Date Received: 2022-12-27
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: On XX/XX/2022, Citibank Mastercard credited my account for {$51.00} in fraudulent interest charges. In its XX/XX/2022, bill, Citibank then charged me {$30.00} in new interest for failing to pay the {$51.00} that it credited to my account weeks before the XX/XX/2022, XXXX was due in early XXXX. This the the fourth month that Citibank has tried to pull the same scam : 1 ) give credit ( s ) ; 2 ) disregard credit ( s ) for purposes of determining interest due ; 3 ) charge interest not due Each time, they credit my account and then disregard the credit ( s ) when determining if I paid my " monthly balance '' You closed my prior complaint for prior fraudulent interest charges by Citibank with no investigation. I see we gave your agency about {>= $1,000,000} in XXXX 2022 to " protect '' us from scammers, like Citibank, an habitual offender. I await your response with interest. Next month, Citi will likely try this scam again because I will not pay any amount fraudulently placed on my bill - sent by the Internet and U.S. Mail with, at a minimum, reckless disregard for its accuracy - arguably wire and mail fraud - " predicate acts '' under R.I.C.O.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 440XX
Submitted Via: Web
Date Sent: 2022-12-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-27
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: About a month ago, I made a transfer through XXXX from my Citibank checking account to another one of my accounts. I believe this prompted a security alert that has made it impossible for me to access my account. I have tried to verify myself with Citibank by providing my bank balance, my social security number, the last four digits of my checking account, the reference number on a letter sent to me by Citi, and my card PIN. I believe the problem stems from that my phone number has changed and they can not verify me to that old phone number. I recently XXXX XXXX XXXX XXXX XXXX, and when I did, I called Citi to have my phone number changed to my new number. However, Citi told me it was impossible to change to a non-US number and assured me it would not be a problem to keep my old number associated with my account, even though I didn't have access to it anymore. Citibank has my life savings and has not let me access it for over a month. I just want my money at this point. Barring one office for corporate clients, there is no Citibank in the country where I am living ( I have tried to approach their corporate office and they rejected seeing me ). And even though I am back in the US for the holidays, the closest Citibank is a long plane ride away. I just want my money. PLEASE HELP!!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: HI
Zip: 96822
Submitted Via: Web
Date Sent: 2022-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-28
Issue: Took or threatened to take negative or legal action
Subissue: Collected or attempted to collect exempt funds
Consumer Complaint: I visited a branch in IL regarding my XXXX Citibank account to reconcile the account which was overdrawn by {$19.00}. I was told that the account was closed, then received an email attempting to collect {$52.00} for an account that I was prevented from reconciling due to Citibank 's procedures. This is predatory and discriminatory. As a person with XXXX currently in litigation, this is not what I expected.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20020
Submitted Via: Web
Date Sent: 2022-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-28
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/2022, I came to Bestbuy at Address : XXXX XXXX XXXX XXXX, XXXX, OR XXXX. I walked in and purchased 4 of {$500.00} XXXX XXXX using my Citi Bestbuy Credit card. On the following day which is XX/XX/2022, I came to XXXX XXXX at XXXX XXXX at Address : XXXX XXXX XXXX XXXX, XXXX, OR XXXX. I attempted to purchase XXXX XXXX XXXX on the releasing date. When the representative scanned my XXXX XXXX, He said my giftcard was marked as fraudulent and it contains suspicious activity, so I have to perform an online order. However, I tried to place order on XXXX website for the XXXX XXXX XXXX XXXX, it showed me authorization failed several times for both 4 giftcards that I purchased. I tried to contact XXXX at XXXX phone number, they didn't solve my issue at all, all they did on the phone is transferring me between agents. I have done contacting them every single day over 1-2 months and my problem still hasn't solved. Each day, I spent 10 hours contacting them and it makes me frustuated. I attempted to bring the gift card to XXXX store where I purchases for returning, and the refused to take it back. I ended up filling dispute on Citi Bestbuy Creditcard when my brother suggested me. The first time I called in for a dispute was submitted on XX/XX/XXXX, they closed my case without giving me any reasons. I resubmitted the dispute on XX/XX/XXXX, they gave me credit back on my account on XX/XX/XXXX, and they took the money again on XX/XX/XXXX with a reason " No response for dispute ''. I called in bestbuy credit card multiple times, and I didn't get the right agent each time when I contact. they keep forwarding me to bestbuy store agent, and that agent couldn't help with my dispute concern. I really feel frustuated by trying to solve this problem. {$2000.00} is my hard earned money for the XXXX, and I want to get them back that's why I want to submit a complaint on consumer finance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97236
Submitted Via: Web
Date Sent: 2022-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-28
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I visited a branch in XXXX regarding my DC Citibank account to reconcile the account which was overdrawn by {$19.00}. I was told that the account was closed, then received an email attempting to collect {$52.00} for an account that I was prevented from reconciling due to Citibank 's procedures. This is predatory and discriminatory. As a person with XXXX currently in litigation, this is not what I expected.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20020
Submitted Via: Web
Date Sent: 2022-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-28
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: On XX/XX/22, my pre-paid credit card had a credit of {$2700.00}, I had called citi bank to request a ACH back to my checking account. Today is XX/XX/22 and I still did not get my refund.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11214
Submitted Via: Web
Date Sent: 2022-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-28
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Hello, I have an inquiry on my citicard Cbna from XX/XX/22. I am unaware of why this is on my account.
