Date Received: 2023-04-14
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: Regarding order # XXXX, Macys refuses to refund me {$240.00} for an item I returned back to them because I originally received an incorrect item ( not what I had ordered ). They claim that the item is fake, however I did not send anything else other than what I had received and since it was not the item I purchased I returned it back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-14
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Ive had a checking account with citibank for approximately 7 years and over a week ago I became aware that they have decided to closed my account, I got in contact with them via phone and I was not told an specific reason as for why did they closed the account, they told me that they have sent me a check with the amount of the funds I had in the account but I have not received it yet, I Am writing this complaint because I need help getting my my funds back, since its all the money I have at the moment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11205
Submitted Via: Web
Date Sent: 2023-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-14
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXX XXXX XXXX I have no knowledge of this account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 731XX
Submitted Via: Web
Date Sent: 2023-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-14
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: *My dispute is with : Citibank XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX SD XXXX *Phone number : XXXX or XXXX *Last four digits of my Citibank credit card is XXXX *XXXX XXXX XXXX- initiated a balance transfer from my Citibank account ( XXXX XXXX to my XXXX XXXX credit card ending in XXXX in the amount of {$4700.00}. I waited one week, but I never received the credit to my XXXX XXXX XXXX account for the balance transfer from Citibank. *XXXX XXXXXXXX - I called Citibank and spoke to a customer account rep in regards to not receiving my balance transfer to my XXXX XXXX credit card. The rep inform me that she would put in a dispute, and it would take 5 to 10 business days. *I received correspondence from Citibank dated XX/XX/2023, stating that a dispute has been opened. On this correspondence, there is a case ID number XXXX * I received another correspondence from Citibank dated XX/XX/ stating : Proof of electronic payment has been sent to XXXX XXXX XXXX so they can credit the balance transfer to the correct account. A copy of the proof of payment has been sent to you under separate cover. I never received this proof of payment that they stated. I then called Citibank again and spoke with a male acct. rep who stated that the dispute was completed and I should receive my balance transfer in 5 to 10 business days. XXXX XXXX - Called and spoke with an account rep by the name of XXXX who stated that I transposed the third set of numbers on my XXXX XXXX credit card incorrectly and the monies had been sent to that incorrect account number. She stated she would open up another dispute. XXXX XXXX - call Citibank again and first spoke with a rep name XXXX who transferred me to a rep named XXXX in the Fraud Dept XXXX During this telephone call, I was at XXXX XXXX XXXX in the office of a personal banker by the name of XXXX XXXX. I had XXXX on speaker so he could converse with XXXX. He told XXXX that Citibank sent the balance transfer to my account. He told XXXX that Citibank sent the balance transfer of {$4700.00} to a credit card number that had the third set of numbers as XXXX which is not correct. The correct number for that third set of numbers should have been XXXX. This was my error when I initiated the balance trance for online. XXXX proceeded to look for the balance transfer going to a credit card number of XXXX which she stated was not a valid XXXX XXXX XXXX credit card number. XXXX also spent time looking through all the balance transfers at XXXX XXXX XXXX that had been received in XXXX and never found a total of {$4700.00} received at XXXX XXXX XXXX. XXXX provided XXXX with the transaction number of the balance transfer from Citibank to XXXX XXXX. Again XXXX found no record of the transaction number that was provided for him. I left the bank, frustrated and asked to speak to another supervisor whose name was XXXX. Once again, they tell me that they were opened up a dispute and that it should take 5 to 10 business days for resolution. XXXX advise me to give a call back on Monday, XX/XX/XXXX to see the status. * XX/XX/XXXX- I spoke with a supervisor by the name of XXXX from Citibank, who once again stated that she would open up a dispute. I had mentioned before that Citibank is now having me to pay a monthly payment to my account because my account is showing that they sent the balance transfer to XXXX XXXXXXXX XXXX I also have to pay XXXX XXXX XXXX a monthly payment because XXXX XXXX XXXX has never received the balance transfer from Citibank. XXXX was kind enough to give me {$100.00} credit on my Citibank account but advise me to continue to pay the monthly pay. She stated to wait another 5 to 10 business days for the dispute to be resolved. five business days have passed and on XX/XX/XXXX that will be 10 business days and I have no faith that there would be resolution. XX/XX/XXXX- I called Citibank again in regards to this matter and asked for their corporate number which they could not provide but he gave me an address that I can send correspondence to. At that point I called the XXXX XXXX XXXXu. Unfortunately, they were not able to help me with this matter, and referred me to you. Please help me these people have been giving me the runaround for over a month now and I am being charged for monies I have not received. I am now getting interest on my XXXX XXXX credit card, because the balance transferred has never been received and I have also have taken a XXXX point decline on my credit score because of this. The resolution that I am seeking is, I want my money transferred to my XXXX XXXX credit card. I feel that I should not have to wait until they figure out what has happened before I receive my money. I feel that they should instantly send my {$4700.00} to XXXXXXXX XXXX for my requested balance transfer immediately and then they can figure out where that money went and take it from there instead of punishing me. I also feel the 5 % balance transfer fee should be credited to me for all of the aggravation, stress and strife that I have endured for these last six weeks.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 49509
