Date Received: 2023-05-17
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XX/XX/XXXX XXXX writing to you today to dispute the Negative score to my credit. It shows that I have XXXX late payments. I never made any payments so this is a complete lie. I had been dealing with this issue since XXXX XXXX. On XXXX XX/XX/XXXX on finally received the funds from XXXX to pay off my account to them. Attach is a copy of the check I sent to them for final payoff. The balance transfer fee was waived by Citicards so my balance owe is XXXX. Below is a summary of all correspondence with Citicards and XXXX XXXX. You may reach out to the contacts from XXXX XXXX to verify this incident. I filed a XXXX transfer online with CITI cards. The amount was for {$7700.00} to be transferred to the consumer 's XXXX Bank account. However, the consumer accidentally gave them the wrong account number. The consumer had XXXX accounts and that one was closed. XXXX then sent back the funds to Citicard through a check in the mail on XXXX XXXX. The check was cashed/deposited on XXXX XXXX XXXX. The consumer has a copy of this check from XXXX. Citicard says they never cashed it but XXXX XXXX says they did. Almost XXXX year later and the consumer can't get it fixed. Citicard has been sending the consumer bills and has ruined the consumer 's XXXX XXXX. The consumer never received any funds from them but still they request payment. Thanks. XXXX XXXX CITICARD BALANCE TRANSFER LEDGER CITI CARD # ( XXXX ) CITIZENS BANK # ( XXXX ) XXXX from XXXX. XXXX CASE # XXXX XXXX XXXX XXXX FAX : XXXX XXXX XXXX ( XXXX ) Supervisor Email : XXXX XXXX from XXXX XXXX ATTN : Payment Investigations XXXX from XXXX XXXX XXXX. CitiCard sent {$7700.00} to old XXXX account on XXXX XXXX XXXX XXXX. XXXX bank said it sent money back on the XXXX of XXXX and Check was cashed on XXXX XXXX XXXX CHECK INFO : CHK # XXXX DATED : XXXX XXXX, XXXX AMOUNT : {$7700.00} CASHED ON : XXXX XX/XX/XXXX. SENT TO : CITI BANK XXXX : XXXX XXXX XXXX XXXX Citi XXXX XXXX Bldg # XXXX, Floor XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX, XXXX : Called XXXX bank and talked to XXXX, She gave me all the check info for Citibank, called Citibank and was disconnected after requesting a second supervisor. XXXX. XXXX XXXX XXXX Talked to XXXX about a copy of the sent check to Citibank. Will get back to me in a few days. Then called Citibank and talked to XXXX and they required a copy of the check. XXXX. XXXX XXXX. XXXX, XXXX from XXXX called to inform me that the FAX # I gave her from Citibank isnt working. I told her I would try to get her the correct number. XXXX. XXXX XXXX, XXXX Called Citibank and talked to XXXX about wrong fax number. She gave me the correct number. I then called XXXX bank and left the fax number with XXXX. XXXX. XXXX XXXX, XXXX : Called Citibank talked to XXXX to verify if they received a copy of the cancelled check from XXXX Bank. They informed me that they need to look into it again. Need to Call next week. XXXX. XXXX XXXX, XXXX : Called Citibank talked to XXXX and then XXXX to verify if they received a copy of the cancelled check from XXXX Bank. They said they received the copy and are processing it now, will get back to me. XXXX. XXXX XXXX, XXXX. Called Citi again and explained what happen. They said they never received check and working on it. XXXX. XXXX XXXX, XXXX. Called Citi and talked to XXXX ( XXXX ) about closing account and he wanted me to send an email with a copy of the return check from XXXX Bank. Asked if someone can call me back the following week. No one ever called. XXXX. XXXX XXXX, XXXX. Received letter from Citi, stating that they never cash the check from XXXX Bank. Unbelievable. XXXX. XXXX XXXX, XXXX. Called and was put on hold and then was kicked off. Recalled and spoke to XXXX ( XXXX ). Same old feedback. Need copy of check again. Sent it today. XXXX. XXXX XXXX, XXXX. Finally reach someone higher at CitiBank. Talked to XXXX, she was very nice and explained what happened. She gave me her phone number and Email. She said to send her a copy of the cancelled check. And will get back to me on XXXX or Wednesday. Sent copy of check to email that she provided. XXXX. XXXX XXXX, XXXX. Called and left a message with XXXX. XXXX. XXXX XXXX. Talked to citizens bank and are going to request a back check of the money sent back to Citibank. XXXX. XXXX XXXX, XXXX. Received letter from XXXX. Letting me know they reached out to Citibank about this debt. XXXX. XXXX XXXX. Called and left message with XXXX from XXXX bank. XXXX. XXXX XXXX, XXXX. Called Citibank about payoff. No progress! XXXX. XXXX XXXX, XXXX. Called XXXX from XXXX and left message. XXXX. XXXX XXXX, XXXX. Called XXXX from XXXX and left message. XXXX. XXXX XXXX, XXXX. Called XXXX from XXXX and stated she still is waiting for a reply from Citibank. XXXX. XXXX XXXX, XXXX. Called XXXX from XXXX and left message. XXXX. XXXX