Date Received: 2024-02-05
Issue: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: On XXXX XXXX, I tried to activate my card. The activation site did not work on 2 browsers, so I called the number on the back of the card and I think it was finally activated. I then tried to add it to my wallet. Again. online did not work so I called the number on the card. They began asking an unusual number of verifications and then told me to give them my cell phone and proceeded to tell me it was " unauthorized '' I asked why and they told me it did not " meet the criteria ''. I asked what criteria and was told I can't tell you that until you give me another phone number. I asked for a supervisor. I got XXXX, This began all over again. Same process. Told me the number was not authorized. She asked for another phone number and I asked why. Against my better judgement, I gave her my home phone. She said that was unauthorized. This process is very suspect. Why they think my phone number is not good I have no clue. When a supervisor does not explain, this is not acceptable. I told her I wanted to close my account and she told me that she couldn't do it and needed to send some letter. I called back again and asked to close me account and was told no. I needed to verify the account and go through this process that doesn't work. I asked for a supervisor. This supervisor, XXXX, would not close the account and said " wait for the letter if you won't go through the verification process. I asked for her supervisor 's name she said you are at the highest level. I said that she had a supervisor but she refused. This process is convoluted and to not be able to cancel a card within a reasonable period of time makes no sense.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19380
Submitted Via: Web
Date Sent: 2024-02-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-05
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: Citibank , N.A . Denied my dispute for a refund for charges to my Citi Card for service not received. ( a trip canceled by vendor ) History of dispute with Citi Card : XX/XX/XXXX I filed an initial claim with Citi ( R ) Cards ( referred to as Citi in this correspondence ) XX/XX/XXXX letter from Citi requesting additional information regarding this claim XX/XX/XXXX letter from Citi stating they are reviewing my claim INTERIUM : Numerous correspondence and phone conversations with Citi stating they are working with the vendor to obtain credit XX/XX/XXXX Denial letter saying, Based on the time that has passed since you canceled the services, we have no option to obtain a credit on your behalf Incorrect -see attached. Time passed because of my efforts to settle with the vendor, and the vendor canceled the service, not me. XXXX months passed with Citi denying me a refund for services I never received. a trip! The original trip was on XX/XX/XXXX -the start of the XXXX pandemic and the travel shutdown. The vendor rescheduled the trip ( to XXXX ) to XXXX. Pandemic restrictions continued. The vendor shut down travel to XXXX and replaced it with XXXX XXXX XXXX trip in XXXX. The ship being built-not finished-trip was postponed to XX/XX/XXXX. Shipbuilding delays resulting from the pandemic- postponed to XX/XX/XXXX - again postponed until XX/XX/XXXX. Less than XXXX hours before my planned departure on this trip, it was canceled by the XXXX through an email ( see attached ) I immediately requested a refund from the vendor and made multiple attempts for almost two months, but no refund was issued, and I learned that the XXXX had declared bankruptcy on XX/XX/XXXX. Within 60 days of realizing my efforts to get a refund from the vendor were futile, I filed a dispute with Citi ( R ) Cards for services paid on my Citi Card but not received. I provided Citi with all the information requested regarding this claim. On XXXX XXXX, a denial came from Citi for erroneous reasonsCiti knew services were canceled by the vendor, not me, and the delay referred to was caused by my multiple efforts to secure a refund from the vendor. Taking due diligence and actively pursuing a refund from the vendor, as recommended by Citi, to pursue a refund before filing a claim with Citi is being used by Citi for denial of the claim. My effort to follow directions, taking time to get vendor refund, delayed my filing a claim with Citi and is being used as a reason for denial. I paid Citi XXXX for a service I did not receive. This situation started with the pandemic, which provided very different circumstances, and in good faith, I followed the instructions to resolve this issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02050
Submitted Via: Web
Date Sent: 2024-02-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-05
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I opened an high yield savings account on XX/XX/XXXX. This is an online account because there are no branches in Colorado. I funded this account via an online banking transfer from XXXX on XX/XX/XXXX per Citibank instructions. Without notifying me, Citibank decided to block me out of my account on XX/XX/XXXX and to illegally appropriate my funds without allowing me to move them back to XXXX. I requested XXXX to reverse the transaction on XX/XX/XXXX and Citibank declined on XX/XX/XXXX. After many calls to Citibank with the XXXX department, I was told the issue was that because I funded this personal Citibank account with my business account funds under my registered business name. On XX/XX/XXXX Citibank verified twice with XXXX that I am the legal owner of my business, once while I was on the line with both Citibank and XXXX, and was told my account would be unlocked on XX/XX/XXXX. I called on XX/XX/XXXX and was told my account was still blocked and that they will retain my money for XXXX to 60 days and then mail a check. I complied with all the requirements they asked for. I do need my money now and can not wait for 60 days. Citibank is illegally keeping my money from me, blocking me out of my online banking and not agreeing to a reversal of the transaction to send money back to XXXX ( originator of the funds ). This is fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80027
