Date Received: 2023-03-15
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: fraud done on best buy card, denied statement to dispute charges - called many times -
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11741
Submitted Via: Web
Date Sent: 2023-03-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-15
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have made payment on credit card. I have proof of check being reconciled by CitiBank. I have called several times and they are stating payment was not received and the check is not showing on their end. Date reconciled XX/XX/2023 amount of {$970.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77471
Submitted Via: Web
Date Sent: 2023-03-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-15
Issue: Money was not available when promised
Subissue:
Consumer Complaint: Dear Sir/Madam : Re : XXXX deposit with CITIBANK or CITBANK This happened in XXXX before the XXXX financial crisis. I opened a time deposit account with CITIBANK ( not quite sure if it was CITIBANK or CITBANK ) to mature in two years which was in XXXX. Two months before its maturity, I received an email from them saying that the bank is in financial trouble and that they can not return my time deposit money. I was devastated and did not know what to do. The news on TV at the time was all about the collapse of XXXX XXXX and other large banking corporations. All the while I thought my money was safe because I thought FDIC will back them up. Two weeks later, I received a check of {$300.00} from CITIBANK saying that's all they can give me out of my time deposit of {$10000.00}. I tried contacting FDIC, but since this happened over 15 years ago they referred me to reach out to Consumer Financial Protection Bureau. Note : I don't remember the name of the bank whether it was CITIBANK or CITBANK. I do not have the account number. All I can provide to you is my SSN, my full name, my address and email address at that time and my phone number at that time. Sincerely, XXXX XXXX. XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91730
Submitted Via: Web
Date Sent: 2023-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-16
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XX/XX/XXXX, I went to pay my bill. I paid the minimum payment that month of {$240.00}. Previously, I had a card limit of {$13000.00}, my current debt with the card taking about {$9000.00} or so a the time. After I had paid the amount due for the month, I noticed my available credit was only {$240.00}. I dug around and noticed my credit limited was reduced to about {$9300.00}. I immediately called up the card 's customer service line trying to get an explanation. I was told that they had sent a letter in the mail-this was not true. To this day I haven't received any mail regarding this. I was also then told to check my online account as odds are there was a notice there. Surely enough, there was a notice that was hidden indirectly in a cumbersome UI. In the notice, it stated that as of XX/XX/XXXX, Citi opted to reduce my limit for the following reasons : Your payments were low on one or more of your accounts with us. Your credit report shows amount of credit available on accounts is too low. Citing a credit report from XXXX, I was confused. While my finances are going through a bit of a rough spot, my XXXX Score at the time was XXXX. The notice urged me to check with XXXX, who confirmed the following : I've had this card for 22 years with absolutely no late or delinquent payments. There were not major hits to my credit score up until that point. After that, I reached out again to Citi Customer Support to relay this information, and the phone attendant put in a request to reinstate my previous credit line. I followed up with this on XX/XX/XXXX, in which I was told my request was not only denied, but I was also denied from any sort of credit change until XXXX. This decision to suddenly reduce my credit without justifiable cause does far more damage to my credit than whatever Citi thought I was doing. This is how they treat a longtime customer of 22 years with NO late payments, NO delinquent payments. The best part of this is in the notice, Citi offers " advice '' on how to mend credit scores. Here 's one point that stuck out to me : Be sure to pay at least your minimum payment due by the payment due date each billing cycle That's EXACTLY what I've been doing! A fact cited by XXXX, who Citi used as a source. Citi has upped their APR to 22 %, and cut my line for no reason other than thinking that I'll pay more per month. This is EXTORTION. This is a massive betrayal of my trust and causing me financial stress during a period where I am borderline homeless. This company is disgusting.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06776
Submitted Via: Web
Date Sent: 2023-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-16
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Did a deposit XXXX XX/XX/XXXX. at XXXX at ATM Citibank branch in XXXX XXXX XXXX XXXX Florida XXXX Because branch was closed I did the deposit for a total of {$9500.00} USD with this brake down - Deposit of {$7500.00} USD with XXXX bills of {$100.00} USD but the ATM only counted XXXX, when I noticed the mistake I cancel the operation in order to get the bill backs but money was not back. So I decided to continue with the deposit of XXXX bills of {$20.00} USD for a total of {$2000.00} USD this was ok. Also deposit 3 checks that were ok. ( for aprox XXXX USD ) When notice the mistake I waited at the branch to be open, thinking that they will check the ATM and find out that ATM did not count the XXXX bills of {$100.00} USD. but was told that need to report this claim over the phone. I did it sent the information requested ( copy of the deposit, letter with all the story ) I have received 2 letters from bank telling me that " can not verify deposit '' and need to send information again. So after 15 days, 3 letters to Citibank to different cities ( do not understand why different places ) with all information requested, 6 calls nobody can answer me. Citibank for SURE can verify that money should have been inside the ATM at the time of making the cut at night or next days. IF they audit this specific ATM ( they have the ATM # ) will find the discrepancy in the ATM. Please to the people that would like to make a deposit thru an ATM try not to do it with a big amount, because bank just " wash their hands ''
