Date Received: 2023-05-23
Issue: Fraud or scam
Subissue:
Consumer Complaint: I, XXXX XXXX, am in New York, XXXX. I found this website ( XXXX which seems to be an authorized dealership in the XXXX ) couple weeks ago, and I got interested in one of their trucks ( ref XXXX ). I bought it on XX/XX/2023, after the collection of the funds, I havent received any meaningful updates. I was first told that the truck will be shipped on XX/XX/2023 and that I was going to get my XXXX and some dismantled parts shipped to my location in New York even though the truck is going to XXXX port, after saying that, there has been a very scary and troubling silence as I didnt receive any XXXX nor other updates about the shipping. I tried to talk to my usual interlocutor and other possible contacts on the website but nothing was possible. I feel betrayed, scammed at this point. My bank failed to caution me on any risks, not even the size of the money $ XXXX, they also failed to act fast enough when I told them that I was defrauded, the beneficiary bank has clearly acted as a complice in the process.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10027
Submitted Via: Web
Date Sent: 2023-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-23
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I have had an account for a few years, recently ( XX/XX/2023 ) I choose to us the card. After not receiving a PAPER bill I contacted the bank in an effort to ensure the billing address and contact information was correct/current. to my surprise I was told I was enrolled in a an email/automated which i never requested for. I have always paid my bills with paper checks. this was a mistake the bank made, my fear is now my credit rating will be negativity with late fees, past due, and increased rates/fees. As of Monday, XX/XX/2023 I am still trying to get this resolved and I have not received the requested PAPER bill. Citi Bank is being deceptive and dishonest!
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: 2023-05-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-22
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Im very upset with Citibank and how they closed my Wayfair MasterCard account and Best Buy visa its not fair I was unaware that they did this to me and would like them reopened
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11365
Submitted Via: Web
Date Sent: 2023-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-22
Issue: Problem with cash advance
Subissue:
Consumer Complaint: On XX/XX/2023, the sum of {$5700.00} was wrongfully and improperly charged to my Citibank Checking Plus Line of Credit. Although providing Citibank with a formal Billing Dispute with regard to this charge pursuant to Section 1026.13 of the CFPB Rules on about XX/XX/XXXX, I have not to date received any acknowledgement or other communication from Citibank in response to this Billing Dispute notice. Please see the attached copies of my Billing Dispute notice, as well as the Certified Mail Receipt and Return Receipt for such notice. The 30-Day period for Citibank to respond to my Billing Dispute has apparently expired. Also, Citibank continues to make efforts to collect the amounts disputed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11758
Submitted Via: Web
Date Sent: 2023-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-22
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 ordered an e-gift card from Macys for {$100.00} on XX/XX/XXXX to be sent to my home email and it was never received. The order number is XXXX. I called right away to let them know it was not received and they should cancel it but was told to wait a couple of days because some times it takes that long to get delivered. I have called Macy 's customer service at least 6 times to date and have repeatedly told them that the gift card was never received. Every time I called I was told the {$100.00} was in the process of being credited back to my Macy 's credit card account and I would see the refund posted in 3-5 business days. Today I called again ( 22 days later ) to ask when my refund would be processed and was told that the gift card was intercepted by some fraudster and since it was used I would not be getting my money back. Had Macy 's cancelled the card when I first called on the day it was ordered it would not have been able to be fraudulently used. Macy 's policy states that once a gift card is delivered if it is lost or stolen the customer is responsible but this card was never received by me which is evidenced by my numerous phone calls to their customer service department. As a result, I respectfully ask that you please help me obtain a refund for the {$100.00} e-gift card that was never sent to me by Macys.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11793
Submitted Via: Web
Date Sent: 2023-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-22
