Date Received: 2022-12-23
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: I was looking to purchase a Mattress for me and my husband in the month XXXX, XXXX. I had excellent credit because I try my best to keep mine and my husbands credit scores as high as possible, because credit is something that lives with you forever, and it comes in need very often. I didnt have all the cash to purchase the mattress that I was buying so the sales person offered me a credit card with benefits I could not refuse. I was told this credit card has absolutely No interest charges on any purchases for 12 months. I told my husband if he agreed because he was with me and we both agreed it was a good deal. The sales person ran my credit and approved me for a {$5000.00} limit and No interest on any purchases for 12 months, which would be XX/XX/XXXX. We purchased the mattress that we wanted, the total price was about {$1500.00}. And the first payment would be due in a month. A week or so later I received my credit card in the mail. Every month when my payment would be due I would make a payment of {$500.00} at the least. The minimum payment amount would only be {$55.00} or {$60.00} dollars. But Id always pay way more. Every now and then Id make a purchase online for something I needed or for my kids, or Id pay to get diesel in my truck. There were many times when my card would decline at the gas stations. Id call the credit card company, even though they would completely verify me and falsely tell my the card is working now, my credit card would Not work it would continue to decline, even though I would be way below my credit limit, still decline. I was put this this situation about 7 times. These were the worst of my days. I had never felt so helpless and embarrassed as this credit card put me in. Even late at night when driving home from work my card would decline at the gas pump. Id have to wake my husband and ask him to XXXX me some money to the bank account. Even he would be so disappointed because I would pay so much extra money every month on time towards my credit card and way below my limit and on top of that I had set my account up for Auto Pay. So they were sure that they would be getting there payments. A few times in XXXX month I used my credit card to pay for diesel fuel at the gas station, so my balance was up pretty high, still though I was not behind on payments or had not made a late payment or anything like that, I had auto pay set up for the minimum payment plus {$500.00} every month. So when my payment was due, the minimum amount plus {$500.00} was taken out plus another payment for over {$5000.00} dollars. Literally over {$5000.00} dollars taken from my account without my consent or knowledge, I new nothing about this. This money was there to cover the expenses for my truck insurance, {$1600.00} a month and truck payment which is {$3000.00} dollars a month. Now its gone, I couldnt use the card, they turned my card off and took the entire balance from a customer that was making every payment on the. There was a time when I made a {$2300.00} payment just to bring my balance down. After they took the {$5000.00} dollars out of my bank account, I called them several times literally begging them on the phone to return my money because my other important payments would get returned and if my business insurance gets returned, then my insurance will cancel which would then cancel all of my operating permits. The only reply I received from every customer support agent was we cant return any money at this time if anything, the system will possibly return it in 7 to 10 business days. I was broken hearted, the worries that this credit card put me in were outrageous. I am a mother of XXXX children, I manage my own XXXX and feed my children by myself because my the great husband that I have is XXXX. His XXXX XXXXXXXX XXXX XXXX in XXXX due to the fact that if he had kept his XXXX, he would of been XXXX XXXX XXXXXXXX XXXX. Thank XXXX he made the correct decision. After the credit card company withdrew all my money, {$500.00} dollars plus the minimum payment plus another {$5400.00} XXXX XXXX XXXX XXXX dollars, my bank charged me multiple fees for returned checks. I managed to get buy with the help of my father in law. He helped me pay for my business insurance and business payment. It had been about 15 days and by then next months payment was due. I couldnt believe my eyes when I opened my statement. This credit card company falsely claimed to have returned the {$5400.00} dollar and added that amount to my balance plus interest. I was no interest for XXXX entire year when I applied for my credit card, but the credit card company broke the contract rules because of there own doing, adding over {$5000.00} to my balance refusing to remove the interest. With the interest add my new payment was {$2400.00} dollars. This credit card company was literally robbing me. I should have No interest for XXXX year which should of been added in XXXX of XXXX, and an extra {$5400.00} dollars added to my balance. I literally cried for 3 days. Because I didnt know what to do. I was completely being taken advantage of and couldnt do anything about it. I made a payment of as much as money that I had at the time. I made a late mortgage payment for the first time in 13 years because of this credit card company. I searched online for someone to call that would help me. I found this website and here I am pleading my innocence. I had a credit score of close to XXXX, before I opened this credit card, I am to scared to even look up my credit report. I XXXX XXXX, a wife and a mother of my children am writing to you on behalf of what this credit card company has done to me and will continue doing unless I receive help. I will upload all the statements that I have received showing the payment amounts that Ive made and the negligence that this credit card company has been doing to me. I will provide you with any documentation of information that you ask me for. I am asking for your support so that I can prove to you how much advantage this credit card company has taken from me and my family. All the money that Ive already paid this credit card company and so much more they are taking from me. Please help me get some of my money back, You will be rewarded some day for giving me the chance to prove how much advantage was taken from me. Thank you very much
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95212
Submitted Via: Web
Date Sent: 2022-12-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-22
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I am writing to report that Citibank has failed to return a credit balance in my Citibank Visa XXXX ending in XXXX in the amount of {$54000.00} as a result of an overpayment I made on XXXX due to a decimal point error. I reported the overpayment to Citibank on XX/XX/2022 and a three-way phone call with XXXX XXXX XXXX confirmed the transaction and the overpayment from my checking account on the same day. I have since made daily follow-up phone calls to Citibank for an update of my request but to no avail. I had a scheduled telephone appointment with XXXX XXXX no last name given ), XXXX of the customer service managers, at XXXX on XX/XX/2022 but I did not receive a phone call. Pursuant to Customer Financial Protection Law, 12 CFR Part 1026.11 ( a ) ( 2 ), when a credit balance in excess {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer. CitibankXXXX delay in refunding my overpayment has caused a tremendous financial burden to me requiring me to take out a loan to maintain cash flow.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94030
