Date Received: 2023-02-02
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Three fraudulent charges were added to our credit card statements starting on XXXX for a total of = {$610.00} and added interest of the disputed amount of {$18.00}. All attempts to resolve the issue have failed as of the XXXX statement.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 52246
Submitted Via: Web
Date Sent: 2023-03-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-02
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I called Citi bank to dispute a charge on my Costco/Citi bank card , which they canceled the charge then resent another card. Three days later I had another fraud charge on the new card ( which was never activated by myself ), I again called Citi bank who canceled my whole account instead of my card. Now they state they can't reopen my account, but also are refusing to issue my rewards that I have earned from last year. They claimed that since the account is closed, their terms state that the rewards are forfeited. The account was canceled in error by one of their employees and was never requested by myself. I have had the card for almost 10 years and have paid the card in full every month.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48073
Submitted Via: Web
Date Sent: 2023-02-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-02
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: On XXXX, XX/XX/2023, the balance on my checking account ( all pending transactions accounted for ) was about {$940.00}. In the afternoon on the same day, I used my debit card to make a purchase for {$45.00} at my local supermarket. When I checked my balance about an hour later, the balance on the checking account was about {$410.00}. Based on my basic math and arithmetic skills, a {$45.00} transaction can not bring down a balance by {$470.00}. I said to myself, let me give Citibank ( the bank I use for my checking account ) a few days to post this " invisible transaction '' that lowered my balance to {$470.00}. I called Citibank yesterday ( XX/XX/2023 ) 3 times ; the first 2 times the calls get mysteriously drop when I am explaining the situation to them. As of today, XX/XX/2023, the {$470.00} is still mysteriously gone from my account with no corresponding transaction. The money just vanished into thin air and Citibank can not provide an explanation as to why the money is missing. I have printed all recent statements and also printed a list of recent transactions to support my claim. Keep in mind that Citibank has a habit of " ghosting '' funds from my account prior to the statement closing date. They " take '' their bank fees at least 5 days before the statement closing date. Those funds would be missing from the account without any corresponding transaction. Monthly service fees range from $ XXXX, so I let all these small invisible transactions go away without filing a complaint. But this {$470.00} invisible transaction has made me miss my rent payment which was due yesterday. This is how Citibank treat XXXX who patronize their bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11226
Submitted Via: Web
Date Sent: 2023-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-02
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/22 {$330.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX CITI card CITI card called me my had hecked 3 times XX/XX/22 {$89.00} Then CITI resolved the issue and canceled the card. But the card was heacked on XX/XX/22 {$330.00} When I called CITI card, always they said everything has been fixed and I don't need to worry about it. But CITI card keep sending me a bill and this month late fee {$41.00} interrest {$8.00} added I talked over the phone 4 times. Always the CITI card say yes but no result. The last talk was XXXX XXXX, XX/XX/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: XXXXX
Submitted Via: Web
Date Sent: 2023-02-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-02
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/XXXX XXXX XXXX I received a phone call with caller ID from Citigroup. The representative told me that Citibank noticed some suspicious activities in my XXXX accounts. They have mentioned that they saw two transaction with {$500.00} and {$990.00}. I told them I did not authorize these transactions. The Citi rep then said he needs to transfer the call to XXXX to help. The call was transferred to a XXXX rep and he told me to set up payees name as XXXX then type in case ID XXXX then send {$500.00}. He said in this way, XXXX Supervisor will able to see the amount with case ID then reimburse me back. He asked me to do separate XXXX for the {$990.00} with {$390.00} and {$600.00} each. After I did that, he said he made a mistake and need to bring on his supervisor to fix. His supervisor asked me to send {$1400.00} which is XXXX. After that, he said it is over their daily limit and in order to get all money back, I need to split the payment into {$1600.00} and some other amounts. After I sent another {$1600.00}, I noticed all the money left my Citi accounts. I finally realize this may be a fraud. I called Citibank from another line and they told me this is a fraud while I was on the phone with XXXX. Citibank then started fraud investigation. On XX/XX/XXXX, Citi informed me that since I authorized these transactions, I need to contact the receipt to get money back. My understanding is such fraud is covered by Regulation E and I should get my money back except {$50.00}. Transaction Date Amount Transaction Type Transaction Description XX/XX/XXXX {$1600.00} XXXX XXXX XXXX ID XXXX XX/XX/XXXX {$1400.00} XXXX XXXX XXXX ID XXXX XX/XX/XXXX {$600.00} XXXX XXXX XXXX ID XXXX XXXXXX/XX/XXXX {$390.00} XXXX XXXX XXXX ID XXXX XX/XX/XXXX {$500.00} XXXX XXXX XXXX ID XXXX Please help me with this fraud. You can see Citibank 's responses in the attached PDF. Thanks
