Date Received: 2023-05-27
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: XX/XX/XXXX : Signed up for Citi Diamond Preferred credit card with 0 % intro APR on balance transfers for 21 months. As part of the online signup process, I did a balance transfer in the amount of {$5100.00} from another credit card, which was subject to a 5 % transfer fee on the {$5100.00}, calculating out to {$250.00} transfer fee. 1st Billing Period - XXXX : Bill arrives in mail with a total initial balance of {$5300.00} ( {$5100.00} + {$250.00} transfer fee ). My plan is to pay the credit card in full before expiration of 0 % 21 month promotion period. I made my 1st payment in the amount of {$250.00}. I get this monthly payment amount by taking $ XXXX {$250.00} and rounding down little. 2nd billing Period - XXXX : 2nd Bill arrives with new balance total of {$5100.00} ( {$5300.00} - {$250.00} from first payment ). I repeated the $ XXXXmo. payment all the way through Billing Period XXXX which had a due date of XX/XX/XXXX. This took my 21 Mo. 0 % APR credit card promotion balance down to {$3100.00}, with approximately 12 months remaining on the promotion period. Citi Flex Loan Offer : On Monday, XX/XX/XXXX I applied for a Citi XXXX XXXX in the amount of {$11000.00} to pay for a small home remodel. I was able to do this because Citi gave me an initial credit limit of {$14000.00} when I signed up on XX/XX/XXXX and I currently only had a credit card balance of {$3100.00} as of XX/XX/XXXX. The Citi Flex loan request was approved on Thursday, XX/XX/XXXX for the amount requested. The FULLY AMORTIZING LOAN TERMS are : Loan Amount - {$11000.00}, Plan APR - 5.99 %, Plan # payments - 60 months, with a FULLY AMORTIZING MONTHLY FIXED LOAN PAYMENT AMOUNT of {$220.00}, which is shown on the documentation I received from Citi. This is very important to remember and will be explained why below. Billing Period XXXX : Credit Card bill shows up in mail with the new Citi Flex Loan amount of {$11000.00} included on bill, along with existing 0 % APR Promotion Balance amount of {$3100.00}. New total credit card balance is now {$14000.00} ( {$11000.00} + {$3100.00} ). Moving forward, the plan was to make a monthly credit card payment in the amount of {$470.00} to Citi. This new payment amount is made up of $ XXXXMo. I have been paying on the 0 % APR Promotion Balance & now the new Citi Flex Loan fixed monthly payment amount of {$220.00} provided to me by Citi. This will allow me to pay off the 0 % APR Balance before promotion period expires on XX/XX/XXXX and then just keep making the $ XXXX/Mo. payment toward the Citi Flex Loan balance after that. Instead of the above happening, Citi is applying the entire {$470.00} monthly payment amount, minus the minimum payment amount due on the 0 % APR promotion balance portion of the monthly bill, to the Citi Flex Loan balance. IN ADDITION TO THIS, Citi is charging me additional monthly interest on the outstanding Flex Loan balance, even though the fixed monthly payment of {$220.00} is calculated as a FULLY AMORTIZING LOAN WITH A 5.99 % APR. This is how Citi calculated the monthly payment to be $ XXXXmo. Every month Citi adds an additional line item on my bill with additional interest to what is already calculated in the XXXX XXXX monthly payment. HOW CAN CITI CHARGE ME EVEN MORE INTEREST ONTOP OF THE AGREED TO FIXED APR INTEREST RATE OF 5.99 % ON A FULLY AMORTIZING LOAN?!?!?! I did not pick up on this error until early XXXX. I called and spoke with a Citi representative on XX/XX/XXXX and explained this clearly to him. He agreed with me, put me on hold and eventually got back on the line and informed me that he submitted a request to have this corrected. Instead of getting my next bill in the mail with the errors corrected, I got a letter from Citi that basically said pound sand and we can apply your monthly payment the way we best see fit. I have now received the next bill in the billing cycle and it has not been corrected. Citi is showing my 0 % APR promotion balance amount as {$2700.00}, when it should be {$1300.00} based on all the payments dating back to first bill.. Think of it this way, I have to pay off my current balance on the Citi Flex Loan of {$8700.00} with a 60 month payment term, before I can even attempt to pay off the 0 % APR promotion balance, which expires in XXXX XXXX. So now I have to wait for the higher interest rate APR to kick in on the expiration of the promotion period and most likely have to pay the deferred accrued interest charges from the promotion period, before I can pay this portion of my monthly bill off?!?!?! I am filing a formal complaint with your office to assist in this matter, as anyone I speak to via the Citi customer support line will not be able to fully process the gravity of this situation, nor will they have the authority to resolve the issue in a timely manner.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75248