Submitted Via: Web
Date Sent: 2022-12-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-21
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: They only credited XXXX and that not right for not crediting XXXX more dollars
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43081
Submitted Via: Web
Date Sent: 2022-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-21
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: To Whom it may concern, The complaint is regarding the Citi bank product related to Saving account. Summary : Opened the saving account with the promotion of {$300.00} deposited after maintaining certain cash balances for period of time, which I maintained based on the company guideline. After multiple attempts and conversation with Citi bank Rep. they could not deposited the promotion fund ( {$300.00} ) in my account and wasn't able to assurance that it will be deposited in a timely manner. In summary it appears that the promotion is just used to capture the customer 's attention and obligation to provide the promotion balance is not taken seriously. I would like your help to resolve this issue and help other customers who is facing this kind of similar issue. Thank you CFBP for the support. Communication timeline : XXXX. XXXX : XXXX. XX/XX/2022 : Reported the issue with Citi Bank XXXX. XX/XX/2022 : Supervisor : XXXX Manager XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02184
Submitted Via: Web
Date Sent: 2022-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-21
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I made a payment to settle this account on XX/XX/2022 and its still reporting and I have disputed with Citibank to tell them I had already paid and settled this account and its still reporting the same
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35405
Submitted Via: Web
Date Sent: 2022-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-21
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I notified companies that these inquiries was not authorized by me. The inquiry was applied without my consent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2022-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-21
Issue: Took or threatened to take negative or legal action
Subissue: Collected or attempted to collect exempt funds
Consumer Complaint: On XX/XX/2022 the original creditor sent a letter stating they are not actively collecting the debt. Someone other than listed collector now owned the account, and that they were not collecting on the debt. On XX/XX/2022 the original creditor sent a letter stating the statute of limitations has passed, and again stated they were not collecting the debt. They did however ask me to send them money. They also said they were putting a statement on my credit report. I am against any statement on my credit report from entities with conflicting reporting practices. It's past the statute of limitations as they have acknowledged. Social Security income is exempt anyway. Account should be closed like the other Citibank account. On XX/XX/2022 collection agency told the CFPB they have " closed the account and removed any associated credit reporting tradelines '' but they did not as of XX/XX/2022. 15 U.S.C. section 1692 ( e ) of the Fair Debt Collection Practices Act states the threat to collect a debt you have no intentions to collect is a violation. Close and remove tradeline as stated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10025
Submitted Via: Web
Date Sent: 2022-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-21
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: My name is XXXX XXXX. In XXXX, my Identity has been stolen, so the same XXXX people used my information and opened many accounts at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Macys credit card XXXX XXXX Massachusetts. l got those bills in XXXX. I reported to the local police department and the Identity XXXX. I reported the fraud claim to the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX verified my pieces of information and were settled and solved. For the Macys credit card ( XXXX ), the total amount is {$20000.00}. l claimed on the phone in the middle of XXXX. I got a letter from Macys responded in XXXX, said that they need investigation for this case without asking any identifications, personal information. In XX/XX/XXXX. I got the letter from Macys credit card company, it said that we have determined that l am responsible for the charges in question from the completed investigation. How could Macys credit company without requiring any informations from me and determining l need to responsible the bills. Please help me to solve this issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 021XX
Submitted Via: Web
Date Sent: 2022-12-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-21
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: On XX/XX/XXXX, I made a purchase at Best Buy ( XXXX, Tx ) for {$6000.00}. I opened the CitiBank/Best Buy credit card at the store. I did so with the intention of saving 10 % on the purchase. You get 5 % rewards and then an additional 5 % if you made a purchase within 15 days of card opening. I inquired about my rewards balance by calling the credit card # and they forwarded me to some rewards department. The rep at the office said I opted for the promotional no interest offer and there was nothing that could be done. I did not opt for any no interest offer. I did not submit the application on my own, it was submitted by a rep at the XXXX, Tx location. I chose " No '' for everything that appeared on the screen on my end. I paid my full balance within a week and do not care for this offer. I just want my rewards balance reflected in my account. Also, my credit score went down XXXX points because of this offer. Not sure if they turned it into a loan or what? Never opening a new card again after this terrible experience. I believe Best Buy/Citibank voluntarily put customers into the promotional no interest offer to avoid paying the rewards offer. I would not be surprised if hundreds of other customer fell into this trap as well. Best Buy/Citibank need to do right by me and correct their mistake.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 751XX
Submitted Via: Web
Date Sent: 2022-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-21
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Fraudulent account open on my name.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33162
Submitted Via: Web
Date Sent: 2022-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A