Date Received: 2024-01-31
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/2023 I made two purchases from XXXX XXXX ( XXXX ) totaling {$10000.00} on two vintage time pieces. The promised delivery dates came and went and after waiting two months I cancelled the order and requested a refund per the vendors policy stated on their site. The vendor apologized and stated a refund would be processed within days. After a week I received a refund confirmation e-mail stating a refund was processed but nothing hit the credit card. I called CitiBank and they confirmed, no refunds from the vendor had been sent. I followed up with the vendor who apologized and stated it was an issue with their accounting team. I went back and forth with the vendor for another two months and reached out to my credit card company for advice. They suggested I dispute the transaction so they could investigate. I did this and waited the required time. After the vendor responded CitiBank closed the case and reversed the charge back to me. They have not been able to provide information on what the response from the vendor was. They are doing a follow-up on my case but have not been very good with follow-up. I provided 16 pages of e-mails with the vendor to CitiBank as part of the dispute. I feel none of this was reviewed as CitiBank would have clearly seen the company had promised a refund and no product was ever shipped. Even the order number shows as cancelled on the vendors website. I am seeking assistance with CitiBank as no refund has been received and no product received yet I was still charged the $ XXXX on my credit card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 370XX
Submitted Via: Web
Date Sent: 2024-01-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-01
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: In early XXXX, maybe around the XXXX or XXXX, I received a new credit card from the Home Depot in the mail. I thought it odd I got a new card. Upon further inspection, I noticed that the new card had a different account number than my original card. I went online to check my account and noticed new charges that I did not make. I disputed the charges online. Then more charges occurred so I reached out by phone to discuss the issue with Home Depot customer support. After talking with one of their security representatives, I found out that charges had been made on my actual account and disputed those. Additionally, this new account had been opened in my name without my knowledge and was being charged as well. I was told that the accounts would both be closed and investigated. The charges on my original account were reversed. However, on XX/XX/XXXX, I received a letter from Home Depot saying that the new account was determined to be my responsibility and I would need to pay those charges. I intend to file an appeal. I have frozen my credit and placed a fraud alert for one year on my credit as well. I also filed a police report about the suspected Identity Theft. However, I read that I should file a report with CFPB, especially now that Home Depot is attempting to hold me responsible for a credit card account that they allowed to be opened fraudulently using my personal information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60123
Submitted Via: Web
Date Sent: 2024-02-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-01
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: XXXX provided a copy of my credit report to multiple companies without my authorization : -CBNA on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX As such XXXX it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33186
Submitted Via: Web
Date Sent: 2024-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-01
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: I've been having a Citi credit card for years. A little over a year ago my card had a fraud alert that someone tried to use my card. I am single and l and NEVER give me card to anyone to use. I called Citi and they had to issue me a new card. I asked them to expedite the shipment of the new card and they did. On XX/XX/year>, I had a fraud alert on my new card of only a year. I called Citi and they are going to issue me a new card. I asked them to expedite the shipment of the card as I use this card for everything. I use it to pay my bills, gas, groceries, doctor appts, etc. I rarely use my card to make purchases online!!! NOT SURE HOW THESE FRAUDS ARE OCCURING. The rep says she tried but was having trouble. Today, XX/XX/year>, I go online to my account, and it has NOT shipped yet, so I called customer service again to see if I could get it expedited. I was told " NO, they don't do that anymore. I have to wait 7 to 10 business days for it to be mailed to me. As a long-standing customer with excellent payment history, Citi would not accommodate me. This is very frustrating as I, the customer, is the one who is being penalized for someone trying to use my card. I now have to go to the bank and draw out cash to make my purchases. These credit card companies need to find a better way to get a credit card to an existing customer without this long wait. They also need a better system to protect customers from this kind of fraud taking place. In today 's technology, you would think they would be something safer to use. The card has this XXXX digit code on the back that is supposed to be for that, however, NOT all merchants when ordering online ask for this. Charges to a credit card should require a pin or a fingerprint or something unique to the card holder in order for a purchase to be allowed on anyone 's credit card. I am truly frustrated that I am a victim of this, yet I am the one who suffers the most. I will start searching online for another credit card company that I may have to switch to since this is the type of service Citi is providing to it's customers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 705XX