Submitted Via: Web
Date Sent: 2023-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-27
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: To Whom it may concern, I think it is important to mention that I am XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX around XXXX XXXX I attended XXXX XXXX at a XXXX XXXX XXXXXXXX with a friend. About XXXX XXXX a young woman approached me from a booth to try a product on my face. I was really tired and sitting down sounding nice. After she applied the product on my face I asked how much the product sells for and she told me it was a special price of {$190.00}. I told her I was XXXX XXXX and barley live on my XXXX and could not afford it. After I said I could not afford it and some high pressure sales, I went ahead and purchased the {$190.00} skin care cream. I have a witness. I handed her my Costco Anywhere Citi Bank Visa Credit Card to pay for it. My witness saw me sign an XXXX for {$190.00}. After handing her my credit card she told me I was in luck and that a very famous and well known skin care specialist to celebrities was there. She told me he had been featured on XXXX, XXXX XXXX XXXX, she mentioned celebrities and magazine 's I can not remember now. She had him come over to meet me. As he was looking at my face, he asked me what my story was. The girl had apparently told him I was XXXX and could not afford the other products. As I sat there telling him my story about being permanetly dissabled, that I had recently got out of a dometic violent marriage and I was poor, he was applying product on my face. He had me holding a mirror up to my face. He whispered in my ear, as long as I promised not to tell anyone, he was giving a year 's worth of product 's for free to me. I was shocked as I have never had anything like this happen to me before. He told me he wanted me to have a fresh new start and he could do this for me. he mentioned he did not want me to tell anyone because then everyone would want products for free. I promised not to tell. He told the young ladies working in the booth with him to load up my bags. They were all saying how happy they were for me, dancing around and clapping. I was so stunned that I had tears flowing down my face. I was so gratful that he was giving me the items for free that I took a photo with him. The date stamped at XXXX XXXX. At about XXXX XXXX the man asked me to fill out my name addrress andphone number on a form so he could stay in contact with me. I filled it out. He had me sign and date the page and told me it just summarized my free products. there were no dollar amounts or anything on this sheet of paper. The girl still had my credit card and I asked for it back. She returned it to me. I left the vender, put the bags in my friends car and continued to walk around the XXXX XXXX XXXX show for a little while before leaving with my friend, On the morning of XX/XX/XXXX I checked my credit card as I odten do after making purchases. I was sick to see XXXX charges of {$320.00} and XXXX. I contacted Costco Citi Bank Visa Card Company immediately to report unauthorized charges to my account. Costco Anywhere Citi Bank informed my that the charges were over my credit limit and that I needed to increase my credit limit immediately. I agreed to it, under duress. They then filed a dispute of the charges on account and they told me not to worry. XX/XX/XXXX Under the advice of Costco Citi Bank I went back to the merchant at XXXX XXXX XXXX to return all the bags they had given me. None of the bags or items in the bags had been opened. i denmanded that they return the {$320.00} and {$3800.00} they scammed me. I have a witness. My witness has a video of this. XX/XX/XXXX The merchant informed me that they did not have the capability to refund me and could not accept the returned item because they were not affiliated with the actual merchant. They were a 3rd party. They were squite hostile. The merchandise was being advertised at the booth as Elevare Skin. Instead they presented me with an email address on a pink post it note to contact for a return shipping label to get a full refund. XXXX XX/XX/XXXX I called Costco Citi Bank to inform them that the merchant at the XXXX XXXX XXXX would not refund me my money. They told me over the phone that they did not have to and not to worry because they had put a stop payment and will be investigating my dispute. XX/XX/XXXX I called the police at XXXX XXXX to report the scammers at XXXX XXXX. The police showed up and walked over with me and my witness to the merchants. The merchants were hostile. They told the police that I will get a full refund when I send the email they had given me on the pink post it note. The police informed me that they could not file a report or help me because it was a Civil matter. It is IMPORTNAT to note that there were no signs