Date Received: 2024-02-03
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: On XX/XX/XXXX, I had a balance of {$3600.00} and the payment was due on XX/XX/XXXX. On XX/XX/XXXX, I paid {$3500.00}. which left a balance of {$120.00}. My XX/XX/XXXX, statement shows a balance of {$200.00} which includes a balance of {$120.00} and an interest charge of {$75.00} for carrying a balance of {$3300.00} on XX/XX/XXXX. I asked why I was carrying a balance of {$3300.00} on XX/XX/XXXX when I paid {$3500.00} on XX/XX/XXXX. They answered that they charged interest on the whole balance ( {$3600.00} ) which still does not explain why they are charging interest on {$3300.00}. I was expecting they would charge interest on the remaining balance ( {$120.00} ). I think there is an irregularity in the way they calculate the interest. I would like to have a better understanding of how they charged interest.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22193
Submitted Via: Web
Date Sent: 2024-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-03
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: We have been loyal Citibank XXXX XXXX XXXX cardholders for more than 10 years. My wife and I use the card almost daily, charge between {$1500.00} to more than {$5000.00} monthly and pay the entire balance off each month before it comes due. I called their alleged customer service department regarding fraudulent charges I identified, which were presumably reversed, I havent seen a new statement yet. When I asked to have the new credit card overnighted to me, I was told I didnt qualify and that I could expect it with XXXX to XXXX days. To make a long story as short as possible, I spent more than XXXX hours on the phone with multiple agents within and outside the U.S. I was never able to convince an agent my business was worth an overnight XXXX delivery charge. I intend to cancel my card as soon as I use the mileage points I have accumulated with XXXX XXXX. I will promptly apply for an XXXX XXXX card to supplement our spending. I most assuredly do NOT recommend doing business with Citibank ( Citigroup , Inc. ) unless it is to purchase their stock which currently pays a conservative 3.78 % annual dividend.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32224
Submitted Via: Web
Date Sent: 2024-02-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-03
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 am appointed by Probate Court as administrator for the estate of my brother who died on XXXX XXXX XXXX XXXX He had been XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and we are now aware that fraudulent activity repeatedly occurred in his financial matters in the years leading up to his death with known multiple credit cards used improperly and subsequently closed. He was unable to monitor or protect his information from XXXX XXXX XXXX and an acquaintance in his home who obtained access to his accounts. After I was made administrator of his estate, I obtained access to records in his home and found evidence of fraudulent activity in various financial accounts. I later received letters from a debt collector for a Citi Simplicity card which they said belonged to my brother with a balance of {$4800.00}. There is no record of this credit card in my brother 's records. I have asked Citi and XXXX XXXX XXXX XXXX XXXX ( the debt collector ) for descriptions of the alleged transaction charges on this account to try and verify whether these charges would be consistent with purchases my brother would have made. The only " evidence '' provided are credit card statements which they say were sent to his address with the earliest said to be for the billing period of XX/XX/XXXX onwards ( after his death ). These statements show a prior balance for purchases made but no transaction history or description of what was bought. None of them show any charges I can evaluate, just a prior hefty balance with no way to assess when these were made, what was allegedly purchased ( since apparently all the charges occurred prior to the statements that have been made available for me to review and after his death ), or any other means to assess whether fraud occurred ( statements sent to alternate address, paperless statements, or other means to minimize chance for detection by my brother since there were no evidence of this card in any records ). XXXX. My brother died from 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This card was reported to have been opened in XXXX of XXXX. My brother was largely at the mercy of his XXXX XXXX XXXX during this time period especially in terms of his finances, and fraudulent activity occurred on multiple accounts. 2. From XXXX through his death, several other credit card accounts had to be closed or re-issued due to fraudulent charges on other credit cards that we know of. 3. I have looked through his paper records in depth. He had several credit cards which he usually paid off or kept the balance very low. There are no paper records of this credit card account in his files, and no paper statements of this credit card account in his files. 4. I have so far not found any payments for this credit card account issued from his checking or savings accounts. However, the last payment on the account was reported to be on XX/XX/XXXX ( after my brother 's death ) and we have no record of where this payment was made from ( apparently not from his checking or savings accounts ). I have asked Citi Simplicity to provide all of the records regarding this credit card account, so that I can see what purchases were made and whether they appear to be fraudulent based on the nature of the purchases ( since my brother needed/ purchased largely basic items pertinent to his needs ). Citi has not provided this information and all I have to assess are the credit card statements from billing period of XX/XX/XXXX onwards ( which I have referenced as insufficient above since I can't assess anything about the supposed purchases or billing details ) and these covered a period of time after his death. All the information I have so far is concerning to be due to fraudulent charges, which I have communicated to Citi and XXXX XXXX XXXX but they have not provided the requested information ( although they have said they will provide but always give me the same few statements without needed details ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 456XX
