Date Received: 2023-02-24
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: The charges that the company are alleging have occurred are on a closed account for a canceled service ( I-the customer have canceled these ). Best Buy did go back and credit part of the balance, but they are not taking care of the late fees associated with wrongly charging this card. The Sales Associated recommended applying for and using a Best Buy card when we checked out at Best Buy XXXX on XX/XX/XXXX. He suggested using it for the great discount and said that we could pay it off when we were at the register before leaving the store. This is what we did do and these receipts are available if needed, but arent in question. The representative also recommended Best Buy XXXX XXXX service to help with a computer. We were unfamiliar with this service, the associate explained how it worked. He said that we would really like the service since we live an hour and fifteen minutes from the nearest store and we can drop off the item to be repaired or we can call and get assistance over the phone. On XX/XX/XXXX, I brought a tablet computer to the store for repair. Upon getting to the XXXX XXXX XXXX, I was met with rude service. This repair service man was quite angry that I brought a tablet to be looked at without a previously scheduled appointment. He refused to help me and was speaking to me in such a way that a higher up in the department came over to help. The higher up agreed to take the tablet and that they could check it in when they had time available. When I returned to pick up the tablet the service was not much improved, with the XXXX XXXX member telling me he was too busy to tell me what problems had been repaired. With these being my only interactions with the XXXX XXXX, I immediately ( while at the checkout desk ) asked for the tech support service to be canceled. Proof of the cancellation is included and is dated XX/XX/XXXX. Since then, I have not been in a Best Buy store or utilized their services in any form or fashion. In XXXX of XXXX, I received a letter from CitiBank that my account was delinquent. I didnt have a CitiBank Card XXXX so I called and asked what this was referencing. When I called the lady asked for my card number, however I didnt have a card number. She could tell me that it was in reference to my Best Buy card. To clarify, I have never received a Best Buy card in the mail and have only used the store on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and always used my social security number on the keypad and paid the total before leaving the register. This CitiBank associate couldnt help me and advised me to call the local Best Buy store. I did call the local store the same day, but they couldnt help me since it was a credit card issue. It wasnt until XXXX of XXXX that I received a Best Buy Account Statement that showed an open balance, but wasnt itemized. When I called them, the associate gave me three different totals that were due ( the totals all varied between XXXX and XXXX ). She said the charges were from renewing my XXXX XXXX membership. I did explain that the membership was canceled well over a year ago and that we hadnt returned to the store or renewed the membership in any way. She said they would need to look into that, Id be receiving a letter in the mail in 6-8 weeks with their decision. They did deny my claim and refused to credit the account. I have received monthly statements since this time and have called and asked about the charges nearly monthly. The charges have changed, but none of the associates can give me further information about them. I have asked to be forwarded to a manager, but have been unsuccessful in speaking to them. In XXXX of XXXX, I received a credit collection letter from XXXX XXXX XXXX. Upon calling to discuss the previous events with them, she said that they would reach out to the company and look into the charges. They are stating that CitiBank reviewed the account and says the balance is valid. I greatly disagree with this for the above reasons and have evidence to support this being an unauthorized charge.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 526XX
Submitted Via: Web
Date Sent: 2023-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-25
Issue: Other transaction problem
Subissue:
Consumer Complaint: I made a payment in XXXX of 2022 through Citibank using their XXXX pay ( an Electronic fund transfer service ), for a vacation rental in XXXX XXXX NJ. My family and I came down with covid, and had to cancel our vacation. I requested a refund for our unused vacation, was denied, and requested again and never heard from the alleged owner of the vacation rental. I brought this to the attention of Citibank in XXXX, XXXX, XXXX and XXXX of 2022, repeatedly saying that I was defrauded out of {$1500.00}. Citibank refused, claiming no responsibility. Citibank is governed under The Electronic Fund Transfer Act, and does indeed owe me a refund due to fraud. Citibank must better approve the users of their services.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 115XX
Submitted Via: Web
Date Sent: 2023-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-24