XXXX, XXXX. Call the RI Attorney General XXXX and they referred me to XXXX. ( XXXX ). XXXX. Filed an Official Complaint with XXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX from Citibank called and said that the money was sent back to XXXX because it didnt have an accnt # XXXX. XXXX from citizens called and told me she talked to XXXX from Citibank and they discussed the money issue. She said it will take a week or so to find the money. She said she would call me bac. XXXX. XXXX XXXX, XXXX. Never got a return call from XXXX. Called today but no answer. Left message to call me. XXXX. Called on dec. XXXX and XXXX. Left message with XXXX at XXXX bank. XXXX. XXXX XXXX, XXXX. Called XXXX at XXXX and left message that no one will return my call. I said I will have to file a consumer complaint. Later that day I Received call from XXXX and XXXX on my voice mail. XXXX informed me that they sent back the XXXX check back to Citibank. She said she will call XXXX from Citibank and discuss the issue. XXXX. XXXX XXXX XXXX. Called XXXX bank and left message. XXXX. XXXX XXXX XXXX. Filled XXXX more complaints with CFPB against CitiCard and XXXX Bank. XXXX. Received call from XXXX from XXXX Bank XXXX about my complaint. I gave her the contact at Citi. XXXX. XXXX XXXX XXXX. Had another call with XXXX. They are going to try to reach out to Citi again. XXXX. XXXX XXXX XXXX. Finally received the funds from Citicards and sent payment of {$7700.00} XXXX. XXXX XXXX. XXXX. Citizens bank finally received/found the money from Citibank and sent a check for the {$7000.00} to them. XXXX. At no time did I make any payments to Citibank do to the fact I never received any transfer funds from them. My XXXX late payments should be removed from my XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: RI
Zip: XXXXX
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: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I opened a 3 month Certificate of Deposit account with Citibank on XX/XX/XXXX. The account matured on XX/XX/XXXX, and I closed the account on XX/XX/XXXX. I was told that the check ( which amounted to over {$50000.00} ) would arrive in 7-10 business days. After XXXX business days passed on XX/XX/XXXX and I hadn't received the check, I called their customer service line and was told that the check should actually take up to 20 business days. I then waited until that time period passed, and the check still hadn't arrived. I called again and was told that the account closure had been done incorrectly as a checking account instead of a CD, so that had to be resubmitted. The new estimated date for check arrival told to me was XXXX. In order to ensure the check was delivered, I was told to expect a phone call from XXXX between XXXX so that the postal service could confirm that I would be home to sign for the check. After not hearing from XXXX on XX/XX/XXXX, I called Citibank back to ask about the status of the check/whether or not it had been shipped, since it presumably only had the next day to arrive. I spoke with another customer service representative who said that the check was still held up in the " back office '' and that they could not provide any more information. I was advised to call back on XX/XX/XXXX to be provided a tracking number from the XXXX. I called back on XX/XX/XXXX and was told that Citibank/the " back office '' does not provide tracking numbers for checks ; they only do that for credit cards. The withdrawal form was also still filled out incorrectly, so this new customer representative assured me she had made the corrctions and submitted it again. Additionally, they were unable to tell me when I could expect the check. The only information I could be provided was that the check had been reisssued, that they would contact the " back office '' again to get an update, and that I would receive an email update within 24 hours. If I didn't receive an email within 24 hours, I should call them back to figure out what was going on. Throughout this entire process, I had been asking for a tracking number, for expediting shipping, or any way to ensure that my money could be delivered in a timely manner. I was ultimately told that these were not possible. Additionally, I asked to speak with a supervisor or manager ( or someone who could answer my questions about how things were filed incorrectly ) and was denied that everytime. I also asked if there was a place I could file a complaint, and the last customer representative said that she was the person do to that and would be doing so, although I never received confirmation. At this point, I'm not sure if I will ever receive the XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 775XX
