Date Received: 2023-03-05
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Citibank continues to not allocate my payments to Promotional Balances as requested through their credit services app. I made 1 purchase online with Home Depot and Citibank fractured the balance into 6 separate Promotional balances. I requested Citibank to just combine into 1 balance as all are due on XX/XX/2024. Citibank refused. I have managed to pay off 4 of the balances leaving 2 balances. Citibank again fractured the account back ( Citibank has done this twice now ) into 4 separate balances. I just made a payment to payoff 2 of the 4 balances and the minimum amount due on the account. Citibank did not allocate the payment as instructed and I still have 3 different balances. I am a senior citizen and I believe they are making this difficult to pay off by creating separate balances so that I will owe the interest that is deferred until all is paid off. This is a scam and they are harming the consumer. I feel so stressed and sick by this fraudulent practice of Citibank. Please help as their customer service representative was extremely rude and yelled at me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ID
Zip: 83714
Submitted Via: Web
Date Sent: 2023-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-05
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I've had a Citibank credit card account for over 37 years. It had a very high limit which I only kept that account in case of a family emergency. I never used that account for regular purchases. The card was kept locked up. I did however have the account set up to pay balance in full each month as an Autopay to be deducted from my personal checking account. In XX/XX/2022 I noticed on my bank account that over $ XXXX was taken from my account as an autopayment from Citibank . I contacted Citibank customer service and they immediately connected me to the fraud department who went over the transactions with me and assured me I would not be responsible for any of the fraudulent transactions. The $ XXXX would be returned to my bank account, which it was, and they shut down that " credit card '' and sent me a new one. However, I never received that new card and then the next month more fraudulent charges appeared on my account under a new card number. Again I contacted Citibank customer service and again they assured me I would not be responsible and they would shut down that card, and send me a new one. Again I never received a new card, and again there was more fraudulent activity the next month now XX/XX/2022. This time after being transferred within Citibank customer service and around an hour & a half of discussion on the phone someone finally was starting to see what was happening and seemed like they could help me. Apparently as soon as they would verify my correct address & email someone from the dark web was changing it and ordering new accounts and cards in my name. And again I was assured that I would not be responsible. But, in XXXX of 2022 I received an alert from XXXX XXXX that my credit scores had dropped from XXXX to the low 700 's because of a 30 day late payment on my Citibank account. Like I said I have had this account for over 37 years and have never ever made a late payment, or even used the card not once in the past 2 or 3 years. I also have made it a personal goal for my husband and myself to always maintain perfect credit scores as we are both in the financial services business and understand how valuable an excellent credit rating is. I contacted Citibank customer service and the foreign representatives could not help me at all, they seemed to struggle with understanding my situation and how they could help. I repeatedly asked for someone in the fraud department which I finally did speak too, and they said they understood and would correct the situation. The next thing that happened the next month was I got another late payment and my account of over 37 years with an extremely high limit was closed and my credit scores dropped another XXXX or so points. At that point my scores were in the 600 's. I contacted Citibank to submit a dispute, as well as filing disputes with all three credit bureaus.. Supposedly my disputes have been ignored, or settled as legitimate and my credit reports are still showing inaccurate information and my Citibank account is " closed by creditor '', Which has adversely effected my excellent credit history. I understand that it looks bad to have a creditor close your account, and it adversely effects your score as it reduces your debt to credit ratio when you lose access to a high amount of funds. I did contact an attorney but it seems like all the credit attorneys just want to help people that are trying to get out of paying their actual debts... not fight for those that have legitimates issues with a creditor. Thank you very much and please let me know if you need any further information from me. Sincerely, XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 490XX
