Date Received: 2023-04-28
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: In XX/XX/XXXX I received a Best Buy card in the mail which I had not applied for. I immediately called the company who owns the Credit Card, Citibank, and explained I had not opened the card & did not charge anything on it. They immediately shut down the card, but did not take care of the fraudulent charges to the card. I keep getting notifications that I owe money to them, but I do not since I did not open or charge anything to card. I found out through Best Buy that the purchase was made online on XX/XX/XXXX for an XXXX XXXX and picked up at a the XXXX Best Buy store, which I have never been to. Someone must have used some sort of fake ID to pick up the product. Please help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 079XX
Submitted Via: Web
Date Sent: 2023-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-28
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: On XXXX a fraudulent foreign charge made overseas in an amount of {$330.00} was incurred on my XXXX XXXX American Express credit card account. Upon receiving the statement, I recognized this being a fraudulent charge and called the Customer Service # XXXX immediately to report. The rep looked into the charge and my account details, and acknowledged that a provisional credit will be given during the investigation period, and agreed to waive the foreign transaction fee of {$9.00}. However, the foreign transaction charge showed up again, along with a late fee, on my billing statement the next month. I called again and requested a waiver which the second rep agreed to. Unfortunately, the foreign transaction charge once again showed up and this time, along with a late fee and interest finance charge. I called in to complain and request a waiver, and at the same time expressed my dissatisfaction, requested to speak to a manager and requested a closure of my account. A manager picked up my call, agreed to everything ( i.e. waiving the incorrect interest finance charge, late fee, foreign transaction fee ) and confirmed that she would close out my account on the day of. But once again, on XX/XX/XXXX I received an email from XXXX XXXX American Express claiming that my account is still past due. At this point, I am not sure what I can do except to filing a complaint with the CFPB regarding this frustrating situation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91706
Submitted Via: Web
Date Sent: 2023-05-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-28
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: This is a account with Citi Bank that they closed on me. I was not at my limit and they closed the account. Any derogatory reporting to credit bureaus should be deleted immediately. I didnt close the account. Any unpaid debt or late payments being reported should go back to the creditor due to closing my account. This action needs to be updated and reported to all bureaus immediately for deletion.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 296XX
Submitted Via: Web
Date Sent: 2023-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-27
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I opened a Citi checking account on Tuesday XX/XX/2023. I initially deposited XXXX $ into the account. I read the terms and agreement and realized I needed to have a minimum of {$1500.00} balance to avoid the monthly fee. I deposited {$2000.00} into the checking account on XX/XX/2023 via personal check that my wife drew up. The check cleared and on XX/XX/2023 I received an email notifying me that my account will be automatically closed in 60 days. I contacted their customer support phone number on XX/XX/2023 to discuss the matter but the customer service representative stated that they could not reveal any details about the account. I have not even had this checking account for 1 month and Citi has decided to close the account. I have been using Citi for their credit cards for 2 years prior to this so I am not a new customer to Citibank. After such a fiasco, I intend on never doing any business with Citi and recommend others to stay away.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77571
Submitted Via: Web
Date Sent: 2023-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-27
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I called Citibank to pay the balance on my credit card. The system would not let me make a payment and I was transferred to the " fraud '' department. I spoke with someone called XXXX in the XXXX who did not speak very good XXXX. She could not locate my account so I am denied the ability to make a payment on my card
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 110XX
Submitted Via: Web
Date Sent: 2023-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-27
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: A false charge appeared on my card. Citi denied my claim, but did not follow the requirements of the Fair Credit Billing Act in doing so. The Fair Credit Billing Act requires : 1. That Citi " conduct an investigation yourself and that you set forth the reasons why you believe the account was shown correctly. '' This was not done. See attached correspondence from Citt 2. The act also requires Citi to provide me with evidence. Despite my written request, this was not done 3. The act also states " In the case of a billing error where the obligor alleges that the creditors billing statement reflects goods not delivered to the obligor or his designee in accordance with the agreement made at the time of the transaction, a creditor may not construe such amount to be correctly shown unless he determines that such goods were actually delivered, mailed or otherwise sent to the obligor and provides the obligor with a statement of such determination. I requested this statement but it was not done. I wrote to Citi about this on XX/XX/XXXX ( letter attached ) but my letter was ignored
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 110XX
Submitted Via: Web
Date Sent: 2023-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-26
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: in accordance. with fair credit reporting act XXXX account # 15 USC 1681Section 602 States I have right to privacy 15 USC 1681 604 A Section 2 : it also states a. consumer reporting agency can not furnish my account with out written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as for a late payment
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11717
Submitted Via: Web
Date Sent: 2023-06-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-26
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: CitiBank does not train its support personnel. They exploit overseas labor and do not train them. As a result, I just spent 47 minutes on the phone, during which my call was transferred 4 times, just to find the 5th person also was ignorant of the fact that the Citi AAdvantage card is not eligible for use with XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90034
Submitted Via: Web
Date Sent: 2023-04-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-26
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: I had a phone account with XXXX. I changed carriers on XX/XX/22, but XXXX continued to charge my Citi card. I disputed the charges with Citi Bank. I then changed my card number to stop the charges. I also asked Citi to stop these recurring charges as I had canceled my XXXX account. Citi verbally agreed to stop the recurring charges, but recently on XXXX XXXX, a recurring XXXX charge appeared on my Citi card ( the one with the new number ) for {$420.00}. I again disputed the charge with Citi and again changed my card number. To date the charge remains " disputed '' but Citi has not refunded or removed the disputed amount of {$420.00}. I do not owe this money ; I didn't use the services ; I've been disputing the charges since XX/XX/22. Citi needs to remove the XXXX charges from my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 920XX
Submitted Via: Web
Date Sent: 2023-04-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-26
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I was charged {$620.00} on XXXX XXXX and I did not authorize this charge. I immediately called Citibank to rectify the situation and they gave me a provisional credit. I had never been to this establishment or heard of it. I got a new card in the mail. Today, on XX/XX/XXXX, I went to deposit money into my account to pay my wifi bill, and it was negative XXXX dollars. I was shocked. It said that the charge was reversed in favor of the business. However, Ive never been here and Id like to see the proof that I was here and paid for this. Im currently pregnant and unemployed and this is proving to be a severe hardship for me that I cant pay bills on this account. I have only ever filed one dispute before this and that was back in XXXX XXXX XXXX, so this is not a common occurrence for me to file disputes. I would just like my money back as it is mine.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11103
Submitted Via: Web
Date Sent: 2023-04-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A