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
Date Received: 2022-12-26
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: My father passed away on XX/XX/2022. I informed Citi of his passing by telephone on XX/XX/2022. Citi alleged they would contact me for further steps, but never did. I contacted Citi again and they requested a fax including a death certificate, living trust documents, and a letter of intent. I faxed all of the above to Citi on XX/XX/2022 and confirmed receipt on my end. I called the next day and confirmed they had received it. The letter of intent included instructions to close all accounts, including a checking account and a savings account. Citi sent me a letter on XX/XX/2022 alleging that they had " frozen '' my father 's checking account. On XX/XX/2022 Citi processed a withdrawal to a third party from the checking account despite their allegation that the account was closed. This amount was {$240.00}. On XX/XX/2022 Citi charged a {$4.00} service fee to my father 's savings account. It as now been a month since my father has died. Citi has not contacted me once to indicate they have taken any action. I have only received a form letter with a false statement that my father 's checking account was frozen. Citi is continuing to charge fees and process transactions for both his checking account and his savings account in violation of 4 CFR 4.405.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98102
Submitted Via: Web
Date Sent: 2022-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-25
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: CUSTOMER : XXXX XXXX XXXX XXXX BANK : CITIBANK N.A. NUMBER DEBIT CARD : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX TYPE : CHECKING In XX/XX/XXXX I made a deposit of a check for an approximate value of {$900.00} dollars through the CITIMOBILE app. It is a completely legal check and CITIBANK proceeded to block me, freeze my financial product. I request that you intervene to cancel the account and return the money to me. It is a completely legal check and it has already been credited to my account. In the financial institution they do not give an answer and they have withheld the money from me. XXXX XXXX XXXX XXXX XXXX : XXXX EMAIL : XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11717
Submitted Via: Web
Date Sent: 2022-12-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-25
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: This account has never been late
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46815
Submitted Via: Web
Date Sent: 2022-12-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-25
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: Back in XXXX of 2021, I bought a XXXXXXXX XXXX XXXX XXXXXXXX. I had to send it back twice within 2 months of receiving it at a cost of around {$10.00} shipping each time. Every time, XXXX told me it was my fault for one reason or another but they would repair it and send a new unit. After the second time, I told XXXX to keep the XXXX and just refund my money. They did not, they sent it back broken. I filed a dispute with Citi and gave them the reasons. No where on their dispute site was I able to forward emails of the communications with XXXX. I did not know they asked for additional information until after the time limit had passed when I logged in to make a monthly payment. They also did not provide the merchants response or send my any kind of prior notification by US mail or email about needing more info. The only email I received was from XXXX where they showed the tracking number where XXXX had returned the amplified. On another instance, I had an issue with XXXX phone service. Not sure what happened but my equipment quit working and I had no dial tone. I did not know XXXX kept charging me monthly fees for service I did not have. Citi refunded all the monthly charges except one month for the same reasons but somehow needed more information about the one month. Again, I was not notified. This seems to be a pattern of negligence on Citi 's behalf. They are not protecting the financial interest of their customers. You can do whatever, but I will be suing citi and MasterCard over this. Thank you!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29072
Submitted Via: Web
Date Sent: 2022-12-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-24
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: I rented a car from XXXX XXXX between XXXX and they claimed that I was responsible for damage to the windshield. In the process, XXXX overcharged me on XXXX occasions : XXXX. The first time was during the checkout process. Attached is the receipt showing the charge breakdown which results in a XXXX euro overcharge. File name XXXX. XXXX. Also attached is the repair invoice from XXXX ( file name XXXX ) showing the cost of repair was XXXX euros for a total of XXXX euros with tax. XXXX charged me XXXX euros for a total of XXXX euros with tax. This means there was an additional overcharge of XXXX euros. Total : XXXX + XXXX = XXXX euro overcharge. I've disputed this multiple times with Citi through their website/app ; however, they have not done anything. They perform their investigation and then just respond by saying that I am responsible without really providing evidence or details. They also stated that overcharging is not considered fraud and hence they are not responsible for resolving the issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22042
Submitted Via: Web
Date Sent: 2022-12-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-24
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: My complaint is ethical in nature. I believe this credit card processor is purposely applying payments in a way that benefits them, and hinders the ability for the borrower to pay down balances. The company is Citibank. I have pointed out this practice with them in the past, yet they continue to apply payments in a way that harms the card holder. Citibank repeatedly sends promotional balance transfer offers and checks. On occasion, I choose to use their 0 % offers to pay for certain things, retain cash, help a friend, etc. in this uncertain time we are living in. As of XX/XX/XXXX, I had 3 such offers on account. They typically are 12 months in duration. Every month I pay minimum balance, usually plus some additional amount, to keep credit good and avoid any fees and high interest, etc. I had one offer that was expiring on XX/XX/XXXX that had a balance of {$1900.00}. I had another that expire in XXXX of XXXX in the amount of {$2300.00}. I have a third that expires in XX/XX/XXXX in the amount of {$8000.00}. I contacted them in late XX/XX/XXXX just prior to paying my expiring balance of {$1900.00} because I noticed that they were applying my minimum monthly payments to my promotional balance that was expiring the furthest in the future, the {$8000.00} balance. This would make the most current promotional balance, the {$1900.00} balance more difficult to pay, and they would then be able to apply all accrued interest, and begin charging 29 % interest on any unpaid promotional balance. This is a terrible practice! I pointed this out to them, and they refuse to make any adjustments to the balances. Furthermore, when reviewing my balance this month, I notice that they did exactly the same thing with my {$1900.00} payment that I made in XX/XX/XXXX. They applied the {$1900.00} payment that I made to my {$2300.00} balance, and began charging me 29 % interest on the {$1900.00} promotional balance that was meant to pay the remaining balance in full by the XX/XX/XXXX promotional expiration date. I am working with them to fix this issue, however, I am certain that they will do the same thing to my other promotional balances, and that they are doing this to many, many other customers. Under Citibanks payment model, it would make it difficult to every pay this balance off with them not charging 29 %, which is their goal, and again, a terrible practice.