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33141
Submitted Via: Web
Date Sent: 2023-03-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-14
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: MY NAME IS XXXX XXXX XXXX XXXX MY ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MY CELL PHONE IS XXXX MY EMAIL IS XXXX ON XXXX XXXX XXXX I WENT TO THE XXXX XXXX BUSINESS TO BUY A BED MATTRESS, THEY INVITED ME TO APPLY FOR THE STORE CREDIT CARD AND I AGREED TO FILL OUT THE APPLICATION. THEY TOLD ME THAT I WAS APPROVED AND THAT I WOULD GET MY PRODUCT IN TWO WEEKS. DAYS PASSED BY AND I RECEIVED A LETTER FROM THE BANK SAYING THAT THE CREDIT CARD HAD NOT BEEN APPROVED AT THAT MOMENT AND FROM THE XXXX XXXX BUSINESS. THEY NEVER CALLED ME TO PICK UP THE PRODUCT, FROM WHICH I DEDUCTED THAT THE CARD HAD NOT BEEN APPROVED OR THE PURCHASE HAD BEEN MADE. SOME MONTHS PASSED BY AND IN THE MONTH OF XXXX THE FURNITURE STORE CALLED ME TO PICK UP THE MATTRESS, TO WHICH I RAISED THE REPORT THAT IT HAD NOT BEEN APPROVED ACCORDING TO THE CARD, AND SINCE THEY NEVER CALLED ME AFTER 2 WEEKS THAT THEY REMAINED. BECAUSE I HAD GONE TO BUY THE PRODUCT IN ANOTHER PLACE AND I NO LONGER NEEDED IT TO BE CANCELED. THEY NEVER DID ANYTHING, THEY DID NOT WANT TO PROCEED TO FIX THE SITUATION AND THEY CHARGED THE PURCHASE TO THE CARD THAT HAD NOT BEEN APPROVED BEFORE. NOW I HAVE A REPORT ON MY CREDIT FOR LACK OF PAYMENT AND ON SEVERAL OCCASIONS I HAVE TALKED TO THE FURNITURE STORE AND THEY HAVE NEVER WANTED TO FIX ANYTHING AND THE BANK HAS RUINED MY CREDIT. THE NAME OF THE BUSSINESS IS: XXXX XXXX ADRRESS: XXXX XXXX XXXX XXXX XXXX XXXX CA. XXXX PH: XXXX XXXX THE CREDIT CARD IS: BRAND SOURCE FROM CITI BANK, N.A. I DON'T KNOW WHAT TO DO. IF YOU COULD HELP ME I WOULD GREATLY APPRECIATE IT.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92706
Submitted Via: Web
Date Sent: 2023-04-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-14
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: After filing a complaint on my XXXX XXXX account CitiBank card XXXX they closed my Citi XXXX credit card as a retaliation when if filed the complaint stated inactive use card number XXXX.why now. This is unfair and discriminatory in an email not allowing me to use the card to prevent closure due to inactivity which I had this card for over 5 years. Please investigate this discriminatory practice I believe the leadership team who I worked for before knows I am a XXXX person and they closed this account because I did not list this account in my initial complaint. I feel discriminated for being a formal XXXX employee.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94112
Submitted Via: Web
Date Sent: 2023-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-14
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: I have talked to several agents from online to on the phone-totaling 8 people. I called in about my maurity date orginally in XXXX of XXXX. The agent let me know it was XX/XX/XXXX. A day or two after my maurity date I called in to see if I was going to be updated or not. The agent had no clue and said a letter would be sent out. It didnt sit right with me so I talked to someone on the chat and I called a different agent on the phone. Both agents gave me completely different answers. One said that I would receive a letter 30 days after my maturity date and the other said she could not do anything for me because the letter was sent out. I walked through the process on finding it online with each of the 8 agents and the letter was not there. I confirmed my address with each agent over and over-still no letter. So I reached out on XX/XX/XXXX XXXX spoke with XXXX and then the manager XXXX. XXXX did not care. He told me he resent the letter and I need to wait unitl XXXX for the next review. I too am a customer representative and I know it is my responsibility to give our clients correct information at all times. When I do not know the answer I must find or ask for assistance. Our calls are 100 % recorded and I know my manager at anytime call pull my calls. I was given the wrong information over and over again. NO ONE seem to care about the contract that I signed or give me the proper information not even the leadership of the company. Something should be done about this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 303XX
Submitted Via: Web
Date Sent: 2023-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-14
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: On XXXX submitted for my 2023 Costco Cash Rewards to be redeemed via the offered electronic transfer option to my bank account. The transfer of {$300.00} was to take place within 3-5 business days but as of today, XXXX, has not transpired. Multiple phone calls and conversations with Customer Service Reps and Supervisors have ended with no resolution. In one conversation on XXXX there was to be an inquiry/investigation with a phone call within 7-10 business days which also did not occur. My last conversation with a Customer Service Supervisor basically ended with him saying he has no information or updates.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34275
Submitted Via: Web
Date Sent: 2023-03-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-14
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Bank has closed my account 4 months ago, yet I haven't received my check for {$10000.00}. They shipped out the check, however it was lost and I never got it. I called for 2 months every 3 days and they kept saying they will issue out a new check yet they haven't. Every time I call it's the same story, we sent a notice to the back department. I'm sick of it and will be filing a lawsuit if it's not given to me by XX/XX/23. Bank withheld funds past 120 days! UPDATE : I've called for the XXXX time and they say that someone has cashed in the check that sent me, although for the past 3 months I've been informing them to cancel the lost check and reissue another. I have NEVER received my money from this HORRIBLE BANK and they are RESPONBILE for losing my check, not canceling and reissuing when I told the XXXX times. They are liable for the money they OWE me!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 113XX
Submitted Via: Web
Date Sent: 2023-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A