Date Received: 2023-04-29
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I have the Citi Prestige card from Citi Bank which has a {$490.00} and as part of the benefits allow for two " fourth night free '' hotel bookings each year. I have tried to use this benefit over the last few weeks only to be told that I do not have this benefit available to me despite that it is a benefit of this card in the terms and conditions of the card member agreement. I have had a few hours of calls with Citi and finally had a representative admit to me that there is a known system issue preventing cardmembers from using this benefit and there is no known resolution date and they may or may not resolve it this year even. I attempted to place my annual fee of {$490.00} in dispute as a " problem with goods or services '' while this issue was resolved but Citi indicates they are exempt from disputing their won charges. I don't understand how Citi can charge me the annual fee while knowingly not providing the full benefits of the card. While I understand technical issues happen I should have some protections should this issue not be resolved ; and Citi has indicated that I only have 30 days from the date of the annual fee billing after which time I will have no entitlement to any refund of my annual fee ( even if they don't resolve the benefit issue ). This clearly appears to be a fraudulent and deceptive business practice and I would appreciate a response from Citi bank corporate as to this issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92103
Submitted Via: Web
Date Sent: 2023-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-29
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I want to close my business account XXXX However I kept calling Citi business # XXXX That was over 2 hours, after a very lengthy verification, it keeps directing me to personal and then personal keeps redirecting me to business, the process continued for over 2 hours!!!!!! Online chat is of no help as they keeps telling me to call the same number I am severly disappointed in the service, please close the account, effective XX/XX/29
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10304
Submitted Via: Web
Date Sent: 2023-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-29
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: Dear CFPB I filed a claim to Citi Mastercard Benefits because my phone was stolen/ taken from me on XX/XX/2023. I have received the result of this claim on XX/XX/2023 from XXXX XXXX XXXX, a Citi Card Benefits Administration who underwrites the coverage of the claims, Regretfully, your claim is not eligible for payment for the following reason ( s ) : " The item was not reasonably cared for ''. Claim # XXXX. Their response to my claim is invalid. I always take care of my belongings and everything was reasonably cared for. In this event, my phone was taken from me by force, unwillingly and unauthorized, I did not give anybody consent to take my phone. The thief also sent himself an unauthorized electronic funds transfer - a XXXX to himself after confiscating my phone and gaining access to my mobile banking. The thief is still using my phone that he stole from me, he was able to remove my XXXX XXXX from the phone and entered a new email to use. The phone is an XXXX XXXX XXXX XXXX XXXX serial no XXXX and XXXX XXXXXXXX. I had to purchase a new phone and Citi Mastercard Benefits is not honoring their phone claim program. Attached is my police report, FBI report, FTC report, and Claims Denial confirmation. Please help me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92532
Submitted Via: Web
Date Sent: 2023-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau ( s ), the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following :. What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account :. Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureau 's ( XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95820
Submitted Via: Web
Date Sent: 2023-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-30
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I recently opened a high yield savings account with Citibank using an online application after seeing it advertised on the Citibank website while managing my Citibank Visa which I have had for many years through Costco. This was the second time I attempted to set up a a savings account with Citibank. The first time was in XXXX of this year and I had an issue receiving mail at my physical address as we didnt have a mailbox and only a XXXX XXXX XXXX That account was flagged and not opened because that issue. The second time, I was able to get the account opened as I could receive mail at my physical address. After waiting a while, receiving several emails requesting I fund the account, and receiving a debit card, I funded the account by transferring funds through the Citibank app from my credit union account into the new savings account. The first amount I transferred on XX/XX/23 was {$1000.00}. I then initiated another transfer earlier this week in the amount of {$100000.00}. Yesterday I attempted to log into my account on the Citibank app and was told my access was denied and given a number to call. I called the number and got transferred to the security department. The person in that department said that my account was closed permanently due to a VPN issue ( which I dont understand ) and I would not be able to ever open an account with them. I got no other explanation and when I asked when they would transfer my money back to my credit union, they informed me that they wouldnt deal with me and that I had to call my credit union and have them deal with it bank to bank. I was told my credit union would need to call XXXX and choose option XXXX. They would also need to file a Hold Harmless to get the funds returned. When I called my credit union they said they had never heard of such a thing. I was told by my credit union the funds were transferred through Citibank and they had no way of stopping the {$10000.00}. XXXX transfer from earlier in the week. I have not heard back from my credit union. I dont know what to do as Citibank wont talk to me. Please help! Thank you!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 982XX
Submitted Via: Web
Date Sent: 2023-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-30
