Date Received: 2023-03-09
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In XX/XX/XXXX a fraud charge by a XXXX XXXX in the amount of {$49.00} was charged to my Citicard ending in XXXX which has a XXXX balance. I was not aware of this charge until XX/XX/XXXX when Citicard called me advised me that my account is more than 60 days late. I then began a fraud dispute case ID-D-XXXX. I called Citicard in XX/XX/XXXX to find out the status of this dispute and they said that the matter has been resolved and the account balance is now XXXX. They however said that a letter confirming this will be sent out which I never received. I then looked at my XXXX report in XXXX of XXXX and was surprised to see that they had reported the account 30 days late in XXXX but OK in XXXX. I called them and was on the phone with 6 different departments and the matter still remains unresolved. I told them since this was a fraud, it should not be reported as late. When I spoke to XXXX they said that Citicard has to remove this from their billing record for it to not show up on my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33029
Submitted Via: Web
Date Sent: 2023-03-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-09
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: While on vacation a fraudulent charge was made on my account. A restaurant had taken my card to settle the bill and it charged the correct amount which I agreed to. While they had my card they must have swiped it again for a fraudulent amount which I did not realize until I got home. I instantly locked my card and disputed the charge. I have tried calling Citi Bank many times and I keep getting transferred to different departments or lied to. One time calling the person I was on the phone with had told me that he had credited my account for the fraudulent charge and that I should see it in a few business days.He must have lied to me just to get me off the phone with him. After a few weeks I called back and they let me know that was not true and the claim was denied and closed. I have tried many different ways to contact Citi bank but they have made it very complicated to get a hold of someone who can actually help. The date was XX/XX/XXXX and the amount was XXXX. Here are the details of the charge on my statement without including any PII. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85018
Submitted Via: Web
Date Sent: 2023-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-08
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, HAS VIOLATED MY RIGHTS. 15 U.S.C. 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C. 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 15 U.S.C. 1681C. ( A ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION, OTHER THEN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THEN SEVEN YEARS. 15 U.S.C. 1681S-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75224
Submitted Via: Web
Date Sent: 2023-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-08
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 hired a moving company to perform our move from XXXX, XXXX to XXXX, XXXX. The total amount of the dispute was {$18000.00} as the delivery company didn't deliver the items on the contractual date ( not even close ) also, when they did delivery it they only delivered 40 %, when the contract stated it would be all delivered on same date. The rest of our move took weeks and they breached agreement by putting our items in storage and damaging a lot of our items, which surpassed {$18000.00}. Citi didn't even investigate or discuss with merchant. They said over the phone that they would be reaching out to merchant and getting their side of the story ( which was false, as they stated after they never moved forward ) and never provided a reason. During this 1 month process, not a single email or phone call, and simply declined to investigate. I escalated to the executive team and they said I would have to deal with merchant - but hold on, what's the purpose of the credit card dispute process if the merchant doesn't honor their products and services.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94506
Submitted Via: Web
Date Sent: 2023-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-08
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: This is with Citi Accelerate High-Yield Savings Leveled Bonus Offer ( https : //banking.citi.com/cbol/22/Q3_2/r2c/HYSA/default.htm ) When opening this Citi account in XX/XX/XXXX, it was advised that there will be a {$450.00} Cash bonus credit to the account if we put $ XXXX deposit within 20 days after opening and then keep that balance for 60 days. Received email confirmation from Citi about the term and eligibility. I've followed the steps but no credit showed up after waiting for 90 days specified in the term so called Citi support, was told that I should just wait for the credit as it takes time to show up. XXXX of the customer support checked my account and confirmed that I did all my part and should be receiving this cash bonus. An inquiry was logged on XX/XX/XXXX and I was promised to hear back from Citi. Cti customer support issued a XXXX time credit of {$150.00} ( not {$450.00} ) on XX/XX/XXXX but on XX/XX/XXXX this credit was taken back while I still haven not got any update on the inquiry. It has been more than a month of wait since the inquiry was created. On the call I was promised to hear back from Citi within 7 days since XXXX. Overall I have called at 8+ times on this issue and had to go through long wait on the line but there was no progress. Now I've lost my confidence with Citi and will be closing this saving account after I finish transferring the fund to my other bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 787XX
Submitted Via: Web
Date Sent: 2023-03-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-08
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: To whom it may concern, I am filing this complaint in reference to unauthorized withdrawals from my checking account. On XXXX XXXX I was charged by XXXX for three separate amounts.The first charged was at XXXX XXXX for the amount of {$44.00}, the second charge was at XXXX XXXX for {$100.00} and the third was at XXXX XXXX for {$74.00}. All of these charges are made in the state of California. I live in New York and can provide additional proof that I was not in California. The total amount of unauthorized withdrawals is {$210.00}. I immediately contacted my bank and canceled my debit card that was used for these transactions. I spoke to a representative and he was of no help. He said that they had to " investigate '' and will get back to me. A few days later the bank did reimburse me for the total amount. However, just this week they took the money back. I did contact XXXX to also dispute the charges. Unfortunately, this is not the first time there has been an issue with my bank, My husband and I are in the process of switching over to another bank. Our account has now been overdrawn. It is completely unacceptable and unfair. I can provide additional information if needed. Thank you!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2023-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-08
