Date Received: 2023-04-17
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/XXXX, my Citibank Visa anywhere Costco card was fraudulently charged for $ XXXX. I reported the fraud charge when the charge showed up on the Citi cards App on XX/XX/XXXX. Initially thought i had the credit card with me But after the fraudulent charge showed on the App, i realized that i had lost the card. Citi bank denied the fraud ( XXXX called me on XX/XX/XXXX ) & told me to contact the merchant. I told her that i don't recognize the merchant or the charge so how can i contact the merchant? Call the Citi bank the next day & talked to XXXX XXXX XXXX ( supervisor ) who advised me on XX/XX/XXXX to open a dispute case - XXXX PST & asked me to file a police report and open a dispute case. XXXX looked up the merchant and there is no telephone listed for the merchant & gave me the address of the merchant which was listed. I filed the police report # XXXX at XXXX XXXX XXXX XXXX Tel # XXXX ) and opened a dispute case # XXXX with Citi bank. Police Report details were provided to Citi bank representative XXXX on XX/XX/XXXX at XXXX PST. I was told that it can take two billing cycles or more to resolve the dispute case & to call/look for update on Citi cards App after two months. Meanwhile I paid the credit card bills which included the $ XXXX charge. I called them for dispute status on XX/XX/XXXX ( talked to XXXX, XXXX, XXXX XXXX and was told that it would take another 2 to 4 weeks. Called the Citi Bank XXXX XX/XX/XXXX XXXX PST & talked to XXXX XXXX Dispute Dept ) & explained the whole scenario and was told it would take another 2 weeks. Called Citi bank on XX/XX/XXXX XXXX PST, talked with XXXX XXXX Dispute dept ) and XXXX Supervisor and explained the whole scenario. Received an email from Citi bank on XX/XX/XXXX that said that they can not open a dispute for this transaction as its more than 60 days old. Called Citi bank on XX/XX/XXXX XXXX PST- requested the case be escalated & talked to XXXX ( manager ) and explained the case again. She said that she would ask the XXXX who is the investigator on the case to call me on Tuesday XX/XX/XXXX. But i have not received any communication from the investigator as of today XX/XX/XXXX. I have run out of options with Citi bank and would like to file a formal compliant with CFPB to get this resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95136
Submitted Via: Web
Date Sent: 2023-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-17
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I booked a XXXX rental car through Citibank thank you points and needed to change the dates as I could not travel. When I tried to change the dates or cancel and create a new reservation, I was told that I would lose the over {$300.00} in points I used for the car reservation. This is not fair or right that they would not at least allow me to change the dates of my reservation. I contacted Citibank, I contacted the thank you points department and I contacted XXXX rental car. None of them would help me. Citi Thank You Booking ID : XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11743
Submitted Via: Web
Date Sent: 2023-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-17
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I received a credit card statement showing that a payment of nearly {$9000.00} was made to my Citi XXXX XXXX card. To the best of my knowledge I have never used the card and I have never made a payment on the card. I did not make a nearly {$9000.00} payment on any credit card. I believe some sort of error has occurred.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85756
Submitted Via: Web
Date Sent: 2023-04-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-17
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I am writing to you guys because I had a Credit line with citi bank. During this inflation things have been hard on my family and I making it almost impossible to keep up with my bills. I had a balance with citi bank and I happen to receive a settlement offer. I happen to accept the offer, when I called today to find out why there has been no change in my account I was informed my account has been closed. I was never informed of my account being closed nor was I ever explained any of this when I called to make arrangement for the settlement. I was extremely disappointed because I was thinking I was being able to settle things and not have my credit affected but this company has closed my account not allowing me to be able to make things right. I took the settlement because I didnt want my credit being affected and this will affect me the same way. I have reached out to citi bank and was told there is nothing they would be able to do. The only thing left for me to do is reapply. Which I dont how that would make any sense. This company did not try to help me nor care about my finances. I would like to get help on being able to fix this matter
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28314
Submitted Via: Web
Date Sent: 2023-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-17