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: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: While paying off my Credit cards I accidentally overpaid my Citi Costco VISA. I sent the incorrect amount to Citi by approx. {$7900.00} on or around XXXX. I did not realize this until I looked to set up a payoff for charges I was making during XXXX, that I noticed the credit balance. I was using the card in XXXX and the credit balance is now {$67000.00}. I waited a week after discovering my error as to let any charges go through. Once I was confident there was nothing pending, I phoned Citi on XXXX to request my credit balance returned. The conversation was pleasant and the customer service agent was very helpful and said I would have my funds direct deposited within 3-5 business days. They did not that sometimes these need to be approved by management, however, he said this one looked to be approved. I waited 5 business days and nothing was sent to my checking account. I phoned on XXXX and requested to speak with a supervisor/manager. The manager understood the issue and explained they would expedite the payment and I should receive it within 2 business days. Again everyone involved was very helpful. I waited and 2 business days passed and no funds were deposited into my account as was explained would happen. I phoned Citi on XXXX and again asked to speak with a manager, and went over the whole situation again. It was explained that this refund of my credit balance was being reviewed, however not approved. I expressed my displeasure and explained that based on what I know they are in violation of Regulation Z, as I had given them notification I wanted my funds returned and they are required by law to send my funds back within 7 business days. I still do not have my funds and it is still not clear when these funds will be returned. I will say all representatives at Citi were polite and professional and I did maintain my own professionalism when discussing the issue. It is not acceptable for the bank to keep my funds without a reason or provide a timeframe they will be returned. It should also be noted that the last manager I spoke with put in an executive complaint, however, it is for discrimination. To be clear, I do not feel that Citi was in any way discriminating against me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95630
Submitted Via: Web
Date Sent: 2023-05-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-17
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/23, I noticed an unauthorized charge on my checking account for {$210.00}. I reported it in person to Citibank & my debit card was replaced & password changed. A fraud investigation was opened & the amount was returned to me during such. As per usual protocol when an investigation is opened, I received a " followup '' call on XX/XX/23. I was informed that there were other unauthorized transactions being attempted in other states. After answering the " followup '' questions, I attempted to use my debit card & the payment was declined. I was unable to use my online banking app. so I returned to Citibank to find out why. I was told by the banker that unfortunately, the person on the followup '' call was not from Citibank & that my total checking account ( {$1900.00} ) was XXXX to XXXX XXXX ( someone I do not know ) and I was informed that I had apparently authorized a " person to person '' transaction over the phone. Citibank stated that since I gave information over the phone, they were not responsible for my loss! I have been a customer of Citibank for over 35 years and the protocol of the followup call is always normal to expedite an investigation. How would someone even know that I had filed a fraud investigation with Citibank without a breach in their security network? Please help
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60628
Submitted Via: Web
Date Sent: 2023-05-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-17
Issue: Money was not available when promised
Subissue:
Consumer Complaint: On XX/XX/2023, I sent an international wire transfer to my sister in XXXX, XXXX. The amount was {$1700.00} debited from a savings account that I have with Citi Bank. The delivery was promised on or before XX/XX/2023. I want to note that this is the type of transaction that I have conducted via this institution for at least years, so I was surprised that the funds never arrived. I contacted the company by phone to notify it of the situation. I finally received a letter informing me that research was underway. I waited about 30 days, no answer. I called the company again and requested that since the recipient never received the funds, the amount should be refunded/credited to my account. I reminded Citi Bank that I hired it to perform a specific task and it failed me. If it sent the funds as it claims but they were never received by the beneficiary, they must recover the payment from the entity they use for their transaction, said entity/department has no relationship with me whatsoever. Instead of refunding/crediting my account, I received a letter stating that they made the payment without proof. My sister never received the {$1700.00}, my account has not been credited. I did not expect Citi Bank to fail me this way and now claims that I must pay for its mistakes, it failure to conduct the transaction as promised.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60615
