Date Received: 2023-01-18
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I previously reported a related occurrence whereby Citicards changed the monthly statement balance and caused an interest charge to be generated on my account, see ( XXXX ). Since inception, I have never paid an interest charge on my CitiCards. I always pay the FULL statement balance each month. I use the CitiCards web site to review and schedule the payment transferring the funds from my bank. Previous to last XXXX XXXX the CitiCards online statement and my PAPER statement have been identical. However in XXXX XXXX the online statement understated the amount shown on the paper statement ( which was received after my online payment ). When I paid the online FULL Balance online, CitiCards sends an email verifying that I had paid my balance in FULL with No Balance Due. However, on the next monthly statement, the remaining difference between the paper statement and the online statement would be shown as carried forward and would result in an Interest charge. Subsequent to this event I now specifically compare the paper monthly statement balance ( that I receive a week after the email notice of statement availability ) to the online statement balance to assure that they are identical. CitiCards has again changed the balance of my monthly statement which would have caused an underpayment of the full statement balance. In XX/XX/XXXX, I received an email notice that my XXXX ( XXXX ) monthly statement was available. I subsequently signed into my online account and scheduled the payment of the FULL ( online ) statement balance of {$3200.00}. About a week later I received a mailed ( paper ) CitiCards statement with a balance due of {$3200.00}. Obviously there is a {$11.00} difference which would have resulted in an underpayment of the monthly statement- and the generation of an interest charge ( which previously occurred in XXXX ). I again signed onto my online CitiCards account and again verified that the online FULL balance was as previously stated ( {$3200.00} ). I amended the scheduled payment amount by submitting a " Custom '' payment amount for {$3200.00}. The different statement amounts in this case seems to be a statement credit that appeared on my online statement but did not appear on my " paper '' mailed statement. CitiCards obviously controls both the online and mailed statements so the fact that they issue statements with two different balances is baffling. Furthermore the fact that CitiCards would have charged me interest on an amount that was in fact " My '' money ( a credit ) is even more concerning.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78681
Submitted Via: Web
Date Sent: 2023-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-18
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I along with our attorney have tried to resolve a matter on ur credit report. We have sent letters to Macy 's & Citi Bank and keep getting the run around for a balance that's reported as a charge off for {$1400.00}. Every time we call each department transfers to someone working in another country and you can not get any information. The last letter we received from Macy 's stated they can not discuss this matter. We have also received a letter stating they are not collecting on the said amount. They said this account is past the statute of limitations. Of this debt is reporting why can we not get something official and they fully remove this account? We haven't been able to make any progress or get any accountability which isn't fair to continually be able to report something on our credit that we can not get a legal response to our attorney from them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37075
Submitted Via: Web
Date Sent: 2023-01-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-18
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: On the morning of XX/XX/2023, I applied for a Citi Bank AAdvantage Platinum Select card to purchase my upcoming flight in XXXX. I was immediately approved, and as I clicked " continue '' to access the next page, which would have my temporary card information to use to purchase my flight, the website stopped working- on Citi Bank 's end - and had a line about not accessing the page. I couldn't reload or access the page again in any way. I did receive an email confirming my approval and my credit limit and that the card would be at my house in 7-10 business days. But no information about the temporary number. I asked for help on the online site, and they pointed me to customer service via the phone. I called and asked for help with getting access to the credit card information to purchase this flight, and was bounced around to three different people, none of which could help. I asked again online, and was given a different number for help, and I was lead to another person who told me that the temporary credit card information could not be seen on their end. I have 24 hours to purchase my flights. I have no credit card information for a card I applied for solely to purchase the flight based on their advertising. I am extremely upset and inconvenienced by this. I hope that I can continue to reserve/hold the flights, but the amount of the tickets will likely rise each day. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I do not know if I this is a direct violation, however I don't think Citi Bank should benefit on this deceptive practice. It was advertised that I would be able to buy the flight for {$200.00} less ( with the statement credit I would receive with getting the Citi Bank AAdvantage card ), however now I will not get that statement credit since I can not use the card to purchase those exact tickets. I WOULD NOT have applied for the card if I couldn't use it that same day to purchase my flight.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ME
Zip: 041XX
Submitted Via: Web
Date Sent: 2023-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-18
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: The Citi Bank credit card in question was closed and paid in full with XXXX balance as of XX/XX/2022. No other activity had occurred from me. The card keep auto attempting to chard a payment to my Check account with XXXX XXXX XXXX. My Bank representative filed a fraud complaint and it stopped until recently. They contacted me that I have an outstanding balance because they credited my check account by {$150.00}. They did not credit my back account nd there has been XXXX activity. I have call 5 different representatives over the phone and explained there is no active account and any claims for charges are fraudulent. They will not stop and I need you to avail your assistance. I have a letter from the XXXX XXXX XXXX representative who can verify that their claims are false and no activity from Citi Card with my checking account has accured since the account was closed XX/XX/2022.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34209
Submitted Via: Web
Date Sent: 2023-01-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I was a victim of identity theft my phone number, cards social security number and other things was solid to someone on the dark web and I was a victim of security breach with reporting agency. I filed a report with the federal trade commission and let the credit bureaus and credit card company CBNA know and attached the report to my dispute. all but XXXX has not removed the cbna account from my report. I filed disputes attaching the FTC identity theft report and still its not been removed from XXXX
