Date Received: 2024-02-12
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 was charged {$980.00} to my credit card account on XX/XX/XXXX, from XXXX XXXX # XXXX XXXX, XXXX. The charge is in error because I returned the purchased item, but the merchant instead charged me an additional {$980.00} instead of issuing a refund. On XX/XX/XXXX, I purchased a bracelet from XXXX XXXX for {$980.00}. I returned the item on XX/XX/XXXX, and the seller promised to issue a refund. Despite repeated requests and attempts to resolve the issue directly with the merchant, I have not received the refund to date. Additionally, I filed a claim with XXXX on XX/XX/XXXX regarding this transaction ( XXXX XXXX XXXX XXXX XXXX. Despite the Bank stated the issue resolved, the disputed amount of {$980.00} remains outstanding on my account balance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97124
Submitted Via: Web
Date Sent: 2024-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-13
Issue: Fraud or scam
Subissue:
Consumer Complaint: On Monday, XX/XX/2024 I received a text message that stated Citi Alert Debit Card XXXX. Did you attempt {$300.00} at ATM XXXX XXXX XXXX on XXXX? YES=1, NO=2 or Sign On to Citi Mobile App : Citi.com/CitiMobileApp . Reply STOP to Opt-Out. As a result, I replied XXXX, which meant no. I then received a text stating This transaction has been declined. An associate will be in touch shortly. Meanwhile, I checked my online banking and noticed that there was some unusual activity on the account. So I called Citibank and told them I didnt authorize any purchases and they proceeded to turn my card off and send me a new one, which made me lose online banking access for the remainder of the day. On that same day, I received a miss call from the citi fraud specialist from the number XXXX which is indeed Citi banks general support number. Due to my phone being on do not disturb I missed the call. On the following day, Tuesday XX/XX/2024 I received a text stating A citi fraud prevention specialist did attempt to reach you on XXXX in regards to this matter. Would you like to schedule this callback for a more appropriate time? reply Y ( YES ) or N ( NO ) txt msg & data rates may apply. Me not thinking anything of it, I had them call me. At this time, they called me from that same number listed above, which I reiterate is citi banks actual number. Some guy comes on the phone and proceeds to ask me questions. This person by the name of XXXX was able to activate my new card. He then proceeded to tell me that it appears someone is trying to illegally wire money from my account. So I proceeded to login to my online banking at which time I see that a {$7500.00} transfer was made from my savings to my checking, that I did not authorize. This person proceeds to tell me that it appears that someone is trying to steal my identity and is going through all of these transactions that were attempted, to the point where they said they were going to set me up a new account due to all of this fraudulent activity that was appearing on my account. This person then proceeds to work me through what he referred to as a reverse wire so he had me wire him a total of {$16000.00} in increments of {$7000.00}, {$6900.00}, and {$2200.00} all of which were supposed to be getting transferred to my new account that he was making me due to the fraudulent activity. By the time I got off the phone it had been over XXXX hours and I had been wiped clean thinking that I was actually being helped. But I was actually being robbed on the phone and didnt know it. They were sending me specific numbers and saying that they were XXXX time reversal codes. On Wednesday, XX/XX/2024, I went into Citibank branch in XXXX, Md and told them what had happened to me, in which they indeed confirmed that I had been scammed. The lady at the branch immediately called the fraud department. The fraud specialist partially took my statement and told the lady at the branch to have me fill out affidavits for each wire transfer. They closed that account and opened me up a new one. I received mail today ( XX/XX/2024 ) stating that they denied my claim because they said my device was used during the transaction and I authenticated the request, which is COMPLETELY WRONG. I have NEVER pulled money out of my savings account which is why I was able to have {$15000.00} in there untouched. I was a victim of scam and Citibank is not trying to help me get my money back!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21061
Submitted Via: Web
Date Sent: 2024-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-13
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: XXXX XXXX, XXXX XXXX unknown bill charged masa up my credit profile
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95307
Submitted Via: Web
Date Sent: 2024-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-12
