Date Received: 2024-01-28
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, submitted via phone a dispute related to an issue with an XXXX transaction where I was bitten by multiple bed bugs, and the merchant, XXXX, was non responsive to my complaint. In late XX/XX/XXXX, I received a letter and merchant 's response to dispute that only showed information to support the fact that I stayed at an XXXX property, which was not the basis of my complaint. My complaint ( dispute ) rather centered on service not as described. Submitted a rebuttal on XX/XX/XXXX, that included photos of the bed bites, advised that merchant had not responded to my complaint, and argued that merchant 's response did not address my complaint of bed bugs. On XX/XX/XXXX, I received a letter from Citibank that my dispute did not quality for dispute. However, this was not relayed during the initial dispute submission and is a violation of the Fair Credit Billing Act, that allows for disputes to be submitted for quality of goods not meeting that as advertised.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-28
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I have a Citibank world elite card. I received advertisement for a 0 % balance transfer. I called and asked several times that if I paid off my balance then transferred another balance is it saying there will be zero interest on the new balance. I looked at my statement on XX/XX/XXXX only to find interest charges, one standard and one Pur not sure what the extra charge was for. I called and spoke with a manager from Kentucky location name XXXX employee number # XXXX. He said that even when I paid my balance in full because my balance was not paid in full in XXXX it carried over and I was being charged for XXXX balance. I was under the impression whatever balance is shown on your credit card and you pay it in full you avoid interest. That is how every card Ive ever owned operated. My credit card payment is due on XX/XX/2024 I paid off the entire balance on XX/XX/2024, I did a balance transfer that posted on XX/XX/2024 and two interest charges in the amount of XXXX} and XXXX was charged on XX/XX/2024. They claimed it was nothing they could do the charges were valid. I feel robbed!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30311
Submitted Via: Web
Date Sent: 2024-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-28
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: Spent {$3000.00} at Macy 's for Platinum status and confirmed it. Now says Gold status. Should be Platinum status especially after I confirmed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 115XX
Submitted Via: Web
Date Sent: 2024-01-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-28
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On the XXXX of XXXX I made an online payment to my citibank Home Depot credit card. According to there website payments made by XXXX will be posted on that day. Unfortunately I was charged prematurely on the XXXX of XXXX a late fee of {$26.00} because the payment was still processing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77034
Submitted Via: Web
Date Sent: 2024-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-28
Issue: Opening an account
Subissue: Account opened without my consent or knowledge
Consumer Complaint: Someone had two access accounts in my name ending in XXXX & XXXX and a savings ending in XXXX. I did not open this at all I was not even XXXX XXXX XXXX it's no way that I could've had an account by myself.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 18045
Submitted Via: Web
Date Sent: 2024-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-28
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I would like my {$5600.00} debt removed from CITI bank on my credit reports.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32223
Submitted Via: Web
Date Sent: 2024-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-28
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I have a checking account with Citibank in which I have had my direct deposit linked to since XXXX of XXXX, and use on a regular basis. On XX/XX/XXXX I deposited a check issued by the IRS in the amount of {$3700.00} using the mobile check deposit feature on my Citibank account. A few days later, I tried to log into my account and it was locked. I called the number on the back of my card and after verifying my account, they transferred me to the fraud department where the agent stated that my account was being closed and that I could no longer use my debit card or access it. When I asked why, she said she could not tell me why and that in the account holder 's policy, states that they have the right to close my account at any time without a reason necessary. I asked when I will get the funds that I have in the account she said in 60 days they will close my account and I might be able to get a check after that for my funds but that it's up to them if they give me my money or not. I asked to speak with a supervisor and she refused. After a few days of panic, I was able to obtain a number for the Citi Executive Response Unit and reached out to them. They responded quickly but have yet to find a resolution. They asked me to supply copies of my tax document in case it helps. I did that but still can't get an answer. My utilities have given me warnings, I am a single mother of XXXX of my children XXXX and I can't even feed them at this point. My vehicle will be repossessed in a matter of days, I don't have access to my paycheck because I went to that account. I am scared and at a loss of what to do now.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NM
Zip: 88310
Submitted Via: Web
Date Sent: 2024-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-29
