Date Received: 2023-04-03
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I was approved for a Citi Simplicity card specifically for balance transfers being 0 % for 21 months. Upon approval I had up to 3 transfers available to make. On XX/XX/2023 I made all 3 and was told they would be processed within 2-4 business days. That didnt happen. I waited a week. Still nothing. Waited another week. Still nothing. So I called Citi regarding the status of my balance transfers on XX/XX/2023. The account specialist told me there was a hold on my account but did not care to explain why and then told me all the transfers would be complete by the following day, XX/XX/XXXX. Well, here we are on XX/XX/XXXX and still nothing. This morning I got a text message from the fraud department to provide a yes or no answer to a pending charge. I said yes. I got a text back and said transfer will be completed, there is nothing else you need to do. Cool, right? I check my accounts and still nothing. So, I make another call to Citi. They transfer me to another account specialist and this time they tell me I have to wait for a letter in the mail for a verification code because they couldnt verify my account even though I am speaking to them over the phone and am the owner of the account. I ask for a more clear explanation and all they say is you just need to wait for the code in the mail. This is by far the absolute worst customer service for any bank Ive ever dealt with. So, this goes from them approving me to make balance transfers, me doing so, then it gets put on hold for no reason, then they say it will go through the next day, to now they can not verify my account. What a garbage company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 801XX
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: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: On XX/XX/2023 I was contacted by a mortgage agent XXXX XXXX XXXX ) at Citibank who offered me a mortgage on my investment condo in Florida. After extensive questioning me he said I qualified for a {$250000.00} mortgage. I sent Citibank a deposit including money for an appraisal. After two months and hours to supply their requested documentation which supported everything I had told the agent are still suddenly requesting additional documents which are redundant to information already supplied. This is now the third month since my application and they now say I only qualify for {$160000.00}. I now feel that I have been scammed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06830
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: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I opened a best buy citi store card and since the start of me having this card its been nothing but problems. I cant place a order online because my orders all get cancelled for some unknown reason. Also my card is always gettting locked everytime i attempt to use it. When i call into customer service its almost always with someone overseas who has no business dealing with accounts they speak bad english and they are very rude. Ive called in numerous times with my the pin thats mailed to me and still its not good enough. Complete joke of a company
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91763
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: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Hello I am filing a complaint because I filed a dispute with Macys over some fraudulent activity on my account- this dispute got declined - they have opened a new case to " re investigate '' but I am doing my due diligence in filing a complaint to ensure I am not responsible for charges I did not make. I opened a Macy 's card on XX/XX/XXXX in-store to receive a promo offer on purchases I had made. I had purchased a chain for my boyfriend, and 4 necklaces for myself and my family for XXXX ( this was the only time I had every used this card - the day I opened it ) I ordered this card to my home address - However - I never received this card that was mailed out. When I called the Macy 's CC department on XX/XX/XXXX, the initial call was to see when I could expect my credit card to arrive. I spoke to an employee who told me that there were charges of over {$1000.00} on my account. However, as stated, I never received the card that these charges were made on. I spoke to the employee on the phone and he informed me that my credit card, which was ordered on XX/XX/XXXX, had been sent. I had not ( nor have I ever ) received the credit card on the date of XX/XX/XXXX which was a month after ordering the initial card. This prompted me to call the fraud department. I spoke with an employee who explained they would cancel the card I was previously issued, before issuing and sending a new card. After not receiving the old card at the address I initially provided, I had a new ( different ) card shipped to my work address. I received the new card, which was ordered on XX/XX/XXXX, after the fraudulent charges were made. The fraudulent charges were made on XX/XX/XXXX and XX/XX/XXXX according to customer care reps. There were 2 charges made on XX/XX/XXXX - The amounts were {$70.00} - XXXX XXXXXXXX XXXX XXXX XXXX ) and {$370.00} ( sunglasses ) There was a third purchase made on XX/XX/XXXX for the amount of {$1000.00} ( mens jewelery ) The above information was provided to me by Customer care reps. On XX/XX/XXXX - I called and spoke to a customer care rep who also told me that the signature and the name that was given on the dates of XX/XX/XXXX and XX/XX/XXXX when the fraudulent purchases were made - were different than the signature I gave them the day I opened the card. Along with the fact that I never received this card- I am not sure why my original fraud dispute got declined. The dispute # is XXXX I have also filed a police report with XXXX Police Department - I can provide that information of the report # if requested ( it told me not to add any personal info in this report ) Any further information needed can be provided if you email or call me ( email is better as work keeps me rather busy ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78704
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: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Dear Citibank, I am writing to dispute and seek the discharge of my credit card debt with your institution. As I have been researching my legal options in regards to my debt, I have come across a legislative act th at may provide me with the means to discharge my debt entirely. The act is known as HJR 192. HJR 192 is a joint resolution that was passed by the U.S. Congress on XX/XX/XXXX. This resolution was put in place as a response to the economic turmoil of the Great Depression and sought to address issues of debt and inflation. The resolution was intended to provide a way for individuals to discharge their debts without using traditional forms of currency, such as gold or silver. Under HJR 192, all obligations, including debts, were to be discharged by the government. This meant that individuals were no longer required to pay their debts with traditional forms of currency. Instead, the government would provide a way for debts to be discharged using a new form of currency known as " United States notes. '' Although HJR 192 was ultimately repealed in XXXX, its provisions remain relevant to this day. Many people have successfully used HJR 192 to discharge their debts, including credit card debt. By doing so, they were able to free themselves from the burden of debt and start anew.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93446
