Date Received: 2023-06-17
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 placed an order for a product with Best Buy on XX/XX/XXXX, using my Best Buy Credit Card for payment ( {$1200.00} ). The order was to be delivered XXXX via XXXX. The order was never delivered. Best Buy retailer was contacted via support chat on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX : refuses to re-ship the order or issue a credit. XXXX tracking info indicates the order was signed for, but the signature is not my name ( and I live alone ). I considered XXXX at fault and filed a complaint with XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( called virtual BOT XX/XX/XXXX ; spoke to live rep XX/XX/XXXX ; response email to XXXX complaint received on XX/XX/XXXX ) is adamant that Best Buy retailer needs to file a claim to resolve the issue, but Best Buy retailer refuses to do so. I called Best Buy Credit Card Support on XXXX to file a dispute : they are telling me it can take 60-90 days to reach a resolution. I find this very unacceptable and frustrating b/c I suspect XXXX messed up ( either delivered to wrong address & person, or driver kept the order ) but refuses to take blame, but more importantly Best Buy retailer and Credit Card refuses to support a long-time customer and makes me feel like I am not worth the time and effort to resolve the matter promptly.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21220
Submitted Via: Web
Date Sent: 2023-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-16
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I called Citi about a credit card statement that I inadvertently forgot to pay. The balance was {$97.00} on that statement. I paid for a {$5600.00} insurance policy the next month and when the statement came due, it had a {$100.00} interest charge. There's supposed to be a grace period on my XXXX insurance policy, but for some reason the interest from the {$97.00} statement is being applied to the entire balance. This is predatory and totally unfair. This is a backdoor way to have 1200 % yearly APR. Second issue is that the rep that I was transfered to just closed my account as I was asking questions. I wanted to know how my points would be accessible and if and how refunds would be posted. I did not intend to close that day as I had a large balance of points incoming and a few refunds and wanted to make sure my payment would post and I would still have access before closing but the rep didnt listen to me and went ahead and closed it. XXXX is the last rep I spoke to and he informed me that someone could listen to the recording and reopen the account.
Company Response:
State: IA
Zip: 52246
Submitted Via: Web
Date Sent: 2023-06-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-16
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: On XX/XX/2022 I made an online purchase of {$850.00}, immediately after I received a text from Citi stating " Free Msg Citi card XXXX Did you attempt {$850.00} at XXXX XXXX on XXXX? Yes=1, No=2 or sign on to Citi mobile app '' I responded " 1 '', they responded " Thanks. Your purchase was declined. Please retry. Your card is ready to use ''. I made the purchase again as instructed. I ended up being billed and receiving the purchased product twice, so I immediately returned the first product to the merchant and was credited ( after a lot of back and forth because in the meantime my credit card ending in XXXX was lost and replaced with a new card ending in XXXX. Additionally, the 2nd product I recieved was a XXXX gift which didnt fit so I returned the second product to the merchant and was attempting to be credited but there was an issue returning the funds to my citicard because the charge was flagged as fraud at Citi . Citi had drawn the funds back from XXXX XXXX in XXXX. I immediately contacted Citi to have this corrected so my refund could be made from XXXX XXXX. Citi then claimed to have corrected the issue and sent the funds {$850.00} back to XXXX XXXX on XX/XX/XXXX which is stated in a letter from Citi 's XXXX response unit. Months went by and I continued to follow up with the Merchant who continued to claim they did not receive the funds from Citi, finally on XXXX XXXX Citi admitted in a letter to me from Citi 's executive response unit that the funds were not returned to the merchant as they had stated on XX/XX/XXXX and they would re-issue the funds to XXXX XXXX on XX/XX/XXXX. I have since made weekly calls to the merchant and Citi because XXXX XXXX has not received the funds from Citi. I have asked Citi to remove this balance from my account because the root cause is there error, and they did not return the funds as they had claimed in XXXX, I feel that they did not return the funds as they claim they did on XX/XX/XXXX. I would like to have this balance removed from my Citi credit card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 14086
Submitted Via: Web
Date Sent: 2023-06-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-16
Issue: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: I have been receiving statement balances, advertising, and other personal information via email for another person and their XXXX XXXX Credit Card with Citi Bank. I do not have a Citi Bank account and have been unable to unsubscribe from these notifications. I just spent an hour on the phone with their customer support and they refused to remove my information from their accounts or give me an avenue with which to resolve this issue. I simply do not want them to be sending me this email along with another person 's personal information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90660
Submitted Via: Web
Date Sent: 2023-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-16