Issue: Problem with a company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: Dear Sir/Madam, This is XXXX XXXX . I want to bring the attention that I was cheated by Costco. I purchased XXXX tires of XXXX company for XXXX XXXX XXXX XXXX on XX/XX/XXXX, from Costco located XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX with a warranty of XXXX miles. But the threads of all tires have gone only after XXXX drive. I had been to Costco a week back for tire rotation. They never told me anything was wrong with the tires. Air Pressure sensor was also going on and off. Costco told me they have repaired the tires, and it should not happen again. But the very next day sensors were on again. I showed it to XXXX more tire center they advised to get the tire change as the threads were worn off. I got it does from Costco and it was replaced with XXXX company tires. I asked them to refund or do something as the car had just covered around XXXX, but they refused and asked me to contact XXXX. I did contact the tire company. Now, they told me to contact Costco. Where will the customer go if both retailers are blaming each other. I ran in so much of loss. I am looking for refund. I am attaching the warranty and Costco tires bills. Kindly help me resolve it to get the refund based on the warranty. Thanks in advance for your kind support and cooperation. With best regards XXXX XXXX, Email : XXXX, Phone : XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30041
Submitted Via: Web
Date Sent: 2024-02-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-28
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I have been a customer of Citibank XXXX XXXX for XXXX years. Around XXXX, the investment manager of this branch persuaded me to hand over about XXXX XXXX XXXX dollars of funds to his management, and he did not hesitate to treat me to dinner often. In less than 10 years, more than half of the capital was lost. I immigrated to XXXX in XXXX. This account has not been updated with bank cards in the last 7 years or so. Therefore, the account can not be used and I can not log in online. Citibank also requires me to fill out a XXXX form and have it notarized by a lawyer every year to prove that I am still alive, for which I also spend nearly XXXX XXXX dollars in notarization and mailing fees every year. Over the past few years, I have called Citibank many times and asked to close my account, but I was always promised on the phone that it would be closed, but no action was taken. On XX/XX/XXXX, I flew from XXXX to New York to handle this matter. At this time, the original account manager no longer accepted me. I queued for an hour and a half and was received by a female staff member ( name unknown ). Got me. It replied to me that the XXXX government document required to change the English name after naturalization in XXXX is not recognized by the United States, so the account can not be closed. To do this, I showed her all the documents and certificates ( expired bank cards, checks, bills, US driver 's license, social security number, XXXX passport, driver 's license, etc. ) After half an hour of discussion, she asked me to order a check and promised to send me the bank card. I paid over {$90.00} for this. However, when I returned to XXXX, I only received XXXX books of about XXXX checks and no bank card, so online banking was still unable to be opened. This meant that I had to fill out and mail the XXXX form to Citibank every year. There is no need to order these XXXX checks, because I still have checks from this account, which are valid. When she was verifying my identity, she also asked me to show my previous checks, which were kept on her desk for about half an hour. I was very angry and reported it to Citibank. Its investigators called me back and decided to refund more than XXXX XXXX dollars and send me a new bank card. However, his supervisor ultimately vetoed it. A few days ago, I received a new bank card, but I can't open an online bank account yet. The card seems to be invalid. The XXXX branch lied repeatedly when responding to its internal investigation, saying that it had not seen my bank check. I asked her to review the bank surveillance video, and then she had to admit that I presented her previous check. I want to say : Why do Citibank branches treat the same customer with completely different attitudes? Is the service attitude determined only by the deposit amount? The decrease in the amount of deposits in this account is related to their investment failure. Now, they persuaded me to close the account, but I don't agree and will refer the loss of investment to a lawyer. The lady ordered a check for me for more than XXXX yuan even though she knew I had a valid check. This was an unscrupulous deception for profit. I ask you to instruct Citibank to refund the XXXX {$90.00} I paid for the check, US {$3000.00} for round-trip air tickets and accommodation, and compensate me for XXXX yuan in mental losses.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-28
Issue: Problem caused by your funds being low
Subissue: Bounced checks or returned payments
Consumer Complaint: I filed a dispute for two {$500.00} charges and one {$1000.00} charge in my account because I had gotten scammed. The scammers sent me a check through the mail which cleared through my bank for two whole days which prompted me to believe it was a real check since the balance of my account reflected that. I filed this dispute on XX/XX/2024 and has been calling for any updates since no one has tried to contact me for any proof of the event and then I got a letter in the mail around XX/XX/2024 saying that I am not eligible for a reimbursement because my account reflected the transactions. First of all, I just opened my CitiBank account not even a year ago ; in fact I did not even have a XXXX account under the bank account until the same day I sent the money to the scammers. Second of all, I have never sent such large chunks of money out of my account ever since I opened it. And lastly, I have never received a check larger than my normal paychecks of {$1000.00} deposited into my account. I have explained the situation to multiple agents and they would promise to connect me to an agent but then they would hang up and I would have to call again and redo the entire thing. No one has ever reached out to me during this entire " investigation ''.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93612
Submitted Via: Web
Date Sent: 2024-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A