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: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XX/XX/XXXX I received an email ( XXXX ) that my Citicard Thank you preferred credit card acct # XXXX was activated. I called Citi to report that I did not request a new card, I did not receive the card and I did not activate this card. The customer service representative said he will freeze the account and not to worry. Later, I also received another email that my Citicard Simplicity credit card acct # XXXX was activated-called Citi to report that I did not request a new card, I did not receive a card and I did not activate this card and requested that both accounts be taken care of so I wont be responsible for any charges from XX/XX/XXXX. I received an email of fraud alert-called Citi and filed a fraud alert on both accounts. Received an email of a {$50.00} transaction-notified Citi that I did not make that transaction and that I will not be responsible for any transactions going forward because I reported a fraud on both accounts. Received email of travel notice for XXXX with ref # XXXX-notified Citi that I did not make any travel plans. Receive email of a {$120.00} transaction-called Citi to find out why transactions are still being made after making a fraud report and was told that my accounts were frozen and being investigated. Received email of a {$120.00} transaction-notified Citi which they assured that these charges will not go thru. Received email of a {$77.00} transaction-notified Citi of these fraudulent activities. XX/XX/XXXX Received email of a {$200.00} transaction and an email of travel notice for XXXX ref # XXXX-called Citi to report that XXXX did not make this transaction and do not have any travel plans. Received email that my personal email was changed to XXXX and changed my last name to XXXX-called Citi to make another report that I did not change my email or last name and to find out why my accounts were not frozen and canceled and why are these things still happening. XX/XX/XXXX A payment of {$3500.00} was made-notified Citi that I did not make a payment or used my credit card in 2 years. I noticed 2 payments pending in my checking account made to Citi-I called my bank and put a stop payment. I called Citi to find out what was going on, no one could tell me anything except that my information did not match what was on their computer system. I told them apparently when the fraudulent person who changed my email and last name, they changed all my information except my bank account information and social security number. I talked to the fraud/identity theft dept and assured me that everything will be taken care of. XX/XX/XXXX Received email that another credit card was mailed but not to my address and was under the name XXXX XXXX-called Citi to find out more info but they told me that my information that I provided does not match what is on their computer so they can not verify me. XX/XX/XXXX I noticed there were pending transactions-called Citi and let them know I did not make these charges but again they said they could not verify my information on their computer and Citi hung up on me. XX/XX/XXXX There was a pending auto payment of {$170.00} toCiti from my XXXX XXXX XXXX checking account-I was able to make a stop payment on the {$170.00} but the payment of {$790.00} that was made on XX/XX/XXXX to Citi went thru. I called Citi fraud dept and spoke with XXXX. We got cut off, XXXX never called me back. I called Citi back, explained that I was just speaking to XXXX in the fraud dept. I got transferred back to Citi fraud dept and spoke with XXXX who says there are too many employees, she can not transfer me to XXXX. XX/XX/XXXX I notified XXXX at XXXX XXXXXXXX XXXX that I did not authorize Citi or XXXX XXXX to withdraw funds from my checking account. XXXX XXXXXXXX XXXX was unable to make a stop payment on the {$790.00} because it was posted at XXXX and all payments are processed at XXXX XXXX. XXXX filed a dispute with Citi. Called Citi and spoke with XXXX-said he needs to send verification letter, I explained that I already had received 4 verification letters from Citi. XXXX said he couldnt help me so I asked to speak to a supervisor in the US. XXXX, supervisor from Citi fraud dept told me I needed to wait for the verification letter so I asked to speak to a manager-she said she will transfer me and I heard push button tones then someone in the background said oh XXXX then hung up. XX/XX/XXXX I got an email from XXXX that a hard inquiry