Date Received: 2023-02-21
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Best Buy advertised a 0 % financing period and Citi did not honor it. I was charged 30 % interest. I just paid off the account, because I have other financing. This is predatory behavior. I would have never made a charge on a 30 % APR.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80211
Submitted Via: Web
Date Sent: 2023-02-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-21
Issue: Problem when making payments
Subissue:
Consumer Complaint: My name is XXXX XXXX and having trouble with Citi on my new personal loan. Loan # XXXX. I made my first payment in XXXX of XXXX and received emails and phone calls from Citi Collections that I did not make my first payment, this surprised me since I had record of the check clearing already. After numerous calls to Citi I was asked to fax a copy of the front and back of check which I did on XX/XX/XXXX. I spoke to the following supervisors in XXXX and XXXX XXXX and XXXX and neither one was able to get this resolved with Citi 's back-office. I was told they have my fax and would adjust my account in 7-10 days. XXXX is XXXX XXXX and I still can't get this resolved. No one is calling me back with updates and I am very frustrated I have to keep calling. Citi needs to adjust me account ASAP and make sure I am not charged late fees, adjust for interest and credit my account with a one-time fee credit for the trouble I am going through. This was my first payment and has been a nightmare experience. Also I asked that my loan be linked to my credit card so I can review balances and make future payments online. I was informed by Citi they are having a problem linking accounts with 11 digits, this is crazy! I requested a new shorter account number and they have provided this to me either. I want this processed ASAP. Unfair practices and awful customer service from Citi. XXXX ph # XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 023XX
Submitted Via: Web
Date Sent: 2023-02-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-21
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: On XX/XX/XXXX I used my Citibank credit card to rent a truck from XXXX in the amount of {$2300.00}. XXXX contacted me a couple of days later to inform me that my card had been declined multiple times due to an authorization issue ; so I decided to use my debit card to make the purchase instead. In XXXX, Citibank informed me that they closed my account, so naturally I thought nothing about the charge that never went through. On XX/XX/XXXX, I received an email from Citibank informing me that they authorized the purchase with XXXX for the amount of {$2300.00}. I then call Citibank immediately and told them I paid that amount using my debit card because it had been declined by them so many times and then closed my account. I then proceeded to forward my bank statement to them to show proof that I used other means to pay XXXX. Since XXXX, Citibank has been telling me that the charges would be reversed, and will reflect on the following months statement, and each month it isn't being resolved. When I receive my statement each month, that amount I'm disputing is still reflected on my account. I've been transferred from person to person for 3 months, with no resolution. I even called to find out what my true balance was so I could make my balance XXXX and be done with this. I was told to just subtract {$2300.00} from the current balance, and that's what I owe them ; not taking into account that I'm being charged interest on money I never used. They keep giving me the run around and keep telling me they can't give me more information about my account because it's now closed. I received my new statement on XXXX XX/XX/XXXX and the amount is still on my account. Prior to receiving this statement, I spoke to a dispute specialist, who then transferred me to another department and provided me with a direct number to that department. At that time he said, they can't do anything with my account at that level it needed to be handle by someone higher then that department. When I called Citibank today ( XXXX XXXX ), I called the direct number given to me a week ago, since the specialist told me this was the department who has the authorization to resolve this issue. This person ( the person I spoke to with the elevated status ) told me the correction will be on my XXXX 's statement. When it wasn't I called the direct number again today ( XXXX XXXX ), I was once again transferred back to the dispute specialist, this is the same sector that from what they told me, could not fix this at that level and my case had to be elevated. Now I'm at the point where the two sectors keep taking my back and forth between the two, with nothing being resolved. Citibank has admitted to me a number of times that the balance is incorrect, but no one seems to be able or willing to right the wrong.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 357XX
Submitted Via: Web
Date Sent: 2023-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-21
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: On XX/XX/2022, I received a suspicious activity email from the credit card company and replied that I didn't recognize the charges and didn't authorize them. As the XXXX XXXX credit card statement shows on XX/XX/2022, two charges were made on my card. The first one was for {$220.00} and the second one for {$450.00}. On XX/XX/XXXX, XX/XX/XXXX and XX/XX/2022, I filed three different challenges on the charges. The company removed the charges temporarily and immediately charge them again. They keep charging me and making threats to report the credit companies. Every time I try to contact the company no one seems to know about the issue. The company has removed the option from the online banking app to file a challenge to the charges. A few weeks ago, I filed a complaint with CFPB and the company responded by telling them that I didn't responded to the information they requested, also they claim their records showed that I had the card with me which is protected by a chip that prevents cloning. That information is not correct, first the charges were made on a store in the country of XXXX and second the minute I receive the alert I requested a new credit card since I dint have it or used it in years, it had no balance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PR
Zip: 00959
Submitted Via: Web
Date Sent: 2023-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-21