Submitted Via: Web
Date Sent: 2024-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-03
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: I had an unsecured credit card debt with Citibank more than 20 years ago. I asked my mother to cosign so I could build my credit. The credit limit was probably not more than {$1200.00} maybe {$2000.00} XXXX. I hadn't paid the on the bill for years. It was due to be removed from my credit files. Suddenly my mother started getting harassing letters and threats of a lawsuit for my unsecured credit card debt. My mother was dealing with failing health then and is now battling memory loss and XXXX stage XXXX XXXX. She is XXXX XXXX XXXX and currently in foreclosure due to a bad mortgage deal with XXXX XXXX. I am her POA and am trying to save her home. I see where XXXX XXXX or debt buyers has placed a lien on her home for over {$25000.00}. When my mother was subpoenaed to court over a credit card that wasn't even hers, I was by her side. We hired a lawyer that did nothing to represent us. This debt was due to fall of my credit report and they went in and said there was a payment made which started the collections back over so they could sue my mother because she has assets. It's not right that they were able to get away with this. My mother didn't know what was even going on or why she was being sued. In court the lawyer didn't bother to object to this company making a false statement that a payment was made. There was no record of a payment coming from my mother 's account or no proof at all. They were able to get a judgement against my mother for my credit card debt. I had also filed bankruptcy and it should of been XXXX. I want to know how it is even possible to be sued for an unsecured credit card debt. There has to be laws against people taking advantage of unsuspecting seniors. This credit card was probably sold to them for pennies on the dollar. They took advantage of my mother. She is not well and this stress is killing her literally. She as well as my dad have been dealing with severe stress and failing health since. I would like this situation investigated as I was the card holder and it is effecting my parents ability to have a decent place to stay. There has to be a burden of proof as well as truth. I reached out to you several months ago regarding my mother 's mortgage with XXXX for guidance. She is now in foreclosure. This was an absolute shock and a slap in the face. This matter needs to be investigated and the lies needs to be removed from my parents home. I am reaching out to the attorney General and want to see if there was some type of improper relationship between the judgement and this company. There is absolutely no way this could be legal. They are wanting my parents who are on a fixed income with declining health to pay them {$25000.00} for my unsecured credit card debt. I don't know how to have this investigated with the courts but I'm willing to take it to the Supreme Court. As citizens we are all entitled to justice. This is wrong.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89129
Submitted Via: Web
Date Sent: 2024-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I have been trying to tell this company this wasn't me it fraudulent and needs to be removed from my file.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89129
Submitted Via: Web
Date Sent: 2024-02-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-04
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I made a {$4600.00} deposit on my Citibank checking account and the atm only counted {$3600.00} which is {$950.00} less The deposit was made XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10030
Submitted Via: Web
Date Sent: 2024-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-03
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I was charged interest after I paid by balance in full XXXX day prior to the end of the billing cycle. The interest charged was XXXX on a balance of XXXX. When I paid my balance in full, I paid it on XX/XX/XXXX. My due date ( end of billing cycle ) is XX/XX/XXXX. I selected " pay balance in full ''. On XX/XX/XXXX, Citibank charged me XXXX in interest in the amount above. This makes no sense. I called to find out why. The explanation was that I did not pay the balance in full prior to the end of the billing cycle, and the interest accrued between that time and the end of the billing cycle. They said they allow this to happen " in the event I need to make more purchases. '' This also makes no sense. I did not understand the man 's explanation, but he was adamant this was how they did things. I told him it sounded more like a pre-payment penalty which is illegal in Washington, or Citibank just wanted to make money off of people. According to the XXXX statement, the balance I paid had accrued interest of XXXX. If the XXXX is the interest the balance accrues between the previous statement and the billing date ( XXXX ), Citibank must update their computer records to show this, so that when people go into pay their bill, the amount accurately includes interest. This is the third time this has happened with Citibank. There does not seem to be a way to completely pay off a balance with this company as they send you another bill for interest. For all I know, interest will accrue on the interest, and they could continue sending me bills? How will I ever know when I have a XXXX balance?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98584
Submitted Via: Web
Date Sent: 2024-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-04