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: Hello CFPB team, On XXXX XXXX, XXXX, I logged into my Citibank online account, which is how I manage my Citibank credit card. Before my account was displayed, I received a promotional message directly in my web browser from Citibank offering a Cash Bonus if I opened a High-Yield Savings Account through Citibank. The terms were straightforward : put {$50000.00} or more on deposit in the new Citibank High-Yield Savings Account within 20 days of opening the account. Then, keep at least {$50000.00} minimum in the account for 60 days, and a {$450.00} bonus will be credited within 4 weeks of meeting requirements. This seemed like a good deal, so I signed up, fully funded my account within the first 10 calendar days, and kept my full balance on deposit with Citibank for 3 months. By XX/XX/XXXX - more than 4 weeks after meeting the requirements on XX/XX/XXXX - I had still not been credited the {$450.00} Cash Bonus advertised by Citibank when I opened my account. I contacted Citibank support on XX/XX/XXXX to ask when my bonus would post to the account. At XXXX XXXX, the support rep ( " XXXX '' ), informed me that the 30 calendar days would start counting from XX/XX/XXXX, and that meant my bonus would post before XX/XX/XXXX. I checked again on XX/XX/XXXX but the bonus still had not posted to my account. I contacted Citibank support again, XX/XX/XXXX at XXXX XXXX XXXX the support rep ( " XXXX XXXX ) confirmed that I had met the requirements, but that the bonus still had not posted, and that a dispute would be opened on my behalf. XXXX weeks later, I had still not heard back from Citibank or seen the bonus post to my account. I contacted Citibank support again, this time by telephone. The support rep I spoke with on XX/XX/XXXX told me that Citibank was unfortunately dealing with " lots of disputes for new account bonuses not being credited ''. She told me that she would add a note to my account saying the customer called. But then encouraged me to wait " just XXXX weeks more '' to get an update. Following that call, on XX/XX/XXXX I was provided a letter from Citibank ( titled, " Our Research Results '' ) through my Citibank online account portal. The letter mentions a promotion code and states that it " was not offered in conjunction with the above account ''. Furthermore, the letter asks for written proof that a Cash Bonus was offered to me, and states that " we do not accept a print out ''. This is deceptive marketing and very poor customer service. I signed up for an offer that Citibank pushed to me through their own online credit-card management portal, and now Citibank delays paying the bonus and now states that my account was never eligible for a bonus anyways. This directly contradicts every conversation I had with Citibank customer support - 3 times, who consistently made it clear to me that 1 ) they were well aware of the Cash Bonus promotion and 2 ) my balance and time deposit met the requirements for the bonus. It is almost bait-and-switch to promise a Bonus for opening an account, and then claiming, nearly 5 full months later, that no bonus was ever offered to me. It clearly was. I am attaching the screenshot I do have from when the offer was presented to me in my Citibank online portal. While I am extremely disappointed in Citibank 's handling of this situation so far, I still have hope this is a mix-up and the CFPB can help resolve this situation with Citibank. A fair resolution would be for Citibank to credit my account with the {$450.00} Cash Bonus they offered when I opened the Citibank High-Yield Savings Account they advertised to me on XXXX XXXX, XXXX. Best regards and Thank you for the work you do for all of us.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98116
Submitted Via: Web
Date Sent: 2023-02-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-25
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened a business account in XX/XX/XXXX, responding to Citi 's promotion with cash bonus. The requirement was to mainatin to a certain level for 60 days to receive cash bonus. I funded my account with {$15000.00} ( there was a limitaiton for transfer amount ) over several months, far more than 60 days. However, I have not received a cash bonus sa of today ( XX/XX/XXXX ). Cah bonus should be {$500.00} per its own terms. I contacted Citi multiple times. Provided W9 recently, which I beleive that I did provide this when I opened my account at a branch in XXXX. A banker that I am working with is XXXX XXXX XXXX Retail Business Banker Assistant Vice President XXXX XXXX XXXX XXXX XXXX ID : XXXX Email : XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77429
Submitted Via: Web
Date Sent: 2023-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-23
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: My Citi Credit Card payment on XX/XX/XXXX, was XXXX I made a mistake forward a check in the amount of XXXX. When I realized that I made this mistake I chatted with CITI at that time requested that the payment be returned to my checking account. this was XX/XX/XXXX. I received a letter dated XX/XX/XXXX, from the customer Service Team this letter stated " If this payment is refunded, your balance will over your assigned credit limit. If you want us to send a refund, please call us. Take into account that my minimum payment was XXXX which was it seems that Citi Card was holding my money hostage the XXXX refunded to me was my funds not Citi Card how is it possible legally to use my funds to exceed the limit. Citi Card reduced my credit limit after I made a XXXX in XXXX, they also stop all cash advance. When I made this error XX/XX/XXXX, Citi Bank took the same action against me for reason unknown my account was paid on time usually schedule. I question Citi Card authority to review my account twice in the 2 past years each when I was within my contract, as mentioned before I have never missed or been late on a payment. I presently have a dispute with Citi concerning this issue I am waiting for Citi Card response. I filed my dispute with the CEO in New York. I want to file a complaint against Citi Card for violating the Fair Credit Reporting Act. Citi Card send misinformation that I am over credit limit to each Credit Reporting Agency. This information is lowered my credit score. I feel that is s violation of my Civil Rights along with Racial Bias based on my AGE XXXX XXXX XXXX Race XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 278XX