or notices or verbal instructions that they had a no refund policy. I never received a receipt informing me either. XX/XX/XXXX at XXXX XXXX I sent and email to XXXX for a return shipping label and a full refund. XX/XX/XXXX I received an email from vitaliteaces, " Our refund policy is exchange only within 14 days as stated on your receipt and the form you signed. '' XX/XX/XXXX I informed Costco Credit Card of the email I received. Again I was reassured not to worry. XX/XX/XXXX I also sent and email to XXXX XXXX directly and they emailed me back informing me that they were sorry to hear about my situation but could not help me because it was a third party vendor. I repeatedly checked on the status of my dispute with Costco Citi Bank and asked if they needed any info or documentation from me. They continually reassured me that they are protecting me and if they needed any information from me they will notify me. On XX/XX/XXXX, I received noticed from Citi Bank that they had closed my dispute and that I had to pay. On XX/XX/XXXX When I finally recieved the " receipts '' I looked them up and could not find them. I searched thier address in XXXX XXXXXXXX XXXX and it does not exisit. I searched the zip code and it is in Minnesota. I informed Costco Anywhere Citi Bank Visa Credit Card Dispute Via email. IMPORTAT : I only signed the XXXX ONCE. There are XXXX different signatures. XXXX looks forged. On Friday XX/XX/XXXX I had an appointment with Citi Bank in XXXX in the afternoon. The gentlemen I met with was to help instruct me on what to send Costco Citi Bank. I have a witness. On XX/XX/XXXX I emailed Costco Anywhere Visa Credit Card my intent to reopen the dispute and sent what the Citi Bank Associate instructed me. On XX/XX/XXXX I recieved notice from Costco Citi Bank that they were working with the merchant or merchant 's bank to obtain a permanent credit. if the merchant or merchant 's bank will not accept, they will notify me. On XX/XX/XXXX I recieved notification from Costco Citi Bank that the merchant will not honor their request for a credit. since they are unable to obtain compensation from the merchant, my account has been rebilled. XX/XX/XXXX Filed complaint with XXXX Attorney General XX/XX/XXXX Contacted XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95682
Submitted Via: Web
Date Sent: 2023-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-28
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I am unable to allocate payments toward promotional balances. On XX/XX/23 at XXXX pm XXXX, I called XXXX XXXX XXXX XXXX XXXX XXXX ) to make a payment in the amount of {$260.00}, 100 % of which should go towards my promotional balance which expires on XX/XX/XXXX. I spoke with XXXX XXXX XXXX. My due date is the XXXX day of each month and my next payment due is XX/XX/23. I wanted to pay the promotional balance to avoid interest, but the Agent refused to allocate the payment as I requested. She stated that " she can take the payment but will not allocate 100 % of the payment toward my promotional balance, instead the payment will go towards the minimum monthly payment first ''. My due date is XX/XX/23. I have XXXX days to pay a minimum payment on XX/XX/23. When I asked to bring a decision-maker to the call, she stated that " there is no one above me ''. That means that the entire shift of Citibank reps was without a decision-maker to cover consumer issues. The policies of Citibank are designed in favor of a financial institution. Consumers have no way to allocate payments as needed in an effort to avoid paying interest. The policy now is designed in a way that if consumers want to pay down their XXXX special promotional balances throughout XXXX months each month, they have to pay a monthly minimum first and only then the remaining will be allocated toward promotional balanced. There is no flexibility given to consumers. Unethical and deceptive practices by Citibank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27587
Submitted Via: Web
Date Sent: 2023-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-27
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Citi bank credit card company agrees they owe me a refund of {$5.00}. However, while they insist upon sending me a check in the mail... they never do. Numerous emails, phone, and online chats indicate they will send the money, but it never arrives. Companies such as this one prefer not to apply refunds to the balance I owe them. Apparently, their policy dictates that refunds need to be sent by post. What is holding the process?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85635
Submitted Via: Web
Date Sent: 2023-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-26