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: Hi this complaint is regarding my Macys credit card. I made a phone call ref # XXXX the day before a 12month furniture purchase promotion expires to either # 1 request an extension for more time on the promotion # 2 Pay off my due balance on the furniture so I don't get charge an interest on my account. After my inquiry I was offer an additional 6 months of promotion to pay off my balance. At that time I made a XXXX payment ref # XXXX to start paying off my balance to pay off in 6 months as agreed. the representative explained it might take up to 72 hours I let a few weeks go by to check back on my account to my surprise I had been charged the full amount of interest of XXXX and nothing had been done to my account. I called them right away on XX/XX/XXXX, after 50 minutes of speaking with different reps. I spoke with a supervisor named XXXX ID # XXXX who once again confirmed that my 6 months were approved and the charge of XXXX was charged by mistake and would now be given a credit on my account that can be applied to that interest charge of XXXX and to allow again 72 hours before resolved. Today is XX/XX/XXXX I called again being put through three different people, I was told that in fact the fist rep had made a mistake and asked for additional 18 months instead of 6 and the request was denied, this person who apparently is the head of the credit service department said he will correctly submit for 6 months, he made no promises or guaranteed that this will be resolved. I am very disappointed and feel as though Macys made false promises that made my credit score go down a few points because of credit increase, so # 1 it affected my credit score and # 2 it will now affect my finances since I am stock with a XXXX bill that wasn't supposed to happen.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33467
Submitted Via: Web
Date Sent: 2023-06-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-16
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I opened an account with Citibank on XXXX XXXX XXXX and XX/XX/ I went to obtain a cashiers check in the amount of {$10000.00} and {$500.00} cash, however on that same day there was an additional {$2000.00} taken out of the account that was not authorized by me. Over the course of time each month there were many unauthorized transactions that occurred on this account. Each time I went into the bank itself or called customer service to rectify the discrepancies I was always told that transactions do not update in real time and the transactions/ balance would eventually be updated. The bank is also stating that an additional ATM card was ordered and sent to my home that I 1- did not request and 2- never received. I have filed multiple complaints with the Citibank fraud department and also have an open investigation with the XXXX Police Department Financial Crimes Unit regarding this matter. I am filing this complaint with your agency today as recommended by
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60637
Submitted Via: Web
Date Sent: 2023-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-15
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I have a promotional balance with Best Buy of XXXX $ that I had to pay by XX/XX/2023. I payed the promotional balance on my account on XX/XX/2023. I noticed that after that my account still had a promotional balance. Best Buy added the payment to the regular payments and not the promotional balance. I called Best Buy and they said they fixed this issue on XXXX that I wouldnt have a problem. I still was seeing a promotional balance on my online account and tried to fixed it before XX/XX/XXXX Best Buy said it was okay that they took care of it. XX/XX/XXXX came and now Best Buy is charging me XXXX interest for a promotional balance that I payed and the interst was not even supposed to be that high. I called Best Buy already talked to two supervisors one said they cant see my XXXX statement and he cant do nothing. The other supervisor said to pay XXXX $ more by XXXX and he removes it. I dont agree I just payed my promotional balance and want the interest charges removed from my account. Please fix it my credit will be affected and I will take action with the law to fix this injustice.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29526
Submitted Via: Web
Date Sent: 2023-06-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-15
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: So on XXXX I authorized a payment to a merchant that was advertising a rental property with the agreement that I would be refunded if I no longer was interested in the rental. However, with this merchant, they seemed suspicious because they were not compliant and back and forth with me when I asked for a video tour. They also repeatedly asked for money and that was when I was no longer interested in the property. I had asked for a refund multiple times and they kept stalling and told me they can not send me back the money because they did not have money in the account. They told me they will send me their personal information so that I log in and make the withdrawal myself. I refuse to click on any suspicious link nor do I want to make any withdrawal myself, I had asked many times to send the money back via trusted methods like XXXX, XXXX, etc but the merchant refused to. I have called and repeatedly explained my situation to Citi that I am requesting a chargeback due to never receiving the service the merchant provided. In the beginning, it was reported as a fraud to which the bank concluded that it was not a fraud. So I try to reopen the dispute and they kept telling me that they have already made multiple contacts with the merchant and that the only way is to ask them to refund me. I've told them many times that I have already tried. Also about them sending me a suspicious link and making the withdrawal myself. They have never asked me for any proof either because I have proof of the entire conversation between the merchant. I kept calling because this issue is really frustrating. Finally, someone in the bank said that the investigation has reopened and that I just have to wait however, I do not see an update on my bank account yet. Usually, when a dispute is ongoing, you can track the status. I am writing this complaint because I am unsure if they have reopened the investigation or if they are just saying that so I don't have to be dealt with. Currently, my statement is about to be due soon in a few weeks and I have been trying to resolve this issue for 2 months now. I do not want to have to pay for something I have not received and also for someone to receive money from being a fraud/scammer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11234
