returned prior to payment due dates ). I wanted an email verification that the late fee had been removed so I asked to speak to a supervisor, but after another 15 minutes on hold, I hung up and called a different number appearing on the credit card statement. This second agent confirmed the late fee had been removed and that all items show as having been returned and refunded but she said I will not be able to see this correction for 72 hours online.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90403
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-30
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I have had a Citi business XXXX XXXX for years. The card expired and I never received a replacement. Back in XXXX I had the bank account associated with the card closed. There were some small auto charges still on the card and autopay was on. After the bank account was closed I tried to login to the website to update it but the site said it was down. The next day I tried again and it still said it was down so I called. Apparently it was one day late at that point. The rep I talked to accepted a payment that he said would XXXX out the account and claimed he waived the late fees and interest now. Now two months later I have been apparently charged multiple late fees and interest on top of that late fee that wasnt waived. I called Citi and they are refusing to waive the original fee that was supposed to have been waived or the subsequent charges on it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33139
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-30
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I opened a Citi Access Account ( Checking ) XXXX in XX/XX/2023. My Initial Account Funding was completed via XXXX XXXX XXXX ( {$100.00} ). I enrolled in Online Banking access, which appeared fully functional, and began using the account as any Checking customer would expect. To confirm functionality, I successfully initiated External / XXXX Pull transfers from each of my existing banks : XXXX ( {$40.00} ), XXXX XXXX ( {$30.00} ), and XXXX XXXX ( {$20.00} ). All XXXX of these transfers ( XXXX Debit, XXXXXXXX XXXX ) have completed, {$190.00} in total. That money now resides in a Citi Checking account which Citi has since restricted access to. I've spent hours on the phone with several agents and supervisors, who maintain that the phone number I provided ( ending in XXXX ) isn't " registered '' to me, and that I would need a landline for verification. I haven't owned a landline in my entire life, and no other business or bank has ever made such a request.. absurd. I have been lied to, hung up on, and shouted down by Citi employees, and I've barely begun any functional business relationship with them.. this is absolutely unacceptable and insane. I want my Checking account access unrestricted and restored. The account was working just fine when Citi decided to take {$190.00} with it... I want my access to my money back. I have proactively offered every form of verification I have multiple times, I'll make the same offer again here. Citi can not indefinitely freeze my Checking account and effectively keep my money, that constitutes theft. Let 's get this resolved and salvage some semblance of a working professional banking relationship? Thank You In Advance! -- XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30518
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-30
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 XXXX Book preordered from XXXX XXXX XXXX XXXX XXXX Advised XXXX XXXX XXXX I am moving to XXXX and to send it to my new address XXXX - Follow up with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX acknowledges, has been dealing with family issues XXXX - Shipping confirmation with old address received. Asked XXXX XXXX XXXX to confirm they will correct mailing address. XXXX - USPS confirms package delivered to old XXXX XXXXddress XXXX - Reached out to XXXX XXXX XXXX to send me a replacement or refund XXXX - Opened Dispute with CitXXXX XXXX - Citi closes dispute with no investigation and says " Customer Responsible '' XXXX - I provide communications and proof that address change was confirmed and book still sent to wrong location XXXX - Citi reopens dispute XXXX - Citi contacts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX responds. Their answer is simply, " XXXX shows delivered. '' To the incorrect address. XXXX - Citi closes dispute as " Customer Responsible ''
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 786XX
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-30
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: HomeDepot sent an email alleging there was a past due balance when, in fact, the account ( XXXX ) had a XXXX balance. Email received XX/XX/23 XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53217
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-30
