Date Received: 2023-01-10
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: I was contacted regarding fraud charges on my account by the fraud detection department. I responded the charges were fraud. Followed by two phone calls verifying that my two citi credit cards both had fraud on them. I notified them that the charges were not me. They confirmed the charges were denied. However, a statement showed a charge did go through on my account. I disputed the charge. I called multiple times to get the status of the dispute. I was told it could take 90 days. Then I get a letter stating my claim was denied because they tried to reach me for more information and couldnt get what they needed so they denied it. Im addition, I have no received any statements for one of my cards since XXXX. Which resulted in late fees. Ive had a year and a half of trouble with citi providing me with statements. They refused to refund any late fees although to my knowledge and my follow up calls, I was not late and paid current on both cards. They have no problem delivering additional promotional offers. But I dont get all my statements, when I call for updates Im given inaccurate information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93012
Submitted Via: Web
Date Sent: 2023-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-10
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Currently I am in the process of rebuilding my credit with some new credit entries on my credit reports that show being paid on time and yes some usage a little high, but I am making higher monthly payments to bring the balance down. I applied for a XXXX card that is issued by XXXX in XXXX XXXX SD. I received a response that I was denied for having old credit entries that are XXXX XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SD
Zip: 575XX
Submitted Via: Web
Date Sent: 2023-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-10
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Hello, On XX/XX/2023, Citibank has closed my checking account due to a " security concern ''. I have reached out to their customer service and they refuse to disclose the reason to me over the phone. They closed my account right after I opened my account on XX/XX/2023, and deposited $ XXXX to the account so I can qualify for their checking account bonus. I didn't even had intentions to open a Citibank Checking account but Citibank kept emailing me about their checking account bonus nonstop so I decided to give a try. I have been their customer over a year and I own 2 credit cards which is I do not get what is their security concern about. I also have a XXXX Credit Score and have few checkings account with different banks. The customer rep mentioned me they wont release the funds to me 30-60 days although I need those funds immediately since this money is material to me to operate my daily activities.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90045
Submitted Via: Web
Date Sent: 2023-01-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-08
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: My identity theft was last year XX/XX/2022. I files complaint at local police department & also files complaint to XXXX about charges. My XXXX Credit Card last XXXX # XXXX charged was not authorized by me. Its a fraud transaction Credit cards sent statements about my account charges. Credit cards company trying collect charges from me but its totally fraudulent transactions.
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: 2023-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-08
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/XXXX I received an alert on my phone that a charge of {$2500.00} was made at XXXX XXXX Within 10 minutes, I called my credit card company and reported it as a fraudulent charge. The credit card company issued me a credit but then charged me AGAIN for the same amount. I called them again and they told me I approved the amount which I never did. I then asked them to show me documentation ( or a taped phone call ) of the approval. They couldn't show any proof of me doing that. They reopened the case. After many phone calls and hours of my time spent on this matter, they then told me it would take 2 billing cycles to the 2nd credit to be issued. I told them I don't understand why I had to wait especially when they issued me a credit soon after the initial charge. I recorded most of the phone conversations I had with Citi Cards. The last time I spoke with them on XX/XX/XXXX. The person said I would receive a full credit by XX/XX/XXXX. I have not received that as of writing this complaint. I believe I was at a gas station at XXXX XXXX XXXX XXXX XXXX trying to use my credit card and had trouble at the pump a day or two before. I had to go inside for the transaction but going back to the pump and now using my XXXX rewards card, it still wasn't reading my reward card. The transaction was canceled. I believe there was a " skimmer '' at the pump. I notified the local police and filled out a report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-08
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I have a Citi XXXX credit card and used points for an XXXX e-gift card. They have repeatedly sent ones with invalid codes. Each time I try to redeem it, it says Error- this code has already been redeemed. THREE times now. I have wasted hours on chat with them and they do nothing to resolve this except sending new ones with invalid codes. I think its ridiculous they cant verify a code is valid before sending it, or just give me the points back as requested. I have been a customer in good standing for years.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94070
Submitted Via: Web
Date Sent: 2023-01-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-08
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: On XXXX My husband and I went to purchase two recliners at a Macys furniture store. The sales clerk suggested we open a Macys credit card to get an addition percentage off since it was XXXX XXXX XXXX and I was denied. She tried again per phone this time and I was granted a {$500.00} limit. I was so embarrassed during this Long process in front of other waiting customers. I said No I didn't want that so she ran my husband credit card application and he was accepted at {$10000.00} limit. My credit is better than my husband and we couldn't understand. A letter was sent to me stating the decision was made because unable to verify identity information by XXXX, So on XXXX I called the phone number listed by Macys on the letter and was told the account I didn't want was open for the {$500.00}, So I asked to have it closed and to find out the specific reason for my denial and the Macys customer service rep XXXX Yelled at me and Hung up! She was so UNPROFESSIONAL and RUDE! My husband was present during this call. Then I called XXXX and they said they had no idea why I would be denied since I had a XXXX XXXX XXXX from them and XXXX from XXXX, and XXXX XXXX. I'm not sure if my denial was myself being a XXXX XXXX and my husband XXXX, XXXX, Citibank, or XXXX. I have no idea if any of this is illegal, but it have been a HORRIBLE EXPERIENCE! I appreciate Any help. I can provide any paperwork needed. THANK YOU SO MUCH!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98375
Submitted Via: Web
Date Sent: 2023-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-08
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: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Citibank Associates : I have received a letter with your investigation results and I am formally asking for an appeal because I do not agree with your findings. First, I have not been informed of the arbitration details that caused you to deny my request to refund the inappropriate charged amounts to my account. Second, I would like a clear understanding of why the details, documents and information I have provided to you is inadequate to prove that I did not receive items charged to my account and hired other vendors to complete the improvements to my home. Third, I would like to know why even though the information I sent to you was pushed back from the merchant, that you, the company that I have done business with for two decades, has not protected me with your own fraud resources. I look forward to your responses. Respectfully submitted, XXXX XXXX XXXX CITIBANK CUSTOMER SERVICE XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 31405
Submitted Via: Web
Date Sent: 2023-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-08
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: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Citibank Associates : I have received a letter with your investigation results and I am formally asking for an appeal because I do not agree with your findings. First, I have not been informed of the arbitration details that caused you to deny my request to refund the inappropriate charged amounts to my account. Second, I would like a clear understanding of why the details, documents and information I have provided to you is inadequate to prove that I did not receive items charged to my account and hired other vendors to complete the improvements to my home. Third, I would like to know why even though the information I sent to you was pushed back from the merchant, that you, the company that I have done business with for two decades, has not protected me with your own fraud resources. I look forward to your responses. Respectfully submitted, XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 31405
Submitted Via: Web
Date Sent: 2023-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-08
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have a citi bank account and after making a coupling of transactions I was blocked from using the account. Now when I call them Im being told that I need to have access to an old phone number that I no longer have and have not had for over a year now. The only other option Im giving is to wait on a letter but Ive been locked out of my account for over two weeks now and this is unacceptable. Its very strange that they would allow someone who has my old phone number access to all my banking information and personal details.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27560
Submitted Via: Web
Date Sent: 2023-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A