Date Received: 2023-06-06
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I recently ordered a new card ending in XXXX. However, XXXX was able to charge my old card ending in XXXX and the funds were taken out my account. I have not added my new card to XXXX yet and XXXX transactions shows that the XXXX card was charged. No issue there because I know where the charges came from but my main concern is what if the reason I ordered a new card was because of unauthorized transactions. Does this mean that those people can still use my previous card number to access my funds? I went through their chat and tried speaking with an agent but there was no luck there. This seriously has me wanting to close my account because that is so unsafe and makes me feel like the security is jeopardized. There should not be a way for my previous card to still be linked to my account. This is a serious security issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60153
Submitted Via: Web
Date Sent: 2023-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-06
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Had agreement with Citibank to help pay off credit card. Was making payments. XXXX monthly to pay down credit card. I was making payments all the way off until XX/XX/XXXX. in XX/XX/XXXX Citibank would not allow me to make a payment online or over the phone. Stated to call back my account was under review and they could not accept any payments at this time. To call back at the end of the month. Call again on XXXX. Lady states to Call back later on in month still under review, called again on the XX/XX/XXXX lady stated the same thing. Called back on XXXX still saying the same that my account was under review and I could not make any payments at this time to called back. Called back XX/XX/XXXX. Still not able to make payments stating it was still under review. Then I get a letter from collections saying they want the payment in full. I dont understand how it can go to collections if Citibank would not let me make a payment. I had tried for 3 months to make payments. Then spoke with XXXX XXXX with client services on XX/XX/XXXX. We talked about {$170.00} month for 36 months. I wouldnt agree to the arrangement until I had it writing. Due to the fact Citibank didnt stand behind the first agreement with me. I also requested a statement for the last 2 years of payments. I do not agree with the balance owed,. Again how can a creditor do this to a customer if you will not allow the customer to make a payment. Seems like to me Citibank set me up in order to turn this account into collections. I think this is unfair and discrimination. When I was trying to work with Citibank. And Citibank didnt hold their end of the agreement and wouldnt allow me make payments. Last year payments XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 42103
Submitted Via: Web
Date Sent: 2023-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-06
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I spoke with a account specialist in XXXX prior to my account charging off. Was in works with getting a settlement. I asked the rep/account manager from CitiBank that handles settlements " when does my account charge off '' and if it was a early charge off. The rep stated they didn't know and that the account wasn't charging off yet/after that bill cycle. They didn't tell me that XX/XX/XXXX was the last due date before charge off after I specifically asked when does it charge off. I received no letters via mail explaining they were charging it off until I received one notification that a debt agency was handling/recovery team. After explaining my situation, I offered a lump sum that was denied and the call ended with no arrangement. I was expecting a settlement letter via mail for the account/another correspondence that would've explained the time frame I had to respond without being taken to court but nothing was sent ( nor any phone calls ) until XX/XX/XXXX when I received a certified letter dated XX/XX/XXXX. I tried calling this law office that CitiBank employed for this matter and got hung up on 3 times and then sent to someone's voicemail. I left a voicemail and emailed the email on the letter. In the most professional way to explain, CitiBank failed to inform me/provide me with the information needed so that I could settle this debt within their guidelines. If known when it was going to charge off, I could've tried to make further arrangements. This would be a violation of FDCPA laws as a deceptive practice/misinformation
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 447XX
Submitted Via: Web
Date Sent: 2023-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-06
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXXcbna inquiry unauthorized
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92844
Submitted Via: Web
Date Sent: 2023-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-06
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: To. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing this email to you regarding an investigation and dispute that was closed by Citi XXXX XXXX on XX/XX/XXXX I recently became aware of fraudulent charges that were being placed on my Citi Credit Card. I called the number on the back of the card and reported it. My card in question, was cancelled and Citi issued me a new card while the Citi investigation took place. On XX/XX/XXXX I received a reply from Citi XXXX XXXX that stated that the investigation was completed and the dispute closed. It also states that I had given my account information for a series of purchases from the merchant and that Citi didnt consider this fraudulent activity. I had clearly explained the fraud to XXXX XXXX, I also offered supporting documentation showing the fraud. On XX/XX/XXXX, I responded to an email that said I had won a smart watch, one comparable with an XXXX XXXX. All I had to do was pay shipping. The website it took me to to collect my free watch was XXXX, At this website I was introduced to all the wonderful features of this XXXX XXXX XXXX. Being that I was recovering from a XXXX XXXX I had while also having XXXX, I figured that I could use the many medical tools it claimed to provide. I decided to pay the shipping and accept the free watch. This took me to a check out page. XXXX. On this page you input you credit card data and shipping address. No where on this part of the screen does it state or make you aware that you are going to be billed again. ( Please type them in to your browser or I can send you screenshots ) Apparently, this company uses this rip off product to enroll people into some sort of service that does not exist. ( See trustpilot reports ) Its called XXXX XXXX XXXX XXXX. This rip off company sends you a defective, cheap product, does not advise you that they will be billing your credit card for eternity and at will. And to top it all off, you never receive anything or any coupons or service of any kind. This my friends is fraud. You must clearly show that you intend to rebill, this fraudulent outfit billed my Credit Card at will for over a year. I did not agree to any such billing and worse is to receive a letter from Citi telling me its not fraud! I have some serious misgivings over the so called Security offered by Citi and the treatment I received. To continue to allow what Citi calls a merchant to operate in this fashion is protecting criminal behavior. Citi let me down, to the tune of {$810.00}. I am asking for reimbursement, and I am also asking that this fraudulent merchant is shut down from their rampant crime spree. Respectfully,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 955XX
