Date Received: 2024-02-08
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I applied for a Citi XXXX XXXX XXXX XXXX online and it told me I needed to unlock my credit. I did that and then continued to apply online and was denied even though I have impeccable credit. I then called in and spoke to a representative who told me they could assist over the phone, they proceeded to pull my credit and I was approved. They then said it will take 14 days for you to get your card, I said I need to book flights tonight thats the only reason I applied for this card and she said oh sorry you can only get the card number instantly if you apply online which I had originally done. The phone representative should have told me before I proceeded that it would be 14 days till Id get the card I would never have proceeded with the application, extremely misleading. I then called back and asked what they could do to make the situation better and I eventually got to customer retention and they said oh sorry you havent been a client for 48 hours youll need to call us back then to see if we can do anything, what a kick in the teeth. I dont expect better from citi to be honest they are awful in every sense of the word
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19087
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 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/XXXX, I notified Citiback of a disputed charge in connection with a gift card purchase that I used at XXXX. The gift card was issued by Citibank Shop your Way Master Card. Each month since XXXX, I have have had to call Citibank Master Card to address the {$17.00} under dispute. I was told on XX/XX/XXXX when I called Citibank that the late fees of {$2.00} which were charged on the disputed amount was waived along with the disputed amount of {$17.00} was waived. Citibank also charged another {$19.00} in duplicate and this was also waived. The case was taken by XXXX in Customer Service and all of this was recorded in case iD # XXXX. Since this time, I received collection phone calls from Citibank on XXXX/XXXX/XXXX at XXXX and on XXXX at XXXX regarding a past due amount of {$17.00}. I have made Citibank aware that again Federal Credit Law for disputed amounts to be placed under collection, but the Collections Department seems to be unaware. I have tried diligently to resolve this matter, but I refuse to be held responsible for being charged for a purchase that was paid for using my digital gift card that was issued by Shop your Way Gift card. Since XX/XX/XXXX, I have received no word from Citibank regarding the results of the investigation. -- the only action that they have taken is to send the account to Collections to appears.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77479
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: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: XX/XX/XXXX - An attempt was made to fraudulently wire transfer over {$48000.00} from my business checking account, which Citibank blocked. However, I was not notified in any way that this attempt was made. I only learned about it in a later call with the bank 's customer service. I could have told them to block the account at this time had they let me know and saved a lot of money, pain and suffering. XX/XX/XXXX - A fraudulent transfer of {$46000.00} was debited from my account. Again, I was not notified in any way ( text, email or phone ) that this transfer was made. I noticed the transaction later in the day. It showed as pending on my online banking, so I immediately called Citibank. They told me that the wire transfer department was already closed and that I would have to call back when they opened in the morning. I called a second time, requesting that some action could be taken immediately, but was refused any help. ( During a later call with the bank, I was instructed that Citibank actually does have an after hours process, but they refused me this information at that time. ) XX/XX/XXXX - I called the wire transfer department as soon as they opened to report the fraudulent transaction. At this point, they said the wire had already gone through to and it was out of their hands, but they would issue a wire recall request. I filed a police report and FBI report. XX/XX/XXXX - A credit of {$1700.00} appeared in my account that was affected by fraud. This is the amount Citibank was able to recover from the thieves. XX/XX/XXXX - Citibank told me that my claim had been denied, but gave no reason why. I requested an appeal and sent them the police report and FBI report. XX/XX/XXXX - I received a letter saying " We have completed our investigation of your fraud claim. Please note it has been denied. Our decision was based on : " Leaving a blank where they should have written how they made their decision. I am writing to you in hopes you can help me recover the stolen funds. I have spent an enormous amount of time trying to work with Citibank in trying to resolve the issue. There are " notes '' for my case in the Citibank system that should show all the time I have spent on the phone and in the branch with them. I previously lodged a complaint under XXXX, but received a response that the complaint listed someone not on the account. I did not name anyone in that complaint, so do not accept this as a basis to refuse my reasonable request.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94520
Submitted Via: Web
Date Sent: 2024-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-07
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: A credit card was opened in my name, and was due to identity theft. I contacted all three credit bureaus to put a freeze alert on my credit. This card is still showing up on my credit report and is inaccurate. I need it removed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 301XX
Submitted Via: Web
Date Sent: 2024-02-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-07
