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: On XX/XX/XXXX, I purchased a package from XXXX XXXX, for the following : XXXX XXXX ANYWHERE IN US : XXXX XXXX XXXX XXXX from and to anywhere in the US ( XXXX must fly within your chosen cities ). 3 Nights of hotel at a XXXX in your chosen city. {$250.00} Gift certificate to XXXX XXXX in your chosen city. XXXX XXXX operates a non-profit organization, XXXX XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, A NONPROFIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX | XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | VIRGINIA | XXXX | XXXX I was communicating with a XXXX XXXXXXXX director of public relation and external affairs. XXXX per a phone conversation week of XX/XX/XXXX, stated this was all a fraud. I have sent over 10 emails trying to get a response, but no one never respond back. I did get a response a couple of months after the purchase. I made the purchase with my Macy 's American Express card. All emails within four months of purchase indicated I would receive the package. I never did receive the package. I have submitted numerous emails requesting my package. I have also contact Macy 's American Express but have been told the time frame of filing a dispute has expired. I feel Macy 's did not conduct a proper investigation as I uploaded all email communication with the organization. I have over 20 emails requesting the package. This organization took money from a lot of Veterans. A search on XXXX shows this organization took money from Veterans to have parties and expensive trips. Can you assist me in a refund? Below is the response I received from Macy 's. Dear XXXX XXXX, Why we're writing you Thank you for your inquiry regarding the charge made at XXXX on XX/XX/XXXX in the amount of {$350.00}. Due to the amount of time that has elapsed since this charge was first billed, we no longer have recourse to obtain credit for this charge. We now consider this matter resolved and have completed our investigation. Any amount placed in dispute status has been removed. Some important information While we realize your account may be in good standing, Federal Regulations require us to remind you that we may report your account as past due to the consumer reporting agencies listed below if we do not receive the minimum payment by the due date shown on your billing statement. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX How to contact us If you have additional questions regarding your account, our Representatives are available to assist you. Please contact us online at XXXX or at the phone number below. Please know we made a sincere effort to address your concern and reach a resolution. Sincerely, Customer Service Phone : XXXX I am a retired XXXX Veteran living on a fix income. I was drafted after XXXX and received an injury. I begged and begged these people for my package or a refund. I still have all communicating emails.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46307
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: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Charges on my Citibank credit card in the amount of XXXX which were posted on XX/XX/2022. I reported the charges as fraudulent within XXXX hrs and was given a case number. I received letter notification on XX/XX/2022 that disputed transaction was at a chip enabled reader and therefore not considered fraudulent since the card was in my possession at all times. The transaction occurred in a different state and after my own investigation the company in question is an apartment building and not a brick and mortar store. In addition I have never used this card for purchases as it was obtained for a XXXX transfer. Included below is the picture of address of the supposed business the card was used. I need help getting this removed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07030
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: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Citi bank didnt paid {$700.00} bonus and {$24.00} two returned check fees to me. Please help us resolve it. Thank you!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 79118
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 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
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
Date Received: 2023-01-02
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I have two existing checking accounts at Citibank ( Citi ), and I recently applied for and was approved for a Citibank Executive Mastercard ( MC ). Shortly after my MC was activated, I received an email from Citi advising me that for my " convenience '' the MC was linked to the existing checking accounts. This was done without my consent or approval. I called Citi and advised that I did not want the accounts to be linked. To ensure the accounts would not be linked, I was instructed to create a separate User ID for the new MC, which I did, and the accounts were unlinked. Within 24 hours, the MC was again linked to the checking accounts. I called again, and the account was unlinked, only to be linked again in 24 hours. I went through this exercise for the next three days where my MC was unlinked then linked back to my checking accounts. I called Citi to complain that they are tampering with my account without my consent. They keep linking the MC to my checking accounts without my consent and against my explicit wishes and instructions. In fact, they are altering my account without my approval as they are utilizing a User ID for the account which I did not authorize since I have established a specific User ID for the MC.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28277
Submitted Via: Web
Date Sent: 2023-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-02