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Home Depot charged off my revolving credit account, they sold it to a third-party debt collector without seeking my consent. This is a clear violation of the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681s-2 ( a ), which mandates that lenders must notify consumers before any negative information relating to their credit account is reported to a credit reporting agency. In addition, under 12 CFR 1026.41 ( e ) ( 1 ), an issuer of open-end consumer credit shall not sell or transfer a consumer charge account to a person other than the issuer, its affiliate, or an acquirer of the issuer, without disclosing to the cardholder, among other things, the identity of the person to whom the account is to be sold and the fact that the account may be sold. Moreover, selling my debt to a third-party debt collector has also led to the unauthorized disclosure of my private information, such as my name, social security number, and other personal information. This violates the Gramm-Leach-Bliley Act ( GLBA ) under 15 USC 6802 ( a ), which prohibits financial institutions from sharing nonpublic personal information with non-affiliated third parties without first giving the consumer an opportunity to opt-out of such sharing. Furthermore, under 1.6050P-1 of the CFR, a charge off must be reported to the IRS.despite repeated requests, the company has refused to provide me with the 1099c necessary to file with the IRS.The situation is worrisome as charge-offs are considered income and must be reported to the IRS. The refusal of HomeDepot to provide me with the 1099c document may prevent me from fulfilling my tax obligations. Also INCOME can not be report on my consumer credit report under the FRCA it is not relevant to a persons credit worthiness. and homedepot is in violation of reporting inaccurate information. HomeDepot has not followed this regulation properly, and as a result, the credit reporting agencies and the IRS might not accurately reflect my credit and tax status. Home Depot also unlawfully shared my personal information with third parties such as XXXX and XXXX without my consent. This action by Home Depot violates consumer protection laws enforced by the Consumer Financial Protection Bureau ( CFPB ) .According to the Code of Federal Regulations ( CFR ), 12 CFR 1022.43 prohibits financial institutions from disclosing non-public personal information about a consumer to non-affiliated third parties unless the consumer is notified of the disclosure and has had an opportunity to opt-out. Additionally, the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681d, requires that consumer reporting agencies only furnish consumer reports to those with a permissible purpose and with the consumer 's consent.In this case, I did not consent to Home Depot sharing my personal information with XXXX and XXXX. As a result, my non-public personal information was disclosed without my knowledge, and I have not had the opportunity to opt-out.In light of the above violations, I respectfully request that the Consumer Financial Protection Bureau investigates this matter and takes appropriate actions against HomeDepot. I also request that the CFPB takes steps to ensure that my personal private information is protected from unauthorized parties.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 19709
Submitted Via: Web
Date Sent: 2023-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX his illegally garnished my wages. The debt in question is not mine XXXX his no verified this and did not send second notice of court date for me to dispute this debt. This lack of candor has caused me and my family great financial hardship, XXXX XXXX XXXX and myself physical stress due to the fact I am fighting XXXX. I am now behind on all fo my bills because of XXXX XXXX XXXX XXXX negligence to verify and to notify the account or me. I lost my one match XXXX out of XXXX XXXX XXXX for a XXXX XXXX and must do the search over for another donor that matches due to XXXX XXXX XXXX , XXXX unjust/unfair practices.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38016
Submitted Via: Web
Date Sent: 2023-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-29
Issue: Problem with additional add-on products or services
Subissue:
Consumer Complaint: I have a personal loan with citi bank that i tried to get my money back because i paid more than i should have, there are items that was added to my account like principal debit adjustment of $ XXXX that even the case representative cant explain and for that reason he said he will call me back with the explanation after XXXX its kore than a week no call receive ive been waitingi have XX/XX/XXXX payment that i made using my checking account from them to my personal loan now no where to be found even in my checking transaction history, but i have a screen shot of my payment and they said using the citi app is only for information only and still in the statement that you will see all the transaction, but my payment is not there anymore. I ask them where did it go? They said it didn't happen.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92688
Submitted Via: Web
Date Sent: 2023-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-29
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: Macys called me and asked me was I trying to make a large purchase, I told the no! The said ok we are canceling your card and sending you a new one! A few days go by and macys called me again and asked me for a second time did a make a large purchase and again I said no! The guy then tried to send my another one and I said no cancel my account Im done with Macys because I feel it was happening internally the man tried to say my information was stolen and I informed him that out of all my credit cards Macys is the only one affected and whatevers going on is happening on their end he then advised me to report it to the credit bureau I did and the dispute was not overturned
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 15210
Submitted Via: Web
Date Sent: 2023-04-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-29
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I purchased a refrigerator from Home Depot in XX/XX/XXXX. At the time, the store clerk offered me 0 % interest for one year if I opened a Home Depot credit card. I agreed, met the credit requirements, was offered a credit card account, accepted that offer, and then purchases the refrigerator on the newly-created Home Depot credit account. I then set up automatic minimum monthly payments and set a reminder on my personal calendar for XX/XX/XXXX ( when I was told the promotional rate would expire ) and then checked statements and the account to ensure payments were being made correctly and on time. After several months, everything was working fine. I still continued to ensure payments were being made, but had no correspondence with Home Depot ( other than statements ) and made no effort to reach out to them because I saw minimum payments were being made. In XXXX, after the reminder on my personal calendar, I logged in to find that interest began accruing on my account in XXXX ( 6 months before I was told it would ). I contacted Home Depot customer service and have spent several hours with them on the phone as they attempted to simply connect me with someone who had the capacity to adjust my account to match the original terms of the agreement. The customer service representatives have told me that they can only make adjustments back for 2 billing cycles, and since I waited longer than that, they can not help me ( note that the promotional periods are in 6 month increments, and there is no explanation why Home Depot has this constraint ). They have also said there is no number I can call other than the general customer service line to avoid longer wait times. I have made several attempts to resolve this through the secure message feature on Home Depot 's account website, as well as either answering or calling customer service on at least a dozen occasions. Home Depot has made no real effort to address my concerns, and at this point has reported my account as delinquent with credit agencies. I think this constitutes defamation and is impacting my ability to engage in business activities for a sole proprietorship I own. My credit score has been above XXXX, and often over XXXX, until this dispute.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 554XX
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A