Date Received: 2024-02-08
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: Dear Consumer Financial Protection Bureau, On XX/XX/, I called Citibank to open a dispute on my credit card for the transactions related to XXXX. I informed Citibank that we found evidence that XXXX is operating under a pyramid scheme. However, based on their letter sent to us on XX/XX/, they closed the dispute and said that I have to accept the responsibility for the disputed charges. I also received a letter from them dated XX/XX/ saying that they are looking into the dispute. On XXXX XXXX we mailed XXXX pages of documentations providing evidence of the XXXX XXXX and XXXX pyramid scheme, but Citibank closed the dispute without ever reviewing the evidence. The United States Federal law makes pyramid scheme illegal and protects citizens against such scams. I will attach the same documentations sent to Citibank to CFPB in our complaint submission which includes all of the evidence that Citibank chose to ignore before finalizing their decision on the dispute. Citibank is providing the merchant the ability to continue charging me on the new account which should not be possible since the merchant do not have my new account information. This would make Citibank an accessory to the pyramid scheme. My expectation for a resolution would be to have all of the charges associated with the XXXX XXXX and XXXX pyramid scheme removed from my accounts and I do not want to be penalized or lose the accounts because I have almost a decade of perfect credit history prior to these scams. Enclosures : -Copy of documentations to proof the XXXX XXXXXXXX and XXXX pyramid scheme that was sent by mail to Citibank on XX/XX/XXXX XXXX -Copy of scanned dispute update letters from Citibank date XX/XX/XXXX and XXXX XXXX XXXX Thank you for your assistance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85201
Submitted Via: Web
Date Sent: 2024-02-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-08
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: XXXX XXXX XXXX Home Depot has charged me insane interest. I have a promotional balance on XXXX card of {$1700.00} that was due to expire on XX/XX/24 ( account ending in XXXX ). On XX/XX/24 I paid {$1700.00}. Home Depot decided to split the allocation between multiple purchases rather than pay off the promotional balance ( as I requested ) and on XX/XX/24 charged me {$580.00} in interest. They did the same thing on another account earlier this year ( account ending in XXXX ). That amount was only {$52.00} but it is still absurd.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WY
Zip: 826XX
Submitted Via: Web
Date Sent: 2024-02-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-08
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I need help with transferring my existing credit line totaling {$32000.00} from my Citi XXXX XXXX XXXX credit card # XXXX to my other Citi XXXX XXXX credit card # XXXX making my revised total available credit on my Citi XXXX XXXX credit card {$37000.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2024-02-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-08
Issue: Fraud or scam
Subissue:
Consumer Complaint: I am a victim of wire fraud at the hands of Citi online banking. My checking account was hacked into on XX/XX/XXXX at XXXX. I was alerted to the activity on my account via email, and was on the phone with Citi fraud department by XXXX reporting the incidents as they were taking place. The hacker changed my password, added themselves as a wire transfer recipient and then wired two transactions- one for {$1800.00} and one for {$1400.00}, completely emptying my checking account. The representative assured me it would be fine, and that it was out of my hands and he would " do his job ''. I called Citi for an update on XX/XX/XXXX and was only then given a reference number and told to fill out and fax a wire fraud affidavit for both transfers. I filled them out and faxed the notarized affidavits to the Incident Reporting Unit on XX/XX/XXXX. I called on XX/XX/XXXXXXXX looking for an update on my case. I called once and was rudely hung up on by a representative claiming she can only give an update to the authorized account holder ( which is ME ) after I had gone through the security protocols with her and verified my identity already. I called a second time and was put on hold multiple times. I gave them my information and reference case numbers and was transfered. The representative stated that they were not able to get my money back from the account of the person who had stolen it. He said that it was now no longer a Citibank problem, and that if I want to get my money back I would need to take legal action against the hacker on my own. I began asking questions like " How should I go about that? Who will pay for the legal fees if Citibank allowed all of my money to be stolen? How do I even know who I am taking legal action against? '' He responded with " We tried our best to get it back '' and then proceeded to HANG UP ON ME. I am still sitting here in shock and disbelief at how unprofessional I have been treated by Citibank. I plan to take legal action against Citibank to get my money back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33143
Submitted Via: Web
Date Sent: 2024-02-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-08
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: Best Buy Credit Card- Account. I went to make my regular monthly payment on the website this XX/XX/2024 and i noticed the balance almost doubled from {$900.00} to {$1700.00}, i thought someone had stolen my identity or my account information but the rep told me that the promotion they had on the item i purchased from them ( tablet ) ( XXXX months XXXX XXXX had expired. and when i asked how much interest they were charging, they did not say and from {$900.00} balance now it is {$1700.00}. and from a {$29.00} minimum payment, now i had to pay {$160.00}, which i can't afford. I told them please i was not aware of all that increase, i could expect a XXXX XXXX interest on the remaining balance but never the balance will doubled up. Covid came, a lot of financial adjustment. i told them i was willing to pay the balance off as soon as possible. they told me i have been reported to the credit bureau which is true, i need your help. i never received any statement, on their portal, they never had an alert about the ending promotion or payment change and even though i am saying i will pay the balance off as soon as possible they refused to assist. I am a XXXX mother, a lot of uncertainty after covid, i dont understand what kind of promotion they said they had that now is making me pay the double. unfortunately i can't afford these payments or higher balance. no one notified me and XXXX months is a long time. i have other cards and i have never experienced this situation or this treatment. Please help,.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33015
Submitted Via: Web
Date Sent: 2024-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-08