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: To Whom It XXXX Concern, Please Help. On XX/XX/2022, I paid a merchant ( XXXX XXXX ) {$4500.00} to purchase and install a furnace and A/C unit in my home. I used my " Citi Custom Cash '' credit card to pay my bill. The next day I realized I had lost my credit card. I immediately went online to my online banking portal and notified the Citibank card was Lost/Stolen. A dialog box asked me if I recognized these XXXX pending transactions, XXXX of them being the {$4500.00}. I chose the " yes '' option because I did not see anything wrong and requested a new card to be sent to me. On XX/XX/2022, the merchant ( XXXX XXXX ) called me and said he received an email from his processing company ( XXXX ) that this transaction was either a scam or fraud. He texts me a snapshot of the email. He requested I pay him with a different card. I did not want to use my secondary card because of the higher interest rate, but I paid him {$4500.00} on my " Thank You Preferred '' CitiBank credit card. I wanted to do the right thing and did not want the merchant to think I was taking advantage of him in any way. So, now there are XXXX payments, XXXX on each card, for a {$9000.00} total. I called customer care, explained what happened, and disputed the first transaction. I have been calling them and pleading with them to return my money, but they won't. I call them almost on a weekly bases with no help from anyone. They keep telling me to wait for XXXX to 10 days, then I call back, and they keep saying the same thing repeatedly. I asked where the money went and am still waiting for a straight answer. They gave me a conditional credit for {$4500.00} while investigating and then took it back. I contacted the merchant, and he tried to help me get my money back. Although he attempted to help, he informed me there was nothing he could do to help me in this situation. I was asked to send emails to Citibank of receipt of the purchase and fill out forms for Citibank, which I did on XX/XX/2022 and again on XX/XX/2022 when requested by my credit card provider. I was asked to contact the merchant, which I did, and still, it did not resolve anything. I filed a complaint with corporate and got nowhere. They asked me to go to XXXX XXXX and informed me that this was the merchant 's bank. I went there and was told by the merchant when I called him while I was at XXXX to find out this is not who he banks with, and Citibank was also his bank. I went into the Citi Bank Branch and was there for three hours on the phone with the help of the personal banker with no resolution. The personal banker told me to put a dispute on the second charge I made to the merchant and see if I would get that back, so I followed her instructions. I still did not get anywhere with that. I called my credit card again, and they finally told me the funds were in some holding and gave me an acquirer reference number. I tried to find out what this means and where the funds are. Citibank then told me they were closing the dispute and there was nothing more they could do for me because too much time had passed. I have been trying to get this resolved for almost 6 months with no resolution in sight. This situation has affected me in so many ways. It has put me behind on all my other bills, and I had to borrow money to help with this situation. I am still trying to pay my credit card and do not want to compromise my above XXXX XXXX XXXX. I always pay my bills on time, and I feel that fraud has been committed against me by my own credit card provider. I have been seriously sick over this and do not know who else to turn to. My friend found your agency and told me to file a complaint. I appreciate any help you XXXX be able to provide. Thank you, XXXX XXXX XXXX
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: 2023-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-02
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Involved parties XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX CitiCards CBNA Citi XXXX XXXX XXXX, XXXX XXXX XXXX SD XXXX Phone : ( XXXX ) XXXX Account is not mines. Was authorize user but have been removed and XXXX not responsible for account regardless. XXXX said they investigated it but informed me citi has said it was my account but that is incorrect because I have no account with them. This is negatively impacting my credit score and its hurting my credit Files and dispute with XXXX in XX/XX/XXXX on citi bank account that I was authorize user on but not anymore. Got results XXXX XXXX said the account belong to me but it does not. Called citi XXXX XX/XX/XXXX they confirmed account ending in XXXX belongs to XXXX XXXX and XXXX not listed on account, they filled a dispute to send to bureaus Called citi XXXX confirmed I dont have account with them they said the sent another dispute to credit bureaus Called XXXX XXXX XXXX XXXX did was file another dispute, but I have no trust that they will do due diligence to investigate problem. Because its not my account and they are saying that it is Also saying citi verified it was mine but when I called citi they say i dont have a account I CANT EVEN GET INFO ON ACCOUNT BECAUSE ITS NOT EVEN MINES
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30329
Submitted Via: Web
Date Sent: 2023-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-02
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: Citi has declined my dispute regarding an item I did not receive. I previously had a complaint through the CFPB, but they still rejected it and my case was closed. The Complaint ID was : XXXX. Attached is additional proof.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98004
Submitted Via: Web
Date Sent: 2023-01-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-02
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 unable to get a refund from a merchant in XXXX XXXX XXXX. I subsquently filed a dispute with citibank to charge back the purchase. As of XX/XX/XXXX the dispute has not been resolved, although I have provided citi with proof that merchant agreed to refund the purchase but hasnt done it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A