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I have disputed fraud charges with H.depot since XX/XX/XXXX. I have submitted bank statements, police case number, and all disputed documents to the store and citibank. H.Depot credited the account, issued a new cc and terminated the fraud account per our conversation. Once I used the new card, I made a purchase and the store decided to add the fraud charges back. Citbank sent a letter below and I responded.I received the below email : We completed an additional investigation into your claim of unauthorized purchases on your account. We determined you are responsible for the charges in question. Our records indicate you did not report the unauthorized purchases in a timely manner ; however, payments were made on the account and the balance was not questioned. We have attached copies of the letters sent on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, for your review which includes additional information. As of the date of this letter, your account is currently past due {$29.00} with a Minimum Payment Due of {$70.00} on or before XX/XX/XXXX. Thanks for your inquiry. We'd like you to know that it's important to us and we appreciate the opportunity to respond. As I have stated in my previous email, I am NOT RESPONSIBLE FOR THE CHARGES IN QUESTION!!! AS I STATED, AS A CARD HOLDER WITH GREAT CREDIT WHO IS AN OWNER OF A COLLECTION AGENCY, I AM AWARE OF MY RIGHTS! I DID NOT PURCHASE THE ITEMS. I REPORTED THE FRAUD ONCE I BECAME AWARE OF THE FRAUD. CITI BANK IS AT FAULT FOR TELLING ME AS A CUSTOMER THAT I DID NOT REPORT THE CHARGES IN A TIMELY MANNER. THERE IS NOT A TIME FRAME TO REPORT FRAUD. IT IS REPORTED ONCE DETECTED. I PAID MY ACCOUNT BECAUSE I PAY ALL OF MY ACCOUNTS ON TIME. I HAD VANDALLISM IN MY HOME AND MY CARD WAS STOLEN. DUE TO THE VANDALLISM I WAS MADE AWARE OF THE FRAUD AND REPORTED IT IMMEDIATELY. I PAID FOR THE ITEMS I CHARGED AND THESE CHARGES ARE FRADULENT THAT WERE REPORTED! I AM NOT RESPONSIBLE AS I STATED IN MY PRIOR EMAIL AND THEY WILL BE DISPUTED. I WILL FORWARD THESE NOTICES TO MY ATTORNEY! I WAS ASKED TO SUBMIT MY BANK STATEMENTS FOR THE MONTH THAT THE FRAUD OCCURED AND I SUBMITTED TO HOME DEPOT ON 4 OCCASIONS. I WAS TOLD THE PURCHASES WERE MADE IN STORE. IT IS YOUR OBLIGATION TO DO AN INTERNAL INVESTIGATION AND PULL ALL CAMERA RECORDINGS. DO NOT BILL MY ACCOUNT FOR THESE FRAUD CHARGES.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30017
Submitted Via: Web
Date Sent: 2023-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-22
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Attempted to use XXXX XXXX Account to check for fraudulent activity and have been locked out of my on-line account. Spent XXXX hours on phone with XXXX different representatives. Resolution : Account on-line will remain locked from XX/XX/2023 until up to XXXX months for the new cards to arrive. I can understand locking the purchasing status of the card in this situation but they will not allow me access to the on-line account. I am on Paperless Statements so I have no way to see what might be going on.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NM
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-22
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Unresolved Access Issues with Citibusiness Credit Card Account I am writing to express my deep concern and disappointment regarding the prolonged denial of access to my Citibusiness credit card online account. Regrettably, this issue persisted for over 30 days, rendering me unable to make timely online payments. Upon realizing the situation, I promptly contacted the customer service helpline in an attempt to rectify the problem. However, the representative I spoke with declined to process my payment and advised me to call back the following day. Subsequently, I followed their suggestion only to be instructed to call again on Monday. The frustrating cycle continued until I was eventually granted permission to make a payment on Monday. Additionally, I was informed that Citibusiness was undergoing a transition to another credit card, resulting in my inability to view my charges, access my account online, or make any payments. I must express my profound disappointment with this predicament, as I have yet to gain access to my account despite the considerable time that has passed. Such actions on the part of Citibusiness do not align with the standards I would expect from a valued business partner. It is essential for me to have access to accurate and up-to-date information regarding my account for financial planning and record-keeping purposes. Citibusiness did not take care of me, or my account. XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28803
Submitted Via: Web
Date Sent: 2023-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-22
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/2022 and on XX/XX/2022, two unauthorized charges were made to my credit card. The card is issued by Citibank. Both charges were made with a company named " XXXX XXXX ''. The charges were for {$61.00} and {$76.00}, respectively. After notifying the credit card company of the unauthorized charges, they sent me a response that stated the charges were authorized because the " chip '' in the credit card had been used for the transaction. I did not make these transactions. They are fraudulent however the credit card company has made a determination they are authorized charges. I did not make any purchases with the company " XXXX XXXX '', who according to their website lists them as " provides a unique blockchain-based payment infrastructure allowing for instant funding ''. The credit card company needs to provide me proof that the credit card chip was present for the transaction because they are stating they are not responsible for the fraudulent charges.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21401
Submitted Via: Web
Date Sent: 2023-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-22
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: The company has received a credit card debt from CITI back for a credit card I owned. The account was handed over to XXXX XXXX XXXX to be settled. It was settled at a lesser amount and now they have put a collections on my credit for the full amount not the settled amount.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 206XX
Submitted Via: Web
Date Sent: 2023-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A