Submitted Via: Web
Date Sent: 2023-03-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX, XXXX reporting negative information on credit report. According to 15 U.S. Code 6802 ( B ) it's illegal to
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 485XX
Submitted Via: Web
Date Sent: 2023-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX and XXXX, and creditors reporting improper information on credit report according to 15 U.S. Code 6802 ( B )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 485XX
Submitted Via: Web
Date Sent: 2023-03-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX and XXXX, and creditors reporting improper information on credit report according to 15 U.S. Code 6802 ( B )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 485XX
Submitted Via: Web
Date Sent: 2023-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-06
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 XXXX I purchased a living room set at XXXXXXXX XXXX XXXXXXXX in XXXX XXXX, IL with a total amount due of {$4200.00}. I paid {$600.00} in cash and debit card, with the salesman in the store, and charged the remaining {$3600.00} on my Citi Simplicity credit card. I swiped my credit card when the salesman informed me he was ready to accept payment. The salesman informed me the first swipe did not work and he requested I swipe a second time. My card was charged twice for the same purchase. The first charge in the amount of {$3600.00} is authorized. The second duplicate charge in the amount of {$3600.00} was not authorized by me. The merchant made an error at the point of sale. After numerous attempts to contact the merchant to request the unauthorized charge be reversed and resolved went unanswered, I filed a dispute with the credit card company on XXXX ( dispute ID number : XXXX ). The credit card company provided a conditional credit after I submitted supporting documentation this was an unauthorized charge, contacted the merchant, and gave the merchant until XXXX to respond. On XXXX the credit card company notified me that they have closed their investigation, reversing the conditional credit in the amount of {$3600.00} plus interest ; and attaching a notice from the 3rd party vendor ( Stripe, Claim Id : XXXX - XXXX ). THE END OF PAGE TWO OF THIS DOCUMENT STATES THAT MY DISPUTED CHARGE IS A DUPLICATE AND THAT THE MERCHANT/3RD PARTY IS NOT CONTESTING. In subsequent contact with the merchant ( XXXXXXXX XXXX XXXXXXXX ) since the XXXX dispute, the merchant provided a statement in writing that they are not disputing the unauthorized duplicate charge. XXXXXXXX XXXX XXXXXXXX reported to me via XXXX XXXX that the unauthorized duplicate charge would not be disputed. The XXXX letter from the credit card company indicated that I may continue disputing the unauthorized duplicate charge if I reply by XXXX. On XXXX I provided additional documentation to support the my dispute via fax and email to Citi, and demanded that the unauthorized duplicate charge and interest be withdrawn and reversed permanently. The canned and automated reply emails from Citi Simplicity ( the credit card company ) for my ongoing dispute are not reassuring. My trust in their process is waning. I did not make, nor did I authorize, a duplicate charge in the amount of {$3600.00} on XXXX the unauthorized charge was an error made by the salesman at the point of sale in the 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: IL
Zip: 60560
Submitted Via: Web
Date Sent: 2023-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-06
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 will submit a condensed version of the complaint since I just spent ONE HOUR gathering receipts, statements, documents, invoices, etc and completed all the forms, but when it came time to upload the documents, the computer froze and all the work was lost. Not to risk that again, I will submit the documents separately against Macys and Bloomingdales. The following charges were made as a 60 % required deposit to XXXX XXXX and XXXX XXXXXXXX to order the product from XXXX, the dealership. There were two invoices {$11000.00} for three sets of two sliding glass doors including installation {$8.00}, XXXX for two sets of double doors plus a side door, installation, and the Permit. Macys charges : XX/XX/XXXX {$4000.00} XX/XX/XXXX {$2500.00} Bloomingdale charges XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1100.00} XX/XX/XXXX {$2500.00} Other charge cards were used for the balance due. In addition, XXXX charged an additional 3.5 % for the use of the credit card, plus 7 % taxes. New door handles & new locks were needed for the 5 doors. This was an additional approx {$1800.00} cost. THE PRODUCT TOOK NEALY A YEAR TO ARRIVE, as was the case with many materials these days. XX/XX/XXXX