Date Received: 2024-01-28
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: I noticed that someone stolen my identity back in XX/XX/XXXX and tried to open the credit card with Home Depot. The credit card was issued by Citi Bank, which is working with Home Depot for their store credit card. I don't know why Home Depot/Citi Bank did not stop this from happening, and this person spent a lot money using this credit card under my name. I found out very quickly, and I called Home Depot to get this fixed just a week after this person opened this credit card, also reported to the local police. The police came to my apartment and collected all data I can provide to them. Then Home Depot fraud department confirmed with me over the phone that they have this handles and I am not liable for any of the money spent from that credit card. They told me I do not need to do anything, but just wait. If they need further information, they will contact me. I provided all my contact information to them so that Hope Depot fraud department can find me if they need further details. And I never got any message or follow up from the police or the Home Depot fraud department. Then this week in XX/XX/XXXX, a guy from Home Depot credit card department called me and asked me to pay the credit card because their fraud department is showing this case is still 'Pending ', and they do not have a 'Solid proof ' that this credit credit is not applied by myself. I told him that this is identity theft, and I already reported to the police and the Home Depot fraud department about this. But still, this guy from Home Depot still said I am liable for this bill.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90713
Submitted Via: Web
Date Sent: 2024-01-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-29
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 I purchased tickets to go see XXXX XXXX perform. The event took place on XX/XX/XXXX the following year. Per the terms and conditions the ticket included a meet and greet, VIP access and a picture with XXXX XXXX. Additionally, the ticket included special merchandise that the VIP ticket included. Per the terms and conditions, we arrived on time to the event however, the event staff stated that we were not able to take a picture with XXXX XXXX and we were not able to collect the VIP merchandise. I called numerous times and followed up with XXXX XXXX however they refused to assist me and investigate. My credit card company also stated that the terms and conditions were and stated that I was in the wrong. I am really upset I had to put this much money down and not get what I paid for. I purchased 3 other XXXX XXXX tickets and didnt have any other issues.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91307
Submitted Via: Web
Date Sent: 2024-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
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: The credit card company refuses to request written proof from the merchant, showing that I allowed them to charge my credit card a second time for {$2800.00} and a third time for {$400.00}. Their argument is that I provided my credit card number over the phone on XX/XX/23, ONLY allowing them to charge {$3700.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34243
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: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Hello CFPB, I had opened a Personal Checking account with Citi Bank in Summer of XXXX. I funded the Citi Bank with a total of {$33000.00} in 3 separate transactions below from my originating bank, XXXX. I have also screenshotted these 3 transactions from my originating bank. XX/XX/XXXX - {$25000.00} wired via XXXX XX/XX/XXXX - {$7300.00} transferred XX/XX/XXXX - {$1000.00} transferred I was notified in the Summer that Citi Bank had shut down my account and that I would receive a check for the balance on my account. On XX/XX/XXXX, I received a check for {$1000.00} with a memo saying Closeout Disbursement. I have been contacting Citi Bank 's support and fraud line for weeks to try to recover my remaining {$32000.00} in funds. Every time I speak with them, they tell me that because the account was closed they do not have any information on the balance of the account and information on how I can get the remaining {$32000.00}. I was told they would contact the back office and provide me with an update within 48 hours, however that never happened. Citi also recommended me to go to a branch, however Citi doesn't operate any branches in Texas, which is where I live. I would really like assistance in recovering my remaining {$32000.00} in funds, as it is a large balance. I appreciate yours and Citi 's assistance with this matter. Many Thanks, XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75013
Submitted Via: Web
Date Sent: 2024-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-27
Issue: Closing on a mortgage
Subissue: Changes in loan terms during or after closing
Consumer Complaint: Citibank is not responding to my request for compensation of all of the money I lost due to unfair lending practices as well as my request for contact information and an address to send a certified demand letter. I am requesting compensation because the situation caused me to lose a substantial amount of money. This has prevented me from being able to try to purchase a home. On the last day of escrow on XX/XX/2023, Citibank Mortgage called me in the afternoon to tell me that I did not qualify for their Home Run Loan, which they had initially approved. This occurred at the end of a 45-day escrow and underwriting process. I was assured that I qualified for the loan. They then offered me two more expensive loans. I submitted a complaint in XXXX and Citibank refunded the {$800.00} application fee. However, I was unable to comfortably afford either of the two new loans offered. I was also unable to find a comparable loan to their program. As a result, I had to cancel the contract and I lost the money spent on the inspections, fees, and lost interest of {$1600.00}, as well as part of my earnest money deposit. The loan officer had assured my realtor and I that the loan was approved and would go through on XX/XX/XXXX, so the loan contingency was removed. The seller kept {$3800.00} of the XXXX. The total amount of money I lost due to this unfair lending practice was {$5400.00} in addition to a lot of emotional distress over the loss of that much money. I would not have spent any of this money if they had informed me when I first applied or after the first underwriting that I did not qualify for the Home Run loan program. Citibank responded to my first complaint, but I did not realize that I was able to comment on that response and I missed the window. I am still trying to recover the remainder of the money from Citibank that I lost due to their error or unfair practices. I have requested a name and address to send a certified letter to Citibank, but they have ignored my request emails and have not sent the information that I requested.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93004
