Date Received: 2023-02-20
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 hade a credit card with best buy and its threw Citi bank. There was a charge on XX/XX/XXXX for the amount of XXXX. I did not make the transaction because I lost my wallet at the time. it was an online purchase and shipped to the address I live in before. i did not make this transaction and after i spoke to them they did give me a credit for the full amount and after they investigated said that i was going to pay for the charges i asked i did not make it and what can i do to prove that i did not they said they can tell me what to do they said that they will open it again and see what they can do they send me a letter saying that they did the investigation and im at fault for the charges. called again and they said that i can send them a bank statement for the amount threw fax id di comply and they said that they did not receive it and will not open the investigation unit they do. they said give it will Monday XX/XX/XXXX to see if they do get it if not they will look at other options
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93313
Submitted Via: Web
Date Sent: 2023-03-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-20
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: XX/XX/2021 I purchased an XXXX XXXX on XXXX for {$1600.00} XX/XX/2021 XXXX said my flight was null and void and i would be refunded. I was not refunded by merchant so i issued a billing dispute. XX/XX/2021 Issued a billing dispute due with Citi Citi credited my account at the time. However later they re-charged my card in XX/XX/2021 ( backdated to XXXX ) for amount of {$1500.00} meaning I had 1 credit and 2 charges on my card so I actually had paid for the flight XXXX had said was null and void. Contacted Citi in XX/XX/2021 reporting issue and they acknowledged I should not have been charged. Contacted them further in XXXX and XXXX and was told the issue was closed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94080
Submitted Via: Web
Date Sent: 2023-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-20
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 called XXXX XXXX ( BG ) on XX/XX/XXXX to renew my annual pass. I paid {$210.00} for my renewal. No problem or so I thought. The next day I checked by XXXX account and noticed that I only had a pass for XXXX not XXXX and XXXX XXXX like I previously had. I called the next day to get the issue corrected. The call was disconnected before we could correct the issue. I called back again the next day. During the initial conversation it didn't see as thought XXXX would correct the issue and I told them I was filing a dispute with my credit card company and did so while I was on the phone with them. After about an hour or so on the phone the representative said they would get my pass fixed to the two parks, but it would take about three weeks. I was hesitantly satisfied with the resolution, but canceled my dispute. Come mid-XXXX I check my account to see how things are going and low and behold I have no pass at all. I called XXXX again. I inquire about my resolution and about a refund at this point again because of the not being able to use the pass for time that I paid for. The supervisor then informs me that they will do nothing. I am now left with XXXX pass after paying for yearly pass less than one month after purchasing said pass and never using it. On XX/XX/XXXX, I filed a XXXX complaint against XXXX. During back and forth emails with XXXX they claim that they issued a refund on XX/XX/XXXX. I forwarded the email from the merchant to the creditor on XX/XX/XXXX. The creditor responded with a letter dated XX/XX/XXXX it states, We previously disputed this charge for you and we took the funds from the merchant. Per their admission they returned the funds to the merchant. At no time have they ever claimed to have returned the funds back to XXXX XXXX XXXX XXXX XXXX XXXX. I have repeatedly requested the date that they funded the merchant and the creditor refuses to provide this information. I believe they have taken the money from the merchant while keeping the charge on my account. XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) sent me their copy of the return of my funds on XX/XX/XXXX. I forwarded that information to the creditor with a request for when the funds were returned to the merchant. The creditor issued a letter dated XX/XX/XXXX stating they have not received a credit from the merchant and a threat that they would penalize me with the credit agencies even though my account has always been up to date and paid in full at every due date.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33617
Submitted Via: Web
Date Sent: 2023-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-20
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Someone fraudulently made a reservation and stayed at the XXXX XXXX XXXX in XXXX, MA from XXXX XX/XX/2022 to XXXX XX/XX/2022, and my credit card was charged for XXXX. While we were in XXXX from XXXX XX/XX/2022 to XXXX XX/XX/2022, we stayed at the XXXX XXXX XXXX in XXXX, MA. We have provided evidence of our stay as well as evidence of our travel leaving XXXX on XXXX XX/XX/2022 to both Citi and XXXX. Inconsistencies also exist in XXXX 's dispute response letter showing incorrect phone number, last 4 digits of credit card that do not match mine, and a receipt for a guest named XXXX XXXX who stayed from XXXX XX/XX/2022 to XXXX XX/XX/2022. Also, during a phone conversation, I was told that the hotel had been booked through XXXX I have attached a snaphsot of our XXXX history to show there was no reservation or stay at the XXXX XXXX. All described evidence is included in the attachments. Citi nor XXXX disputes any of this evidence. However, after 2 investigations ( Citi first classified this as billing dispute and, only later at our insistence, switched this to fraud complaint ) Citi still insists that I am responsible for this bill. During my last conversation with Citi I was told that since I had done business with the XXXX XXXX in the past ( a stay in XXXX of 2022 ) that it was impossible to make a fraud claim. Upon asking for the law or regulation explaining how fraud was not possible just because of a prior transaction, the Citi representative hung up the phone. Citi reference ID : XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78739
Submitted Via: Web
Date Sent: 2023-02-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-19
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 tried to order a pool cover reel from a vender ( XXXX ), but the order was declined so I pressed the key again and was declined again. I thought nothing of it and looked at other sites. When I received my Citibank card bill I see that I have been charged twice for {$82.00}. I disputed the charges. I tried to contact the company but the phone # they list doesn't exist, also I have not received any product from them. I called Citibank and thought it was all taken care of. What is Citibank 's problem? When I contact Citibank all I get is somebody I can't understand from another country.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23322
Submitted Via: Web
Date Sent: 2023-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-19