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I had a Best Buy credit card that works with Citibank. After a while I realized that they charge a very high interest and a lot of fees on top of that, and decided to pay it off and never use it again. On the XXXX of XXXX I paid off the total amount of {$2300.00} and having a total amount to pay of {$0.00}!!! At that time I didnt know better than to cut off in small pieces and throw away my card since I wasnt going to use it again. One morning in XXXX I received an email saying that I have to pay my minimum amount due, and when I went online I found that I have a balance of {$170.00} to pay. Of course I was confused with this situation so I gave Citibank a call to find out what happened. They said that there was a chargeback of {$85.00} and with the fees and purchases it went up to {$170.00}, and refused to do anything about it. I must say that my bank does not show a charge back of {$85.00}, the money was paid and never came back to my XXXX XXXX XXXX account. When I checked the statements again it was shown that there is a purchase of {$81.00} that I NEVER used, since I threw away my card. I will attach the statements described above. Please contact me for additional information. I refuse to pay this amount to the bank, these are invented numbers that I dont have knowledge of.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29707
Submitted Via: Web
Date Sent: 2024-02-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-11
Issue: Getting a credit card
Subissue: Problem getting a working replacement card
Consumer Complaint: Citi Simplicity Credit Card Complaint I have made more than 10 calls related to get my credit card from Citi Simplicity. This is because the card has never arrived at my address. And it was approved on XX/XX/XXXX, and we are in XX/XX/XXXX, and it is not properly delivered. I solicited this card to buy two bikes. They send to me a email that say that I can spend {$1000.00} for start. And my card will be delivers soon. And then the problem begins. They send to me a card with XXXX XXXX in XXXX XXXX. The card was return to the Citi simplicity facility because I will never take the card. But the problem is that XXXX never notified me about the arrive with a label card or a call. I miss the letter because they are inefficient. Well, when I call Citi and tell them the situation, they close my account and tell me that they will be deliver another card with a new number. I have waiting for the card since XX/XX/XXXX. We are in XX/XX/XXXX and itss not here. I call them on XX/XX/XXXX and they tell me that they send me another card. Its not delivered again. That is the thing with this company. I say to they that I start to think that they are a fraud. I really need answers. They are lying about the delivering all the time I call them. And they say that they have wrong address, and XXXX must reprise my address continually every time I call the bank. But the curious thing is that I received the billing letter from Citi Simplicity charging. And they don't have my right address? The company uses a XXXX ( XXXX ) that does not work efficiently in XXXX XXXX. Well, they don't leave a notice or call to notify that a letter has arrived. I let them know my concern in all the calls made and they mention that they will be shipping it again with XXXX and other Citi agent say that they will send to me with regular post office ( USPS ) and it is not shipped. It has been too late, and I want to know how we can resolve this matter once and for all.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PR
Zip: 00716
Submitted Via: Web
Date Sent: 2024-02-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-11
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: The problem started when I disputed a {$200.00} credit card charge. My initial dispute was caused by not recognizing the charge, but ultimately it turned out that the dispute basis was for merchandise not received ( a gift certificate ordered in response to the merchants XXXX XXXX promotion ). The merchant also charged the wrong amount, failing to honor the promotion it sent me, and then never sent the merchandise it claims it delivered. The merchant never provided proof of delivery, and never provided any evidence that the gift certificate was used or otherwise applied. Ultimately Citibank would not credit me the {$200.00}, saying the merchant would not honor the chargeback. I objected to Citibank, stating the fact that the merchant will not honor the charge back is consistent with this fraudulent business practice ( not honoring the promotion and not delivering the gift certificate ). Thereafter, when I asked the merchant about the missing gift certificate, it was sent to me. I was told it was good for any merchandise and it did not expire. Later, when I tried to use the gift certificate, the merchant told me that because of the charge back request, the gift certificate was voided and I was banned from ordering anything from the merchant. I immediately wrote to Citibank, asking for the dispute to be reopened, and reiterated the events where the merchant refused to honor the charge back, but has voided the gift certificate and banned me from any transactions, and asked that the {$200.00} credit be reinstated permanently. Citibank refused my request without any explanation ( enclosed ). In effect, Citibank has partnered with the merchant to steal {$200.00} from me. This is not what I expect from a major national bank, and if it is not illegal, it should be.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94526
Submitted Via: Web
Date Sent: 2024-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-11