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Citibank has blocked my account since XX/XX/2024 for no apparent reason. I made a complaint earlier with CFPB and CitiBank responded saying the fraud department sent me a letter in the mail to confirm my account on XX/XX/XXXX and again on XX/XX/2024, neither of which I have received. They said it takes 7-10 business days to receive the letter and its been past that timeframe, twice already. Please contact the Account Takeover Department because they are the ones sending the letter and they are either sending it to the wrong address or not sending it at all. Citi Executive Response Unit will respond to this complaint by saying they sent a letter to my address and that the case is resolved ; I dont accept this response because they are still to contact the Account Takeover department and investigate why the are sending the letter to the wrong address. It can not be a coincidence that the mailman lost the letter, 2 times already. I still reason various anonymous mail from Citibank concerning my account, this seems to be the only letter from Citibank that I havent received and its from this particular department, so they are obviously doing something wrong. Ive filed a complaint with Citibank executive response unit and they basically told me they dont have any control over the fraud department and have no rapport with them and cant even call them. I have my life savings of {$55000.00} in this account which I can not access and this is jeopardizing my familys living situation as I am unable to pay rent without these funds. Citibank Account number : XXXX Account type : personal checking account Account holder Name : XXXX XXXX Citibank Fraud department : ( XXXX ) XXXX I have filed complaint with Citibank Executive Response Unit at : XXXXXXXX XXXX XXXX XXXX XXXX XXXX : XXXX Original OCC case number : XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91316
Submitted Via: Web
Date Sent: 2024-02-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-02
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: .Subject : Formal Complaint Regarding Fraudulent Charges on Best Buy Credit Card Issued by Citi Bank Dear Consumer Financial Protection Bureau , I hope this letter finds you well. I am writing to bring to your attention a concerning and unresolved issue involving fraudulent activities on my Best Buy credit card, which is issued by Citi Bank. Despite numerous attempts to rectify the situation, I have not received a satisfactory resolution, and I believe that your intervention is necessary to address the injustice I am currently facing. The incident in question took place when unauthorized individuals gained access to my credit card information and made online purchases from Best Buy. These fraudulent charges subsequently appeared on my monthly statement from Best Buy. I promptly contacted Best Buy 's fraud department to report the unauthorized transactions and requested a refund for the items I neither purchased nor received. In my attempts to seek redress, I submitted a written complaint to Best Buy, detailing the circumstances surrounding the fraudulent charges and requesting delivery records for the disputed items. Regrettably, Best Buy failed to provide substantive answers to my queries. Upon contacting their fraud department via phone, I was informed that the purchases were indeed identified as fraudulent and that a refund would be issued. Unfortunately, no concrete action was taken to effect the promised refund. Frustrated by the lack of resolution from Best Buy, I escalated the matter to the Federal Trade Commission by filing a case on XX/XX/2023, under the reference number XXXX. However, to date, I have not received any response from the Federal Trade Commission regarding the status of my case. Compounding the issue, I recently received a notice from Citi Bank threatening to escalate the matter to a debt collection agency if I do not settle the full amount. This threat is both unjust and unwarranted, considering that I am an innocent victim of fraud, and the issue has been pending resolution for almost two years. I am seeking your assistance in ensuring a fair and timely resolution to this matter. I kindly request the Consumer Financial Protection Bureau 's intervention to investigate the fraudulent charges on my Best Buy credit card, facilitate communication with the involved parties, and expedite the refund process. Additionally, I urge the Bureau to look into the lack of response from the Federal Trade Commission regarding my filed case. I appreciate your attention to this matter and trust that your intervention will lead to a just resolution. I have attached relevant documentation, including copies of my correspondence with Best Buy, the case filing with the Federal Trade Commission, and the notice from Citi Bank for your reference. Thank you for your prompt consideration and assistance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91724
Submitted Via: Web
Date Sent: 2024-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-02
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: On XXXX XX/XX/XXXX I opened a personal checking account online with Citibank and transferred {$10000.00} from my personal checking account at another institution. On XXXX XX/XX/XXXX Citibank sent me an email saying that my account would be closed within 60 days. It is not clear what led to the account closure and the only explanation from Citi was : " We periodically review customer accounts and assess account activity. Based on a recent review of your Access Account account, we found that you have violated the terms of your account per the client manual. '' Citibank has not returned the funds to my sending account nor sent me a check for the funds. Attempts to retrieve the funds from Citibank have been unsuccessful. Citibank representatives have given information that is inconsistent, unprofessional and at times disparaging. On XXXX XX/XX/XXXX I called Citiphone banking and XXXX from Citibank said that there was a " Block '' on the account and another person from the fraud department would be able to lift it. According to XXXX from Citibank I would then have full account access. When I called the fraud department as directed, XXXX from Citi answered and proceeded to make disparaging remarks about my name. When I asked to speak to a supervisor the Citibank representative hung up. I called the citibank fraud number again and this time Citibank representative XXXX told me that to receive the funds I would have to make a new account but that I was also not able to make a new account. When I asked for a summary of the issue in writing the Citibank representative hung up.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A