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: 2023-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-18
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I'm a senior citizen over XXXX XXXX XXXX, I apply for a mortgage loan from Citi Bank they hold on to my loan application for more than 65 days, and on the top of that they force me to get an appraisal and insurance for the house that I suppose to purchase, before close the deal or pre approve letter, they made me loose {$950.00} for nothing and after all this wait they denied my loan base on lies and misinformation, I try to solve this issue with the company but I was not successful because I was dealing with a person by the name XXXX XXXX, he refuse to understand that Citi bank employees made a big mistake, when they force me to pay all this money without any pre approval letter and he blame me for their mistakes, Every bank will give you a pre approve or denial letter within a few days after you summit your taxes for the past two years then they will ask you to start spending money on appraisal and insurance and so on but not in my case. I lost {$950.00} for their stupid mistakes I would need your help to get my money back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 628XX
Submitted Via: Web
Date Sent: 2023-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-18
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: XX/XX/XXXX Purchase was made. Product was never shipped or received. Order was canceled in XX/XX/XXXX. Have email to support. XX/XX/XXXX that product is being charged against my checking acct again. Unable to reach any representatives that know how to fix the problem. also they do not know how to set up a fraud complaint. I have {$1100.00} being taken from my checking acct without authorization.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92804
Submitted Via: Web
Date Sent: 2023-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-18
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: The Citi Bank credit card in question was closed and paid in full with XXXX balance as of XX/XX/2022. No other activity had occurred from me. The card keep auto attempting to chard a payment to my Check account with XXXX XXXX XXXX. My Bank representative filed a fraud complaint and it stopped until recently. They contacted me that I have an outstanding balance because they credited my check account by {$150.00}. They did not credit my back account nd there has been XXXX activity. I have call 5 different representatives over the phone and explained there is no active account and any claims for charges are fraudulent. They will not stop and I need you to avail your assistance. I have a letter from the XXXX XXXXXXXX XXXX representative who can verify that their claims are false and no activity from Citi Card with my checking account has accured since the account was closed XX/XX/2022.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34209
Submitted Via: Web
Date Sent: 2023-01-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-18
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Citibank-Bestbuy is not allowing me to apply payments to the balances with higher interest rates. The company applied my payment of {$300.00} to promotional balances with 0 % due to expire on XXXX XXXX, XXXX versus the revolving balance with 25.24 % interest due to start charging on XXXX XXXX, XXXX. I called the company on XX/XX/XXXX at XXXX XXXX and spoke with XXXX and asked that my {$300.00} payment above the minimum due be applied to the revolving amount so as not to incur interest charges that are set to start on XX/XX/XXXX. I told them I was aware of my promotional balance offer due to expire on XX/XX/XXXX and would be paying that balance off prior to the date since I still had several weeks. They refused to apply the amount to the revolving and said that any additional amounts sent in would be applied first to the expiring balance before the revolving balance. Those actions by the company forces me to pay off my promotional 0 % interest balance weeks before it is set to expire to have any additional payments be applied to my revolving 25.24 % interst balance. The company will be charging me interest beginning on XX/XX/XXXX on my revolving balance and still be applying my payments to the promotional balance that is still in effect till XX/XX/XXXX. To avoid interest charged on my revolving account, I have to first pay over {$1000.00} to apply towatds my promotional balance before XX/XX/XXXX and then pay the nearly {$300.00} of the revolving balance. My revolving balance is near {$300.00} and that is set to incur interest on XX/XX/XXXX yet I will have to pay near {$1300.00} by XX/XX/XXXX in order for that revolving not to incur interest. This will also force me to pay off my promotion balance by XX/XX/XXXX when that is not due till XX/XX/XXXX, nearly three additional weeks.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75240
Submitted Via: Web
Date Sent: 2023-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-18
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: On XX/XX/XXXX I visited Home Depot in my local area to open a credit card and make a purchase for an outside kitchen project. Among other things, the single purchase included XXXX kitchen aid grill, one kitchen refrigerator, one kitchen sink, and outside kitchen doors. I was approved for a $ XXXX credit line after application and I attempted to make the purchase of the items for {$2700.00}. The entire process was handled by Home Depot customer service. This is when the problems started. During the 2-3 hr transaction while at the store customer service counter, I was contacted by the fraud department on my phone. They were concerned that someone was trying to charge {$2700.00} seventeen times on my card. I was told that two were processed, which sent my card balance over the limit. I informed the fraud rep that the Home Depot customer service rep is trying to process the transaction right at that moment and probably did it. To shorten this situation, neither the online reps nor the store could resolve the issue nor print a receipt, so I left the store without any merchandise near closing after hours. Since I was not able to process the order, i waited a week or so until the problem was cleared from my credit card and I then went to a Home Depot closer to my home and made the same order. About an hour after the transaction, after i had left the store, I got a call saying the grill i purchased that they thought they had in store-they actually don't and the rep was going to cancel the grill off the order and then ask me to order it online. I did that, and i thought everything was good until i received the grill but kept getting notices for other grills ( same one ) in route to ship to me. After checking my credit account, I learned that i am being charged for a total of three grills. I also received a couple other duplicate items. This entire process has been one of the worst experiences i've ever had and I intend to payoff this card quickly and never apply again once my account is fixed. Note : recently the grill i did receive was faulty and had to be returned and i had to purchase another grill.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33579
Submitted Via: Web
Date Sent: 2023-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A