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: On Sunday, XX/XX/2024, I was trying to purchase XXXX XXXX tickets when I saw an advertisement on the reservation page for a AAdvantage credit card from Citibank. If I applied and received immediate approval, I could use the credit card for the flight purchase and receive a number of benefits, including priority boarding, no baggage fees, etc. I applied for the credit card and got immediate approval. HOWEVER, the credit card number was not shared in an email or on the Citicard website. I am unable to use the card to make this payment. Therefore, I can not get these benefits which were promised in the advertisement on the website. I spoke to XXXX different offices and was told I have to wait 7 to 10 days for the physical credit card to arrive before I can use it and receive these benefits. I can not wait the 10 days as the trip is coming up shortly. In addition, when I went back onto the XXXX XXXX page to make the flight purchase, the flight prices rose ( just 1.5 hours later ). This is for the exact same purchase.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 085XX
Submitted Via: Web
Date Sent: 2024-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-11
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My mother is XXXX XXXX XXXX and has XXXX, I have a POA for her which also gives me access and control to her financial affairs. She has a joint bank account with her husband from whom she is separated and has not been in contact with for many years. His last known residence is in the XXXX, but no one has been able to find him. I went to the bank with my POA and requested access to the account, they declined. I asked for a written reason which they sent in a letter dated XXXX, XXXX XXXX. The reason for denial of the request is that they would require written permission from the other joint account holder before they could honor the POA. My lawyer is of the opinion that the POA gives me access to all her financial accounts. And indeed it was accepted by XXXX XXXX XXXX, The account is active and continues to receive a monthly social security XXXX. However, because of the banks refusal to accept the POA we are unable to access the funds and to our knowledge neither has her ex husband. Because of her XXXX, my mother is unable to go to the bank to gain access to her account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33411
Submitted Via: Web
Date Sent: 2024-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-11
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I noticed on my credit statements there are 4 different interest coming out of my payments. 1, Standard Purchase ( I understand ), 2 Purchase prior to XX/XX/XXXX, 3. Purchase prior to XX/XX/XXXX, 4. Purchase prior to XX/XX/XXXX ( 2 of these each with an amount ), 5. Purchase prior to XX/XX/XXXX. Some of the APR 's are 17.49 %, 2 are 12.49 % which I was told was grandfathered in. I made an XXXX sheet going back to to the statement of XX/XX/XXXX to XX/XX/XXXX. On the interest that goes back to # 's 4 & 5, it show the interest going down after each payment, then the next payment the interest due increases. This makes no sense to me. On my last statement the interest for example # 3 was {$1.00}, but when I got my statement this week it was {$1.00}. I understand it isn't much but doesn't make sense to me. I called Citi Bank 3 times, and could not get an answer that made any sense to me. I aske to speak to a supervisor, a person got on the phone, but still did not answer my question. I asked to speak to someone that is over her. She asked me if it was her accent why I couldn't understand her. I told her no. She had nothing more to say. I told her I would get an answer some other way. My question is why are there 2 different Interest amounts that I am being charged for XX/XX/XXXX, is the interest prior to XX/XX/XXXX just from XX/XX/XXXX XXXX? Thank you for your attention in this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 015XX
Submitted Via: Web
Date Sent: 2024-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-12
Issue: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: This is an issue related to a Citi Home Depot Credit Card XXXX. In XXXX of XXXX I was notified that another Citi Home Depot customer was using my social security number. I contacted Home Depot Customer Service to no avil. I submitted a complaint through CFPB see.. XXXX. You submitted the info to Citi. I provided Citi Bank with a copy of my Texas DL, my US passport, and a copy of my social security number. Citi initially denied my resolution and advised that I needed to get a letter from Social Security to prove that the social belonged to me. I scheduled an appointment with the XXXX social security office. They provided me with a statement that showed that the social security number belonged to me ( XXXX XXXX XXXX ) and not XXXX XXXX. Upon submitting the information, Citi reached out to me and advised that this was an internal mistake and they would remove XXXX XXXX from my social security number. They also credited my Home Depot account a {XXXX for my trouble. Fast forward - I was shopping at home depot on XX/XX/XXXX and XXXX/XXXX/XXXX. As I was checking out, using my home depot credit card - I notice that XXXX XXXX has been added back to the account using my social security number. How can Citi Bank get away with this practice? I'm more concerned now, since have given Citi more of my personal business such as additional credit cards and a savings account. I am concerned that they are allowing others to use my social security and is not taking this issue serious. I am also concerned that your company closed the account without having showing the final outcome from Citi Bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76135
Submitted Via: Web
Date Sent: 2024-02-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A