Date Received: 2024-01-29
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: Best buy has a technical support team that I paid to fix the computers. ( many ) from them and the technician kept downloading webroot and all kinds of protection that never worked for me. Someone ( unknown user ) kept asking for my password so I locked him out on my 2 week old ( my baby ) XXXX '' XXXX laptop after 2 weeks so the ( unknown ) destroyed my operating system and Best buy from California customer care was looking for someone else to pay me back and I never got a dime only a new computer after new laptop with same problem. I brought best buys technician my first computer and he said what's the motherboard password I told him he said nope that's not it I told him I never made a motherboard password so he sent me away with it and told me he couldn't do anything I need to buy a new one. I looked in XXXX and learned to take out the battery and I fixed it myself. I also signed contract for a XXXX XXXX phone but their employee locked it in the safe and I got a big bill and XXXX XXXX XXXX didn't believe me so I spoke to the president of XXXX XXXX XXXX and he was wonderful and fixed it but I never got the phone. I had went to court about this and have proof and they have been harassing me for years and years with phone calls and this credit stuff. Please help
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02150
Submitted Via: Web
Date Sent: 2024-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-29
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: The credit limit was lowered with no notice to myself. I found out when the auto pay was declined at one of my childrens activities. I called and spoke with them about this situation and was told another letter would be sent. I have been a customer for over 30 years and when I asked to speak to a supervisor I was told that there are none they dont speak with customers they just supervise. The biggest issue is they lowered my credit line to where no Im utilizing 97 % of my credit whereas before it was only about 15 % utilization. Can some pleas assist.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 088XX
Submitted Via: Web
Date Sent: 2024-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-29
Issue: Money was not available when promised
Subissue:
Consumer Complaint: On the morning of XX/XX/24, we tried to have money wired from Citibank to an attorney 's office for closing on a house. Why had originally planned to use another institution for this, due to Citibank 's reputation, however the night before, without notification, Citibank chose to invalidate a check to our other bank, hours before it would have cleared, despite having had six days to process it. No explanation was ever given as to why Citibank clawed back these funds from our other bank account. The amount of money we needed to transfer was in excess of the {$50000.00} wire limit and when we called to try to bypass this limit we were told that the only way to do so would be to upgrade our account to one with a higher minimum balance requirement. We were, however, assured that the transfer would be completed by XXXX XXXX that day if we did so. This is still an excessive amount of time for a wire transfer, considering that just that morning XXXX XXXX had been able to do a wire in under an hour. When we subsequently called to try to check on the status of the transfer, we were told that it would take " four to eight hours '' ( later we were told 24-48 hours, which is probably what was meant originally, but the call center in XXXX had XXXX call quality ) and there was no way to speed this up whatsoever. We were given no explanation as to why an alternative timeline way given. Upon escalating the call we were told they would prioritize our transfer but still given the same timeline and no explanation as to why the timeline had changed. The Citibank representatives suggested we could use a check, XXXX, or ACH transfer to move the money sooner, which is not how closing on a house works in the US, though I do have sympathy as the laws and customs are likely different in XXXX, where the representatives live. We are writing this more than 24 business hours later ( plus a weekend ) and the prioritization seems to likely have been a lie as the funds are still in the " pending '' stage, apparently not having even begun processing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30022
Submitted Via: Web
Date Sent: 2024-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-29
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: After filing a complaint with the consumer protection division, Citibank has decided to add a disputed hit to my credit profile with their account that is paid off as agreed. I did not dispute this account rather the way my account was closed against the fcra was disputed and has resulted in retaliation by Citibank
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33021
Submitted Via: Web
Date Sent: 2024-01-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-29
Issue: Fraud or scam
Subissue:
Consumer Complaint: Between XX/XX/XXXX and XX/XX/2024, fraudsters contacted me via Citibanks 's legitimate alerts thread telling me fraudulent activity had been detected on my debit card and that I should be expecting a call. I should press 1 for yes 2 for NO, just like the bank has legitimately asked me to do in the past with no issues. I spoke to a woman named XXXX and she told me that three illegal payments of XXXX dollars were scheduled out of my account via XXXX -- the XXXX XXXX XXXX endorsed and used by the bank on its site and mobile app. She talked me through how to stop the payments from going out but it turned out that I was being groomed to in fact remove the money from my account via XXXX She pretended I was refunding myself. on XX/XX/XXXX I was alerted again that another amount of XXXX dollars was attempted to be debited from my account but this time it was real and when I asked how much money I had in my checking and savings it was XXXX dollars. My account was cleaned out. Citibank says it is investigating and i have filed an official police report under XXXX. However, though the bank has recouped about XXXX dollars of fraudulent debits, they have yet to refund the XXXX that was taken via these fraudulent XXXX transfers and refuse to assure me they will. My account is frozen.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06820
