Date Received: 2023-02-18
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: I have reached out to Citibank credit card customer service to reduce the APR for purchases regarding my account, but have been unable to do so. I have been a client with them for over XXXX years, never missed a payment due date and have a good credit record background. I believe the APR percentage of 28.49 % is too high for the account. And it should be taken into consideration having it reduced.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90002
Submitted Via: Web
Date Sent: 2023-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-18
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: On XX/XX/XXXX, I opened a Citibank XXXX account online by transferring funds ( $ XXXX ) from my XXXX XXXX XXXX account. I opened this account due to a promotional mailer received from Citibank, offering a higher rate and a {$400.00} bonus for $ XXXX in new funds payable within 90 days from account funding. On XX/XX/XXXX, I decided to transfer another $ XXXX between the same accounts ( from my XXXX XXXX Savings to my Citibank XXXX account opened XX/XX/XXXX ) ; when I went online to verify the transfer the next day, I saw that the $ XXXX was debited from my XXXX XXXX account, but my Citibank XXXX account no longer appeared on their Online Banking, it was missing completely ; so instead of seeing what should have been $ XXXX balance plus accrued interest, my account was nowhere to be seen. I called Citibank XX/XX/XXXX AM and, after being transferred several times, I was finally told that my Savings account was closed for fraudulent activity, that I would receive a letter explaining why in 10-14 days and that my funds would be mailed to me by check in 30-60 days! No reason was given when I asked repeatedly, and my request to speak to a supervisor was denied and never subsequently honored. I asked about the {$400.00} promotional bonus due to me by XX/XX/XXXX ( 90 days from account opening ), and the lost interest for the next XXXX days. I also asked why this transfer was deemed fraudulent when it mirrored identical the transfer made in funding the account back on XX/XX/XXXX ; no answers were given. I am partially retired and heavily dependent on these funds and interest earnings for my and my wife 's retirement, and Citibank did not even have the decency of confirming that they possess my missing $ XXXX transfer from XXXX XXXX. I have asked XXXX XXXX to investigate this matter, but in the meantime my Citibank XXXX account is not viewable or accessible to me due to alleged fraud, which I believe they have done to deny me the {$400.00} bonus and interest earnings, and the XX/XX/XXXX deposit entailed the exact same accounts as the XX/XX/XXXX initial account funding. Help me please! I am missing {$120000.00} that Citibank will not even confirm that it has, insisting that I wait XXXX to receive my funds my mailed check when I did nothing wrong whatsoever. Thank you .....
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 199XX
Submitted Via: Web
Date Sent: 2023-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-18
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Citibank closed all my credit card accounts. They sent a letter stating that my activity was inconsistent with normal behavior. I have no idea what that means and they had no right to close all 4 of my accounts, both business and personal.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 272XX
Submitted Via: Web
Date Sent: 2023-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-18
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: company refuses to permanently reverse reported fraud charges even though informed fraud accounts opened under name and identity theft report completed
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60624
Submitted Via: Web
Date Sent: 2023-02-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-18
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: 3rd time this company has charged me a fee after I had already paid the card off in full before the next billing cycle. Granted it wasn't before the first billing cycle after I bought the item, but I pay off the card in full. I owe 0 before the next billing cycle and they charge me a fee. They have done this to me 3 times now. I paid the {$2.00} once. The other 2 times I had to fight it and they were " Oh so generous and waved the fee ''. This is the only company that does this, repeatedly. It's a Macy 's credit card. First was store only, this time it's a Macy 's Amex card. I had paid it off on XX/XX/XXXX in full and today I got a bill for {$2.00} and spoke to me telling me because I hadn't paid it off in full. This is frivolous charges, and the only company out of several that has ever done this. Other companies don't charge anything as long as you pay the bill in full before the next billing cycle. Then they lie and say " well it's because we don't charge interest in advance ''. No one does, you only start charging after the first billing cycle and once it's paid in full... quit charging. Not them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75088