was made by XXXX. I called XXXX ( XXXXXXXX XXXX ) at XXXX and spoke with XXXX. She said the application was declined because the person who was applying for the card with my social security number could not verify additional information. XX/XX/XXXX I received a letter from Citi Costco credit card addressed to XXXX XXXX that the application for a Costco credit card could not be processed. I called Citi Costco credit card and spoke with XXXX from the applications dept. I said that I did not apply for a Costco credit card and do not have a Costco membership. XXXX said she will mark it as fraud and gave me the number to the fraud dept XXXX. XX/XX/XXXX I spoke to XXXX from Citi/Costco fraud/identity theft dept and gave me a case # XXXX. XXXX connected me with Citi Advantage Platinum Plus Card applications dept and spoke with XXXX who voided the pending application due to fraud. XX/XX/XXXX I received an email from XXXX notifying me that I have a new address of XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. I called XXXX to dispute the address change-report # XXXX reported by Citicards/Citibank. XXXX advised me to call Citibank to have the address of XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX removed from all credit reporting bureaus. XX/XX/XXXX I called XXXX Police dept to make an identity theft report. XXXX said they will have an officer call me back. XX/XX/XXXX I called XXXX and spoke with Officer XXXX XXXX. He took my information down and I emailed Officer XXXX at XXXX my statement, all my copies of emails, letters, notes from contacts I have made to Citi, XXXX XXXX XXXX and other financial institutions from XX/XX/XXXX to XX/XX/XXXX. Officer XXXX gave me an ID Theft report number of XXXX. I then called XXXX XXXX XXXX and spoke with XXXX to follow up on the status of the dispute for {$790.00} and gave XXXX the ID theft report.. XX/XX/XXXX I spoke with XXXX from Citi customer service who transferred me to XXXX in the Citi fraud dept. I requested a copy of my statements from XX/XX/XXXX to present. XX/XX/XXXX I got an email from XXXX XXXX reporting changes on my Citibank card that my balance on my Citi credit card increased from {$0.00} to {$11000.00} which I did not use or charge anything. Spoke with XXXX with Citi identity theft dept ( XXXX ) XXXX said to wait for a packet to dispute charges, which never arrived at my address in Hawaii. XX/XX/XXXX Spoke with XXXX XXXX XXXX XXXX ) XXXX from Citi fraud dept who took down all my information-my correct name, correct address, correct cell number, the name of the person who is doing the fraudulent charges, her address, and the information on the police report that I filed. He said he will submit the information to the investigation team. XX/XX/XXXX Received a message from a XXXX at ( XXXX ) XXXX. XX/XX/XXXX I called the number and spoke with XXXX from XXXX XXXX XXXX. XXXX called to attempt to collect on a check that did not go thru to Citi due to issues that they could not disclose to me. I reported that the person they were trying to contact XXXX XXXX stole my identity. XXXX stated that she will email me an affidavit to fill out and return to them. XX/XX/XXXX I called Citi fraud dept and spoke with XXXX to find out the status on my fraud case, she transferred me to ID theft protection and spoke with XXXX who explained that they were a separate company that sells ID theft protection and is not a Citi company. She gave me the number to Citi customer service. XX/XX/XXXX I called Citi fraud dept investigations ( XXXX ) XXXX and spoke with XXXX. I explained that I did not get a notice from the investigations dept that I was supposed to call to give them more information. I explained that I have been constantly calling Citi fraud dept since XX/XX/XXXX when this all began. I also explained that I spoke with XXXX XXXX who stated that he would submit all the information to the investigations dept. XXXX put me on hold a few times to speak to a colleague. XXXX informed me that Citi fraud investigations dept will re-open the fraud case. XX/XX/XXXX Received statement with new balance of {$12000.00} for acct XXXX. I sent a copy of the XXXX Police Dept ID Theft report along with the statement. XX/XX/XXXX Received a letter stating the Citi has received my information concerning the disputed charge ( s ) for acct ending in XXXX and have forwarded to appropriate area for investigation. XX/XX/XXXX Received a letter stating that Citi has tried to contact me but unable to reach me. I did not get any calls from Citi. I sent another copy of the police report and a copy of my state and drivers license with the numbers blacked out. I also wrote on a copy of the letter stating that the card XXXX was issued to XXXX XXXX in XXXX, CA AFTER the other 2 Citi credit cards were closed due to fraud/ID theft. XX/XX/XXXX Received a letter of conclusion of investigation saying that the