Date Received: 2023-04-05
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/2023, I reached out to a person on XXXX who goes by the username XXXX to get concert tickets, as they made a post that they were selling tickets to see the XXXX XXXX at XXXX XXXX XXXX on XX/XX/2023. I reached out to them to inquire more. I told them that I was wary of scammers selling tickets, and after assuring me they werent a scammer, they even stated that I can only pay half and then after they send the tickets I can pay the remaining amount in good faith. I was fooled by the human-like interaction I was having, and ended up sending half the payment, {$180.00}, through XXXX. The XXXX account is XXXX. The scammer kept alleging they didnt receive the money, yet it was already taken out of my account so I told them I wasnt sending anymore. After I realized I wasnt getting the tickets I paid for, I told them to refund me my money. They ended up blocking me and putting the scam back up on XXXX after I looked from a different account. They ended up getting suspended on XXXX and the next day, I reached out to my bank, XXXX XXXX XXXX, to see what I could do to get my funds back. A couple of weeks ago, XXXX XXXX XXXX stated that they reached out to the bank that the scammer used, CitiBank, to get the funds back and CitiBank refused to cooperate. I filed a complaint against XXXX already, and they did not give me the response I was looking for. I am a college student who has a lack of funds as is, and the money sent for the concert was from my savings and put me into a depression. Therefore, I am now filing a complaint against CitiBank for the {$180.00} dollars I sent to the scammer through XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06811
Submitted Via: Web
Date Sent: 2023-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-05
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have Citibank XXXX XXXX XXXX Credit Card. They have been advertising a flex payment option on large purchases. Last month I made XXXX airline ticket purchases of $ XXXX. I enrolled in Flex pay plan for these amounts for XXXX months with a 1.99 % APR. My plan was to pay these purchases via the monthly payment plan. But pay off any other purchases in full every month. I am enrolled in Autopay and I went ahead and selected an option that said " Adjusted New Balance + Flex Plan Monthly Payment - Additional information expanded This includes your monthly Flex Plan Payment Amount and the non-Flex Plan portion of your last statement balance. It does not include Flex Plan payments due in future months. '' It clearly states that this option means that every month it will deduct my monthly flex payment plan plus any " non-flex portion of my statement balance ''. But this month, they deducted the entire amount including the the purchases on the flex payment plan. I had not budgeted for such a large amount to be deducted from my checking because I was thinking only the flex payment installment plus other balances would be deducted. I called Citibank and they said they can deduct the monthly payment and refund the rest of the amount. But I asked them why this happened? They forwarded my call to another department and they explained that the only way I can make sure that this wont happen again is to select the " minimum payment '' option. But I told them, I dont want to make only the minimum payment because I dont want to pay interest on the other purchases. Moreover, they have the option under the Autopay for " Adjusted New Balance + Flex Plan Monthly Payment ''. But they told me that this option does not work and only minimum payment will work. I believe this is unfair business practice. They are advertising the flex plan installment payment option, giving us an option to make a flex installment plan+other balances, but then that option doesn't work and instead forces us to make a minimum payment. Thank XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90250
Submitted Via: Web
Date Sent: 2023-04-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-03
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Citi appears to constantly have issues with their site - while this problem is unique to this card. It seems like there is always an issue that mays my payment late. Please see the link below, I have paid on this credit card this way for over 10 years, the last few months the payment portal has been broken and I am paperless. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97206
Submitted Via: Web
Date Sent: 2023-04-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-03
Issue: Getting a credit card
Subissue: Problem getting a working replacement card
Consumer Complaint: I was approved for a credit thru Citibank and it never came.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93065
Submitted Via: Web
Date Sent: 2023-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-03
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I received an alert through XXXX XXXX notifying me that I had a new card on my account. I knew I did not apply for a card anywhere and the card says it was for XXXX XXXX I then received a paper statement in the mail showing what purchases were made and the location. I don't even have a XXXX XXXX near me or did I open the card when I have plenty of other cards. I am also a XXXX year old women who would not buy a ton of mens suits and jewlery.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 16801
Submitted Via: Web
Date Sent: 2023-04-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-03
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 was a credit card issued in my name and sent to my address that I did not apply for. It was a macys credit card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 169XX
Submitted Via: Web
Date Sent: 2023-04-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-03
