Date Received: 2022-12-09
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: They call me at least XXXX times a day. When I tell them I am not allowed to answer calls on my phone at work, they tell me they can not stop the calls because they put my number into an auto dialer. They have even called me on hollidays. The calls start at XXXX XXXX and go until XXXX XXXX. They have even said that consumer laws do not protect the consumer, but the creditor. Then they started calling my wife and even my dad who lives in another state, however, my number is the only number on the account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76021
Submitted Via: Web
Date Sent: 2022-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-08
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/XXXX, my Citibank debit card number and pin was used without my permission. This was the first charge in a serious of multiple fraudulent transactions. My debit card was not lost or stolen, and is still in my possession. The fraudulent charges are as follows : XX/XX/XXXX XXXX XXXX XXXX XXXX, Ca {$8000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX, Ca {$8700.00} XX/XX/XXXX XXXX XXXX XXXX, Ca {$6.00} XX/XX/XXXX XXXX XXXX XXXX XXXX, Ca {$3300.00} XX/XX/XXXX XXXX XXXX XXXX, Ca {$6900.00} XX/XX/XXXX XXXX XXXX XXXX, Ca {$8400.00} XX/XX/XXXX XXXX XXXX XXXX, CT {$6.00} XX/XX/XXXX XXXX XXXX XXXX, Ca {$8100.00} XX/XX/XXXX XXXX XXXX XXXX, Ca {$8100.00} This charge was 2 minutes later XX/XX/XXXX XXXX XXXX XXXX XXXX, Ca {$6.00} returned to the debit card XX/XX/XXXX XXXX XXXX XXXX XXXX, Ca {$6.00} XX/XX/XXXX XXXX XXXX XXXX, CT {$6.00} returned to the debit card On XX/XX/XXXX I noticed the fraudulent transactions when I accessed my bank online. Alarmed, I informed Citibank of the unathorized transaction via telephone. I requested that they shut the card down immediately. This call was on a recorded line. I asked the service agent why I was never notified via text message or phone call about these charges. On XX/XX/XXXX there was {$16000.00} charged in 4 minutes. On XX/XX/XXXX there were 4 charges at 4 seperate XXXX XXXX that were in different cities. There were charges made at XXXX XXXX in XXXX The agent informed me that my account was not enrolled in Citibank 's fraud protection. They informed me that the charges would be reversed, and they would launch an investigation. Five days later on XX/XX/XXXX I recieved a letter from Citibank informing me that they completed thier investigation, and determined I am responsible for {$51000.00}, the entire amount. No explanation was included in the letter. I called Citibank around XX/XX/XXXX to ascertain how they came to this conclusion. The agent informed me that it was the " result of the findings of their investigation. '' I was informed that I can appeal this decision in writing if I am dissatisfied with the outcome. On XX/XX/XXXX I recieved a letter from Citibank that they are investigating {$8100.00} of the charges. This contradicts the previous outcome stating I am responsible for the entire amount. I am confused as to why they are choosing only 1 charge instead of the entire amount. The electronic transfer funds act protects consumers from fraudulent charges if the bank is made aware within 60 days of the mailing of the bank statements. I alerted Citibank 44 days after the first charge. By law, I am entitled to find out the reason of Citibank 's denial. The reason given was " this was the findings of our investigation. '' Citibank did not enroll me in their fraud protection, and when my account was compromised, they are violating Federal law, and making me responsible for these charges. On XX/XX/XXXX I filed a police report with the XXXX XXXX Police department.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90064
Submitted Via: Web
Date Sent: 2022-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-08
