Date Received: 2023-03-11
Issue: False statements or representation
Subissue: Told you not to respond to a lawsuit they filed against you
Consumer Complaint: I've attempted to negotiate and settle the debt twice using a law firm that fail to follow up in an adequate time frame. The first occasion the law firm failed to relay a counter offer from me to the creditor. The second occasion the law firm, had me to agree to unfavorable terms and then failed to contact me back about next steps and finally provided me the information 3 days before the date which did not allow me time to agree to the terms because my funds were in an out of state bank. I attempted to contact the creditors law firm on Friday, XX/XX/XXXX to ask for an extension and the lady that answered the phone refused to work with me even after I offered to provide her their file no, she attempted to pressure me into providing my social security number which I refused then she ultimately refused to work with me even though I let her know that I had just been provided the information about the settlement. I would like a fair settle offer that is consistent with what has been in the past. I'm also concerned that I might have been researched and targeted with a lawsuit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28079
Submitted Via: Web
Date Sent: 2023-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-11
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This is a debt now turned over to collection which the credit card company has written off - this is not my debt. My brother who was living with me at the time up to his death unknown to me, opened up and used credit cards with my social security information and address and other information. I did not learn of all this debt until his death in XXXX. I am XXXX years old and trusted that my brother was helping me with monthly bills and payments, not knowing he was using my credit information to obtain numerous credit cards and making charges. I have reported this as fraud and advised these charges are not mine.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 166XX
Submitted Via: Web
Date Sent: 2023-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-11
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: CitiBank _ Best Buy Charged card. Called my ex husband telling him about my miss payment regarding my account which my ex husband is not a joint account holder. My ex husband repeatedly ask them not to call him anymore and that went on deaf ears.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 110XX
Submitted Via: Web
Date Sent: 2023-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-11
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: Completed a balance transfer and have been making payments well above the minimum due and was told when I called that the 0 % balance would be paid on first after the minimum monthly payment due. I have to pay it off within 15 months. Reviewed the statement and see the amount only went down a few dollars instead of what Id been thinking should be almost all paid off. I contacted the credit card company, Citibank and they said thats not the way it works, that the highest interests rate gets paid first and you have to pay it off entirely before they apply anything to the 0 % interests. To me, that is a never ending battle, predatory to some extent and they should clearly explain that when you review the terms. This was my second attempt to resolve and they should have clearly stated that when I called in six months ago. It would have changed my use of the card ( which, I rely on to pay my bills and make purchases on throughput the month ). Had that been explained- I would not be using the card until all bills were completed and the balance transfer could have been paid completely. Now I feel like the extra has been for nothing and Im back to square one, which, is harmful for the general consumer and perpetuates credit card debt because it appears to be a way to help avoid interests, but instead, is a gimmick.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-11
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I used the Special Financing Offer mailed to me. My minimum payment was {$29.00} and knowing I had to pay off the promotional balance by XX/XX/XXXX I paid an extra {$100.00} per month to be used for the promotional payment. This extra {$100.00} per month was not applied to the promotional balance. Unfortunately, I do not look at my monthly statements and only now did I look to make sure the balance would be paid in full and found it was not applied and now I will owe close to {$600.00} in interest charges. I called the company on XX/XX/XXXX and was told I was suppose to call and request the extra XXXX XXXX monthly payment to be allocated to the balance due. I have re-read the promotional material mailed to me and no where in the description does it say this was required. They said they can only go back 60 days so they offered to apply my extra {$100.00} payment to my XXXX, XXXX, balance. In researching this I found that " the credit card company is required to apply the two payments before the delayed interest period ends to the delayed interest balance, in their entirety. '' Even if nothing can be done in my situation the entire payment was not applied to the " two payments before the delayed interest period ends '' - only {$100.00} was applied only because I called to complain. How many other thousands of consumers has this happened to?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 531XX
Submitted Via: Web
Date Sent: 2023-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-11
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: We have a Citi Costco Anywhere Visa card which provides cashback at various levels for different spending categories. While it's often easy to understand how each transaction falls into a reward category, it isn't always clear. Citi does provide details regarding each transaction 's spending category, which should correlate with the applicable reward category, but they don't make this explicitly clear. Whenever we have a question about how a specific transaction is categorized for reward purposes, we find that information is not available. Upon seeking assistance from Citi, via both chat and phone, support agents were unable to provide transaction category details. One agent commented that they could only provide the information to the primary cardholder ( I'm the additional cardholder ). Although unconfirmed, I'll accept this interpretation for the moment, so I asked for a copy of the account terms and conditions ( T & Cs ). I asked if the information was available on the website or if it could be sent to us. After spending over 30 minutes on the phone with Citi customer support ( and getting transferred a couple of times ), I had to give up. Citi was unable to provide a current copy of account T & Cs, either online or via regular mail. That seems wrong and a financial services company should be able to provide the terms upon request.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43054
Submitted Via: Web
Date Sent: 2023-03-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-11
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Need to reach Citibank to ask for settlement. Always long wait times and not able to reach anyone
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20003
Submitted Via: Web
Date Sent: 2023-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-11
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: CITIBANK executive staff member, " XXXX '' told me on a XX/XX/XXXX phone conversation that she was going to next day air my funds from a closed account, including interest. She specifically told that only " because of the weekend, '' that it could be Monday, rather than Saturday XXXX XXXX XXXX XXXX XXXX She told me that the CALL WAS BEING RECORDED, and yet, she never told me, ever, despite very diligent and clear conversations we had ( all of which will be evident on the audio recording ) what she wrote in the letter on my previous complaint, " we submitted your account closure request and were advised that it is currently taking 10-15 business days to complete the closure and receive the check by mail. Unfortunately, expedited requests are not being accepted at this time. '' She lied to me, and never followed up with a phone call, E-mail, or other notification noting this apparent change. I have filed a second police report, and have contacted my local media outlet for advocacy. I was promised my funds from the closed account on the latest, Monday, XX/XX/XXXX, and was lied to. Again, the funds are not in my possession and I consider them missing or stolen by CITIBANK. This has been the case for weeks now and I am asking for the CFPB 's critical and urgent assistance with my theft
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 47408
Submitted Via: Web
Date Sent: 2023-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-11
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX//23 I provided Citi with a XXXX payment to close out the existing balance on my card. The payment was provided by XXXX XXXX and received by Citi but balance was not adjusted and payment not recognized by Citi for over two and a half weeks following payment. I called multiple times and was told by customer service a variety of reasons why the account was not reconciled. Citi attempted a third party three way call with someone they claimed was a XXXX XXXX rep at which time personal fiscal information was requested. I terminated the call and contacted XXXX XXXX who advised pulling back my payment. This was done. I called Citi and attempted to work with a customer service agent to ascertain what amount of payment would not initiate the same behavior on their part. I was advised to make XXXX payment which would clear my account immediately. I did so on XX/XX/XXXX and now have been told that the payment would not clear and I would need to wait indefinitely for Citi to recognize. This violates the T & C of the card for timely recognition of payment and account balance adjustment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-10
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: I have been making phone calls to City Bank and for some reasons these calls are dropping off without notice in the middle of waiting for the costumer representative to come back to me with a response. There are two charges on the same amounts of {$240.00} on XX/XX/2022 on my credit card statement. I have contacted Home Depot and they showed me that this receipt appears only once on their system. They suggested me that, it is probably on City Bank account double entered.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 075XX
Submitted Via: Web
Date Sent: 2023-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A