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: I received a letter dated XX/XX/XXXX, from Bloomingdales that my account had been closed due to delinquencies. I called immediately and a charge of {$82.00} was 90 days past due. I never received the 3 bills as they were sent to an address from 4 years ago, but this letter was sent to my correct and current address. I immediately paid the bill and Bloomingdales took off the interest charges. They reported me to the credit bureaus and my impeccable credit of XXXX dropped to XXXX onXXXX with XXXX. I have written the ceo twice with no response and customer service says they have responded correctly. Why did they drop the interest, find my correct address after 3 months but blame me and ruin my credit? I have been a customer since XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 31410
Submitted Via: Web
Date Sent: 2023-02-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-19
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act this creditor has violated my rights. Under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late of any purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85353
Submitted Via: Web
Date Sent: 2023-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-20
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XX/XX/XXXX, I opened a Citibank XXXX XXXX account after receiving a bonus offer through my online banking account which I manage my credit card. The offer promised to pay a {$450.00} bonus if you met specific requirements, including maintaining a {$50000.00} balance and keeping the savings account and credit card open for the 90 days of the promotional period. I met all requirements to earn the {$450.00} bonus for this account, however, I never received the bonus. I called the Citibank customer service line on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and was told that I was eligible for the bonus and should have received it. The concern was reported as a dispute claim on XX/XX/XXXX. I was not allowed to contact the " dispute resolution department '' and they never contacted me, even though I was told they would. I was not allowed to escalate this situation, other than to let it be decided by the dispute department, even though I never spoke with anyone from the department. On XX/XX/XXXX, I was sent an alert through my online banking account stating I would not receive the bonus because the offer was not sent directly to me. This is not true. The offer was sent to me as a bonus promotion through my online account, which is how I signed up for the account. I also received a confirmation email on XX/XX/XXXX, congratulating me for being eligible for the bonus after my {$50000.00} deposit had cleared. I should have already received this bonus for being a loyal patron of Citibank and meeting all the requirements put forth by this promotion. Instead, I am being met with fraudulent accusations and deceptive offers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46033
Submitted Via: Web
Date Sent: 2023-02-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Please see identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all 3 credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30045
Submitted Via: Web
Date Sent: 2023-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-18
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I opened a CitiBank Accelerated Savings account via an online deposit of {$50000.00} on XX/XX/2023 in response to an email offer. I initiated withdrawals of {$10000.00} & {$5000.00} on XX/XX/XXXX & XXXX, respectively, in order to procure funds to cover costs that I would be needing to close on a home purchase that I had just made an offer on. Needing a few thousand more than what the online transaction would allow, I contacted the bank by phone on XX/XX/XXXX to see what could be done & was told that funds could be wired back to my bank account, but they needed the debit card number that was mailed to me, which I did not receive. I found out that it had been sent to the address of temporary rental where I'm living, instead of my mailing address, which I had already updated on the website for existing credit cards I have with CitiBank ( the postmaster said there's a " Vacant '' slip in the mailbox & any mail would be returned to sender ). The agent said a new card would be sent via XXXX to this address to arrive XX/XX/XXXX. In the meantime, I logged on to the website & made sure the mailing address was correct under the Savings account profile. On XX/XX/XXXX, having not seen a delivery by early afternoon, I called again to check the status of the card & the agent said the order got canceled & a fraud alert triggered by the address update. I was put through to someone on their fraud department with a strong Indian accent, whom I could barely understand, & requested to get the card issued again. When I asked to get a confirmation on the address it would be sent to, I was told that they can't tell me that & the conversation got heated, then the agent went silent. I logged on to CitiBank 's website a couple of hours later that afternoon to provide information to my loan underwriter that I had {$35000.00} remaining in this account & found out that I was locked out entirely, unable to view neither the savings nor credit card accounts. I called CitiBank twice through different support numbers with the exact same menu options before finally getting someone who said that there is a notification from the fraud department that my account is under closure & I will be getting a letter explaining why. I called in again on XX/XX/XXXX to try to get someone else who could assist with my lockout issue & spoke to a lady named XXXX ( speaking clear English ), who documented this same information & said she had to forward it on to someone else, as she could not undo the block on the account, & said I should hear back with two days. I didn't receive any reply as of XX/XX/XXXX, so I called the number XXXX provided me in case I needed to follow up. I spoke with a US agent ( XXXX ) initially regarding my credit card accounts & she said they were still showing active, even though I could not log in. She directed me to proceed as if setting up a new online user account & I was able to gain online access to see these credit card accounts again. Upon getting resolution with the Savings account, she said those are serviced " offshore, '' but put me in through another english-speaking agent ( XXXX ) XXXX I was on the phone with him while he had me holding several times, but ultimately he said that only the department that put the block on the account can remove it. He put me on through to another agent who was Indian from their accent, but still relatively understandable. After just a few minutes with this man & having been on the phone for two hours to get to this point, all he could tell me was my account is in closure & remaining funds will be paid back by check within 30 to 60 days ( confirmed the {$35000.00} amount that I knew I had remaining, as well as the mailing address ), & I should be receiving a letter of explaination as to why this week, since his information says it was dated XX/XX/XXXX. As of the date of this writing ( XX/XX/XXXX ), I have not received any communication whatsoever from CitiBank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MT
Zip: 59901
Submitted Via: Web
Date Sent: 2023-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A