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: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Dear Citibank, I am writing to dispute and seek the discharge of my credit card debt with your institution. As I have been researching my legal options in regards to my debt, I have come across a legislative act that may provide me with the means to discharge my debt entirely. The act is known as HJR 192. HJR 192 is a joint resolution that was passed by the U.S. Congress on XXXX XXXX XXXX. This resolution was put in place as a response to the economic turmoil of the Great Depression and sought to address issues of debt and inflation. The resolution was intended to provide a way for individuals to discharge their debts without using traditional forms of currency, such as gold or silver. Under HJR 192, all obligations, including debts, were to be discharged by the government. This meant that individuals were no longer required to pay their debts with traditional forms of currency. Instead, the government would provide a way for debts to be discharged using a new form of currency known as " United States notes. '' Although HJR 192 was ultimately repealed in XXXX, its provisions remain relevant to this day. Many people have successfully used HJR 192 to discharge their debts, including credit card debt. By doing so, they were able to free themselves from the burden of debt and start anew. Thank you for your consideration in this matter. Sincerely,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93446
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: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: In accordance with the Federal Credit Reporting Act this creditor, Macys/CBNA has violated my rights. Under 15 U.S.C 1681 section 602 states I have the right to privacy, 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 166B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91307
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: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have no idea what these are I not aware I never received anything letter me know about these charges
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2023-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-04
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 purchase of a gas dryer from Best buy from XXXX. I happen to notice this order in my history shortly after the XXXX, via my XXXX ( Best Buy App ). I cancelled the order via the app and I did get the confirmation. I reached out to Best buy trying to find out the means that this order was placed ( Cell phone, desk top, etc ) I also asked for the IP address of the placed order, so that I could use that for the fraud. I received nothing, I have gone back and forth with the bank and the merchant for this order I did not place. I have recieved a temp. credit and then rebilled several times for this order. At this point The merchant will not take any of my calls, they cancel any online order I place, and also If I am able to speak to someone to state to me to contact my local law enforcement. I have letters dated with the following datesXXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. Please note in the first two investigations I requested the documents that were obtained and used to make the determination and the bank did not comply, please see the letter I sent to them, they did send me the docs after that written request. So finally in the letter from XXXX it was found in my favor, and the matter was considered closed, however it was reversed in XXXX, please see the letter from them dated XX/XX/1923 and my letter to them dated XXXX. I called them on XXXX to spoeak to someone, and in sum they stated that I needed to take this matter to court, but they did not provide any information to me on who to list on my court filing should I go that route. I also stated to them the law in CA where if I received unordered merchandise ( From the FTC ), then it was seen as a gift. I cancelled the order prior to the receive date, so I knew it was cancelled, also I never placed this order in the first place. They claim that it was delivered. When the determination was made in my favor, it was based on the same evidence that was used to reverse it in XXXX. Does not make any sense.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90022
Submitted Via: Web
Date Sent: 2023-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-04
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: On XXXX XXXX, I opened Citigold checking account ( zero interest ) number XXXX online to earn {$2000.00} cash bonus, with {$300000.00} in deposit. Please see an attached file XXXX On XX/XX/XXXX, I received a welcome email of my New to Citigold checking account with timeline to earn cash bonus. I would get {$2000.00} cash bonus no later than XX/XX/XXXX. Please see XXXX attached files XXXX Please look at my bank account statements from XX/XX/XXXX to XX/XX/XXXX. I have completed all required activities, but I did not receive the cash bonus. Please see 6 attached files XXXX On XX/XX/XXXX, I contacted Citigold Manager : XXXX De XXXX XXXX phone # XXXX, her email : XXXX. I have asked her to review my cash bonus case. Please see an attached file XXXX We have exchanged emails with no progress. After XX/XX/XXXX, she stopped responding my email and phone call. On XX/XX/XXXX, she informed me that she would forward my case to a new manager : XXXX XXXX, phone # XXXX, his email XXXX. I immediately sent him an email with no response. Please see an attached file XXXX On XX/XX/XXXX, I have sent him an email again. Please see an attached file XXXX On XX/XX/XXXX, he informed me that I was ineligible for the bonus because I had an old joint checking account in the past. Please see an attached file XXXX In the past, my wife had a Citibank checking account. She closed that account around mid XXXX. She was primary owner. She added me as secondary one. Dear Consumer Financial Protection Bureau, I have the following complaints : Citibank must have known who was eligible to get cash bonus. They sent me a welcome email of New to Citi Checking Cash Bonus Offer. Apparently they were willing to keep my {$300000.00} in deposit at Citibank. On XX/XX/XXXX, I contacted CitiBank and asked them to review my cash bonus case, their review process have lasted for more than 2 months. Since XX/XX/XXXX until XX/XX/XXXX, Citibank has earned profit from my large fund, but I have earned nothing from zero interest Citigold checking account. Would you please to do an investigation on my {$2000.00} cash bonus case? Your help is greatly appreciated. Best Regards,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78613
Submitted Via: Web
Date Sent: 2023-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A