XXXX said the materials arrived and he came to install and demanded the balance of the 40 % cost, of which I paid him in full. XXXX left all the trash of removed patio and side door in the back yard although his contract included removal. The install was bowed and not closing and leaked in the rain. The handles were mismatched causing them to fall off. The front doors were reversed ( 30 years the right door opened, now it was the left ). Foundation cement was exposed and the door shook ... doors that were supposed to be tight and secure for a hurricane., I continued to call XXXX to set an appointment for him to finish all the undone and damaged work. Texts, calls and emails went unanswered. After giving XXXX the benefit of the doubt and thinking that maybe it's because the materials take so long to arrive, I waited for XXXX to respond. That never happened. Approximately XX/XX/XXXX I submitted a dispute to Macys. When calling Macy 's for a status update to my dispute, I was told by Macys 1 ) XXXX said he completed the work 2 ) Macy 's claimed I waited too long to submit a complaint & refuses to dispute HOW COULD I SUBMIT A DISPUTE SOONER WHEN IT TOOK A YEAR FOR THE MATERIALS TO ARRIVE??? That is unfair and unjust! Afte realizing XXXX had no intention of returning, I contacted his dealer. I was informed that despite tha fact that XXXX XXXX XXXX licensed on his paperwork, and confirms insured, the dealer ( XXXX XXXX of XXXX XXXX ) informed me that XXXX is NOT insured and is using someone else 's license. XXXX came to look at the job and made a long list of defects. The cost of addressing the defects is estimated at anywhere between {$10000.00} to {$20000.00}. XXXX said the doors need to be removed, an engineer called in, cement poured, inspected along the way, before the doors could be reinstalled. An addition cost caused by XXXX is when he shaved down a NEW XXXX lock lever which jammed the system and had me locked out of my house until XXXX XXXX while the locksmith picked the lock open for {$300.00}. The NEW XXXX lock ( {$280.00} ) also had to be replaced with another NEW XXXX lock ( {$280.00}. ) So, Macys ( and Bloomingdales Citi Bank is being UNFAIR in closing my dispute when there is no way I could have submitted the dispute any sooner. As stated previously ... it took nearly a year from the time of order to material arrival. Then I waited for XXXX to do the install instead of a scam. Again, how could I predict that and dispute sooner??? XXXX requested cash or check but I paid more money to have the protection for consumers which are backed by the credit card. Not only did XXXX scam and steal and leave me in a mess, but CitiBank is cheering him on. It is UNFAIR. Citi Bank needs to step up and do the advocacy of the consumer for which they profess they do.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-04
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: To whom it may concern it was brought to my attention that someone opened a Citibank credit card using my name they have removed it from the other credit bureaus, but from XXXX XXXX they removed it and put it back on. I dont understand that.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 12603
Submitted Via: Web
Date Sent: 2023-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I checked my credit karma and I have 2 credit cards that are maxed out from XXXX. One with {$10000.00} and the other with {$7700.00}. I have not opened any of these cards or know what they are. It dropped my credit score XXXX points. It says one account was opened XX/XX/XXXX and the other XXXX XXXX XXXX I would like to know who opened these account if possible and have this resolved.
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: 2023-03-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-04
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am writing in regard to the AMEX/CITIBANK , N. A XXXX XXXX. This item was disputed using CFPB. The complaint was sent on XX/XX/22. XXXX completed its investigation, including contacting the furnisher of the information. On XX/XX/22, XXXX responded and deleted the account from the credit report, but only XXXX deleted the account. The other credit bureaus didn't. This is a violation of FCRA 623. FCRA places the burden on the furnisher of the information to update any reporting so as to maintain its current accuracy. FCRA 623 ( a ) ( 2 ). Additionally, FCRA 623 ( b ) ( 1 ) ( D ) requires that if an investigation of a dispute, the furnisher finds any information to be inaccurate and thus in need of correction or deletion, they must provide those results to all other consumer reporting agencies to which they have also reported the disputed information, and not just to the CRA handling the dispute.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06320
Submitted Via: Web
Date Sent: 2023-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A