Date Received: 2023-01-06
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 am writing out of extreme frustration with Citibank. I had a dispute that was resolved by both the merchant and Citibank. However, Citi refuses to remove the amount ( {$4900.00} ) from my account. Even though it is not on the full balance taken out each month, the figure remains on the statement, subtracted from the credit line and is reported to the credit bureaus. The dispute resolve was in XXXX of 2021. I can not count how many times in the last 2 years I have called and spoken to representatives. There have been such quotes as we are aware of the problem, and you should receive a call back in the next few days once fixed. No promise has ever been kept returning a call. I even emailed the CEO with no response. After all these years of dealing with Citi on this matter, I do not know what else to do and would appreciate your help!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34275
Submitted Via: Web
Date Sent: 2023-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-06
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: On or about late XXXX of XXXX, Citi bank closed my 3 accounts without prior notice or without explanation. This was done just days after an unrelated 60 day delinquency appeared on my credit report and a third bank also closed my accounts. I believe these are related events, however I have no way of knowing as Citi will not disclose the reason for their actions. Under Regulation B for business and consumer accounts as well as FCRA rules governing consumer accounts, a notice of adverse action must be given that provides, among other things, either a statement of the specific reasons for the action taken or a disclosure of the applicants right to a statement of specific reasons and the name, address, and telephone number of the person or office from which this information can be obtained. Under the requirements, adverse action includes " A termination of an account or an unfavorable change in the terms of an account that does not affect all or substantially all of a class of the creditors accounts ''. I reached out to Citi as I was told I could contact them within 60 days of the letter ( which did not include a XXXX ) in regards to this matter, but was not provided with a reason. Given the fact that this action was taken only weeks after an unrelated account was reported as 60 days late to the three major credit bureaus, and another bank closed my accounts, I have always suspected that this was the reason for the adverse action. However, given the fact that I did not receive a notice of adverse action that was required, providing me with that information along with : - Notice that adverse action was taken based on information obtained from a consumer reporting agency - The consumers right to : Obtain a free copy of his or her consumer report from the consumer reporting agency providing the information if requested within 60 days and - To dispute the accuracy or completeness of any information in a consumer report furnished by the consumer reporting agency - The name, address, and telephone number of the consumer reporting agency that furnished the report to the person - A statement that the consumer reporting agency did not make the credit decision and is unable to provide to the consumer the specific reasons why the adverse action was taken - Credit score disclosures if the credit score was a factor in taking adverse action Since it's reasonable to assume based on both the timing of the unrelated account closure and the reporting of the 60 day delinquency by another creditor being within days of the account closures, this decision to close 3 separate accounts that were in good standing could have no other explanation besides information contained within my credit report. As such, appropriate notices under the law were required. As a consumer, financial and credit literacy are extremely important. Getting to the bottom of the reason this decision was made is extremely important to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89011
Submitted Via: Web
Date Sent: 2023-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-06
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Someone used my debit card number and PIN to withdraw {$7000.00} at an ATM from my Citibank account. Citibank refuses to refund money saying I withdrew that money. At the same time this happened my accounts at 4 other banks were compromised. All the other banks have returned the money. I have filed 2 police reports in 2 different departments. I have asked for a photo of person at ATM but I was told I need a court ordered subpoena. I dont know how to proceed. The withdrawals in question occured on XX/XX/22 and XX/XX/22. As soon XXXX found out I called the Citibank fraud unit and later wrote to their Citi Executive Response Unit and they said " this seems like my usual banking practices ''. As mentioned above my accountsat XXXX XXXX, XXXX XXXX and XXXX XXXX and XXXX were also compromised. Some of those accounts have since closed or locked so I don't have detailed information on them but I have them for Citibank. Case # 's for appeal with Citi Executive Response UniXXXX are XXXX # XXXX, case # XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 109XX
Submitted Via: Web
Date Sent: 2023-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-06
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I applied for Citi XXXX card on XX/XX/2022. Somehow the application did not go through and they asked to validate my identify with a mail. After 2 weeks waiting, I finally received the mail and got approved. However, after I made the first purchase on XX/XX/2022 with a small amount, my card was locked. First time I called the customer service, and the agent promised the card was unlocked. I tried again, and it was still locked. When I called them the second time, they said I need to wait another two weeks to receive a mail to validate my identity. They did not provide any other solutions. I told them I was moving to another place soon, and asked if they could make sure to send the mail to my new address. They were confident that the mail would be sent to the latest address without even asking my new address. After 2 weeks ( XX/XX/2022 ), no surprise, I still did not get the mail, and I needed to reach out to the renter in my previous place. I finally got the mail and called them to validate my identity. After answering all the security questions, they were having trouble validating my phone. I told the agent my original phone number was currently unavailable and I could provide another phone number or call back letter when my network gets fixed. She just ignored me and directly locked my account again, asking me to wait for another 2 weeks. Finally, I have to close the account to avoid the {$95.00} annual fee charge because I don't even know if I will be able to use the card or not.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95035
Submitted Via: Web
Date Sent: 2023-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-04