Submitted Via: Web
Date Sent: 2023-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-15
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I believe I am a victim of domestic XXXX by XXXX former attorneys employer and my ex-husband/ I have also reported them to the board of law/ I had been with XXXX XXXX XXXXXXXX since XXXX also a XXXXXXXX XXXX XXXX XXXX holder and the problem started in XXXX when I left my position at XXXX injectables all of my bank accounts have been hacked I had reported all of this to each bank I moved from XXXXXXXX XXXX to Citibank I also had a discovery card that I have reported the problems to I have been unable to turn on my cards turn on my credit since XXXX I have over {$350000.00} worth of frauds I only have XXXX bills I am paying out I have now never shut down the account at Citibank they have illegally shut down my account and have withdrawn over I would say {$60000.00} out of my savings account as well as my checking account they have not credited multiple frauds of charging me triple the amount of money for medical insurance I am now unable as a result to pay for medical insurance they have stolen over {$350000.00} from these accounts I have now moved to XXXX bank where I am having a problem even with is the bank paying the checks directly they are changing my accounts changing the addresses I have I believe might be a fraud loan at XXXX XXXX XXXX XXXX XXXX had to pay employee to sit on the phone with these companies for over e-hrs a week ; I have paid insurance XXXX x changed in XXXX different accounts for same bills ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: 33435
Submitted Via: Web
Date Sent: 2023-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-15
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: Best Buy credit card by Citi bank. I asked for confirmation of debt defined means my wet signatures not a bill. I tried to use a 1099C cancellation of debt refused it. 12 usc 1431 banks can not loan money because they are the borrowers. Money modern mechanics book from federal reserve states banks can not loan money. Hummm. Banks take people signature promises to pay and exchange them for credits. Basic booking entries. Per 42 usc 408 asking for a social security number is illegal for any credit transaction or loan is a crime because we have unlawful money backed by air. Article one, section ten, clause one says no state shall enter into any treaty, alliance, or confederation ; grant letters of marque, coin money, emit bills of credit. Federal reserve notes are promises to pay in the future. Lawful money is gold and silver. The United States since 1933 been under bankruptcy. Per usc 1602g we are the consumers and the banks are the borrower Ucc 3-104 explains what a negotiable instrument is and how to use it. To : Citi bank I, : XXXX XXXX XXXX, Authorized Representative, am sending the coupon of the account summary to Citi bank as payment for what I owe. I have recently learned that a coupon is a way of paying according to ucc 3-104. I noticed that you have sent me these coupons and ask me to remit them with another check or money order and then you have redeemed both. That is double dipping of course and is illegal. I am potentially willing to overlook this crime as long as.you accept this legal form of payment, so I am sending the payment coupon to be accepted as a payment. Per ucc 3-603b if tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge to the extent of the amount of the tender of the obligation of an endorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. If you reject the payment coupon or claim to have shred it, I still expect you to follow the law and discharge the debt. Here are some definitions to clarify what I am talking about just to reference state statues if you need a refresher. Instrument : A written legal document such as a contract, lease, deed, will or bond. These instruments are worth their face value, so the amount to be discharged will be the amount I have written on volcher. If you refuse to accept a negotiable instrument I will send the IRS a 3949A and I have enclosed a copy of my fee schedule. Closing an account without permission {>= $1,000,000} per account Refusing a negotiable instrument {$10000.00} per occurrence Since we have no lawful money I want the payment in silver coins legal tender. Vocher : a small printed piece of paper that entitles the holder to a discount? Or that may be exchanged for goods or services. sincerely and without ill will, By : XXXX XXXX XXXX beneficiary and authorized representative All rights reserved without prejudice, without recourse I, XXXX, XXXX agent to said principle XXXXXXXX XXXX XXXXXXXX hereby accept all titles , rights and interests owed to principle XXXXXXXX XXXX XXXXXXXX, I hereby instruct ceo of this account to apply the principle balance to said account full balance. If this can not be honored please respond in the mail with alllll with statue and codes like i did with non acceptance. Apply the above instructions.
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: 2023-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A