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have been dealing with this nightmare for 7 years now. Macys and it's credit lenders are corporate bullies who pray on individuals. My Macys Credit Account was closed in XX/XX/XXXX. I was harassed and consistently bombarded by both Macys and a collection agency. I continued making payments on a closed account in good faith and I slowly noticed that Macys changed the information displayed on my credit report. In XX/XX/XXXX I realized they reported that my account was opened again even though it was indeed closed and I was not able to use my card again. It was clearly a relation move given the fact that I have made prior complaints to the CFPB and consumer agencies. At the end of XXXX, I called one of the many financials offices of Macys credit cards and offered to pay the {$500.00} in late fees that were accessed throughout time even thought I had already paid off my original balance. The associate on the phone said not to pay it because my balance is scheduled to drop off my credit report in XXXX. However today, XX/XX/XXXX, after calling 5 different departments, I learned that the company indeed reported that my account became delinquent in XX/XX/XXXX ( and not closed in XXXX ) and that it won't drop off of my report until XXXX!! When I asked what happened to my prior closure from XXXX, THEY SAID THAT THEIR SYSTEMS CAN NOT ACCESS DATA FROM XXXX! This is fraud and fraudulent activity in addition to targeted bullying. **Backstory on delinquency.. I changed jobs in XXXX and delayed on 2 months of pay on my Macys Card and they had no REMORSE. They immediately closed my account. I have an 100 % payment record on my credit report and prior to XXXX I ALWAYS paid my Macys account on-time. They are corporate bullies.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 074XX
Submitted Via: Web
Date Sent: 2023-05-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-26
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I received emails and physical mails regarding promotion for opening an accelerated savings account. Terms for the promotion will be listed at the bottom of my complaints. I opened the account In mid XXXX through the link sent to my email. I also called right after I opened the account to ensure I am enrolled and qualified for the promotion. I have kept my balances in the account for over XXXX $ USD to meet the qualifying deposit. When I didn't receive the bonus in XXXX, I called Citibank. The customer service ensured me that I've met all the requirement and I should receive the bonus by XX/XX/XXXX. However, when I called again in XXXX, they told me they couldn't find a promotion attached to my account, and refused to honor the promotion. I've done all the right thing to make sure I am enrolled in the promotion by applying through the link sent to my email and called in to be asked for enrolling in the promotion. I've tried to dispute it with Citibank, but no one can give me a specific reason except they couldn't find the promotion attached to my account, and that my account is a basic package that did not qualify for it. I can not talk directly with the " backend '' people who made the decision for the dispute and so far no one can tell me why I was not enrolled for the promotion. Terms for the promotion are listed below. In order to enroll, one can either apply through the link provided or call the representative to ask to be enrolled. I did both to double secure my eligibility, and it was clearly some mistake on the backend of Citibank that led to me being not qualified for the promotion. I am sure all the phone calls are recorded and I request Citibank to do their investigation and honor their promotion, or it would be a clear fraud/deception. *Important Terms and Conditions : Your Citi Accelerate Savings account will be opened in the Access Account Package. To waive the {$4.00} monthly service fee for a Citi Accelerate Savings account in the Access Account Package not linked to a checkless Checking Account, maintain an average monthly balance of {$500.00} or more. Citi Accelerate Savings Leveled Bonus Offer Qualify So long as you are at least XXXX XXXX XXXX, are a primary Citi credit cardmember, and have received a communication from Citibank inviting you to participate, you can apply to participate in the Citi Accelerate Savings Leveled Bonus Offer. Here are the required activities to qualify : First : Open a Savings Account. Open a new Citi Accelerate Savings Account as an owner in the Access Account Package between XX/XX/XXXX and XX/XX/XXXX ( Offer Period ). Certain Savings Accounts are eligible for the Citi Accelerate Savings Leveled Bonus Offer. Any Citi Accelerate Savings Account opened during the Offer Period that you continue to own until the end of the Maintenance Period in the Access Account Package can qualify for the Citi Accelerate Savings Leveled Bonus Offer. The Citi Savings Account product does not qualify for this offer. Second : Enroll. On or before XX/XX/XXXX, enroll in the Citi Accelerate Savings Leveled Bonus Offer. You can enroll online by clicking apply now on the link provided and following the instructions for online account opening or by contacting a Citibank representative by phone and asking the representative to enroll you in the Citi Accelerate Savings Leveled Bonus Offer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 65203