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Home Depot offered a promotional rate of 0 % financing for 24 months for opening a store credit card in XX/XX/XXXX for a project. This time frame would be approximately XX/XX/XXXX through XX/XX/XXXX. The promotional rate that I received was only through XX/XX/XXXX and I have been charged interest. I called the Home Depot credit card and they refused to honor the promotional rate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-04
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: In XXXX I closed a Best Buy Citibank account that was inactive for years. In XX/XX/XXXX, I recieved a bill in the mail for {$XXXX}. I immediately contacted CitiBank and told them that I did not open this account, and the charges on it were fraudulent. The email and address used for the new card are not my email, and it is an address I had not lived at for months. After their investigation, they said I was still responsible for the charges because it was purchased at a store " Within driving distance ''. XXXX times I have requested another investigation, and they have opened/closed with the same results.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 73099
Submitted Via: Web
Date Sent: 2023-01-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-04
Issue: Fraud or scam
Subissue:
Consumer Complaint: I was contacted, via text message, by Citibank Fraud NA on XXXX transaction that was declined on XXXX XX/XX/2022 at approximately XXXX XXXX, CitiFraud used phone number XXXX. [ copy of message -A ] I contacted Citibank Fraud group and they said they did not call and started an investigation. Citibank Dispute Case # XXXX and XXXX. Citibank Fraud shared the following Transaction numbers : Citibank pay id code # XXXX for {$2400.00} Citibank pay id code # XXXX for {$2500.00} Citibank reported that a XXXX XXXX using phone number XXXX removed a total of {$4900.00} from Citibank checking account XXXX on XX/XX/2022, at approximately XXXX XXXX in two different transactions using XXXX. Text message confirmation show both were marked as fraud. [ Copy of message -B ] The only person on record I have sent XXXX funds to family members. There are only three ( 3 ). XXXX, XXXX, and XXXX XXXX. They are the only persons in my contact profile for XXXX. I do not know who XXXX XXXX is nor this phone number. I did not authorize this transaction. FBI and Police reports filed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43221
Submitted Via: Web
Date Sent: 2023-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-04
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: Regarding the account, ending in XXXX. On XX/XX/2022, I wrote Citi about the referenced account, ( a copy is attached ). I asked them to put into dispute two charges from XXXX XXXX totaling {$540.00}. I did not receive a reply and Citi continues to bill me. On XX/XX/2022, at XXXX XXXX I called Citi. I spoke with Customer Service. The lady I spoke with assured me credit for the two charges, interest, and late charges would be credited within 2 or 3 business days. I wrote Citi again on XX/XX/2022 ( copy attached ). In the XX/XX/XXXX letter I pointed out the time limits in the Fair Credit Billing Act, and they had exceeded those time limits. Again I received no response to my letters other than collection efforts, which I continue to receive. XXXX XXXX XX/XX/2022, received as collection call from Citi. I read to her my letter of XX/XX/2022,. She referred me to the Fraud department, they referred me to Customer Service. Customer Service referred me to Billing Disputes I spoke with XXXX. XXXX in Billing Disputes said the problem was I had disputed the charges in a letter. The correct way to dispute charges was by phone. On XX/XX/2022, I received a collection call from Citi. They transferred me to the dispute department. The Gentleman I spoke with said the dispute was closed because they had not received the requested documentation. I assured him I'd never gotten a request for further documentation. He said he would reopen the dispute. I told him I had never received an acknowledgment of the dispute. At XXXX XXXX on XX/XX/2022. I receive a collection call from Citi stating the account was 2 months past due. I talked to collections and I told them I had disputed the charges. Collections transferred me to Citi 's Fraud Department. Fraud attempted to transfer me to the Billing Disputes department. Fraud Department came back on the phone and said Billing disputes were closed today. XX/XX/2022, at XXXX XXXX I phoned Citi. I automatically was transferred to collections. Collections transferred me to Security where I spoke with XXXX. XXXX XXXX XXXX said she would check with billing disputes. She transferred me to XXXX in billing disputes. XXXX in billing disputes said she is going to resubmit to get the charges under investigation. I continue to receive collection efforts and past due notices I continue to receive collection calls, emails, and text messages from Citi attempting to collect. To the best of my knowledge, these items have not been put into dispute and investigated by Citi. I've scanned most correspondence, but I'm unable to scan and submit the frequent collection o text messages I've received from Citi.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46131
Submitted Via: Web
Date Sent: 2023-01-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-04
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: Advertised lounge access does not work at the lounge. card advises free XXXX checked bags with XXXX XXXX but we still got charged for bags. Card declines randomly. Customer service is outsourced and are no help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75204
Submitted Via: Web
Date Sent: 2023-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-04
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: This is regarding a CitiBank. In XX/XX/XXXX I signed up for a promotional XXXX of XXXX XXXX on new purchases and received confirmation that the XXXX was XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. I made several purchases. On XX/XX/XXXX I made a payment through the CitiBank website but unfortunately selected an old and closed bank account. The payment obviously did not clear. I instead made a payment on XX/XX/XXXX out of my current bank account, which cleared well before the XX/XX/XXXX due date. Since XXXX, CitiBank has been charging an APR of XXXX XXXX on the amount that did not clear on XX/XX/XXXX ( {$3100.00} ), which I only noticed this month. I communicate with CitiBank twice ( XXXX chat conversation included, also did a phone call today ) and the staff were unable to tell me why this was the case other than to say it occurred. I confirmed with them that the XXXX XXXX APR promotion is still in place and was not voided by the return payment. I reviewed the terms of my special promotion ( included ) which does not include a provision for this. I requested that they send me the terms by which this occurred and they tell me that there is no such document.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02130
Submitted Via: Web
Date Sent: 2023-01-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A