Date Received: 2022-12-07
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Citi did not send any notifications when a payment is due or past due. They went straight ahead and reported it to all credit bureaus for the 30 days past due without trying to contact me about the past dues in any forms of communications. I did make a full balance payment when I was able to log into my account a few days after the due date. I tried multiple attempts to work with the company ; however they refused to work on reporting to credit bureaus when I noticed and even lowered my credit line from {$7000.00} to {$300.00}.
Company Response:
State: TX
Zip: 75013
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: 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: Ordered a service from a merchant. XXXXXXXX XXXX application acknowledged the refund/cancellation request but delayed in processing the request. Nearly three months has past since attempting to cancel in XX/XX/2022 and knowing my time to dispute the transaction was closing, I contacted CitiBank regarding a {$1000.00} price billed to my account on XXXXXXXX XXXX I attempted to dispute the charge to my account for this service by CitiBank. The below are the details of my interaction with Citibank 's dispute a charge process. XX/XX/2022 : Initiated Process XX/XX/2022 : Received a letter from Citibank requesting information and my contact with the Merchant, and details of the steps I took to resolve the issue with the merchant. XX/XX/2022 : Received call from Citi ' dispute center to go over this dispute. I explained to Citi that the merchant refused to process my refund. Thier app was the way I was directed to use. Mid-way through the steps, the App just stop progressing in the refund. Dispute center took my information and conducted their investigation. XX/XX/2022 : XXXX challenged the dispute showing I purchased their service. Citibank closed the investigation in favor of the merchant. In the letter, Citibank requested I show an email that the merchant accepted my cancellation request. XX/XX/2022 : I adhere to Citibank 's request for cancellation request. I submitted to Citibank that the merchant 's app acknowledged my cancellation request and request that Citibank continue with the charge back. XX/XX/2022 : Citibank sent another letter stating that they may be able to assist me if merchant agreed to credit my account. and I should seek other means to obtain credit. XX/XX/XXXX is the last communication prior to this complaint. Now I am in a XXXX for the reason I originally started the dispute the charge process was because the merchant didn't want to refund me. Now, Citibank is asking for an email that shows the XXXX agreed to credit me. This request is unreasonable when the merchant showed they weren't willing to refund me and challenge the charge back from Citibank. From Citibank moving the goal post to placing me in a XXXX situation, I turn to writing this complaint to the XXXX against Citibank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10452
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: We had two ( 2 ) accounts with Citibank. They closed one of our accounts around XXXX, so we have only one active account with them. On XX/XX/XXXX and XX/XX/XXXX, they applied our payments ( {$860.00} and {$610.00} respectively ) to the CLOSED account that has no activities to offset which resulted in interests on our CURRENT account. Upon discovering the error, we made double payments to current account in an attempt to minimize interests charged. We have made repeated attempts to rectify this error and they credited one small amount ( {$19.00} ). We feel we should be reimbursed for the full amount ( {$75.00} ) as this is their error and we have been paying on a timely manner. {$94.00} - {$19.00} {$75.00} They have refunded us a check of {$1400.00} ( {$860.00} and {$610.00} ) on XX/XX/XXXX rather than apply it the proper current account that may have triggered a reversal of these interests. Their last response was their denial of full refund. I will attach copy of their response along with our research which should be easy for them to verify.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94530
Submitted Via: Web
Date Sent: 2022-12-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-07
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Someone fraudulently opened a Home Depot credit card in my name and charged over {$9000.00}. I contacted Home Depot credit services when I first received the statement in the mail ( and multiple times since ) and provided them all of the information they requested to mark this as fraud ( I also filed a police report and reported to the credit agencies and froze my credit ), but XXXX XXXX is still refusing to acknowledge this as fraud and says I am liable for all of the expenses. Is this legal for them to do this?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46201
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: 2022-12-08
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I received a letter from CitiBank dated XX/XX/XXXX stating they were unable to service my account any longer so they were closing my accounts and the funds in the accounts would be sent to me by check within XXXX days. On XX/XX/XXXX I sent a letter requesting to know why they felt they were unable to service my accounts. They did not respond. On XX/XX/XXXX I called the number given to me in the letter dated XX/XX/XXXX. The agent stated I would need to contact some one else for further information. I requested to speak with a supervisor. After being repeatedly placed on hold she comes on the line and tells me she has transferred me to a supervisor and she disconnects, no one comes on the line and the call is disconnected. I again call to request a supervisor and am told I would not be issued the funds in my account because the funds in the account were not mine. If it's not my money then whose is it? When I asked whose funds they were then she states she can't give me that information. I request the supervisor for further information. Again I am repeatedly put on hold, again they come on the line telling me I am being connected to a supervisor and they disconnect, again no one comes on the line and the call is disconnected. I had approximately {$1100.00} in my checking account and {$87.00} in my savings
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84003
Submitted Via: Web
Date Sent: 2022-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-08