Submitted Via: Web
Date Sent: 2023-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-18
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I completed this XXXX and outdated verification portion when I opened my account and have had no issues since then up until yesterday at my mechanic. I attempted to pay for services and the transaction declined. Now Citi is telling me to wait 7-10 days AGAIN to verify myself after never changing my phone number. That costs me another {$1000.00} in fees to pick up my car!!!!!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 603XX
Submitted Via: Web
Date Sent: 2023-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-18
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: IN XX/XX/2022, I PURCHASED ON LINE A GRILL. ( XX/XX/2022 ). I RECIEVED THE WRONG GRILL, IT WAS NATURAL GAS. AMOUNT FOR THIS GRILL WAS {$380.00}. IT WAS RETURENED VIA XXXX ON OR ABOUT XX/XX/2022 ALONG WITH OTHER ITEMS THAT WHERE PURCHASED WITH SAID GRILL. ( GRILL COVER $ XXXXGRILL DRIP PANS {$10.00} ) THE CHARGE FOR THIS GRILL {$390.00} HAS BEEN CREDITED BACK TO MY ACCOUNT ON XX/XX/2022. I MADE A PURCHASE OF A PROPANE GRILL ON XX/XX/2022. I WAS " CHARGED '' TWICE FOR THIS GRILL. I RECIEVED ONE ( 1 ) PROPANE GRILL {$390.00}. IT WAS RECIEVED WITH THE BOX DAMAGED AND RIPPED. I NEVER OPENED IT AND ASKED FOR XXXX TO COME PICK IT UP WITH THEY DID. I RECIEVED A CREDIT FOR THE GRILL IN THE AMOUNT OF {$390.00} ON XX/XX/2022. IT HAVE NOT BEEN CREDITED FOR THE DUPLICATED PROPANE GRILL. WHEN I SPOKE TO HOME DEPOT I WAS TOLD IT WAS A DULICATED ORDER AND ONE ( 1 ) PROPANE GRILL WAS SHIPPED AND THE OTHER WAS CANCELLED. HOWEVER, I AM STILL TO THIS DAY BEING BILLED FOR A GRILL THAT WAS CANCELLED AND NEVER RECIEVED. I HAVE SEND NUMEROUS LETTERS BOTH VIA CERTIFIED MAIL AND REGULAR MAIL AS WELL AS, MAKING NUMEROUS TELEPHONE CALLS. IN ADDITION TO BEING BILLED IN CORRECTLY I AM ALSO BEING CHARGED FOR INTEREST. NOW THAT I HAVE NOT BEEN USING MY CREDIT CARD AND THE ONLY BALANCE SHOWEN IS MY DISPUTE CHARGE, I REFUSE TO PAY ANYTHING. I WILL FURTHER FOLLOW UP BECAUSE I DO NOT KNOW IF I WILL BE CHARGED ANY LATE FEES OR ADDITIONAL FINANCE CHARGES.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-18
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: After a frustrating phone call with a Macy 's customer service representative, I am submitting this complaint as precursor to a legal resolution against Macy 's credit card services. On XXXX XXXX, I requested a reduction in my Macy 's credit card interest rate which is currently at 30.99 %. The request was due to my call to XXXX XXXX as a XXXX XXXX XXXXe solider. The debt and high interest rate is negatively impacting my ability to do my job as leader in the XXXX XXXX. I have federal legal protections under the service member 's civil relief act ( SCRA ) that require lenders to lower the interest rate of a service member 's debt they aquired prior to their XXXX XXXX period. My request for an interest rate reduction under XXXX was denied by Macy 's. Further, Macy 's does not have an option to submit a request for SCRA protection as most lender do. They require customers to speak to foreign service representatives that may pose a fiancial security risk to actively serving members of the armed forces and who make simple transactions difficult due to their poor understanding and use of XXXX. I have limited time to handle finacial matters because of my XXXX XXXX status and would like this matter to be ajudicated as soon as possible.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90012
Submitted Via: Web
Date Sent: 2023-02-18
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: I went to Best Buy to purchase a laptop and the lady that was helping me offered me 10 % off if I sign up for their loyalty program. I asked her if it was a credit card and she said no. I agreed to join their loyalty program with the understanding it was not a credit card. Halfway through the sign up process it asked me for my social security and I asked her if they were running a credit check and she said no it was just for companys information. It wasnt until later on when I realized that I did not get the discount. A couple weeks later I got a letter from the mail letting me know I was denied for a credit card from Best Buy. They lied to me and ran my credit report without my consent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 52302
Submitted Via: Web
Date Sent: 2023-02-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-17
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: False and misleading, denial of Credit Title 15 1611 On XX/XX/2013 at XXXX I submitted my information for a line of credit with Citi Bank. After submitting my information, the application was denied. I received Notice from my Credit report that Citi Bank in fact pulled my Report. I tried contacting the Underwriter, and was unsuccessful
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 482XX
Submitted Via: Web
Date Sent: 2023-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A