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Background : I've been a Citibank credit card account holder since XXXX, and it recently came to my attention that I'd been enrolled in their " XXXX XXXX '' program unbeknownst to me. This is a program that, to the best of my knowledge, I've never agreed to participate in, but have nonetheless been subject to, exposing me to years of monthly fees totaling in the thousands. Over the past months I've contacted Citibank on numerous occasions requesting proof that I willingly enrolled in the " XXXX XXXX '' program. In each instance no such proof could be relayed by phone, only a promise to share such details by mail. I've since received two identical letters ( one of which I'm including in this complaint ) suggesting that I enrolled in the program XX/XX/ with no evidence to support my authorization ( something that was promised when speaking to Citibank representatives by phone ). What's more, when speaking with Citibank representatives I was assured this was a program I would have had to proactively enroll in, suggesting that such proof of consent exists. Still, no details have been offered. As far as I can tell Citibank fraudulently enrolled me in their " XXXX XXXX '' program, collecting monthly fees I never authorized and has placated me in all attempts to refund said monies. XXXX Update : Citi 's response to my complaint lodged through the CFPB is their latest attempt to further placate me. They've provided no additional evidence that would prove I willingly enrolled in the XXXX XXXX program, only suggesting that my activation of the card was consent enough. What's more, they included a veiled threat to alert ratings agencies of any delinquent payment activity due to the dispute, despite the fact that my account is in good standing. This was a boilerplate response that aims to dissuade me from any further action.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90404
Submitted Via: Web
Date Sent: 2023-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-03
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I was mailed a Best But Citi credit card. I called Best Buy/Citi to inform them that I never signed up for this credit card. I then got in the mail a notification that the credit card had been used and purchased goods on this card, which was fraudulently created in my name. After this occurred, Best Buy canceled the credit card for being created fraudulently. However, this credit account is still on my Credit Report and I still get mail about an outstanding balance to be paid. I filed a fraud claim with Best Buy/Citi and XXXX. I never signed up for this card or made purchases on this card, and need it removed from my credit account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29464
Submitted Via: Web
Date Sent: 2023-04-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-03
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I am not sure if I chose the correct complaint- here is what happened. My husband. XXXX XXXX XXXX passed away on XX/XX/2022. XXXX had a few credit cards on his own and I called everyone of them a few days after his passing to notify them all. Each creditor asked if there was an Estate and I told them no. I was told by every creditor that is debts would be forgiven and I mailed all of the a copy of XXXX 's certified Death Certificate. I received in the mail from 3 of his Citibank Creditor 's a 1099-C for each of these accounts ( attached ). I immediately tried calling their Recovery Dept and was on hold for hours days at a time, with no contact from them. I sent them a letter ( attached ) dated XX/XX/XXXX, the day after receiving them and still have heard nothing. He had approximately 5 store credit cards and the other 2 creditors never heard from them again. This is going to pose a huge tax implication to me and they will not respond. I am shocked that I received these as he was making payments on these cards and then to have been told that the accounts would be forgiven. I would greatly appreciation your assistance. In my time of grief and having to deal with this, is horrible. Thank you. XXXX XXXX ( XXXX )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89052
Submitted Via: Web
Date Sent: 2023-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-03
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Home Depot purchase washer and dryer on XX/XX/XXXX NO interest for 12 months ending XX/XX/XXXX. Faithfully made monthly payments and remitted final payment of {$300.00} toward promo balance due of {$210.00}, remaining XXXX to second promo beginning XX/XX/XXXX for water heater purchase {$1500.00}. Eagerly awaited next bill to record this transaction paid in full and to my dismay was charged {$230.00} interest!! Immediately contacted Home DepoXXXX and was told that because of the way payment had been allocated there was no way to correct. Not understanding what had happened, I was very confused and upset. Asked to speak to supervisor 's boss who was not available and was given a message to call me. Never did hear back so attempted to resolve by calling on XX/XX/XXXX and was again told that this was not THEIR mistake and ; therefore, couldn't be fixed. I am a senior citizen on a fixed income yet offered to pay entire second promotional balance in full. I understand that is not satisfactory without paying adjusted interest? Today, I have submitted a payment for {$1400.00} less interest charges. Note after submitting this payment, I check payment activity and a screen popped up with " allocation '' information. It is extremely confusing and easily misunderstood. After reviewing, it would seem the account holder is directing Home Depot to make additional payments to other promo balances and why would that be necessary? I would appreciate your thoughts. I believe the rest of the consumer public needs to be made aware. ( Unfortunately, could not locate this again to attach for your own review ) Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A