Submitted Via: Web
Date Sent: 2024-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-27
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: I received three letters from two separate credit card companies letting me know my " application '' had either been denied or, in one case, they needed more information. I have freezes on my credit lines due to identity theft that took place in XX/XX/2022, so that was why the accounts were not able to be opened immediately. However, someone is trying again. Two notices were from Citi Cards and one stated that they were denying it because of multiple applications submitted. I haven't called them because there is not a phone number anywhere on either notice. One notice was from XXXXXXXX XXXX for a XXXX credit card. They are the ones asking for more information. In XXXX I received email notifications, so they were actually using my email. This time I haven't, so I assume they applied with a different email.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 152XX
Submitted Via: Web
Date Sent: 2024-01-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-27
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I was assessed a penalty fee for a late payment in XXXX of XXXX. Citi has not removed the penalty rate as of XXXX XX/XX/XXXX without any further late payments. They are unable to remove the pricing issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11233
Submitted Via: Web
Date Sent: 2024-01-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-27
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: We applied for the Citi Advantage card for a promotional offer to spend $ XXXX in XXXX months to receive XXXX XXXX XXXX XXXX. Both my and my husband 's credit card limit was set well below our other credit cards at {$5000.00}. When making a payment, the balance was only settled by 7-10 business days vs. posting next day. We, therefore, could not utilize the card for two to three weeks due to the lengthy settlement period. I work within banking and this is clearly a disparate impact issue as the bank arbitrarily sets lower card limits ( all of our other card programs have limits above $ XXXX ) that are quickly maxed out and has settlement terms on posted payments that are 5-7 business days longer than any other card company. Ultimately, we spent < {$400.00} less during the ninety days and did not receive the XXXX XXXX XXXX. Also, confusing was that they deducted the ~ {$590.00} membership fee from the total spend.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60605
Submitted Via: Web
Date Sent: 2024-01-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-27
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Citibank has blocked my account since XX/XX/XXXX for no apparent reason. I made a complaint earlier with CFPB and CitiBank responded saying the fraud department sent me a letter in the mail to confirm my account on XX/XX/XXXX and again on XX/XX/XXXX, neither of which I have received. I called the fraud department multiple times to confirm the letter was sent to my address on file and they refused to confirm whether or not this is the address they sent the letters to. My records show that my address was changed on XX/XX/XXXX, the same day I opened the account, but this is only because the banker who opened my account made an error with my address and had to be changed. So Im guessing the letters are being sent to whatever address the banker initially mistakenly put on my account. OR maybe they sent letters to one of my older addresses on my credit report. Ive filed a complaint with Citibank executive response unit and they basically told me they dont have any control over the fraud department and have no rapport with them and cant even call them. I have my life savings of {$55000.00} in this account which I can not access and this is jeopardizing my familys living situation as I am unable to pay rent without these funds. Citibank Account number : XXXX Account type : personal checking account Citibank Fraud department : ( XXXX ) XXXX I have filed complaint with Citibank Executive Response Unit at : XXXX extension : XXXX Reference number : XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91316
Submitted Via: Web
Date Sent: 2024-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-27
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: In XX/XX/XXXX, I received a telephone call from a representative of Best Buy XXXX, asking if I had made several large purchases, including airline tickets on XXXX and XXXX XXXX. I said " no '' and asked that those charges be cancelled and my account closed. The representative assured me that would happen and I did soon receive a new XXXX card in the mail. ( I never lost the original card. It was in my possession the entire time these fraudulent charges were made. ) When I checked my account a couple of weeks later, the charges were still there. I telephoned Best Buy Credit Services and sent an online letter via their website, protesting the charges and asking that they be removed. On XX/XX/XXXX, I received a physical letter in the mail ( dated XX/XX/XXXX ), denying my request and " proving '' that I authorized the charges. Photocopies showed someone used a fictional name that was similar to mine, along with my home address and telephone number to purchase airline tickets. Passengers named " XXXX XXXX '' and " XXXX XXXX '' boarded the plane. I emailed immediately, pointing to ID theft and asking that the fraudulent charges be removed. I also telephoned Best Buy Credit Services again, making the same request. I received an email response saying Best Buy considered the matter resolved. I made several more phone calls to Best Buy and to Citbank ( co-brander of the XXXX card ). One person told me to fax a letter and a photocopy of my driver 's license to Best Buy in order to reopen the case. I faxed that letter on XX/XX/XXXX. I have heard nothing since. There is only one valid charge on my account : a {$51.00} donation to a food bank. I am happy to pay that once all the fraudulent charges are removed. Best Buy Credit Services has been extraordinarily difficult to deal with. I don't understand how someone can make so many large purchases without having the card and security code in hand.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92078
Submitted Via: Web
Date Sent: 2024-01-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A