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: Citi has overcharged my account by {$490.00}, and refuses to correct the issue. This stems from a merchant dispute, which I have resolved with the merchant and withdrew my dispute. Citi reversed the conditional credit on my account twice, resulting in an overcharge to me. I have contacted Citi a total of 9 times now, without resolution or even an acknowledgment. My account is still showing that I owe an additional {$490.00} that I do not owe. The history is as follows : Initial Charge by Wayfair on XX/XX/XXXX in the amount of {$490.00}. On the XXXX statement, a conditional credit was issued in the amount of {$490.00} on XX/XX/XXXX. On the XXXX statement, a conditional credit was again issued for {$490.00} on XX/XX/XXXX. This conditional credit was reversed on XXXX in the amount of {$490.00}. On XXXX the conditional credit reversed in the amount of {$490.00}. And again on XX/XX/XXXX the conditional credit reversed in the amount of {$490.00}. I have now been charged four ( 4 ) times in the amount of {$490.00}, with two credits issued. Citi must issue a credit to me in the amount of {$490.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33928
Submitted Via: Web
Date Sent: 2024-02-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-07
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I need credit from this store i dont know whats wrong its best buy btw
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92865
Submitted Via: Web
Date Sent: 2024-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-06
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: hi my name is XXXX I am using a Macy 's store credit card. since XX/XX/2023 all my payments are not going through. the result is devastating : late fees have been applied, my credit score went down and my stress is way too high. I contacted both companies macy 's and my bank XXXX XXXXXXXX. all they say : everything is fine. in fact Macy 's is accusing XXXX XXXXXXXX for not processing the payment or me for not having anough balance. I have check and made sure is fine but when I check my statement, I have different mention stating payment reversal or return check. when I contact XXXX XXXXXXXX they say evening is fine. in the mean time I have money in my bank account which is not process and they keep adding late fees after late fees please I really need your help even sueing them if necessary thanks for your understanding
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07017
Submitted Via: Web
Date Sent: 2024-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Subject : Immediate Cease and Desist of Unauthorized Credit Reporting New Jersey FCRA Identity Theft Fraud Laws Dear CITI, I am reaching out to address a grave violation concerning the unauthorized reporting of information to my credit report, as stipulated by the Fair Credit Reporting Act ( FCRA ) under Sections 56:11-34 and 56:11-41, New Jersey 's Identity Theft Prevention Act under N.J.S.A. 56:11-45, and associated statutes. It has come to my attention that CITI has engaged in unauthorized reporting to my credit report without procuring my explicit consent. Federal and state laws, including the FCRA and New Jersey 's Identity Theft Prevention Act, unequivocally mandate that consumer consent is a prerequisite for such reporting activities. I wish to assert unequivocally that I have not provided consent for CITI to report any information to my credit report. This lack of explicit permission constitutes a clear violation of my rights, potentially causing harm to my creditworthiness and demonstrating a blatant disregard for federal and state laws. I demand, without hesitation, that CITI immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by applicable sections of the FCRA and New Jersey state law. Failure to comply within the stipulated timeframe will be construed as willful noncompliance, subject to penalties under the relevant statutes, including New Jersey 's Identity Theft Prevention Act. I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and New Jersey state law. Compliance with federal and state regulations is non-negotiable and essential for protecting consumers from unauthorized and damaging credit reporting. I anticipate your urgent attention to this matter and expect CITI to promptly rectify these violations, respecting my rights under federal and state laws. Done in good faith
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07003
Submitted Via: Web
Date Sent: 2024-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-06
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: There are two charges from XXXX in the amount of {$620.00}. One hit my account on XX/XX/23 and the other on XX/XX/23. I have no idea what these charges are for. I have never ordered anything from this vendor. I have called the company at least three times trying to resolve the matter. They insist the charges are valid despite my statements that neither of these charges were made by me. As a result, I am over my credit limit and being charged late fees.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06082
Submitted Via: Web
Date Sent: 2024-02-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-06
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I opened a case with you in XXXX. Citibank is indicating because a chip and pin was used for a ATM advance, I am responsible for a {$480.00} which I did not receive funds. I did attempt the ATM machine in the hotel ; however, it didn't dispense and was inoperable. The charge in question was XX/XX/XXXX, and I departed Arizona on XX/XX/XXXX. I have proof that I was in Maryland the afternoon of XX/XX/XXXX and the rest of that month. Citibank sent you a notice indicating that they would look into it, and an investigator phoned me which is when you CLOSED the case. I asked them to inquire with the ATM company to verify the machine was inoperable during my stay. Now the amount is showing due on my account once again, no one has contacted me since, and I am now opening another case in order to get this sorted out. Please do not close my case until this is resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20904
Submitted Via: Web
Date Sent: 2024-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A