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 113XX
Submitted Via: Web
Date Sent: 2023-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-02
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I got a Citibank best buy credit card to make a computer purchase in XXXXXXXX XXXX XXXX Every month since, I am being over charged on interest. Purchase amount was {$2500.00} and I did not take the XXXX XXXX offer on interest free payments. XX/XX/XXXX, interest charged was XXXX payments made up to that date was XXXX an XXXX and XXXX payment. XXXX I was randomly charged XXXX and XXXX on XX/XX/XXXX and have been unable to dispute it unless I claim my card was stolen and get a new one. XX/XX/XXXX I paid XXXXXXXX XXXX XXXX XXXXXXXX of that was taken for interest. XX/XX/XXXX, I paid XXXX in which XXXX was taken for interest. XX/XX/XXXX, I paid XXXX in which XXXX was taken for interest. XX/XX/XXXX, I paid XXXX in which XXXX was taken for interest. Now XXXX is here and I have to be robbed by these fraudulent crooks again. I called in XXXX and XXXX and talked in detail about this issue. XXXX XXXX later and they have sent nothing in communications let alone tried fixing the overcharge of interest and the added charge oXXXX XXXX XXXX and change.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 136XX
Submitted Via: Web
Date Sent: 2023-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-01
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: there are two inquiries on my report that i never gave premission XXXX and XXXX plcc please remove these off of my report asap
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21207
Submitted Via: Web
Date Sent: 2023-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-01
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: Citi has repeatedly assured me that credit resulting from a fraud investigation will be issued, but has failed to apply the credit and layered additional incorrect charges on top of it. Fraudulent XXXX purchases totaling {$6900.00} on our Costco Anywhere Visa were detected by the Citi system XX/XX/XXXX. I immediately responded by disputing the charges and the card was closed. XXXX issued partial credits of {$5800.00} on XX/XX/XXXX and {$120.00} on XX/XX/XXXX. However, reverse charges issued by Citi on XX/XX/XXXX totaled {$8800.00}. The result is a difference of {$2800.00} between the credits and the reversed charges. Several of the XX/XX/XXXX reverse charges appear to have been applied incorrectly ; for example, there are three reverse charges of three different amounts all with the same ID. I spoke with Citi representatives in the Security Operations Department on XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, including two supervisors. I was told each time that some action was being taken sending it back to the original investigator, reopening it, doing an internal audit, and submitting a report were the various actions described. Each time I was told to call back in a few days to allow time for credits to appear. On XX/XX/XXXX an item simply called Credit appeared on my account that looked like progress. But it was incorrectly applied as a charge, not a credit ( and with a strange XX/XX/XXXX date ). Now the original difference of {$2800.00} plus this incorrect {$1800.00} charge need to be credited to the account, for a total of {$4600.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 440XX
Submitted Via: Web
Date Sent: 2023-02-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-01
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: I am a US citizen traveling in XXXX XXXX.On XX/XX/XXXX I arrived in XXXX XXXX. Airport taxis were waiting for passengers and I mentioned that I had not exchanged funds to their monetary system yet as I had just landed and they assured me that I could use my credit card for the taxi. Upon arriving at my XXXX the driver used a portable XXXX XXXX device for the transaction. It was approximately XXXX miles from the airport to my XXXX. I did not receive a receipt since it was a taxi and I assumed that was custom. The following day I noticed that the charge was for over {$600.00} USD. I reported it directly to my city credit card they said it had to post first and then I could dispute the charge. I was shocked to find out that I was responsible for that charge even though it is clearly fraudulent. I contacted XXXX XXXX, no response and unfortunately I do not speak XXXX so I have not gotten very far in my complaint. Sincerely XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-01
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened a Citi XXXX XXXX XXXX Account in XX/XX/XXXX. This was in response to an offer mailed to me by Citibank. The terms of the agreement were that if I deposited {$10000.00} and left it on deposit for 2 months after the month of the initial deposit, I would receive XXXX XXXX XXXX air miles. The terms also included a statement that Citi had 90 days to deposit this award and the funds must still be on deposit. XXXX ) I assumed the miles would be deposited in less than 90 days because prior awards with other banks, credit cards, have been much more prompt. I called during the 90 days and was told they had until XX/XX/XXXX to award the miles. This is bait and switch. In actuality the offer should state that you must keep your funds on deposit for at least 150 days or 5 months to receive the miles. XXXX ) I called on XX/XX/XXXX and was told the miles would be deposited in 5 - 7 working days. XXXX ) I called again on XXXX and was told, without fail, the miles would be deposited by XX/XX/XXXX. ( Now the funds have been on deposit for half a year without the miles promised. ) 4 ) It may be obvious but, to date, the miles have not been credited.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78703
Submitted Via: Web
Date Sent: 2023-02-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A