Submitted Via: Web
Date Sent: 2023-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-23
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I was a victim of fraud XX/XX/2023 I reported it. The bank expedited me a new card and as soon as I received the card they closed my account and I were unable to activate it and when I called the bank I am getting the same read scriptures on their computer telling me to wait for a letter and 30-60 days for them to mail a check out Im sorry I am a single mother of XXXX and who now is facing an eviction. I need this case escalated the fasted way possible
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 296XX
Submitted Via: Web
Date Sent: 2023-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-23
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I was a victim of identity theft my phone number, cards social security number and other things was solid to someone on the dark web and I was a victim of security breach with reporting agency. I filed a report with the federal trade commission and let the credit bureaus and credit card company CBNA know and attached the report to my dispute. all but XXXX has not removed the cbna account from my report. I filed disputes attaching the FTC identity theft report and still its not been removed from XXXX. CBNA Said they will investigate the matter but never gave me an update. I would like to know a decision! My credit score was fixed when they added remark code : dispute account information/ close by consumer My credit score dropped 50+ points yesterday when the changed the remark code to dispute resolved, consumer disagrees/ close by consumer The Dispute is not resolved
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10036
Submitted Via: Web
Date Sent: 2023-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-23
Issue: Other features, terms, or problems
Subissue: Credit card company forcing arbitration
Consumer Complaint: XXXX XXXX Credit Card & Home Depot Credit Card..Accounts was open due to Fraud & doesn't belong to me & i have submitted & FTC Report due to Fraud & are refusing to remove it from my Credit Reports
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: 2023-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-23
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: XXXX - {$10.00} transferred into Citi checking account. XXXX - Citi checking and savings accounts frozen, told they were under review over the phone. XXXX - Notice of account closure given via email and letter in mail - Was told accounts will be closed within 60 days and checks for any outstanding balances will be sent - Savings account ( empty ) immediately closed, checking account still frozen but open XXXX - {$250.00} direct deposit into Citi checking account by XXXX ( employer ) Outstanding balance : {$10000.00} in Citi checking account XXXX - Unauthorized withdrawal of {$10000.00} made by Citi, classified as Other Withdrawal XXXX - Went to Citibank branch in XXXX XXXX, CA - Was told they would not be able to produce a cashiers check and that I would have to wait for the account closure to be finalized. XXXX - Unauthorized withdrawal of remaining {$250.00} made by Citi, classified as Other Withdrawal in Citi checking account XXXX at latest - Now-empty Citi checking account closed ( XX/XX/30 is when the final monthly statement was produced ) XXXX - Called Citibank - XXXX to be transferred to specific Fraud XXXX department which XXXX closed my account. - Was told that there was nothing they could do and to wait XXXX business days for a check in the amount of {$10000.00} and that they had no idea specifically when the checking account was closed. Since this account could not have been closed after XXXX, XXXX business days would elapse some time in XXXX XXXX - Called Citibank - Transferred to Fraud Prevention/account XXXX - XXXX : A check shouldve been sent out to the address on filed ( as verified ) when the account was closed. I had not received a chock, so I asked them to verify. XXXX ( the account XXXX I was transferred to ) spoke with the bank and quoted the same XXXX business days number and was very vague on when I would receive my money. XXXX - At least XXXX business days since account closures have elapsed with no check for the amount that Citi owes me- {$10000.00} - having been received. Complaints being initiated with appropriate regulatory agencies.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 981XX
Submitted Via: Web
Date Sent: 2023-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-23
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: This furniture company has kept furniture and not delivered it. I'm being billed for something I never received.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A