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: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: CBNA is still reporting an account that is not familiar to me on my credit reports! I requested they send me a copy of the original contract with my signature, all charges and all monthly statements and they ignored me! I then filed a dispute with XXXX and they waited a couple of days and just said the company said it was correct and did nothing!! That is NOT VERIFYING A DEBT AND IS NOT INVESTIGATING A DEBT TO DETERMINE IF IT BELONGS TO SOMEONE!!! I have had my personal information hacked 10 times since XXXXXXXX and have a RIGHT TO HAVE CORRECT INFORMATION ON MY CREDIT REPORTS AND NOT PAY A BILL THAT IS NOT MINE!!! This account has never been verified as mine!! PLEASE ENFORCE THE LAWS!!! THEY HAVE BROKEN THE FDCPA AND FCRA!!! THE CREDIT REPORTING AGENCIES ARE JUST AS LAWLESS AND ARE GUILTY OF THE SAME AS WELL AS AIDING AND ABETTING THESE BUSINESSES!!! Account name CBNA XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... Recent balance {$1600.00} as of XX/XX/XXXX Status Account charged off. {$1600.00} written off. {$1600.00} past due as of XX/XX/XXXXXXXX Date opened XX/XX/XXXX Details Not mine or No knowledge of account You have previously disputed this item. Pursuant to Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act, we will not process a duplicative dispute. If you have new or different information that is relevant to your dispute, you can upload supporting documents by using the button below. Alternatively, you can add a statement to this item or cancel your request below. You may also wish to contact the data furnisher of this information regarding your dispute. You may also submit supporting documentation for your disputes at experian.com/upload. Cancel dispute Add a statement Upload
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 62801
Submitted Via: Web
Date Sent: 2024-02-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-06
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: On XX/XX/23, Citibank reduced the credit limit on my simplicity credit card from {$10000.00} to {$6600.00}, a reduction of {$3300.00}. This action was to be done immediately and no reason was given. I have had this card for almost 6 years and have never had a late payment. This unexplainable action that this bank has taken will have a serious impact on both my credit score and the financial well being of both me and my family. On XXXX, I called the bank and made a request to their rep. to have them reconsider this action. I received word today that my request was declined. I would like Citibank to reinstate my {$10000.00} credit limit and issue me an apology for this insensitive customer situation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30331
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: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: on XX/XX/2023 i made a reservation through XXXX for my rental car using points and my credit car. at the counter they requested a credit card for incidentals. i gave them my citi card since the car was prepaid. attached the prepaid evidence. now XXXX is charging me again and citi is in favor of them ignoring all the evidence of the prepaid reservation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28078
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: 2024-02-04
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: My husband name : XXXX XXXX My Name : XXXX XXXX Complaints to citiGold/fraud department at Citibank. We have had our citigold account for many years. In XX/XX/year>, someone stole our money about {$15000.00}. We reported it to the fraud department, and called citigold, and went to XXXX different local branches. We spent hours and hours on the phone with different agents from citigold, fraud department etc. After XXXX days of investigation, we received the bank statement stating we owed citigold {$15000.00}. We are promised to be reimbursed yet nothing has been done. It is very easy to identify the fraud on the account in the XX/XX/year>XXXX XXXX statement : Many {$400.00} withdrew XXXX after another. Many {$500.00} withdrew on after another. {$5000.00} XXXX withdrew. {$200.00} withdrew It does not seem Citibank has any intentions to reimburse the stolen money. There are a lot of articles online stated citibank refuses to reimburse clients with stolen money. XXXX article states that Attorney General sues Citibank for the same reason on XX/XX/XXXX, XXXX article is here : https : //ag.ny.govXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX We need your help to get our stolen money back. Please advise.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 334XX
Submitted Via: Web
Date Sent: 2024-02-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-04
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I havent been using my Wayfair credit card for a long time and out of the blue, I was notified that a transaction of XXXX} was made under my account from XXXX XXXX on XX/XX/XXXX. I called Citi, the credit company for Wayfair to reverse the charge as it was fraudulent as I havent used my card for a long time and dont have the physical card with me anymore and the support agent told me that they will reverse the charges. On XX/XX/XXXX, I was charged again by the same vendor XXXX XXXX for the same amount XXXX I also found out that they have charged late fees on the XX/XX/XXXX transaction of {XXXX Turns out, they never reversed it. I called their support and asked them to reverse these charges as these were not made by me and I also asked them to close my account to prevent these from happening again. On XX/XX/XXXX- they charged me for late fees of XXXX plus XXXX minimum charge fee. They never reversed anything in my account when I have repeatedly asked for them to reverse any charges that were made in my account. I asked the support agent to reverse these and I was promised that they will fixed it. The same thing happened in XXXX XXXX- they also charged me XXXX} late fee plus XXXX minimum charge. But didnt found out until XX/XX/XXXX where I was notified through my XXXX account that my Citi Wayfair Credit Card has been flagged delinquent for 90 days and that my credit score has decreased from XXXX to XXXX which has been really frustrating because I have called multiple times, asking them to reverse the charges from my account. I have been communicating to them from the beginning and then they flagged my account as delinquent which