Submitted Via: Web
Date Sent: 2023-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-26
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: I rec 'd a letter dated XX/XX/XXXX from XXXX XXXX, Citibank, XXXX XXXX XXXX, with a statement that they needed to confirm that this was a valid application that I submitted and it provided a 4-digit reference number. I did not apply for this card and do not use XXXX for my gas. Several days later, I rec 'd the credit card ( not dated ). On XX/XX/XXXX, I called the # on the letter, XXXX. They answered fraud dept. I proceeded to explain that I did not apply for this card. In order to verify me, they needed my name, last 4 of SS #, address, DOB. I have never had to provide my DOB over the phone to any existing creditor I use. I felt I was being asked for way too much information. I repeatedly said I was not trying to be difficult but just very leary that they needed all of this info and if this was legit. The " CSR '' seemed very short and defensive. I was reluctant and hung up. I then called the # on the back of the card, XXXX. They answered " Consumer Protection Services. '' I questioned why they answered that way if this was supposed to be a customer service number. I, once again, explained the situation & specifically told them I wanted to close the account. I was told again in order to verify they would need my name, last 4 of SS #, address, DOB, an e-mail and a password. I told them I did not have a pw. Since I did not sign up for this card, I did not set up an online account. I was told this was to verify when they called me. I asked if they could tell me if there were any charges on the card yet and when it was applied for/processed. To provide this information, they would still need all of the info I had listed. Again, they were very short and defensive. I hung up again. Within one minute, I rec 'd a call from XXXX and said they just spoke to me and were calling from the fraud department. It was not the same person. I did not provide any info. Looked up this # on-line while I was on the phone and there are many reports of this # being associated with a scam. I told them this and said I was hanging up. There was no re-assurance that they were legit, just an ok. It is a shame that these scammers are misrepresenting CitiBank and as consumers, we are paying, in some way ( higher interest, fees, etc ), for all of these companies to have to combat fraudulent activity.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22602
Submitted Via: Web
Date Sent: 2023-05-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-26
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: In XXXX of 2021, I made what I thought was a legitimate purchase of an electric bike. However, after not receiving it, I contacted my local branch of Citibank and an investigation was begun ( I was told ). Since that time, I have been asked 6, ( YES, 6 ) time to submit the same information to Citibank and still have not received my funds. The charge of the bike was {$99.00} and {$12.00}. XXXX XXXX XXXX XXXX, plus {$2.00} insurance. The original company I thought I was buying it from, Wayfair, informed me after I contacted them that the site which sold me the bike was fraudulent and not a Wayfair site. Further, speaking to the local post office, I was informed that the 'alleged delivered " package weighed only 7 oz. I wish to file a complain on Citibank as I have been getting the runaround for 1 and 1/2 years now. I spoke to a representative who informed me the complaint was closed. I was never informed of it being closed, nor have I gotten my rightful refund in the amount of {$110.00}. How, I'm wondering, can a customer file a complaint, it be closed and the customer not be informed of the result of the investigation? As far as I knew, Citibank said they'd investigate. Apparently, someone dropped the ball here. I want to have them return what is rightfully mine, the money. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 65807
Submitted Via: Web
Date Sent: 2023-05-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-26