Submitted Via: Web
Date Sent: 2024-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-29
Issue: Closing an account
Subissue: Fees charged for closing account
Consumer Complaint: About a week before my Citibank CD matured on XX/XX/XXXX, I called Citibank to give instruction on what to do with the CD at maturity as I was leaving for an international trip on XX/XX/XXXX, so it would be difficult to call that day. The agent that I spoke to told me that I needed to call on XX/XX/XXXX with the instruction and that she could not do anything in advance as that would trigger an early close out penalty fee. I repeated that I did not want to close the CD on the present day and that I only wanted to leave instruction on what to do at maturity as I did not want it to automatically renew. She insisted that I would need to call on the day of maturity to give instructions. I had also tried to find a way to complete this request on the Citi App but was unable to do so even though I used the Citi Live Chat for assistance. On XX/XX/XXXX, I called Citibank and spoke with an agent relaying specific instructions to close the 12 month, CD account that was maturing that day and to use the funds to open another CD with an 11 month term and a 5.25 % APY ( similar to another CD that I had recently opened ). I relayed that I was leaving for an international trip that day and would be out of country for XXXX weeks. When I returned from my trip, I logged on to my Citi App and saw that the CD had just automatically renewed at the same term of 12 months and 4 % APY. I was so upset because I had wasted so much time with 2 previous phone calls and they still did not do what I explicitly requested. I called for a 3rd time on XX/XX/XXXX and relayed to an agent what had occurred. I wanted my CD closed since it was the wrong product ( wrong term and wrong APY ) and I was so frustrated with their mistake and their refusal to correct it. They said that I would automatically be charged the early withdrawal penalty and there was nothing that they could do about it. I received my CD account closeout check for {$14000.00} on XX/XX/XXXX, although the account was funded with {$15000.00}. I called Citibank for a 4th time on XX/XX/XXXX to resolve this problem. I again requested a refund of the entire amount of the early withdrawal penalty as the CD was set up incorrectly despite my explicit instructions : I did not want the CD renewed. I had wanted a new CD opened with a different term and APY. I tried numerous times messaging them via their online chat since all the agents that I spoke to on the phone calls were unable to help me. There was no email or secure message avenue to contact them which I found even more frustrating as the phone calls were a dead end. I have attached Citibank 's email response that I received today on XX/XX/XXXX again refusing the refund of the early withdrawal penalty of {$100.00}. Thank you for your time and consideration.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: HI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-29
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: inquires on my credit report that i knew nothing about XXXX thd/cbna XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX says its on file till XXXX of XXXX could not reach anyone at this number inquired XX/XX/XXXX XXXX.citibank na best buy XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX phone XXXX XXXX XXXX says on file till XX/XX/XXXX says mail only for contact inquired XX/XX/XXXX XXXX cards cbna XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX phone XXXX XXXX XXXX no answer could not get ahold of anyone. inquired on XX/XX/XXXX I did not contact or apply nor want any credit or credit cards from these people they showed up on my credit report as inquires and have affected my credit score I did not authorize any of this ... .....
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98027
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: 2024-01-29
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: inquires on my credit report that i knew nothing about 1. thd/cbna XXXX XXXX XXXX XXXX XXXX sd XXXX # XXXX XXXX XXXX says its on file till XXXX of XXXX could not reach anyone at this number inquired XX/XX/XXXX 2.citibank na best buy XXXX XXXX XXXX XXXX XXXX sd XXXX phone XXXX XXXX XXXX says on file till XX/XX/XXXX says mail only for contact inquired XX/XX/XXXX 3.citi cards cbna XXXX XXXX XXXX XXXX XXXX sd XXXX phone XXXX XXXX XXXX no answer could not get ahold of anyone. inquired on XX/XX/XXXX I did not contact or apply nor want any credit or credit cards from these people they showed up on my credit report as inquires and have affected my credit score I did not authorize any of this ... .....
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98027
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: 2024-01-29
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: CitiCards CBNA : Account XXXX. is XXXX ( {$7500.00} ) has violated my rights but allowing a criminal to open this account in my name & ruin my credit & charge up fees. Please cancel this card & delete it from my files. I have a police report & FTC report attached to this complaint. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27526
Submitted Via: Web
Date Sent: 2024-01-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-29
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: inquires on my credit report that i knew nothing about XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX says its on file till XXXX XXXX XXXX could not reach anyone at this number inquired XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX says on file till XX/XX/XXXX says mail only for contact inquired XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX no answer could not get ahold of anyone. inquired on XX/XX/XXXX I did not contact or apply nor want any credit or credit cards from these people they showed up on my credit report as inquires and have affected my credit score I did not authorize any of this ... .....
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98027
Submitted Via: Web
Date Sent: 2024-01-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A