made me question their process. Are they not flagging accounts with reported fraudulent transactions in them? It must be straightforward that because I flagged those transactions as fraud then Im not liable for those therefore my account shouldnt be flagged as delinquent. I spoke to an agent around December 20-30, 2023 and she finally reversed fees. The only problem I have now is my credit score. And so I also asked her if she could submit a report to credit bureau stating that what happened to my account stemmed from a fraudulent transaction and that my credit score should not be impacted and it needs to be adjusted back to score XXXX. Around XX/XX/XXXX I received a letter from XXXX stating that my account with Wayfair is accurate and that they are not adjusting back my credit score. This is not fair my part. Wayfair agents have acknowledged that they made an error but their investigation says otherwise and that report information is whats feeding into the credit bureau. I am not sure how are they reporting my case to their investigation team. Are they leaving notes of the issue? I feel like there is a disconnect between the agents and their investigation team. I personally think Citi Wayfair Credit is not taking my case seriously and their investigation team is not looking into my account thoroughly. I reached out to them on XXXX XXXX and their agent have acknowledged my issue and that he submitted a report to fix my credit score but I received a letter from Wayfair saying that based on their investigation my account is accurate and so they are not doing anything to fix my credit score. I am not sure which part of my account that is accurate they are looking into. At this point I am so tired with all these back and forth and want to get ahold of their upper management to fix this. I worked hard all my life and been responsible to my finances. I am on time with my payments. I never had late payments and this incident and experience I had with Citi/Wayfair card has been so frustrating. Its not fair that I am being affected when its their fault of not updating my account on a timely manner as requested. Its so hard to get ahold of someone in Citi Wayfair Credit Card who can expedite the request for me. Their support chat is not working. I had to call multiple times and get passed on to different departments. They have neglected my request to reverse my charges on time. They kept saying that they have reversed it and that I will need to wait on the next cycle to reflect in my statement when in fact the next time I check, they never truly reversed or fixed anything. I am writing this to report them and get help to have this expedited. I dont want this to happen to anyone, I know there people that are working so hard to pay their bills on time. I believe I have the right to dispute any errors on my account and I will advocate for this until its fixed by Citi Wayfair Credit Card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94538
Submitted Via: Web
Date Sent: 2024-02-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-04
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: Recently, Citi bank closed my credit card abruptly and without advantage notify me and I do anything wrong that violate the term of Citi bank. I found out that my credit card account were closed after transaction was declined at store and forfeit all my rewards with amount of XXXX .As Citi visa Costco reward, we can only redeem reward point once a year. I did try to write to Citi card, but in response letter, my earned reward during the year will be forfeit as result of their closing. I do not think these actions is correct ( closing my credit card + forfeit my EARNED reward ). Could you please help or advise me what and / or where I can do or go to get my EARNED reward for redemption. Please help
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95135
Submitted Via: Web
Date Sent: 2024-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-04
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: On XXXX XXXX, 2023, I applied for an American Airlines Advantage credit card on-line through Citibank, XXXXXXXX XXXX XXXXXXXX. While I really didn't need a XXXX charge card, I applied only to protect my frequent flier miles totaling XXXX. XXXX sent me an email on XXXX XXXX, with options to protect my miles from expiring on XXXX XXXX, a credit card being the best alternative. Within minutes of submitting the app, I received a computer generated response of " We're unable to approve your application because we couldn't verify some of the information on your application ''. A like denial letter, dated XXXX, was received by mail on XXXX XXXX. Besides personal information such as d.o.b., the only 2 credit related questions were annual income and rent or mortgage payment which I answered, nothing else. The only way to answer them was to write them at CitibankXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. On the back of the denial letter, I wrote that if there was more required info needed that I missed, their system shouldn't have allowed submission. I requested that they tell me what they were unable to verify - be specific. Further I stated while they may not have violated ECOA, they have an obligation to assist applicants in obtaining credit. On XXXX XXXX, I wrote AA voicing my displeasure after I received another email solicitation from them to apply for a credit card which noted I had XXXX flier miles. To date neither has responded. Since then I have looked closer at the ECOA rules. A couple of violations that stand out are " you're refused for a loan even though you meet all the requirements '' and " Indefinite or vague reasons a re illegal to refuse you credit if you qualify for it ''. Simply put, to refuse ( or grant ) credit based on incomplete information without attempting to obtain it, is a poor way of doing business. I have had perfect credit for over 55 years and have no debt except a small charge card I pay in full each month. My home is paid for and I have considerable assets. After applying I was offered a free identity monitoring service from my bank due to a breach. I learned that my XXXX XXXX XXXX was XXXX after enrollment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53546
Submitted Via: Web
Date Sent: 2024-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A