Date Received: 2023-05-18
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: DEAR CFPB I, XXXX XXXX HAD APPLIED FOR A CARD WITH WAYFAIR. I NEVER HAD A CREDIT CARD BUT A VOUCHER SAYING I WAS APPROVED WITH THEM. THEY SENT OUT A DEFECTIVE PRODUCT AND WANTED ME TO PAY THE POSTAGE TO SEND IT BACK. WE ALL CAME TO AN AGREEMENT AND THE MATTER WAS SOLVED. IN RETURN I CANCELLED THE ACCOUNT THIS WAS ABOUT A YEAR AGO. IN RETURN THE COMPANY CREDIT BUREAU BEGAN TO CALL ME AND HARASS ME XXXX XXXX XXXX. I TOLD THEM THAT I DID NOT OWE WAYFAIR ANYTHING AND HOW THE MATTER HAD BEEN SOLVED OVER A YEAR AGO. I HAVE EMAILS STATING THE ACCOUNT WAS CLOSED AND SOLVED I ALSO HAVE THE INFORMATION ON A RECORDED MESSAGE. I INFORMED XXXX XXXX XXXX AND THEY DID NOTHING BUT KEEP SENDING ME EMAILS AND CALLING ME SAYING THEY DONT CARE WHAT WAYFAIR SAYS THAT I OWE THEM. IF THIS DONT STOP A LAWSUIT IS GOING TO BE FILED AGAINST BOTH PARTIES.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-18
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: We have a COSTCO Executive Member Business Citi Visa card. Numerous times our bills never make it to us and we have to call and withdraw it from our bank account. We were asked to keep on file which we declined. In XXXX our bill never made it, and here we are again in XXXX and we didn't receive a statement. This happened when we were living in North Carolina as well. On the other hand, our XXXX card as well as other numerous bills and cards ( such as XXXX 's ) manages to make it to our home each month. Yesterday, when we were at COSTCO, the woman told me that other people complained they didn't get their bills regularly. She said it was a CEO level decision to get a new credit card company to work with. It's obvious that they are doing this for late payments and penalties or to automate and withdraw from bank accounts. Please do something.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WV
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-18
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XXXX XXXX has XXXX both of my savings accounts, one of which my paycheck is direct deposit into. I have called them on XXXX, when I finally get to the correct department on XXXX, they wont tell me why exactly my accounts have been block. But the first time speaking to someone in the correct department they took all my employment information and told me they will review but cant tell me when the accounts will be un blocked.On XXXX I called again and ask them to tell me why my accounts are block again they wouldn't say, only that they needed more information on my personal worth! I provide that information and again they said they would review but they cant tell me when the accounts will be unblocked. I asked please expedite my request because my paycheck goes into that account and I need access to my funds.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85747
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-18
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: XXXX I went out to make arrangements for my vacation, using my credit card of a {$2500.00} limit. First step was to put down a trip deposit of {$1500.00}. This was done in person at XXXX 'XXXX XXXXXXXX. Next step was to buy my airline ticket which would put me to my max credit limit. When doing this online we would get up to the part where we would put my cc information, but the computer would say that it would not process. So we had to attempt it again. We tried this 7 times every time it would take the credit information but nothing more- it would never confirm purchase, never allow me to pick a seat, never asked for a name of passenger, never gave me a confirmation number, no email to say any went through. So I finally called the airlines and made my flight. Then I got a confirmation number and on the website could see all the flight itinerary. A month later when I got my cc bill I was charged 8 times for the same amount {$840.00}. This is well over my limit- why did it go so high? And why didn't the cc question fraud purchases from XXXX? I have been trying to work with credit card for the past few months but they are only working with airlines saying I bought XXXX flights. I have been trying to clear this with the airlines but they aren't responding. The day before my flight I found out they suspended my flight- after I had paid for in full. I ended up having to book another flight last minute. I still am being charged for all XXXX flights! But I had no flight to take when I traveled???