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX, I noticed my debit card being declined despite having funds in my account. I called Citi and was told there was possible fraud on my checking acct, but they would not provide any information or explanation. I reviewed my acct and saw no suspicious activity. They stated they couldnt verify my phone # ( which Ive had for 20+ years ), despite them sending my confirmation codes via text and me providing it to them to verify and answering all other verification questions ( SSN, acct #, opening date, address, card #, etc ). Other reps told me that I need to visit a Citi branch to resolve, I relayed this is not possible as Citi does not have any physical locations in my state and was then hung up on. Several representatives hung up on me on different calls between XX/XX/XXXX and XXXX as I asked for further info into my account freeze. I was calling Citi several times daily to get this fixed and they were simply refusing to help me with anything, no matter how much I provide verification about myself. Citi bank claimed to protect their customers and they did completely the opposite. My account was frozen, my debit card was locked, but Citi was still allowing my employer direct deposit paycheck to be deposited ( but unable to use these funds ). Citi bank completely shut off access to my only money and cause me huge financial losses and damage. Finally spoke to a supervisor XXXX, who said someone from the fraud dept would reach out within 48hrs to explain and resolve this issue for me. I received NO calls from citi fraud department within that time frame. After several more calls and being hung up on by every representative, I was told I would have to wait for a physical letter to be received in the mail with a reference # and to call with this # to verify and lift the account freeze. On XX/XX/XXXX I received the letter in the mail asking that I contact Citi and provide the reference number on the letter to lift the freeze on my account. I contacted Citi, provided all information asked of me ( letter reference #, verify acct opening date, SSN, phone #, verify address ) - all of which was correct. They then stated they could not provide any information as to why my acct was frozen by the fraud department. I verified all transactions on acct were valid and that I saw no fraudulent charges or activity on acct. Placed on hold several times before the representative came back and said thank you for your call and for providing this information to Citi bank, have a great day and they hung up on me. On XXXX I received an email that my account will be closed within 60 days and they will send any funds belonging to me to my address on file ( which is correct ) once the account is closed. Also, Citi offered in the email to request my funds to be delivered to me sooner If I choose to. I did request my money to be mailed to me sooner, and Citi again failed to comply with their policy and my acct remains frozen along with my funds. I no longer want to be a Citi bank customer and want all my available account funds to be mailed to the address on file ASAP. Citi violated all my rights and is causing continued financial loss for my family by holding my funds without cause or explanation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85379
Submitted Via: Web
Date Sent: 2023-03-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-08
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: On XX/XX/22, I went to a gas station in XXXX, XXXX, XXXX called XXXX XXXX XXXX. They wouldnt take my credit card at the pump, so I had to go into the store to pre-authorized XXXX XXXX for gas. I filled up XXXX dollars worth ( I do not remember the exact amount, but I was only topping off a small tank [ XXXX XXXX ] ). I shouldn't have been charged the full amount and I didn't know this until I saw my billing statement showing I was charged the full XXXX. There is no way that my car would even take that much worth of gas if it was totally empty, so its totally impossible that this could even have been a valid charge. If the merchant wants to go back and check their records on the date of the transaction, they can look up and see my car on their video cameras and see how much gas I used. I have never disputed a transaction like this as it has never happened to me before. As far as I can tell this is total fraud on the merchant 's part and I should be contacting the police. All I am asking is to get my money back. I disputed this charge with Citi. They said they asked the merchant to accept my dispute, but that the merchant wouldnt accept it, so Citi declined my dispute. I appealed, went through more explanation ( sharing the above statements with them ), and the same thing happened the merchant declined the appeal, so Citi has re-issued the charge on my credit card. I DID NOT RECEIVE the merchandise paid for, only partial merchandise ( gas ). Thus my request is justifiable and I ask for the help of CFPB to force Citi to take the correct action here. After all, its client XXXXXXXX XXXX XXXXXXXX has committed a fraudulent transaction and I shouldnt be on the hook for this. MORE than happy to provide any additional information you may need.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 198XX
Submitted Via: Web
Date Sent: 2023-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-08
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 went to The XXXX XXXX of Nevada for a sleep study. There was an agreement for me to pay six ( 6 ) equal payments on the XXXX of every month for {$89.00}. For two consecutive months they billed me twice on or about the same day. When I noticed it, I disputed the second charge. The credit card stated they sent me a notice saying that the merchant responded and they required additional documentation. Even in my online account, it says two notices but there is only one. The second notice, I did receive and responded providing the contract of the payment arrangement. I am still waiting for a result by XXXX of XXXX My issue is the first one, I never received notification because I would have provided the same document.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89130
Submitted Via: Web
Date Sent: 2023-03-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-08
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On XXXX I accidently changed {$12.00} to CITI bank Best Buy credit card that I forgot I had. They did not send me a bill. They said I was paperless. This gets past me for XXXX months before I get a call from best buy. By then XXXX {$40.00} late fees have been charge to my account. I told them to cancel my card and I started paying {$10.00} a week towards the card. I asked them to start sending me a paper bill in the mail. I get the Bill XXXX XXXX XXXX and it is for {$180.00}. I called XXXX to complain and I automatically get sent to the closed card helpdesk in XXXX. After several call I was asked to give personal information, I was not comfortable giving. They refuse to help me despite have the full account number my name and the last XXXX digits of my SS # Trans Date Description Reference # Amount XX/XX/XXXX XXXX XXXX XXXX {$12.00} Payment Information Previous Balance {$89.00} New Balance {$130.00} Payments - {$0.00} Minimum Payment Due {$85.00} Other Credits - {$0.00} Payment Due Date XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 402XX
Submitted Via: Web
Date Sent: 2023-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A