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XX/XX/XXXX Subject : Disputing Information in Credit Report I am writing to dispute the following information that Citi Bank supplied to XXXX, XXXX and XXXX credit bureaus ; whose report has incorrect information that has not been updated in reference to two Accounts ( XXXX open XXXX XXXX & 542418xxxxopen XXXX XXXX ) that I previously had with CitiBank. Prior to the Pandemic I had Impeccable Payment history XXXX credit score, I value being a financially responsible client. However, during XXXX I suffered from a major hardship, I had a great death in my family and I lost my former husband, who at the time was my primary source of income. I also was laid off from my Job due to major cutbacks. Being a Widowed wife and a mother of XXXX It was hard to meet all my financial hardships. Nevertheless, I did not want to neglect my financial obligations. In XXXX I reached out to CitiBank in reference to 2 Accounts that I had at the time and requested Hardship options, I agreed to do a settlement with your company, hence each account was paid. I was informed that the account would be kept current, no late payments will be reported due to me agreeing to settle the account. According to the Cares ACT, the CARES Act states if you make a debt-relief agreement, that creditor must continue to report the debt as current. Therefore, no late payments should reflect my credit file during that time. I contest that CitiBank remove all late payment history as soon as possible to be in compliance with the federal law. To ensure that creditors adhere to the Federal Law which prohibits Negative Credit Reporting according to The CARES Act signed into law on XX/XX/XXXX, Act to amend Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during XXXXXXXX XXXXcrisis. ( 15U.S.C. 1681s-2 ( a ) ( 1 ) ( F ). ) This has been an ongoing issue. I have reached out to them in XXXX, XXXX, and just recently XXXX XXXX via dispute through my credit bureau, however both accounts remain the same inaccurately Late Payment history. Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete the disputed late payment items as soon as possible.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21239
Submitted Via: Web
Date Sent: 2024-02-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-08
Issue: Problem with a company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: Attempt to collect a debt ( no debt owed ) on a credit card from XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-08
Issue: Problem with a company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: Fraudulent charges and orders on the account were sent to an address in XXXX I live in GA. I reported the charges and Wayfair investigated. I never received anything regarding the results and now I have a negative update on my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30016
Submitted Via: Web
Date Sent: 2024-02-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-08
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Macy 's XXXX XXXX XXXX XXXX. I was making payments but my account balance wasn't going down. I was paying more than the minimum. XXXX minimum payment I would pay XXXX or more.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 41011
Submitted Via: Web
Date Sent: 2024-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-08
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: My problem is with American Express - XXXX credit card.. On XX/XX/XXXX I discovered fraudulent charges on my American ExpressXXXX Credit Card XXXX. I called and reported to the phone number on the card and they identified XXXX fraudulent charges which they said they would remove from my card. In XXXX I started getting calls saying my credit card was overdue so I checked and they had remove XXXX charges but overlooked XXXX charge for approximately {$43.00}. This charge was almost identical to another charge at the same store on a different date that had been removed.. After many many calls to the credit and fraud departments they agreed XXXX different times to handle the item, but the calls phone calls continued. They said the case was under investigation.. On XXXX XXXX XXXX my bank informed me that my credit score had dropped XXXX points upon checking American Express/XXXX had reported my account as delinquent to the Credit Bureau XXXX On XX/XX/XXXX American ExpressXXXX called me and said they resolved the charges and I now had a {$23.00} credit balance. But they could do nothing about my damaged credit score as the case was still under investigation. On XX/XX/XXXX my bank informed me that my credit score had dropped another XXXX points. Investigating I found on XXXX XXXX XXXXAmerican Express/XXXX had made a request for a hard credit report resulting in the XXXX points reduction. I did not know or approve this request I was not requesting credit or a loan. I had a credit amount on my XXXX card They owed me money. What was their reason for requesting a hard credit report other than harassing me. I have a big financial deal working and my financers are very reluctant to continue with a total credit report drop of XXXX points. This is going to result in significant reprucessions to me and my business opportunities. In early XXXX I informed XXXX that I believed they inadvertently missed XXXX charge. In many, many calls to the credit dept and fraud dept over the past XXXX weeks I have only spoken to XXXX person out of about XXXX whose native language is XXXX. It is difficult to understand many and I had the feeling many did not understand me.. I have had a hard wired telephone in my house and home since I was XXXX years old. Due to the harassing calls to collect a debt I am canceling my phone to avoid the harassment. I consider myself a hard working professional person with an extremely good credit rating. Now this is all ruined by American ExpressXXXX and their broken systems, flawed procedures and improperly trained personnel. They do not care a bit about the little people in the world. They can not correct their problems or restore my lost credit worthiness that they destroy for no good acceptable reason. In sorting through this there are XXXX companies involved : American Express, XXXX and XXXX. It is difficult to tell what company I am talking to and sometimes the person on the line is not exactly sure who they represent. I would like to mention that the phone system they use is probably the worst in existence. To get an actual person on the line is very difficult and sometimes means going through XXXX or XXXX phone trees and then for some unknown and inconsistent method I get a real person who tells me how much I owe and asks how I want to pay it and then maybe they transfer me to another person. When I get a person to explain the situation to they tell me, XXXX different times, the situation will be fixed in XXXX to XXXX days. It never is and only once has a person called me back of all the ones who said they would.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 339XX
Submitted Via: Web
Date Sent: 2024-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A