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I received notice that a hard inquiry hit my credit report. This was unauthorized. XXXX representative provided me with the following info : on XXXXXXXX XXXX, a hard inquiry was placed on my report by Citibank ( CBNA ) and provided me a phone number for Citibank. I called the number an they were unable to give me any information based on me giving them my SSN.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63303
Submitted Via: Web
Date Sent: 2023-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I pulled my credit reports as I have been incarcerated since XX/XX/XXXX and was just released on XX/XX/XXXX. There are several inaccurate items listed on my reports that should not be there. I have both soft and hard inquiries on my report that I did not do or authorize such as Home Depot, XXXX XXXX, XXXX XXXX, & XXXXXXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43232
Submitted Via: Web
Date Sent: 2023-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-21
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I have a credit card with Citi Bank South Dakota and I called to find out why my payment was so high. I am seven days late with my payment. I ask the representative to explain to me why my payment was so high. I was informed that the bank charged me two times with two different interests for one month. My understanding is that the interest is high, 1st interest rate is XXXX dollars and some change and the 2nd interest rate was XXXX dollars for one month and a late fee of XXXX dollars. The representative told me that I was charged twice for being late. I told the representative that they could not do that, but insisted that it was correct. I told the bank representative that was not right. I understand being charged once for the month, but twice, I don't think that is fair, and I told the representative three times they couldn't do that. In the pamphlet, it doesn't state anywhere that you would be charged twice in one month for being late. I got choked and had to hang up the phone. I have been with Citi Bank since 2018 and the first time I have been late on my payment. Thank you for the time to help with this complaint.
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: 2023-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-21
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: Citibank reduces credit limit from {$8500.00} to {$0.00} over the existing balance of about {$1400.00} on an account ending in XXXX. When I called XX/XX/2023, the three customer service representative took 15 minutes to verify who I was. Then told me I had to call XXXX for the reason why credit limit was reduced. Citbank runs this card under the Costco Anywhere Visa. The only email notification of a change on my account was an email. This email didn't provide details, and the link was broken. Meaning I received a notice, but the notice didn't provide any reason why the credit limit was reduced. In the banking industry this is called fee farming. Because if the account goes over the limit I'll get a fee, plus they can increase the interest rate. This is an unethical practice. Citibank didn't provide details to the customer service to respond to my inquiry. They pushed me off to someone else. My claim is that this is a programmatic model that maximizes fees and interest charged. Good payment performance with this bank is being overlooked.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 24112
Submitted Via: Web
Date Sent: 2023-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-21
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: As Citi bank advertises, a new customer opens a checking account, and deposit XXXX within 20 days, the customer will receive a {$500.00} bonus after 80 days. If I apply for new Citi credit card with my checking account on the same day, I will receive extra XXXX XXXX bonus. I opened a checking account and deposit a check of XXXX to my new checking account and applied for my new citi credit card on XXXX, XXXX, XXXX. I should receive my bonus in XXXX, XXXX however I havent. The banker told me the {$600.00} bonus will deposit to my account automatically. I went to the local citi bank to ask about my bonus in XXXX, XXXX, why I havent received my bonus on time. The banker keeps telling me they dont know. They can do nothing about my case. The only way for me is waiting. I did everything to meet the bank requirements, and can not receive my bonus. With the high rates now, I am losing money with Citibank! They keep threw the ball to me, I dont get any help from them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92886
Submitted Via: Web
Date Sent: 2023-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-21
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I was on medical leave, missed one credit card payment, XXXX late, to XXXX XXXX XXXX XXXX. As a result of that one error, a different card reduced my credit limit to the balance on the card, which was 50 % of the original limit. After that one did it, three more did it, reduced all limits to the balance on the card. Domino affect, bad credit rating, and a false report that says 'excessive spending maxing out cards. '' I did NOT spend the max, I didn't spend ANYTHING, but the cards all decreased the credit limits. Which then jacked all my interest rates. The algorithms used to report are faulty. If you make ONE error, you should not be robbed and gouged by other companies. What is the law that protects consumers from this faulty scoring, which says " over spending '' when the credit card companies caused the appearance, by lowering the limit to the balance on the account? One of the accounts had a {$15000.00} limit, I owed $ XXXX, they dropped the limit to $ XXXX, immediately making appear I'd been running around spending all the credit limits. HOW DO WE FIX THIS? I NEED HELP. I managed to make it through the pandemic and not declare bankruptcy, even though I was out of a job for a year, with proof of job search daily. when I DID get it a job it was at 50 % of my previous salary. And still, I managed to survive without being lazy, AND I got no help from taxes or any other government funding. THIS FAULTY ALGORITHM AND CREDIT CARD COMPANY FRAUD is even more destructive.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 351XX
Submitted Via: Web
Date Sent: 2023-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A