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: It all started on XX/XX/XXXX when I received a text to my personal cell phone that looked like it was from USPS ( possible url had a lower " t '' in it instead of USPS, it was XXXX ) about a delivery failure and they needed me to click on a link to provide my e-mail address and pay {$0.00}. Which I did on my credit card. This text had a tracking number from USPS that I believe was my original tracking number from two weeks prior when there was a real delivery issue. I was then a victim of smishing. As soon as I provided my credit card number from Citibank and my address, I immediately cancelled my card. They issued me a new card which had not been delivered yet. On Wednesday morning XX/XX/XXXX, I received a text from Citibank fraud saying you need to call us due to a possible fraudulent transaction. I called the number from my text and they told me that there was a transaction in the amount of {$390.00} to a XXXX XXXX in California and that Citibank had blocked it to protect me. I may or may not have confirmed the new card member that's in the mail which is the number that was apparently used for the {$390.00} transaction. I canceled that card too and now there's a third one on the way. My issue is I believe the original Citibank fraud phone number that was texted me for me to call which is XXXX IS A FRAUDULENT and fake Citi fraudulent department #. I then contacted Citibank PH # on the back of my credit card and they confirmed that they do not have a phone number as XXXX and they have no record of that number calling me or me calling it. They do have record of me calling the actual number as well in the last two days. So I am reporting fraudulent activity from someone pretending to be from the USPS, and then providing a fake Citibank fraud number to get my second credit card number. Apparently, this is a known smishing fraudulent activity that USPS is aware of. I have since made drastic measures to protect my info, including using an encrypted password manager. I even called USPS to make a fraud claim and asked about how a person could change my mailing address and they said as of XX/XX/XXXX, it is required for people to come to a post office in person to provide 2 forms of ID before any address change can be made. Not knowing if I called a fake USPS, I went into a local USPS station and it was confirmed by a supervisor, that address changes policy changed in XX/XX/XXXXXXXX as the person on the phon had told me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98407
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-30
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Hello, Every time I submit my payment to Costco Anywhere Citi credit card. My available balance does not reflect my payment until at least 10 days after my payment has been submitted, even if the payment has cleared my bank. This happens every time I make a payment for the last 7 months ( at least ). For instance, I submitted the last payment of {$250.00} on XX/XX/23, cleared my XXXX XXXX account on XX/XX/23, but it wasn't reflected on my available balance until XX/XX/23. I don't think it's right to hold my payment hostage after it cleared my account. If the credit card is holding my payment and not making available to me after it cleared my bank account they should pay me interest applying my credit card interest rate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85018
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-30
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I am writing to express my dissatisfaction and disappointment with regards to the fraudulent charges made on my account. I have put Citi Bank on notice about the fraud on my account XX/XX/18 which I had held with them. I spoke with them and they confirmed that the account has claims of fraud. It has come to my attention that Citi Bank did not properly vet this account before selling it to your XXXX XXXX. As a result, I have been left with fraudulent charges that I did not authorize or make. This is unacceptable and has caused me a great deal of financial stress and XXXX. In summary, the FTC rules and guidelines prohibit the sale of fraudulent or deceptive goods and services, including debt. Sellers must provide truthful and accurate information about the products they sell and must not make false or misleading claims about their benefits or effectiveness. XXXX card account ending in XXXX.
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: 2023-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-30
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: Someone stole my credit card information and used it to make two large purchases out of state where I've never traveled to. I disputed the charges immediately and was assured that I would be credited and sent a new card. It's been two weeks and one of the charges remains on my account. I've been on hold today for a total of 2 hours, transferred 7 times and hung up on by three separate representatives. The call centers I am being transferred to have employees that talk over me and don't understand what I'm saying. The last person I was transferred to said that one of the charges I disputed was denied. No one will help me and I'm being charged for purchases I never made. It's extremely frustrating.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 86314
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-30
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: I signed up for a Citi Bank card and and have been trying to pay it off for years. I have paid thousands of dollars and because of the interest rate I am unable to make any progress. I have reached out to the company multiple times and have either been told someone will call me back and never does or that there is no option for me at this time and they want me to call back after the next cycle. I have tried desperately to make payments or lower interest rates but have been unsuccessful.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28209
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A