information was not sufficient enough to resolve the dispute in my favor and the dispute was closed. I called the account specialist team and spoke with XXXX, she told me that the police report is not valid. I explained to her my situation and she hung up on me. XX/XX/XXXX Received a call from XXXX from Citi bank in Florida re : my Thank you preferred card ending in XXXX to let me know that it will take up to 90 days to make a decision on this investigation. XX/XX/XXXX Received a collection letter from XXXX, XXXX XXXX XXXX for Citi card XXXX which I sent a notice with FTC letter and police report. XX/XX/XXXX Received a collection letter from XXXX XXXX XXXX for Citibank Custom Cash account ending in XXXX that I never opened or heard of. They are threatening to garnish my wages. Spoke to XXXX from Citibank internal collection and explained my situation, she shared that she has never known of customer that can change the name on an account without supporting documents.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: HI
Zip: 96744
Submitted Via: Web
Date Sent: 2023-05-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-18
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: A citicards card was added to my XXXX credit report : registered with Citibank in XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never had an account with Citibank. I've never even been to XXXX XXXX. This card had debt and was reducing my credit score. Naturally, I filed a complaint through experian. Citibank XXXX XXXX responded with a letter XX/XX/2023, stating " We are unable to update the credit report as requested. To remove authorized users from credit reporting, the authorized user must be removed from the account. '' I tried to contact Citibank, but of course could not speak to any one about this account since, as it is not my account, I don't have the account details. I reached out to the branch, but to no avail : They never picked up the phone or responded to my letter. XXXX got back to me with a report, Numbered XXXX & XXXX XX/XX/2023 stating " The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. ''
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
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 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 refunded me {$720.00} on XX/XX/2023. CITI failed to properly post the refund. This is 100 % CITI 's fault in losing the transaction XXXX sent to them. I called CITI and asked them to find the missing refund, and they said I had to dispute it. I disputed it and send it the e-mail and all the information from XXXX saying a refund was sent to CITI on XX/XX/2023 for CITI to investigate. I was given a temporary credit while it was investigated. Today, XX/XX/2023, I see that CITI has found me responsible and is reversing the temporary credit. I am SHOCKED by the level of incompetence of Citi. First you lose the refund XXXX sent initially, and then reverse the temporary credit. I am just dumbfounded by CITI making 2 huge errors here. THERE IS NO REFUND EVER ON MY ENTIRE ACCOUNT FOR THE CORRECT AMOUNT XXXX SENT OF {$720.00}. Go search all the times XXXX sent you money on XX/XX/2023, and find the {$720.00} that you must have posted to someone else 's account wrongly and fix this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08053
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: 2023-05-17
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: On XX/XX/ I checked out of the hotel " XXXX XXXX XXXX XXXX ''. The front desk told me that I would receive a {$55.00} refund of the {$75.00} deposit ( front desk told me they will CREDIT me {$55.00} ). However, the business instead charged me the {$55.00}. I completely pre-paid for the XXXX XXXX XXXX stay. The total due at the hotel is {$0.00}. At the hotel, I purchased XXXX bottles of water and billed to the room. The water was priced at {$2.00}. I expect to be charged {$15.00} maximum. I submitted a dispute to Citi with a statement saying that the hotel stay was completely pre-paid, and that I only purchased XXXX bottles water clearly priced at {$2.00} each. Citi closed my complaint in the merchant 's favor stating that I have not provided enough evidence. In this scenario, it's impossible for me as the customer to provide evidence for an over-charged amount. The hotel should provide evidence for why they think I need to pay more than {$2.00} x XXXX = {$15.00} when the hotel stay was completely paid for in advance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95051
Submitted Via: Web
Date Sent: 2023-05-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-17
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I would like to dispute a charge credit card that I dont have
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77433
Submitted Via: Web
Date Sent: 2023-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A