Date Received: 2023-03-28
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: On XX/XX/XXXX I received a letter dated XX/XX/XXXX from BestBuy Credit Services stating that I was denied a credit card that I never applied for. The state reason for denial is " Unable to verify identity information. '' I tried calling BestBuy Credit Services as well as CitiBank and could not speak to an actual person without providing an account number ( which I do not have ), or my social security number ( which I am not comfortable providing ). I am regularly checking my bank accounts to ensure there are no suspicious charges.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63116
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On XX/XX/2023 I made a {$50.00} payment on XXXX using my Citi credit card. XXXX charged a {$1.00} fee which was clearly disclosed when I made the transaction. A few days later I was charged a {$10.00} " Cash Advance Fee '' from Citi for this transaction. Citi claims this is disclosed in their credit card agreement -- which is multiple pages of fine print and impossible to read let alone comprehend. {$10.00} for a {$50.00} payment is excessive and is not clearly disclosed. This appears to be a widespread pattern of practice that could very well be deceptive or abusive under the laws enforced by the CFPB. I ask that you look at Citi 's practice more broadly as XXXX is widely used and I am certainly not the only consumer to be in this situation. I've been using my credit card on XXXX because I did not want XXXX having access to my bank account given the various data/security breaches with private financial information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20016
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
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: XXXX AT & T Universal Card account shows a pending " authorization charge '' of {$26.00} for an XXXX ordered. I paid this on XX/XX/23 and XXXX says it removed the charge on XX/XX/23, yet the credit card online account summary shows the charge still pending. I contacted AT & T card service on XX/XX/23 and was told nothing could be done until the charge posts and is disputed, XXXX tells me the card carrier is taking too long to remove this pending charge that I have already paid. AT & T customer service tells me I must wait until the charge posts and go through the dispute process. In the meantime my credit limit is reduced by the amount of this charge. AT & T should promptly remove this illegitimate pending charge and release the amount back to my credit limit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 759XX
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Hi, My name is XXXX XXXX XXXX. I saw Citibank is giving {$1000.00} bonus to keep {$80000.00} in for 90 days. I borrowed {$80000.00} from XXXX XXXX, he is like a father to me, he knows me since before I was born. XXXX XXXX just recently sold a house in XXXX XXXX, XXXX XXXX to be exact. XXXX XXXX got a Cashier 's check for {$80000.00} from his bank, XXXX Bank XXXX XXXX XXXX, XXXX XXXX, FL XXXX. He made it out to me, XXXX XXXX XXXX. We both went to Citibank together at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX and I opened an account with XXXX XXXX, she is the bank employee that opens accounts. Two weeks later approx. I was told the account is frozen by the fraud department. I opened the account on XX/XX/2022. I have the photocopy of the cashier 's check that was deposited and processed by Citibank. Ever since then Citibank has been giving me the runaround and telling me the check is being sent back to ME, to my mail address. Then after more phone calls must have called XXXX0 times, Finally now around XX/XX/XXXX XXXX approx,. I was told on phone that Citibank is sending me a check. Then on XXXX XXXX they say, no check for me. They say the money has to be reclaimed by the sender. The sender tried to reclaim at his bank, XXXX XXXX .XXXX said not possible because it was paid to Citi Bank XXXX Citibank is holding the money. On XXXX. We went to Citibank and talked to manager. He gave me runaround, did not resolve. We went a week later to a Citibank in XXXX XXXX and talked to manager, he said the check was sent back to XXXX XXXX In XXXX. BUT I have a XXXX statement that Citibank has my money in a XXXX XXXX account in the amount of {$78000.00}. The check was {$80000.00} and I withdrew some money before they froze the account. So how can they say that they sent back the check, if money has already been withdrawn from it. XXXX XXXX went to XXXX XXXX again in XX/XX/XXXX to ask if there's money for him sitting somewhere that was sent back from Citibank. XXXX searched and said no money was received from Citibank. Please help me get my money back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33064
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: For the past month, Ive been unable to access my accounts and attempts to rectify have not been resolved. I have called Citi customer service three times and the representatives have chosen not to help or resolve. Its important to note that this is the latest in several issues I have had with Citi ranging from declined credit card purchases to unjustified interests and fees.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10075
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: My Citi bank checking account has been charged service fees many times for not maintaining a minimum balance, however, I qualify waive those requirements with direct deposit and bill pay. I have to reach out to customer service to reverse the fees, and every time they try to dispute. Only when I ask them to read their own policy, do they reverse the charges. I have the resources to spend time fighting these charges each time, but many don't. They are relying on the fact that most customers don't have time or the knowledge to dispute fees like this. It's a drain on my time and their own customer service resources.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32034
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: Citibank refuses to look up my credit card information that had THANK YOU POINTS associated with it. I was rudely put on indefinite HOLD by agent who insisted the only way to move forward was with the old card number - even though I had verified a different current card number. She refused to connect me to a supervisor. Instead of hanging up, she placed me on hold, stayed silent, and never came back onto the line after 20 minutes of hold time. I did not disconnect the call.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30084
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Someone claiming to be me my identity was fraudulently used to open a Macy Store credit card, this was not me! XX/XX/2022 someone hacked into my banking account @ XXXX institution and my credit cards on file with XXXX XXXX XXXX Fraud Dept. Contacted me they stopped payment for airline tickets and cash withdrawn from a casino XXXX XXXX in XXXX XXXX, NV. I reopened a new banking account and transfered my funds to new account! 3 credit card closures on both my XXXX XXXX XXXX XXXX XXXX credit card! I never open up Store Credit Cards ever!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76048
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: As of XX/XX/XXXX I hired a debt consolidation company called XXXXXXXX XXXX XXXX to handle the credit card that I have with GoodYear Citibank. I hired a debit consolidation company because I have been going through a divorce since XX/XX/XXXX. I also have a court order showing that I have a trial date on XX/XX/XXXX and this is a joint responsibility to be divided or paid fully by my soon to be Ex-Husband. I have attached a copy of my court order and the summons they sent me. I will also be reaching out to the court house and send another copy of the court order to them. I am not able to settle this debt until my divorce is finalized and I know what I will be awarded.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 446XX
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: For two weeks now, I have tried to get Citi Bank to update the information they incorrectly sent to the IRS on a Form 1099-INT. On XXXX XX/XX/2022, I cashed in several savings bonds and received a transaction report. I received no other documentation except the overall total of what Citi Bank at branch XXXX- XXXX XXXX paid. Despite several phone calls, Citi does not understand how to update the form to reflect the savings bonds interest and despite a case being opened up, there appears to be no one at Citi customer service that understands how to reflect interest from savings bonds.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80922
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A