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NH
Zip: 03062
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-18
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 HAD AN EMERGENCY PLUMBING SITUATION IN MY HOME AND CALLED A PLUMBER, XXXX XXXX. I ASKED HIM FOR AN ESTIMATE, WHICH HE PROMISED TO EMAIL AND NEVER DID. HE THEN SAID HE WOULD BRING IT WITH HIM AND NEVER BROUGHT IT BUT WHEN HE DID SHOW UP HE TOLD ME THAT I NEEDED WORK DONE, THAT WAS A SURPRISE TO ME. NO OTHER PLUMBER IN THE 23 YEARS I'VE LIVED HERE HAS EVER MENTIONED IT. XXXX XXXX SAID THAT HE WOULD NOT DO THE EMERGENCY WORK UNLESS HE DID A BUNCH OF PIPE REPLACEMENT. THE MAIN PROBLEM WAS THAT MY SUMP PUMP WAS BROKEN AND WITHOUT THAT, MY BASEMENT WAS IN DANGER OF FLOODING AT WHICH POINT I WOULD LOSE A {$10000.00} BOILER, HOT WATER HEATER AND STORED ITEMS, NOT TO MENTION THE MOLD THAT WOULD HAPPEN WITH 5 FT OF WATER IN THE BASEMENT. AFTER SITTING IN FRONT OF ME WITHOUT A MASK ( I AM HIGH RISK OF XXXX FROM XXXX AND ASKED HIM TO WEAR XXXX WHICH HE DID NOT ) AND RUNNING RINGS AROUND ME WITH FAST TALK, HE BEGAN THE WORK. BY THE TIME HE FINISHED DOING WHATEVER HE DID, I WAS UTTERLY EXHAUSTED. HE NEVER ONCE PRESENTED ME WITH DETAILS ABOUT WHAT WAS DONE. THIS IS WHAT THE PROBLEM IS : -HE REFUSED TO GIVE ME PAPERWORK FOR THE SUMP PUMP SO I COULD REGISTER IT AND THEREBY GET A WARRANTY -HE REPLACED A BATHROOM SINK BUT THE WORK WAS SHODDY. HE ONLY REPLACED HALF OF WHAT WAS REQUIRED, LEAVING ME WITH OLD PARTS AND WITHOUT A TOOL, WHICH COMES IN THE BOX, TO REMOVE THE SCREEN TO CLEAN OUT DEBRIS FROM THE FAUCET. HE PROMISED TO BRING IT ONLY IF I GAVE HIM AT LEAST {$200.00} MORE WORK. HE REFUSED TO SEND IT IN THE MAIL. ADDITIONALLY HE REFUSED TO PROVIDE THE DETAILS OF THE FAUCET SO I COULD REGISTER IT IN ORDER TO OBTAIN A WARRANTY. I DO NOT EVEN KNOW THE MODEL NUMBER OR SERIAL NUMBER WHICH I NEED TO REGISTER IT. I DO NOT HAVE THE TOOL TO REMOVE THE SCREEN SO DEBRIS IS BUILDING UP IN THE FAUCET ( SLOWING DOWN THE WATER FLOW ). I CAN'T ORDER IT FROM THE MANUFACTURER BECAUSE I DO NOT HAVE THE MODEL AND SERIAL NUMBER. I REQUESTED HIS INSURANCE INFORMATION WHICH HE REFUSES TO PROVIDE. WHAT IS HE HIDING? I HAD ANOTHER PLUMBER HERE RECENTLY WHO WAS SHOCKED AT THE THINGS XXXX XXXX DID AND JUST AS IS SUSPECTED, THE WORK WAS UNNECESSARY. THE PIPES HE INSTALLED UNDER THE WASHING MACHINE ARE LEAKING AND I CAN'T GET TO THEM SO MOLD IS NOW GROWING UNDER THE MACHINE AND THE LEAK IS CAUSING DAMAGE TO THE STRUCTURE OF MY HOME. AS THE PLUMBER SAID : I'VE LIVED HERE FOR 23 YEARS AND WHEN I BOUGHT THE HOUSE I OBTAINED A CERTIFICATE OF OCCUPANCY, HAD THE HOUSE INSPECTED, HAD THE MORTGAGE COMPANY INSPECT IT, HAD CENTRAL XXXX HERE, HAD A VARIETY OF ESTABLISHED PLUMBERS OVER THE YEARS, HAD A PRIOR SUMP PUMP INSTALLED, HAD PRIOR PIPES UPDATED, HAD MY HOME INSURANCE INSPECTOR HERE, HAD THE TOWN WATER DEPARTMENT HERE FOR ANOTHER ISSUE WHO LOOKED AT ALL THE PIPES... AND AT NO TIME DID ANYONE EVEN MENTION WHAT XXXX XXXX SAID WAS ILLEGAL PLUMBING. HE SCAMMED ME. HE IS THE PROFESSIONAL. XXXX XXXX SCAMMED ME HE LEFT ME WITH WORK THAT WAS UNNECESSARY, REFUSED TO PROVIDE WHAT ANY OTHER NORMAL/HONEST PLUMBER WOULD PROVIDE. I CAN NOT REGISTER THE PLUMBING FIXTURES WITHOUT THE INFORMATION, CAN NOT CLEAN OUT THE DEBRIS FROM THE FAUCET HE INSTALLED, PIPES ARE LEAKING AND PARTS ARE MISSING. ME XXXX SCAMMED ME. I WANT TO ADD THAT XXXX XXXX IS A VERY SCARY PERSON ... WITHOUT GOING INTO INSULTING DETAILS..HE IS SCARY!!!! YOU WOULD NOT WANT TO TANGLE WITH HIM IN PERSON. I WAS SCAMMED AND XXXX XXXX DOES NOT ADDRESS EVEN ONE ITEM IN MY COMPLAINT. HE DID NOT RETURN TO FIX PROBLEMS, DID NOT PROVIDE NECESSARY DETAILS/PAPERWORK. CITIBANK IS SIDING WITH THIS PLUMBER SCAMMER WHICH IS OUTRAGEOUS. IF I DO NOT GET MY MONEY BACK I WILL CUT UP ALL MY CITICARDS AND NEVER USE THEM AGAIN. I WANT JUSTICE. SURELY THERE IS A LAW ABOUT SCAMMED AND INTIMIDATING A SENIOR CITIZEN. PLEASE RETURN THE MONEY I WAS DEFRAUDED OUT OF. XXXX XXXX HAS PROVIDED NO RESPONSE TO ANYTHING I'VE SENT TO YOU ... MY REASONS ARE VALID BUT XXXX XXXX CAN NOT DISPUTE THEM SO HE IGNORES THEM. YOU HOWEVER HAVE AN OBLIGATION TO ME, YOUR CARD HOLDER WHO PUTS TRUST IN YOU, NOT TO HELP A SCAMMER, DISHONEST PLUMBER, SWINDLER, GET AWAY WITH THE WRONGS HE HAS DONE TO ME. I CHECKED WITH THE XXXX XXXX XXXX AND CITIBANK HAS SOME TERRIBLY GOVT SUITS AGAINSTTHEM AND THE LOWEST RATING THE XXXX CAN GIVE. NOW THEY ARE SIDING WITH A RIP OFF SCAMMER.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 124XX
