Date Received: 2023-01-03
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 additional card holders card was missing. We immediately called Best Buy when we noticed his card was missing to report it lost. His card has fraud charges on them. These charges need to be removed off of our account ASAP. I called Best Buy and was told it would be handled but it has not been the charges are still there. Below are the charges that need to be removed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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: 2023-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-03
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, Georgia XXXX XXXX : XX/XX/XXXX XX/XX/XXXX CITI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX RE : Account Number : XXXX XXXX XXXX XXXX Credit Card Balance : {$16000.00} To Whomsoever It May Concern : I believe your statement contains a Billing Error in the amount owed : XXXX XXXX and XXXX/XXXX {$16000.00} In accordance with XXXX XXXX XXXX ( XXXX ) - Billing error resolution : A reflection on a periodic statement of an extension of credit for which the consumer requests additional clarification, including documentary evidence. I extended your organization the credit for account number : XXXX XXXX XXXX XXXX I hereby give your Company notice pursuant to 9-A 8-103.1-A ( b ) that your company never provided an adequate notice which clearly and conspicuously mentions the pertinent facts of this transaction. Your Company didnt even inform me about the cost of Credit and the evidence of the indebtedness was just a merely computer-generated agreement. According to 9-A 8-103.1-A ( b ) " Adequate notice '' as used in section 8-302 means a printed notice to a cardholder that sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. That notice may be given to a cardholder by printing the notice on any credit card, on each periodic statement of account issued to the cardholder or by any other means reasonably ensuring the receipt by the cardholder. Since the adequate notice was not given as per the above-mentioned section, I couldnt understand its meaning which is a violation under 9-A 8-103.1-A ( b ). Further, pursuant to 15 U.S. Code 1601 ( a ) a consumer must be aware of the cost of the transaction. Since I was not aware of the transaction, therefore made an uninformed decision and it resulted in multiple billing errors, and unfair credit card practices. From your end, I have not benefited from this transaction which is again a violation of 12 CFR 226.12 ( b ). According to 12 CFR 226.12 ( b ), The term unauthorized use means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. I was deceived by the deceptive form you created which is a violation of 12 CFR 1006.30 ( e ). According to 12 CFR 1006.30 ( e ), Furnishing certain deceptive forms. A debt collector must not design, compile, and furnish any form that the debt collector knows would be used to cause a consumer falsely to believe that a person other than the consumers creditor is participating in collecting or attempting to collect a debt that the consumer allegedly owes to the creditor. To remedy this matter, I hereby request the following resolution ; I. Refund extended credit amount in full. II. Change the mention-above account status to Do Not Pay/Do Not Collect III. Full compensation me for the above-mention Consumer Violations IV. Fully compensate me for much mental as well as financial distress. I am open to communicating with you for this purpose. To make sure that I am not put at any disadvantage, in the meantime please treat this allege debt as being in dispute and under discussion between us. If you accept my request, I will not escalate this matter to Federal Court. All collection activity must cease and desist. Also, during this Billing Error investigation period, if any action is taken which could be considered detrimental to any of my credit-reporting repositories, this includes but is not limited to any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this Billing Error Resolution Notice within 30 days from the date of your receipt, I will assume that you knowingly and willfully committed Racketeering/Extortion and Fraud against me ; therefore I will immediately open a complaint with the Consumer Financial Protection Bureau XXXX CFPB ), and the Federal Trade Commission XXXX FTC ). I will also seek legal counsel for a remedy to these consumer violations. Thank you for your cooperation. Sincerely, 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: 30035
Submitted Via: Web
Date Sent: 2023-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-03
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Account in good standing, customer for over 17 years, over $ XXXX credit line. Received e-mail yesterday XX/XX/XXXXXXXX that they were going to close my account. Citibank states that they pulled my credit report from XXXX in XX/XX/XXXX and decided to close my account. Pulled three bureau credit score, all shows credit score over 800 and no issues. Called Citibank this morning to ask what was going on and was told the above.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20008
Submitted Via: Web
Date Sent: 2023-01-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-03
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I received a letter in the mail from Citibank stating that I had applied for a credit card, which I did not. Further, I received an alert from XXXX that " CBNA '' had pulled my credit report, which I am assuming was due to the same fraud. This is obviously fraudulent and identity theft. I contacted XXXX and they require a report to remove the inquiry. I also contacted Citibank and submitted the fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2023-01-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-03
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: XXXX XXXX of XXXX XXXX is working on behalf of the family ( widow ) of XXXX XXXX XXXX. XXXX XXXX is deceased. Citibank holds a judgment against the client 's property. Citibank was provided all requested documentation and submitted by fax to their probate department on XX/XX/XXXX. Told at that time that it could take 4-6 weeks, but was told to check in after 7 business days and that we can expedite. We have called each business day since then, asking for a manager/supervisor, only to be told they are severely back-logged and nothing can be done to expedite. Meanwhile the purchaser of the property is threatening to walk away unless their mortgage-rate-lock extension is paid for, for a month, which is an additional {$4000.00} because Citibank needs 4-6 weeks to process a full payoff statement. We went through the same process with XXXX on the same day. Received the payoff statement in 48 hours. It is unconscionable that it takes 4-6 weeks.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22101
Submitted Via: Web
Date Sent: 2023-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-03