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 XXXX of 2022. I visited XXXX XXXX for a fitness training consultation. I asked for more details about the training classes they offered when I visited. It was explained to me by the gym staff that I was only going to get charged a one time payment of {$29.00} for the Month of XXXX. I provided them with my Macy 's American Express card for this one time payment of {$29.00}. In the month of XX/XX/2022, I visited the gym twice, and I didn't go back since. Fast forward to XX/XX/2022, I noticed in my credit card statements that the one time payment I agreed to was a reoccurring payment of {$29.00} plus an additional {$360.00} that I never authorized. In total I was being charged monthly {$380.00} from XXXX to XXXX. Thats a total of {$2700.00} that I did not authorize. Once I realized these statements, I immediately went to the gym to figure out why I was getting charged and close the account. I called Macy 's to file a billing dispute and explained the situation about me not authorizing those payments. They mailed me their decision which stated the investigation was closed due to them not finding evidence. I appealed it twice, and I got the same response from Macy 's again. They only investigated the case for four days. I did not authorize those monthly payments of {$380.00} and I need Macys American Express to investigate this deeper for me and prove that I did not agree to those charges.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01905
Submitted Via: Web
Date Sent: 2022-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-08
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: Citibank, on behalf of The Home Depot ( THD ) affinity card, allowed an impersonator to a ) change my home address and b ) obtain a new credit card. Impersonator made a purchase on XXXX Citi collections started calling me when the card was past due. I did not know it was past due because statements were sent to the changed address. I can prove that I was at my home, over XXXX miles from the point of purchase, when the fraudulent transaction occurred. I contacted Citi on XX/XX/ to dispute the charge and report the fraud. Over the course of 24 calls ( and 17 disconnections that occurred when I was transferred within Citi ) from XXXX to XXXX XXXX learned that Citi 's " Security Operations '' team received the fraud case on XX/XX/ - 28 days after I filed it - and the Escalations representative ( XXXX XXXX told me that he does not have the information he needs to conduct an investigation. Citi has credited the amount of the original purchase, but has : 1. Charged me interest and late fees totaling {$71.00} for that purchase 2. Refused to credit that amount, or hold it in abatement, while the investigation progresses 3. Not provided any information about how and when they might start the investigation, given that they admit that they do not have the information they need to do so My requests : 1. Initiate the investigation. 2. Credit the interest and late fees to my account. 3. Notify the credit bureaus to hold me harmless on my cre dit score during the investigation ( my credit score has dropped from XXXX XXXX XXXX since the start of this incident ). 4. Allow me to talk with Citi representatives about this situation. Citi has denied me the right to talk about this situation on 70 % of the calls I have made because they can not " verify '' my identity, such as thru multi-factor authentication. I have provided a XXXX " password '' that subsequent representatives were unable to use ( they had never heard of such a passcode ). Instead, they call my family, none of whom are named on the account. ( My family does not take calls from unrecognized numbers, but they do review the voice messages left. ) 5. Stop calling my adult children and my spouse about this situation. They are not named on the account. 6. Put a permanent freeze on my files so that Citi never issues credit in my name. Why? Because Citi makes it easier for someone to commit fraud than for me to even talk to Citi about fixing it, and I have lost all confidence in the Citi organization. 7. Fix Citi 's telephone system so that I don't get disconnected on XXXX separate transfers over the course of 28 phone calls. Better yet, solve my problem without transferring me among Customer Service, Collections, Fraud, Security Operations and who knows what other departments.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80111
Submitted Via: Web
Date Sent: 2022-12-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-07
Issue: Written notification about debt
Subissue: Notification didn't disclose it was an attempt to collect a debt