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-18
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I had an account with them, but I wasn't no longer ordering anything due to me losing my job and my house been broken in at the time. Someone was ordering things and was having it sent to my apartment. They knew when it was been deliver and they were meeting the delivery downstairs to pick up whatever was order.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23452
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-18
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I have been a customer of Citibank for over 20 years, and I have many different credit card accounts with them, including multiple general purpose cards and retail cards. They recently decided to not renew one of my accounts for no apparent reason. I have never been delinquent on any of these accounts, yet they have decided to essentially close an account for no reason. This has caused my credit score to drop by XXXX points as my available credit dropped as well as my average age of trades and credit history. I am extremely frustrated to have this adverse action taken on an account I have been paying on time for many, many years.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80112
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-17
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: CITI Mobile App advertised a balance transfer offer. Within the Citi Mobile app I accepted the offer and did a balance transfer to pay off my XXXX XXXX credit card of {$3000.00}. Citi bank approved the transaction on XX/XX/2023. Citi bank added the balance transfer of {$3000.00} to my Citi credit card, but my XXXX XXXX credit card still shows i owe them {$3000.00}. My balance with XXXX XXXX should be {$0.00}. I called Citi bank over 6 times to tell them XXXX XXXX never received the money. They have failed to help me out. Nothing on my statements show that XXXX XXXX was paid. This had been a frustrating process with Citi Bank and I no longer want to be a customer. I want this balance transaction reverted, since they have failed to pay XXXX XXXX. In addition, I can cancel Citi bank completely and no longer be a customer. They have been unprofessional in resolving this issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90048
Submitted Via: Web
Date Sent: 2023-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-17
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: As it appears on my credit report there are three accounts that have not been proven to be owed by me. These accounts are shown as : 1 ) - 01 Citibank on XX/XX/2022, the amount reporting is {$3200.00} by XXXX XXXX XXXX. XXXX ) - 08 Citibank NA reported on XX/XX/2022 by XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX The amount alleged is a balance of {$100.00} on XX/XX/2022. Before reporting these false and inaccurate accounts there was no investigation to substantiate these accounts and alleged claims that I owe these companies. I do not have a contract with these debt collection agencies and prood of indebtedness must be shown and proven beyond any doubt before reporting information on my credit report ( 18 USC 8 and 15 USC 1666b ) otherwise this breaks federal law and is considered defamation of character. Legal action will commence against these companies if this information is not removed promptly.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11213
Submitted Via: Web
Date Sent: 2023-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-17
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Citi would not cancel the Payment Safeguard fee that I asked them to cancel. They insisted it " protects my payments. '' I still asked that they cancel it. I called on XXXX XX/XX/2023 at XXXX. I wanted to know why I was being charged XXXX cents on a XXXX balance. I similarly called a few years ago and was told the same, and then hung up on. I found your site and am hoping I can be refunded all the fees Citi has charged me over the years.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44035
Submitted Via: Web
Date Sent: 2023-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A