Date Received: 2023-03-17
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I completed my purchase for XXXX XXXX XXXX XXXX XXXX for my son on XX/XX/XXXX for {$100.00} on the vendor XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My order was dispatched with usps with an estimated delivery date of XX/XX/XXXX. Upon tracking my order, there was a complete hault of movement with " Awaiting scan '' being the current status. Order number XXXX usps tracking XXXX. I contacted usps to let them know on XX/XX/XXXX and XX/XX/XXXX. Usps assured me that a case would be opened for this lost parcel. I advised I want a refund to repurchase items as these were time sensitive medications. Usps advised that management would reach out to me but they never did. Usps closed the investigation on XX/XX/XXXX for no reason. I contacted the vendor by email and by chat on their site. The vendor never responded via email, only live chat. I will include proof of XXXX XXXX advising me to contact usps again as they shouldn't of closed the investigation without delivery. I advised this is not my fault as I paid for insured postage. The item never left usps. Live chat agent from XXXX XXXX advised that if I opened a dispute with my bank that they will decline by saying they are helping. The vendor is not assisting as I have been the one reaching out to usps with no help or refund. I have already reordered these items as they are very important for health reasons. I just want a full refund for an item still in usps possession. I contacted my bank to dispute the charges and my bank states I would have to wait 30 days for a refund. Dispute number from citibank : XXXX Included will be photos of the purchase, tracking, my outreach to the vendor, as well as the information from the live chat agent. Today XX/XX/XXXX the order is still awaiting scan according to usps tracking. Customers should not be liable for lost or stolen packages when the postage was insured. I never received my goods or services. Obtaining medication should not be this hard. This is a XXXX that affects mostly XXXX Americans yet there is no awareness and priority. I told usps and the vendor that I will be reporting this issue and they said " that's fine ma'am ''.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11203
Submitted Via: Web
Date Sent: 2023-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-17
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Under 15 US Code 1681e ( b ) and 15 US Code 1681i ( 5 ) this account listed below is in violation not reporting 100 % accurate it lists. I have not given written permission for this debt to be shared with any other 3rd party. Account Name : Macys/Citibank Account XXXX : XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20852
Submitted Via: Web
Date Sent: 2023-03-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-17
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Enticed by their XXXXXXXX Tiered Bonus offer I opened a checking account with Citibank on XX/XX/XXXX within the bonus offer window of XX/XX/XXXX through XX/XX/XXXX. ( While I once believed I qualified for a {$700.00} bonus, after reviewing the dates and the fine print parameters of the offer, I concede I only qualify for the {$400.00} bonus. These dates and documents confirm that. ) To qualify for the {$400.00} bonus, I deposited an amount that exceeded the required {$15000.00} by the XXXX day of the account being opened, XX/XX/XXXX. The account balance exceeded the maintenance requirements ; balance did not fall below {$15000.00} for the minimum XXXX calendar days. The required maintenance period ended on XX/XX/XXXX. In XXXX I called Citibank on to verify that I was on scheduled and qualified to recieve the bonus ( I don't recall if it was confirmed to be a {$700.00} or {$400.00} bonus. ) I was told I would qualify if the balance remained through XX/XX/XXXX. According to the agreed terms and conditions I should have received my {$400.00} bonus by XX/XX/XXXX. I contacted Citibank multiple times after XX/XX/XXXX when I realized I had not recieved the promised bonus. Although not my first attempt, I have recorded that I contacted Citibank on XX/XX/XXXX. I was told I would receive a response within 3-5 business days, case # XXXX. I reached out again after the 5 business days and was told again that I would receive a response within 3-5 business days. Another attempt after another 5 business days I was told that I would have a response in 15 business days from my initial complaint. On XX/XX/XXXX, I received a document from Citibank denying my claim to the bonus and they requested I provide documentation by fax to prove that I am owed the bonus. Since they already have all the documentation in their own system I decided to file this complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46168
Submitted Via: Web
Date Sent: 2023-03-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-17
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Hello, Citibank closed my checking account ( and that of my wife ) back in XXXX and we were told that they would send us a check for the account balance. Finally after almost 3 months, we received a check for each account but in total there was almost {$7000.00} missing from the payment. ( closing balance was {$25000.00} - amount received from the bank {$21000.00} ) My account was short by over {$4000.00} and my wife 's was short by about {$2500.00}. I immediately went to the branch to inform them of the shortage and they confirmed that the closing balance was in fact more than what was returned by Citibank. XXXX ( customer support manager ) asked for a few days to contact the bank 's internal team and that she would get back but despite a half-dozen visits and phone calls, they still have no information. I again visited the branch today and again they told me that they don't know why the discrepancy and that I should give them another couple of months! This is NOT a small amount of money to me and my family and now as a result of being without my money, I am late on almost all of my payments and have to pay interest on over $ XXXX in credit cards with a 29.9 % interest rate! PLEASE help me get to the bottom og this because i am not flirting with bankruptcy and can no longer afford my rent or kids ' school. I am in shock that a bank can be so callous as to what this is doing to my family and I simply do not have the resources to hire an attorney over something like this. I am BEGGING you to help me out because by life is slowly coming apart because of my financial situation. I recently also lost my job and this situation is ruining my family and our future. The citibank case number is : XXXX XXXX I have no idea where to turn but am praying that someone can help me fix this and begging the bank to do the right thing. You may contact me anytime at XXXX for additional information on this situation. Thanks in advance, XXXX XXXX XXXX XXXX Attached please find a copy of the check that was sent to me and the final statement showing a different amount than the check XXXX XXXX XXXX XXXX I am also including a photo of the check they sent to my wife which is also short as her balance was about {$6000.00}. Thank you so much for your help here because I am really in bad shape and the interest alone on my accounts is killing me!