Consumer Complaint: THIS IS A SECOND TIME SUBMITTING COMPLAINT AS INFORMATION CITI BANK PROVDED WAS NOT RELATED T ME : O/A XX/XX/XXXX I contacted CITIBANK Costco indicating I was disputing accounting under the FCA/FRP and to date I have not received any information in regards to that. XXXX XX/XX/XXXX I sent notification again to date have not received a reply. On the XXXX of XX/XX/XXXX I received a Summons from the law firm of XXXX XXXX XXXX XXXX indicating they are representing CITIBANK COSTCO and suing me. I believe CITIBANK COSTCO has not followed dispute procedures. XXXX XXXX XXXX XXXX has not identified to me previously either they were trying to collect a debit, is this company a debit collector?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89084
Submitted Via: Web
Date Sent: 2022-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-07
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Im disputing fees and asking Macys to investigate the closing of my account. Ive made several attempts to explain the issue to Macys customer service but I cant get transferred to the dispute department. Customer service misled me and put in a blank dispute. There is missing statements and no alerts between XXXX XXXX. I just receive earlier statements after waiting several months and I noticed some billing issues and possibly intentional tactics to cause more fees. 1. Price of first order is incorrect and over charged. 2. I was charge NSF fee for a payment I did not authorize and was never informed. 3. A payment was return NSF even though my bank account had funds. XX/XX/XXXX I was approved a new card with XXXX limit. My first purchase was presented as below ( I can provide proof with a Dated screen shot of order ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Created for Macy 's Size : XXXX XXXX : XXXX {$59.00} Sale {$33.00} Qty : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Created for Macy 's Size : XXXX XXXX : XXXX {$69.00} Sale {$28.00} Qty : 1 Bag ID : XXXX Total {$62.00} plus estimated tax XXXX Minus additional 25 % off as a new account discount. The first billing statement reads. XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$88.00} SALES TAX {$8.00} RECEIPT TOTAL {$97.00} NEW ACCOUNT DISCOUNT - {$24.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX - {$13.00} SALES TAX - {$1.00} RECEIPT TOTAL - {$14.00} NEW ACCOUNT DISCOUNT PAYMENT {$3.00} The total changes for that purchase have several amount {$97.00} card - {$5.00} card {$82.00} total Documented transaction Purchases 1. {$83.00} XX/XX/XXXX 2. {$36.00} XX/XX/XXXX 3. {$65.00} XX/XX/XXXX 4. {$32.00} XX/XX/XXXX Payments 1. {$40.00} XX/XX/XXXX 2. {$21.00} XX/XX/XXXX 3. {$29.00} XX/XX/XXXX 4. {$31.00} XX/XX/XXXX 5. {$2.00} XX/XX/XXXX 6. {$82.00} XX/XX/XXXX Unauthorized payment and fees 1. {$40.00} XX/XX/XXXX unauthorized payment 2. {$40.00} XX/XX/XXXX reversal of XXXX amount 3. {$21.00} XX/XX/XXXX returned payment fee 4. {$2.00} XX/XX/XXXX interest charge 5. {$2.00} XX/XX/XXXX interest Total fees for XXXX {$25.00} Total interest XXXX {$.00} as of XX/XX/XXXX. Monthly email alerts Email alert XX/XX/XXXX Statement Balance : {$21.00} Minimum Due : {$21.00} Payment Due Date : XX/XX/XXXX Last Payment Amount : {$40.00} Email alert XX/XX/XXXX Statement Balance : {$36.00} Minimum Due : {$29.00} Payment Due Date : XX/XX/XXXX Last Payment Amount : {$21.00} Email alert XX/XX/XXXX Statement Balance : {$31.00} Minimum Due : {$29.00} Payment Due Date : XX/XX/XXXX Last Payment Amount : {$29.00} Statement Balance : {$2.00} Minimum Due : {$2.00} Payment Due Date : XX/XX/XXXX Last Payment Amount : {$31.00} Statement Balance : {$87.00} Minimum Due : {$29.00} Payment Due Date : XX/XX/XXXX Last Payment Amount : {$2.00} Statement Balance : {$10.00} Minimum Due : {$10.00} Payment Due Date : XX/XX/XXXX Last Payment Amount : {$87.00} Statement Balance : {$10.00} Minimum Due : {$10.00} Payment Due Date : XX/XX/XXXX Last Payment Amount : {$87.00} XXXX XXXX checking account XXXX statement XX/XX/XXXX XXXX XXXX {$27.00} account balance {$31.00} XX/XX/XXXX Mobile Purchase Sign Based XX/XX/XXXX XXXX # XXXX XXXX XXXX XXXX {$9.00} account balance {$23.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$16.00} balance {$6.00} XX/XX/XXXX Returned Insufficient Funds - ACH Txn {$16.00} account balance {$23.00} Statement ending XX/XX/XXXX balance {$110.00} minimum payment $ {$110.00} XX/XX/XXXX paid {$16.00} to settle my bill {$1.00} bill XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90029
Submitted Via: Web
Date Sent: 2023-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-07