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: XXXX at XXXXXXXX XXXX - I received a phone call from ( XXXX ) XXXX stating that someone will show up to my residence, or my place of work, to provide me a lawsuit on behalf of Citi Bank. And to have my ID and SSN ready when they do. XXXX at XXXX - I placed a call, outgoing, to XXXX ( XXXX ) XXXX, and spoke with one of XXXX XXXX XXXX three employees. I explained I had no prior knowledge of them trying to contact me, and this is the first call ever received from them. They stated that they have been sending information to my parents, who live in NY ( XXXX in Texas ), whom would definitely let me know that I had unfinished financial issues. They also proceeded to state that Citi Bank DOES NOT place accounts into collections, until all options have been exhausted. I was scared but did say I could pay but not right now. I need time and more information. This isnt the first time someone attempted to scam me claiming its for Citi Bank. XXXX at XXXX - I contacted the original company I was in debt with, Citi Bank XXXX and they filed a 1099-C, back in XXXX, I believe. My debt was reported as income to the IRS. And charged-off. They have no knowledge of any third-party collection agency. XXXX at XXXX - XXXX contact XXXX XXXX XXXX explaining everything I just found out. They tried to explain they picked up the debt from a different third party agency, but refused to provide a name. I called back two more times, after speaking to a very rude representative, and got sent straight to hold. XXXX at XXXX - I placed two more calls with XXXX XXXX XXXX XXXX after speaking extensively with Citi Banks collections/Recovery Department, and politely asked for the original documentations ; original account number, the card number and what type of card, and the third party agency they received the information from. The lady, XXXX, stated [ they ] DO NOT hand out that information at all. She then refused my request for her to email me the information instead. That is my right to know, especially if it pertains to me, lawsuits, and my SSN floating around so freely. The second call, I was transferred over to the same very aggressive male representative who wouldnt let me speak, and stated they already started the dispute. I couldnt even ask them to cease and desist, before he hung-up on me. Im currently in business with XXXX XXXX, and they see nothing on my credit reports showing anything negative from Citi Bank, or able to verify XXXX XXXX XXXX statement of this account being in collections.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78660
Submitted Via: Web
Date Sent: 2023-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-17
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I AM RECIEVING DEBT COLLECTIONS FROM A CREDIT CARD I NEVER HAD.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 71901
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-17
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Citibank offered a checking account promotion for new customers. 1. I opened an account over the phone on XX/XX/XXXX with a Citibank CSR. The online offer stated fund the account in 20 days however the Citibank CSR stated " since we don't have any physical branches in Texas and you applied by phone, you have 30 days to fund the account. I said are you sure. She said absolutely. Please check phone logs. 2. {$15000.00} was credited to my account on XX/XX/XXXX. 3. Maintain the balance for an additional 80 days. I maintained the {$15000.00} balance from XX/XX/XXXX to XX/XX/XXXX. 86 days. 4. Upon successful completion of the above within 90 days a {$300.00} Citibank bonus will be credited to your account. 5. Spoke with XXXX ( Citibank CSR ) on XX/XX/XXXX, she said promotion code was applied correctly to my account and everything looks wonderful on your account from funding to maintaining the balance. A case was opened XXXX. Still no satisfactory resolution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 782XX
Submitted Via: Web
Date Sent: 2023-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-17
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Someone fraudulently opened up a Macys credit card in my name.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60659
Submitted Via: Web
Date Sent: 2023-04-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-17
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Macys sent my bill to a closed XXXX XXXX and had my physical address, but did not bother to get a hold of me for five months. I finally received the bill from the person working at the XXXX XXXX and I called them and paid the late fees. In the meantime they informed credit and my credit went from XXXX score to XXXX score. Not knowing that I had this bill I purchased clothes at Macys and opened another account because I thought they closed the old one because I rarely used it. I paid the balance and closed. my account when I found out about the credit report. I see my new credit report because I disputed and I see I had now a {$2.00} balance. I called and they said it was interest. I would never have known about this balance if not for disputing my credit report. It seems to me they were looking to charge me late fees instead of trying to find me when they had my physical address.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98502
Submitted Via: Web
Date Sent: 2023-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-17
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: They dropped the limit of my credit from XXXX $ to XXXX XXXX violating 15 U.S. Code 6802 and the Gramm-Leach-Bliley Act, never did they furnish an opt out to reporting to consumer credit beuros. They also closed my account without any authorization.. also not getting consent to recheck my credit score for the new limit... this is unacceptable
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91768
Submitted Via: Web
Date Sent: 2023-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A