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: PLEASE NOTE : YOU HAVE THE WRONG PHONE NUMBER FOR ME!!!! YOU DID NOT GIVE ME AN OPTION TO CHANGE IT ONLINE FROM MY PREVIOUS COMPLAINT OF A LONG TIME AGO. MY PHONE NUMBER IS : XXXX BACKGROUND : On XX/XX/2023, I placed an order for {$190.00}. There was {$3.00} credit left on my card. The CREDIT CARD chopped up that amount into two amounts on that credit card, i.e., XXXX and XXXX. In answer to an email of today from the credit card company to " update '' my information, I happened to go onto the Home Depot CREDIT CARD website today, XX/XX/XXXX, and discovered that, according to them, I was {$180.00} OVER my credit limit! This was upsetting. I make a concerted effort NEVER to overdraw my account. I knew something was wrong, but there was NO INFORMATION on the website that would tell me what was going on, so I had to speak to a human being. ( 1 ) It took me about 20 minutes to get a human being to come to the phone. VERY difficult. The computer voice kept telling me that she did not understand my words. I am partially XXXX, so I always need to talk to a human being when trying to get a problem fixed, PLUS the web site did not have any information about this. ( 2 ) The first person I spoke to ( FINALLY! ) told me that the PENDING deduction from my account was not taken off when the ACTUAL deduction for the order hit my account, which makes it look as if I have ordered TWICE AS MUCH as was actually ordered. He told me it would " eventually '' roll over in a couple of days. I wanted him to notify people who are in charge of this function that I have a complaint about it because it looks bad for ME when they show that I have overdrawn my account, which I DID NOT DO! ( 3 ) The next person, a woman, told me that the PENDING CHARGE stays on my account for 7 to 10 days, REGARDLESS of whether or not the order has hit the account. ( I am assuming it is when the order SHIPS that this is when the 2nd charge is made to the credit card. ) I wanted this woman to tell me how to lodge a complaint about this or to notify the decision makers that this was a problem for their customers. NONE of my other credit cards or bank accounts or loans operate in a way that makes it look like I have overdrawn my account for 5 to 10 days out of the month! That's not right. INSTEAD of doing that, she dumped me onto the queue for the online ordering department of Home Depot, knowing that they would not be able to answer any questions about the CREDIT CARD, which is what I had called them about to begin with. I think she was trying to just get rid of me and also avoid getting an unflattering questionaire result at the end of the call. ( 4 ) When the next person came on the phone, after waiting for a LONG TIME, he said he would have to switch me back to Citi Bank. I had already been on the phone for a very long time, I had been treated disrespectfully by the second person with whom I spoke ( who said she was a supervisor ) and I was not going to go through the runaround all over again, and start from the beginning at the credit card company, all over again. So I hung up. WHAT I WANT : is for the PENDING charges to be removed when the ACTUAL charges hit the credit card, INSTEAD of the present situation, where the PENDING CHARGES arbitrarily remain on the account for 7 to 10 days, regardless of whether or not the actual charges have hit the account. I know they can do that
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NM
Zip: 871XX
Submitted Via: Web
Date Sent: 2023-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-27
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 originally opened a Citi financial card ending in XXXX with XXXX XXXX approximate date was XX/XX/XXXX I used the card for a few things and paid a minimum payment auto draft which was required for getting the card. At some point I realized that fraudulent charges were occurring so I called Citi financial to block the card and send me copies of paper statements, the statements. Then I realized an imposter had received a new card and number, and the entire time my auto draft was in place. I must admit I have been mentally challenged this past few years and I was not paying attention to my accounts. I have called several time to customer service and they dont recognize my account? but they keep calling me daily asking me for payment. I stopped auto draft that I did not realize was still going through after I stopped the original card someone else opened the new account ending in XXXX Please allow me to send the 3 inch stack of paper statements that were mailed to me XX/XX/XXXX I believe the Citi financial, XXXX XXXX are the culprits, also there was security breach I also was subjected to with my mortgage company XX/XX/XXXX I was issued 1 year of free credit report/alerts, there were too many to count. I would appreciate a call to discuss my most urgent need to recover my identity with Citi financial bank, again just today I spoke with a fraud specialist that would not tell me his last name, address my last payment over the phone was made XX/XX/XXXX. I really wasnt thinking correctly until recently Im waking back up now, please help, thanks
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98902
Submitted Via: Web
Date Sent: 2023-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A