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I am a XXXX XXXX XXXX women and what is being done to me by Citibank is criminal. On XX/XX/2022 My checking account ending in XXXX was blocked by Citibank without any reason given. I called that same morning and was told my account will be closed and a check with my remaining balance of {$38000.00} would be mailed to me after XXXX, I asked to speak to a supervisor and was told none was available at the moment but that they will reach back out to me which never happened. This was the second time Citibank within 4 months Citibank had block off my account, the first time was back in XXXX after I deposited backed up funds owed to me from my Annuity Policy. I was told my account was in process of being closed at the time as well but after calling for two straight days I was able to get a supervisor who verified my account and I regain access to my account which I was told was in process to be closed. Now fast forward to now I am being told the same thing for over the past month with no access to my funds and no way to pay medical expanse, its been over 30 days and I cant reach a supervisor just rude customer service workers says the same thing that my account will be closed soon and that I will receive a check in the mail at some point. To make matters worse I received a visit from a XXXX human resource social worker because someone felt the need to make a complaint to the city on my well being and to check on my mental state which seem to me like maybe the same customer service worker for Citibank who felt the need to block/closed my account. I called this morning after I noticed 2 direct deposit of {$1300.00} each from my annuity had gone into my Citibank account and was told it was still in process of closing and that they could not stop incoming deposit which makes no sense since the account should of been closed by now so now I am being robbed of even more funds at this point. Ive tried reaching the news at this point since Ive been informed that this is something common that Citibank does to people and just need any help I can at this point. My Citibank XXXX account number is XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10469
Submitted Via: Web
Date Sent: 2022-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-07
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have 2 inquiries on my XXXX credit report from the same company less than 30 days apart. one inquiry is on XX/XX/2022 and the other is XX/XX/2022. They are both from Citibank. I have no knowledge of these inquiries and I did not authorize for my credit reports to be used for this company. These are fradulent inquiries.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60641
Submitted Via: Web
Date Sent: 2022-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-07
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Macy credit my account for {$6.00} for the past 3 months due to interest fees that were charge. I was told that they were charge incorrectly and credited and to reach out to a XXXX to get the late payment removed due to being late for 31 days for a {$2.00} interest fee that I was never aware of or contacted. My account was suppose to be no interest until XX/XX/2022. When I called the number provided, they seen the credit but could not update the incorrect late remark that was placed on my credit report. The account is up to date and has been credited correctly. I just want the late remark removed off my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 347XX
Submitted Via: Web
Date Sent: 2022-12-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-07
Issue: Other features, terms, or problems
Subissue: Credit card company forcing arbitration
Consumer Complaint: On XX/XX/22 I purchased a refrigerator and an electric stove at XXXX to be delivered at my property ( for a fee ), and I opted to pay {$80.00} to haul away the old appliances. They delivered the 2 appliances on XX/XX/22 but didnt haul away the old appliances because of roaches. I contacted XXXX XXXX costumer services on XX/XX/22 to request the {$80.00} refund to my credit card and was offered a gift certificate of instead. I refused because I can only use at XXXX XXXX and I dont have anything there anytime soon. Then they said I had to go in person to the store and show my credit card in order to receive the {$80.00} refund. I believe this practice is unfair and abusive and would like help to make it right. Thanks.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 024XX
Submitted Via: Web
Date Sent: 2022-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A