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: 2023-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-17
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Under 15 US Code 1681e ( b ) and 15 US Code 1681i ( 5 ) this account listed below is in violation not reporting 100 % accurate it lists. I have not given written permission for this debt to be shared with any other 3rd party. Account Name : Macys/Citibank Account XXXX : XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20852
Submitted Via: Web
Date Sent: 2023-03-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-17
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Under 15 US Code 1681e ( b ) and 15 US Code 1681i ( 5 ) this account listed below is in violation not reporting 100 % accurate it lists. I have not given written permission for this debt to be shared with any other 3rd party. Account Name : Macys/Citibank Account XXXX : XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20852
Submitted Via: Web
Date Sent: 2023-03-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-17
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have a XXXX APR balance transfer on my citi custom cash card ending in XXXX. I make enough payments to cover the minimum plus the purchases accrued over the month, I wait for the payments to settle before paying the card. My initial balance transfer was {$6600.00} on XX/XX/XXXX, it has been reduced to {$4900.00} as of XX/XX/14, while my purchase APR has gone from {$0.00} to {$760.00}. I make more payments that purchases each month, yet that amount has continued to creep up. You can see the discrepancy begins in XXXX. I am intentionally trying to not pay down the XXXX APR balance and only just cover the purchases subject to the higher interest rate. According to how I paid it down, I understood that I should have about {$6300.00} still at XXXX APR. I have been hung up on multiple times when speaking to customer service regarding the issue. I'm told they will check with their coworkers, as there appears to be an issue, then I am left on hold and they hang up eventually I believe Citi is prioritizing paying down the balance transfer instead of purchases, and then charging me the high interest rate on purchases.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98107
Submitted Via: Web
Date Sent: 2023-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-17
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: In XXXX of XXXX, my dad filled out a scam email that appeared to be from Citibank. He provided account information that was used by the scammer to initiate 4 unauthorized wire transfers ( of {$79000.00} each ) totaling to {$310000.00} out of his account. We were made aware XX/XX/XXXX that this happened and told the bank immediately that it was fraud. We did not receive a decision from Citibank until 7 months later, telling us that they can not give us the money back. They failed to inform us in a timely manner and when my dad went to the bank to try to report it, an employee thought the email was real and told him not to. We have tried appealing this over and over with no luck.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95148
Submitted Via: Web
Date Sent: 2023-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-17
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent the letters to XXXX and XXXX credit bureaus the date of the last letter was on XX/XX/XXXX. And now we are in the month of XXXX, XXXX and still nothing from them, that means the 3 credit bureaus has NOT complied with the Fair Credit Reporting Act Law. REMOVE OR BLOCK THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : MACYS/XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4400.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89015
Submitted Via: Web
Date Sent: 2023-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-17
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/22 I received a text that there was suspected fraud on my citi bank card. Someone had made a purchase at Best Buy for {$1600.00}. Because I was not the purchaser, they began an investigation that resulted in them informing me that I must have made the purchase because my card was used. Up until that time I had always paid my account in full each month. I asked them to re-investigate, but apparently they have not. I am not sure how to prove that his charge is not mine.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 191XX
Submitted Via: Web
Date Sent: 2023-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A