Company Response:
State: CA
Zip: 92102
Submitted Via: Web
Date Sent: 2022-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I received letter from Citibank Client Services, XXXX # XXXX, that I requested a new Citibank account. I did not request to open an account with Citibank, so I called the phone number in the letter. I gave Citibank the file number on the letter, but it still wanted my social security number and all my other personal contact information to make a report, and I refused. I was told I needed to contact the FTC to file a complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45503
Submitted Via: Web
Date Sent: 2022-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-28
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/22 an unauthorized XXXX was deposited to my account from someone I know, I contacted the other person to let them know and to confirm if it was made by them or not because " someone from XXXX XXXX '' was calling to confirm I received it. They reported it to XXXX XXXX afterwards and I checked my Citibank account daily to make sure the money was withdrawn but instead both my checking and savings accounts were blocked on XX/XX/22. When I spoke to a customer service representative on XXXX/XXXX/22 due to them being closed for the holidays, they told me my accounts were in the process of getting closed and that my funds would be mailed to me within 30-60 days and that they could not provide further information. I called several times and asked to speak to a supervisor because I need money to pay rent, bills, and food for my daughter and myself but had no luck and was told one would call me. I tried calling again and twice the customer service reps hung up on me saying " your accounts have been closed and we can no longer service your accounts. '' I finally spoke to someone the last time I called and was told that as of XXXX/XXXX/22 my account was closed and that I wouldn't receive my funds until 30-60 days from that date and that they were not authorized to provide any information but that I would get a letter stating why.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91405
Submitted Via: Web
Date Sent: 2022-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I purchesed technical support membership for {$210.00} from Best Buy on XXXX of XX/XX/2022 and canceled it within 2 days on XXXX XXXX. After cancelation they supposed to do complete refund back to the same credit card that was used for payment. I received phone calles from Citi Bank stating that I owe them money. I explained the situation to the representative and requested Bank to dispute this transaction for cancelation of membership on time within the BestBuy store policy. The bank accepted my statement and started the dispute process with the Best Buy store. After 3 weeks I received a letter from Citibank stating that the Best Buy store sent to me check on XXXX of XX/XX/2022 and now Citi Bank adding extra late fees with interest charges untill today. Unfortunately the dispute was closed based on Best Buy statement. I called again to Citibank and Best Buy store and explained them that I never received any check from the Best Buy store as they stated but no one wants to listen me. By calling again to the BestBuy store customer service and explaining situation, they created cases based on my complaints and provided me with reference numbers below by confirming that the check that was sent to me was never cashed. I kindly asked Best Buy representative to cancel the check and arrange full refund back to credit card. But representative said that Best Buy store again wants to send me a check to my home address and refuses to make return to the BestBuy Credit card. It is ridiculous. I spend hours and hours on the phone to finish it since XXXX of XXXX. I went to Best Buy store to speak at least with a life person in the store to ask if they their system if they can assist to finish it. But store manager said that the only office can handle it and that I only need to call again and again there to continue request for the refund. I really tired from this. Please assist.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11229
Submitted Via: Web
Date Sent: 2022-12-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A