Submitted Via: Web
Date Sent: 2024-02-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-01
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: Since XXXX XXXX I started using the CITY credit card, the initial interest was 22.99 %, at the present moment I realize that the interest is 29.99 %. I have been making my payments on time every single month without fail. I have called the company several times inquiring about an answer, even though I did not receive any notification from them 45 days before every time they raise the interest.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33183
Submitted Via: Web
Date Sent: 2024-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-01
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: For 2 Accounts, THD/CBNA ( Home Depot Credit Card XXXX Account # XXXX the report my payment late for XX/XX/2023 to the credit bueru
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78653
Submitted Via: Web
Date Sent: 2024-02-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-01
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: Citi has one of the worst account opening systems I have ever experienced. THEY DO NOT LET YOU ACCESS YOUR NEW ACCOUNT AFTER OPENING IT. You open the account online, fund it, then click the button to link it to your existing profile with your credit card. It will NOT allow you to do so. There is no way to utilize the account until after you receive the debit card weeks later because you can not access ANY FEATURES OF THE ACCOUNT OR ANY FUNDS YOU HAVE PLACED IN THE ACCOUNT AT ALL, THEY SIMPLY HOLD EVERYTHING FOR WEEKS ON END WITH NO RECOURSE. If you call the call center they will tell you there is nothing they can do, a supervisor ADVISED ME TO CLOSE MY ACCOUNT and told me there was NO WAY TO GET HELP AND THEY HAD NO KNOWLEDGE OF IF THERE WERE BRANCHES, USELESS! Citi is an absolutely disgusting bank that is seemingly opening shell accounts like XXXX XXXX! Watch your identity!
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: 2024-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-01
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I opened a credit card on XXXX XXXX store. The statement and the card got to my after the due date but nevertheless I paid for the products I purchased. However, the company charged me late fees. I told them that it was not my fault receiving the statement after the due date and requested to cancel the credit card and wave the late fees. Company did not cancel credit card and it has been charging late fees and interest that now amount to {$190.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28226
Submitted Via: Web
Date Sent: 2024-02-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-01
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Unauthorized cash withdrawals from my Citibank savings account occurred on XX/XX/2023. There were two fraud withdrawals : first of {$1000.00} from ATM and second of {$5000.00} from bank teller all in cash. After the first withdrawal of {$1000.00}, I immediately went to a branch and notified a banker at the branch. While I was physically present in the branch and talking to a banker, the second fraud withdrawal of {$5000.00} was done at another branch. The savings account was immediately blocked and the transaction was disputed. I also filed a police report at a local police station. However, Citibank has denied my dispute of the {$5000.00} fraud transaction twice on the grounds that it was not fraud. Citibank has the video evidences of me physically present in the branch and of the person impersonating me and committing the fraud at another branch. I have also provided Citibank with the name and information of the banker who was with me while the second fraud of {$5000.00} happened. Citibank has enough information to prove this is an unauthorized transaction but is refusing their responsibility to investigate the fraud case fully and to refund me the lost amount of money due to this fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11373
Submitted Via: Web
Date Sent: 2024-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-31
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Went on XXXX XXXX on XX/XX/XXXX had a XXXX XXXX. XXXX balance had a XXXX XXXX. XX/XX/XXXX had a balance of {$350.00}. XX/XX/XXXX balance of {$11.00}. XX/XX/XXXX balance of {$11.00}. XX/XX/XXXX balance of {$40.00} ( {$11.00} plus {$29.00} late fee ). XXXX XXXX contacted me on XX/XX/XXXX regarding a pass due report on their report Contacted Citi Bank and they stated the balance is {$140.00}. ( {$11.00}, plus 2 late fees of {$29.00} each, and a S/O charge fee of {$80.00} ). Request on why they did not contact me by phone or email due to me being XXXX? stated they sent mail and that the XXXX fee is a payroll deduction fee insert after 90 days. Stated they would remove one late fee of {$29.00} if i paid off balance. I paid {$120.00} on XX/XX/XXXX, CITI bank credited my account of {$29.00} to now have a XXXX balance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27712
Submitted Via: Web
Date Sent: 2024-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A