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 had filed XXXX separate disputes with best buy/citi group XXXX The first one was over the phone in XXXX of XXXX and the second was online in XXXX of XXXX. The phone dispute i received no official resolution on and kept paying my bill through the process. The online dispute was denied and i was provided with no proof of denial. They stated in the denial letter that they had evidence that the purchases were made and they were not fraudulent which is not possible as they were not purchased by me. A letter was then sent into the company asking for the proof and evidence to deny the claim and we heard nothing back. At that point we stopped making payments on the credit card as we felt upwards of XXXX dollars was not purchased by us. Then the balance increase from apr rates kept increasing. We felt that we were making payment at this point on purchases not made by us and on interest that kept going up based on purchases not made by us. The next time we heard from them was when we received a letter that our account was closed and that they were threatening legal action unless we made payment. We are willing to make payments on what is actually our balance, but again best buy/citi group has provided no evidence or proof of what is ours and what was fraudulently purchased. We are willing to go to court to defend ourselves against the fraudulent charges. Again we are willing to work with best buy on this matter but we will not make payments on a XXXX balance on our account that is not ours.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48310
Submitted Via: Web
Date Sent: 2023-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-03
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: Fraudulent charges were made on my Citibank account beginning XX/XX/XXXX after I took out a FREE trial with a company called XXXX on XX/XX/XXXX. They required a credit card, but I cancelled the next day and was never charged for the trial membership. I never made a single charge to XXXX other than the trial membership fee which was never actually charged to my Citibank credit card because I cancelled. However, someone used my credit card information to begin placing charges. Several went through unnoticed until the thief became bolder and began charging multiple amounts on the same day for the exact same amounts in XXXX. I reported these as soon as I realized it to Citibank in XXXX, XXXX, when 18 charges went thru on the same day for {$39.00}. I have been dealing with Citibank now for over a year and it has been a nightmare. At first they were very helpful and refunded the charges to me, but then began to charge them back to me. It became unbelievably complicated to sort through the multiple charges, refunds and charge backs. I have called over and over again and spent hours on the phone with multiple people trying to explain, some were helpful but most were extremely condescending to me, using the complicated process to try to convince me I didn't know what I was talking about. I had hope at one point when they sent me a stack of my own statements with a complicated color highlight system showing what had been charged, refunded and charged back, asking me to sort through them and send them back the charges that still needed to be refunded. I spent three days going through what they sent me and sorting it out into an easy ( as possible ) to understand spreadsheet. I sent them this spreadsheet on XX/XX/XXXX and have had no response. I have attached my written correspondence and the spreadsheet with this complaint. Please help me, XXXX also promised to get to the bottom of this but did nothing except apparently provide Citibank with some bogus information to say I made the charges. They are a phone service that charges a small monthly fee of {$19.00}, and no one can tell me what anyone could possibly purchase at this company with XXXX charges of {$39.00} + XXXX charges of {$26.00} for a total of {$1400.00}. I hate to report Citibank and fear repercussions, but I desperately need help to get them to refund me the remaining fraudulent charges of {$430.00} plus all the interest they continue to charge. I am reaching out to Consumer Finance as a last resort and praying you can help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38134
Submitted Via: Web
Date Sent: 2023-01-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-03
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Last year Citi changed to a new system to handle external account transfers from their savings accounts to their customers local bank. My local bank, which was previously listed as an external account, was not able to be added. As such I am unable to transfer funds to my local bank with this system. I was told that this is a known problem that was occurring with some accounts. I have worked with their tech support for months trying to correct this but they have not been able to fix the problem. I can do a wire transfer but there are fees to do this. I am supposed to be able to transfer up to {$20000.00} monthly with no fees. Today, after working with their tech support and making no progress, I requested that they close my account, transfer the funds to my local bank checking account and cover any related fees. I was transferred to another individual who never picked up the call.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 474XX
Submitted Via: Web
Date Sent: 2023-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-03
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Opened new credit card account with XXXX XXXX serviced by Citi Bank and purchased {$71.00} Received bill XX/XX/XXXX and made payment of {$35.00} on XX/XX/XXXX 1 day after due date and to an old Home Depot Account ending in XXXX that was in my bill pay system. XX/XX/XXXX received next bill and noticed first payment not applied. Amount due was {$100.00} Called to have overpayment of old account transferred to new account ending in XXXX. Made payment for balance of XXXX on XX/XX/XXXX. Called and spoke with XXXX and Was told late fee would be refunded. XX/XX/XXXX received bill for old account ending in XXXX with {$35.00} credit balance removed. XX/XX/XXXX received bill on account XXXX for {$100.00}. Did not reflect credit of {$35.00} from old account. {$42.00} in fees was added. Called XX/XX/XXXX spoke to XXXX who email with credits issued in the amount of {$2.00}, {$29.00} and {$40.00}. XX/XX/XXXX called and spoke to XXXX and XXXX XXXX. She issued emails indicating credit issues for {$2.00} and {$29.00}. XX/XX/XXXX bill only showed credit of {$35.00} and {$40.00} plus a late charge of {$31.00}. Called XX/XX/XXXX spoke to XXXX people and then XXXX who was to transfer me to a XXXX however was disconnected 3 times during XXXX minutes on the line. I have been receiving XXXX collection calls per day except for XXXX and XXXX XXXX hollidays. Received XXXX yesterday and XXXX today before I called stating they were collecting a debt in the amount of {$78.00} of which {$29.00} was past due. Don't know how to stop these late fees.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2023-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-04
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92116
Submitted Via: Web
Date Sent: 2023-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A