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: So today on XX/XX/XXXX I finally got my account cleared with Citibank. They were able to verify my phone number and send me the XXXX passcode to register phone number. XXXX hours later I was locked out once again while speaking to a different individual a different representative XXXX with the most horrible attitude with the most unwittingly way to helping a person. I am now exhausted overwhelmed and very well startled because of this I might lose my vehicle when bills are all doing behind when I trusted Citibank down in my phones are just save it to my trusted bank. I am screaming for help as this is ridiculous you speak to one individual that has no idea what happened earlier what happened then whats really going on. Someone please help me use my funds
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77057
Submitted Via: Web
Date Sent: 2022-12-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-06
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: On XX/XX/22 CITIFINANCIAL RETAIL PR, XXXX XXXX receive a payment of XXXX with reference number XXXX on behalf of my XXXX XXXX XXXX account, that payment was made by mistake, since then I have been trying to contact them for a refund by information provided by XXXX XXXX XXXX, but I haven't succeeded. They told XXXX XXXX XXXX that I have to present the complaint myself so they can refund me the money. XXXX XXXX give me the postal address of CITIFINANCIAL but when I send it, the letter was return to me for insufficient address. As of this day I haven't make any contact with them to get the refund of the money. My email address is XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PR
Zip: 00777
Submitted Via: Web
Date Sent: 2022-12-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-06
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: An unauthorized charge in the amount of {$550.00} was posted to our account on XX/XX/2022. This fraud was noted on XX/XX/2022, and LLBean Mastercard was immediately notified. A new credit card number was issued at that time and we were told an investigation would be performed and completed within 30-90 days. A letter from the XXXX XXXX was received XX/XX/2022, acknowledging the dispute of the unauthorized charge and that we would be notified in writing of the investigation results. XX/XX/2022, the charge was temporarily removed from our account. A letter from LL Bean was received on XX/XX/2022, regarding the adjusted minimum payment due. XX/XX/2022, we noted that the unauthorized amount of {$550.00} had been re-billed to our account Con XXXX XXXX. We called LL Bean Mastercard and was transferred to the XXXX XXXX. XXXX informed us that a letter had been mailed out on XXXX XXXX, explaining the investigation results. We told XXXX that we were still disputing this fraudulent charge. XXXX said she w. ould return the matter back to Investigations. XX/XX/2022, we sent a certified letter to Citi Resolve explaining our position on the unauthorized charge. We requested copies of their investigation documents they made their determination that we were liable for the unauthorized charge. We had not yet received the letter they supposedly mailed on XX/XX/2022. XX/XX/2022, we called the XXXX XXXX to inform them we still had not received the XX/XX/2022, letter. XXXX said they would reopen the case and if we had not received a letter by XX/XX/2022, to call back. XX/XX/2022, we received a letter from XXXX XXXX through the LL Bean Mastercard message board. The letter was dated XX/XX/2022. The letter explained their position and that the investigation was complete. XX/XX/2022, a packet was received in the mail containing a letter dated XX/XX/2022, and the merchants Compelling Evidence Response document. The packet was postage stamped XX/XX/2022. The merchant is XXXX and they provided to LL Bean Mastercard an email and telephone number that is not ours. We will be responding to LL Bean regarding these inconsistencies of data. However, their investigation Unit has not been reliable in communication nor their investigation of this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 650XX
Submitted Via: Web
Date Sent: 2022-12-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-06
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My checking account was withdrawed by counterfeit check at XX/XX/2022. I called CitiBank on XX/XX/2022. I was told that they will start an investigation and return my money back in 10-15 business day. I asked them to stop all incoming physical withdrawing checks. On XX/XX/2022, I found a second withdraw using the same counterfeit check. I called CitiBank investigation team immediately, and asked them to stop issusing money to any physical check withdraw agiain. I was promosed that that will not happen again. They are ding investigation. Today, XX/XX/2022, I found a counterfeit check withdrawing from my checking acount again by the same person. I talked with threee person, the last one is lay who is a team superwiser. She told me that will start investigation today, and suspend my checking acount for 90 days, during which I can not access my money. My complain is that they can not promise me with empty promise and pay my money to the conterfeit checks repeatedly. Due to the lock of my account, my finacial situation has been greatly changed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01890
Submitted Via: Web
Date Sent: 2022-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-06
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: Home Depot Credit Services contacted me in XXXX about an alleged late payment on my account ending in XXXX. I did not recognize the purchase amount nor the date it allegedly occurred, and I filed a fraud claim with the card issuer. I also made a ~ {$600.00} payment at that time to bring the account current. Home Depot Credit Services reported negative information to XXXX, XXXX, and XXXX credit reporting agencies. On XX/XX/2022 I received a letter from Home Depot Credit Services notifying me that there is a {$790.00} credit balance on my account. I called the card issuer and requested a check to be mailed to me for the credit balance on the account. At the same time a senior account representative refused to correct the negative information with the credit reporting agencies.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28215
Submitted Via: Web
Date Sent: 2022-12-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A