Date Received: 2023-01-01
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I am XXXX. Communicating by email works best. I have a Best Buy credit card issued by CITI. In the past, I noticed there are charges for 'debt protection insurance '. I did not know about this, not did I knowingly sign up or agree to anything of this nature. I called and had it removed before and informed them that I want that to cease entirely. I was told it was removed and stopped. I am now seeing the same charges monthly. I would like all of them removed going back to the date of opening this credit card. XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63304
Submitted Via: Web
Date Sent: 2023-01-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-01
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I disputed inaccurate and incomplete information on credit card Account # XXXX with XXXX and XXXX XXXX See attached. This account has been reporting incomplete information throughout the entirety of its life. In the XXXX report, there are 12 months that are reporting inaccurate and incomplete information. In the XXXX report, they are reporting incomplete information for 23 months, and inaccurate information for the month of XX/XX/2021. Furthermore, after disputing with the credit reporting agencies, I have not received any correspondence from Citibank acknowledging my disputes. It is unclear whether or not Citibank is reinvestigating the information being reported. I also can not access my bank statements at this time because their website is down, but I will most certainly provide those at a later date.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 926XX
Submitted Via: Web
Date Sent: 2023-01-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-01
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XXXX I realized that Citi Bank was charging 28 % on one of my credit cards with them. I immediately called customer service, I have been a member since XXXX never missed a payment until my husband died suddenly in XX/XX/XXXX. I called and explained the situation, they increased my APR at that time I did not realize it until XXXX. I called and did not get satisfaction, so I wrote a letter on XXXX to customer service, when I received my XXXX statement they had lowered my APR to 19 %. I called customer service again, asked about the change and to get a credit for the high interest charged and was told no. I paid off both credit cards on XXXX, they posted the payment to only one account, leaving a credit balance on one and a debit balance on the other. I call customer service again and was told it would take 7 days, it is now XXXX and I have yet to see the payment applied to the correct account, needless to say, this is being reflected on my credit report. Can you please assist?..
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43213
Submitted Via: Web
Date Sent: 2023-01-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-01
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Personal loan account has never been late, and paid on time each month using autopay through my bank account. Creditor continues to say that my account is past due, and that I have late fees. This has hurt my credit rating immensely. Creditor and credit reporting agencies keep updating delinquent information as being correct when it is not.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29579
Submitted Via: Web
Date Sent: 2023-01-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-01
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Citi locked my card because I made a purchase that was over {$200.00}. I called customer service and they wanted to send me a text to verify my identity. I have had the same cell phone number forever and its the same number on my account. I never got a text. I asked for a supervisor. The supervisor said they would call me back on my cell number. I received XXXX calls from him but each time I would answer, there was no sound on the other end of the line. I called back again. Even though I verified all of my personal information, my security question, and was calling from my own number I have to wait for a letter to use my card. So even though they advertise rewards points, I can not use the card for my XXXX purchases and earn rewards.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: HI
Zip: 96734
Submitted Via: Web
Date Sent: 2023-01-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-02
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2022, I discovered I could not access my Citibank XXXX XXXX account- which had over {$100000.00} on deposit. After numerous phone calls talking with various Citi representatives, the only information anyone would tell me was that Citi had put a lock on my account. No reason was ever given. This was the beginning of what became a long 3 month battle. Citi eventually mailed a check - 3 months later - returning this money they stole from me. During that time, I talked with countless Citi representatives- getting seemingly endless misleading false information, broken promises, and outright lies. The only consistent message I kept hearing was Citi arrogantly telling me they have the right to do anything they want with customer accounts. 1 ) Why is Citi allowed to lock up, and essentially steal, a depositor 's money at any time, and for any length of time, and no apparent legitimate reason? 2 ) Every Citi customer - current and future - needs to be warned that Citi can, and will, put a no-time-limit lock on their savings. 3 ) Can anything be done to stop Citibank 's policy of mistreatment, abuse, and theft from the banking public?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: XXXXX
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: 2023-01-01
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: On XX/XX/XXXX I scheduled a payment from my Citibank Online checking account to pay my Citibank XXXX balance of {$1200.00}. At first, I scheduled it to happen on XX/XX/XXXX, but then decided I wanted to change it to XX/XX/XXXX, and changed it online. I then received XXXX emails from Citibank : one showing the payment confirmation for XX/XX/XXXX, and another showing a scheduled payment for XXXX. So I called I immediately called the number on the back of my Citibank XXXX, and was ASSURED by the person I spoke to that there would only be one deduction, not two. When I checked my account this morning, I found that in fact the {$1200.00} was deducted twice. I called the Citibank card number again, and was told that the credit card department could only offer me a credit towards my future balance, or mail me a paper check. I'd like that money back now, and hoping you can help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 025XX
Submitted Via: Web
Date Sent: 2023-01-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-31
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I sent out an Identity Theft Report letter to the Credit Reporting Agencies on XX/XX/2022 under the suspicion that my identity has been stolen and used without my express consent. I sent out this letter and since then many items on my consumer report have been removed/deleted like requested. Currently my consumer report does not look the same at all across the board ( XXXX XXXX XXXX ) and almost all of the accounts requested have been removed. On or around XX/XX/2022 Citibank ignored the fact that there was an ongoing investigation of the validity of the accounts they insist on reporting and collecting an alleged debt from, insisting on not only the accounts but also report late payments. This is against the law. 15 USC 1666 ( b ) states that they can not report late payments to my consumer report. Citibank has also been calling non-stop in an attempt to collect a debt unlawfully on since on or around XX/XX/XXXX even after sending them multiple verbal and written communications to cease and desist. I did not give them my express consent to call me. They have been calling from suspicious, unknown telephone numbers and it seems that they will not stop. This is causing me stress/anguish. Please expedite this response as this is an urgent matter I'd like to get taken care of immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11201
Submitted Via: Web
Date Sent: 2022-12-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-31
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/2022 I bought an open box phone from Best Buy. This phone was a XXXX XXXX XXXX XXXX XXXX XXXX Unlocked in XXXX XXXX The total for this purchase was {$990.00}. This item came with damage in the form of significant scratches on the screen. I logged into my Best Buy account to return this item and selected the reason as damage due to the scratches it came with. Best Buy authorized the return and gave me a shipping label. The item was returned the same day, XX/XX/2022 with the shipping label Best Buy authorized for the return of this item which is XXXX. After receipt of the item, Best Buy tried making up different excuses and changing their story for why they wouldn't refund. First they tried saying that the item was returned late, but tracking shows that I shipped it off the same day they authorized and XXXX was in possession of the item before the deadline. Then Best Buy tried to say that they were refusing the return because of unspecified " damage '' despite them authorizing the return and providing a shipping label for that exact reason. I opened a dispute with the company that handles the Best Buy credit card ( Citi ) on XX/XX/2022. It seems Citi did not do a good job researching this dispute. They closed out the dispute without getting all of the facts from Best Buy. Best Buy claims they denied my return for the reason they authorized my return in the first place. Best Buy claims they returned the item to me, however did not provide a tracking number to Citi during the dispute. There is a tracking number XXXX that they provided me showing that Best Buy has been in possession of this item while still denying a refund.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 50131
Submitted Via: Web
Date Sent: 2022-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-31
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I checked my credit report as I usually do and noticed a Home Depot credit card opened in my name, with a {$500.00} limit, and someone spent {$450.00} dollars on it in XXXX of 2022. They made a payment of {$31.00}. I came here to report it as fraudulent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95965
Submitted Via: Web
Date Sent: 2022-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A