Submitted Via: Web
Date Sent: 2023-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-07
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XX/XX/2018 I purchased an XXXX XXXX television from Costco. The purchase included a free extended warranty from a company called XXXX XXXX ( affiliated with XXXX XXXX XXXX ). The warranty was advertised on the store displays and literature to cover 5 years ( 1 year with XXXX, 1 year with Costco Concierge and 3 more years with XXXX XXXX ). Recently I noticed the tv was starting to show a line on the screen at times which has become more and more prevalent. I reached out to XXXX first and they stated they warranty the tv for one year while the actual panel was covered for 4 years. They said to contact XXXX XXXX. XXXX XXXX had me send an estimate to fix the tv as well as multiple pictures of my screen with different color backgrounds. They concluded that I had a burn in image on the tv that was not covered under their extended policy ( in the fine print ). Citi Visa which I used to purchase the tv also offers an extension of the warranty as well so I reached out to them.. When I contacted them they denied the claim stating that the tv was still under the XXXX XXXX warranty period and they would not cover anything until after the 5th year was complete. I reiterated to them that XXXX XXXX relayed that panel burn in was NOT under their warranty and XXXX 's panel warranty was 4 years. I didn't notice the issue until 4 years and 5 months ( though it had to have started happening much sooner during the XXXX warranty period based on the pictures sent to XXXX XXXX ) I started noticing the issue too late under their rules for XXXX to fix or replace the panel. The Visa warranty should have been activated for the panel starting after the 4 year panel warranty from XXXX..not from anything related to XXXX XXXX ( since the issue was never covered ). Please help. thank you much
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30080
Submitted Via: Web
Date Sent: 2023-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-07
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: The company closed my account without explanation. I called seeking an explanation and they stated my account was closed by a different department. I asked for contact information for this department so that I could speak with them and learn the reason for closure, but this department had no email address or phone number. I was provided only a mailing address to which I could address my query. Because my account is now closed, my reward points which have not yet been redeemed are now unavailable to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94588
Submitted Via: Web
Date Sent: 2023-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-06
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Dear, Macy/CBNA I the consumer recently checked my consumer report and noticed you are currently furnishing inaccurate information on my consumer report. The account mentioned in this notice is being reported as a charged off and charge offs/canceled debts are considered income according to irs publication 4681. Canceled debts and/charge offs are income and by law the only thing permitted to be furnished on the consumer report is debt. As a furnisher of my consumer report you have a duty to furnish accurate information under 15 USC 1681s-2. Failure to delete this charge is a direct violation of the law and continuance of furnishing this false and inaccurate on my consumer report after this notice will constitute immediate default in accordance with rule 55 of civil procedure. I also want the account to be updated to paid in full/paid as agreed since a 1099 C was filed on this account and I the consumer never received my copy.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 622XX
Submitted Via: Web
Date Sent: 2023-06-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-06
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: A fraudulent account was opened in my name in XXXX of XXXX. Citibank sent a pre-filled credit card to an address I moved out of and someone got the information from it, charging it over the max. The address was XXXX XXXX XXXX XXXX, which I moved out of in XXXX of XXXX. I did not find out about this account until XX/XX/XXXX ( I never received any statements about this card, only collections calls ) and immediately had it closed and disputed. My dispute was denied, forcing me to file an official police report and Identity theft report. I filed these reports in XX/XX/XXXX and re-disputed the fraudulent account, assuming it would be easy to see that I was a victim of identity theft. However, to my dismay, Citibank has been extraordinarily difficult to deal with. I constantly call their fraud department, several times per week, asking when this account will be taken off my name. Their fraud department is a complete disappointment. I was even told by one of the employees that the reason my dispute was denied is that XXXX am the ceo of the company of one of the charges on the card ''. I am, in fact, not a CEO of any company. I work fulltime in a medical lab. No one can get me connected to a supervisor or manager to speak with about this account. Every request to remove this fraudulent account has been ignored by Citibank. I need help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30096
Submitted Via: Web
Date Sent: 2023-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-06
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/2023 I erroneously sent a payment to my new Citibank Credit card for {$170.00} before I received my statement. I called the company when I noticed my payment wasn't credited. My acct was credited and I thought the problem resolved. However, the payment was reversed on XX/XX/2023. I again contacted the company many times without resolve, last contact was on XXXX/XXXX/203 with XXXX. I just noticed they reversed ANOTHER credit card payment paid on XXXX for {$270.00} on XX/XX/2023. I sent a letter on XX/XX/2023 without resolve and with documentation ( my bank statement indicating payments made and the welcome letter from Citibank with the prototype card that I erroneously made payments to ). I received notification that they did not have enough information to credit my accounts. I have since paid this account through their online system ( from the same bank account they are reversing the other payments ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34787
Submitted Via: Web
Date Sent: 2023-06-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A