Submitted Via: Web
Date Sent: 2023-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-14
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XX/XX/XXXX an ACH for {$25000.00} was sent from XXXX to our international account number ending in ... XXXX at Citibank XXXX This number changed on XX/XX/XXXX to account ending in ... XXXX when Citibank migrated the account from a Private banking account to a domestic account. The ACH was deposited in the old account number that nowadays belongs to someone else despite the fact that rest of the beneficiary information did not match ( name & address ) skipping the minimum steps for verification. To date, the money has not been returned to the sender at XXXX and no solution has been proposed by Citibank arguing that the current owner of our old account number dishonestly has denied to return the funds and the only response we get is that it is being handled by Citi XXXXs Executive Response Unit after two and half months have lapsed ; XX/XX/XXXX to date. We have exhausted all the efforts available through the limited Citibank communication channels, clearing minor roadblocks and finally getting some attention, but to date this issue remains unsolved. The money should be sent back to the originating account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33434
Submitted Via: Web
Date Sent: 2023-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-14
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Entered into a settlement arrangement with Citibank / Home Depot Credit card. Payment agreed to was {$760.00}. Payment was sent as agreed. Citibank successfully deposited the check but credited to the wrong account and never credited my accounts. My attorney and I have attempted to get this resolved directly with Citibank, but to no avail. We have called, emailed, faxed and sent letters over 35 times and are still unable to get the problem resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 347XX
Submitted Via: Web
Date Sent: 2023-04-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-14
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I was trying to inquire on a credit card debt. Agents in general departments acted normally and routed my call to the XXXX Department. I called CitiBank at XXXX XX/XX/23. I recorded the phone call as she became rude. This agent became hostile when I indicated I had difficulty hearing her, though I was patient and calm. Her hostility continued, and she had difficulty looking up my accounts with the bank. She denied to provide me any information regarding one of my card debts, she cut me off during speaking, and she threatened to disconnect the call. I asked her to disclose her name, but she refused ( I believe this is a requirement in the banking industry ). She then became silent for 30 seconds, then spoke to me again saying goodbye and transferred my call to a Spanish-speaking automated system. ( It seems like she was not allowed to disconnect the call, had tried to convince me to hang up, and then abused a call transfer system. Most concerning is that she would not self-identify after her unprovoked rudeness. )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10033
Submitted Via: Web
Date Sent: 2023-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-15
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: About my card ending in XXXX I reached out to citi dispute team several times, regarding a XXXX charge ( case ID XXXX ) posted on XX/XX/23 which was not found in my favor from the merchant XXXX filed by citi as Canceled service. I filed two other dispute with the same merchant filed as services never received which was found in my favor for dollar amount XXXX ( Case ID XXXX ) and XXXX ( Case ID XXXX ). The dispute team sended me a letter saying they closed the XXXX dispute saying " we no longer have any recourse to obtain credit for you since the timeframe, in which to resolve a dispute has passed. We apologize for inconvenience this may have caused. '' I reached out to citi several time prior requesting the filing reason they put to be changed but they did refuse to take appropriate action. Citi had 2 times prior found this XXXX dispute not in my favor but I had responded to citi and had the case reopened. I spoke with citi today inquiring about their logic which lead them to close a dispute as it took there team to long. In intrest that citi take action in resloving this dispute in my favor I would appreciate it that citi be reached out to and resolve this case in my favor.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10704
Submitted Via: Web
Date Sent: 2023-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-14
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/11 Macys said they would do a limit increase but they needed to do a Soft Credit pull. I said ok no problem but if its a hard inquiry I FO NOT WANT IT. Macys assured me it wasnt a hard inquiry and now I see a hard inquiry.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-14
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 XX/XX/, I initiated a balance transfer of {$2500.00} from my Citibank Simplicity Credit Card to my XXXX XXXX XXXXXXXX Credit card. However, I put the wrong numbers on the balance transfer form. On the second set of 4 number I put two XXXX XXXXs instead of two XXXX 's. Citi found the error and explained it to me. The representative said the money would be back on my card in 3 business days. That didn't happen, so I enlisted the help of XXXX XXXX XXXX to help me fix this on XX/XX/XXXX. Citi opened an investigation and gave it a reference number XXXX. After two more investigations, and another trip to XXXX XXXX XXXX on XX/XX/XXXX for their assistance, Citi said they would expedite this and I would have the credit on my card in 48 hours. Instead, I got yet another letter saying the balance transfer was sent sucessfully to a XXXX XXXX account. I never heard of XXXX XXXX, and they don't want to talk to me because I have no business with them. Many phone calls later, I'm no further getting this resolved, and I'm paying interest on money I don't have, not to mention what it's doing to my credit score.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37115
Submitted Via: Web
Date Sent: 2023-04-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A