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: 2022-12-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-24
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: The following fraudulent charges were made with my Citicard : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I immediately reached out to Citi when I was alerted of unusual activity. I gave them all the above information. I have followed up multiple times to check and see if any more information is needed from me. On XX/XX/XXXX, I was told that the investigation was closed and I was responsible for all of the above charges. They said there was insufficient evidence of fraud. They told me they closed the investigation because I missed a single phone call attempt from them. I missed a single call on XX/XX/XXXX ( XXXX ) from the fraud department. A voicemail was left but the message was not clear. I could not identify a callback number. I immediately called the Citi number listed on my credit card within an hour of the missed call. I spent about an hour on the phone with a Citi representative ( on XXXX ) detailing the missed call I received and the voicemail requesting I call to give more information. I was told by the Citi representative that no information was needed from me and that the investigation was ongoing. The representative from the fraud department on XX/XX/XXXX told me I was at fault because I spoke to the wrong department. He also said I was at fault because I did not attempt to contact each of the above companies to inquire about these fraudulent charges and attempt to resolve the matter with each company myself. I spoke with a different representative that same day ( XX/XX/XXXX ) and was told they are reopening the case. But as of today, their website shows that the investigation is closed and I am responsible for the upwards of {$3000.00} worth of fraudulent charges. It has been XXXX billing cycles. I attempted to call today and the automated service also states the investigation is closed. A Citi representative told me there is no one from the fraud department I can speak to today and that she can not provide me any information about fraudulent activity. I have been great customer for Citi for years. This is my primary credit card and I use it daily ( Though I have not used it since the fraud occurred ). I pay all my bills on time. The charges above are so obviously not in line with my spending activity. They are obviously fraudulent. I feel extremely helpless and vulnerable right now.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92037
Submitted Via: Web
Date Sent: 2022-12-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-24
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: I got a withdrawal check at XX/XX/XXXX of {$250.00} from Citi bank. The check date is XX/XX/XXXX. I didn't even know the person who cash my check. Plus it's from XXXX, Citi bank shouldn't let them cash it anyway. I call Citi to fix the case. Yet, until today, there's no response.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94134
Submitted Via: Web
Date Sent: 2022-12-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-24
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I received an offer from Citi about 6 months ago to open a checking account and deposit at least {$50000.00} to receive a {$700.00} opening bonus. I opened this account within promotion period, deposited funds within 20 days and maintained my balance for at least 60 days. Citi said " If you are eligible and fulfill the required activities, the Cash Bonus will be paid within 90 days after you successfully complete all required activities. " The last day to credit my bonus was XXXX XXXX, 2022, however, the bonus did not show up in my account. I reached out to them via chat and the first agent said she saw that I was supposed to get it and opened a case and it will take up to 5 business days to solve, case # XXXX. After waited for 6 business days I still see no change, so I reached out to Citi via chat again, second agent said wait up to 8 days and said I had to call and he can not do anything about it. The phone agent said I need to wait up to 20 business days to hear back and she can not do anything with it. This is nearly a month after the promised latest day to receive my bonus, Citi was trying to trick you to put your money in then make you wait forever. Those 3 agents did nothing but kicking the ball around. Here 's the chat history with the 1st agent : Customer Message I am contacting you because I wanted to find out why I have not received my cach bonus offer amount that I was offered when I opened my checking account. Read XXXXXXXX XXXX Agent Message Yes I am also good thanks for asking. Need not to worry let me check this for you, allow me 2-3 minute. Please stay connected. XXXXXXXX XXXX XXXXXXXX Customer Message ok. thanks Read XXXXXXXX XXXX Agent Message XXXX I would like to tell you that you are completed all the criteria for bonus and I apologies for the inconvenience caused to you that you still not receive the bonus let me quickly raise a complain so you will get your bonus XXXX soon XXXX possible. XXXX XXXX - XXXX Customer Message Ok. Great. Thanks Read XXXX XXXX Agent Message Before we process this request, can I confirm with Yes or No if your contact information on records is updated? ( such as your account address, phone number and e-mail address XXXX XXXX - XXXX Customer Message Yes. The contact information is correct. Read XXXX XXXX Agent Message Thanks for confirming please allow me some time. XXXXXXXX XXXX XXXXXXXX Customer Message ok Read XXXX XXXX Agent Message Thanks for waiting XXXX. Your request is being passed for further research regarding your dispute. The investigation may take up to 5 business days. Responses will be sent after case completion. XXXX XXXX - XXXX Customer Message Sounds good. Is there any reference number you can provide me? Read XXXXXXXX XXXX Agent Message here is the reference number for you XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02155
Submitted Via: Web
Date Sent: 2022-12-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A