Date Received: 2024-01-26
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I used my earned rewards points to redeem for three XXXX XXXX XXXX. Two of the three cards did work the third card ( valued at {$100.00} ) said the code was not valid. I called XXXX first and their response was this code was never in their system, they checked the other two codes and they both did work. I called CitiBank to have the third code fixed and they said absolutely we will send you a new one. I waited 15 days and did not receive anything so I called back they told me that the issue was under investigation and to call back on the XXXX. I called back today the XXXX of XXXX and after talking to multiple representatives was told they could not refund my point balance enough to be able to redeem for a replacement gift card. I was told I could ask again in 6 months.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32746
Submitted Via: Web
Date Sent: 2024-01-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-26
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: Subject : Urgent : Credit Limit Reduction Impacting Rent Payment To whom it may concern, I hope this email finds you well. I am writing to express my concern and seek clarification regarding a recent adjustment to my credit limit. I observed that on XX/XX/year>, my credit limit was reduced from {$5900.00} to {$4600.00}. This adjustment is perplexing to me, especially considering that I had just made a payment of {$1900.00} on XX/XX/year>. I assumed that this payment would contribute towards maintaining or even increasing my credit limit, given my consistent effort to manage my credit responsibly and the fact I pay my monthly rent every month. What adds to my concern is that the reduction nearly negated the effect of the {$1900.00} payment, which I had planned to utilize for my upcoming rent payment due on XX/XX/year>. As you can see from my monthly statements, I regularly use my credit card to pay my rent. This reduction in my credit limit has now jeopardized my ability to fulfill this obligation as planned. Additionally, I would like to inquire if there is any possibility of reconsideration or an expedited review of my account, considering the upcoming rent payment deadline. I reached out to the credit card company today XX/XX/year> @ XXXX @ XXXX by phone and they informed me that a letter would come by mail regarding their actions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76017
Submitted Via: Web
Date Sent: 2024-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-26
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: Here is an example of a fee taken from my account : XX/XX/XXXX, XXXX for Non-Citibank ATM use - {$5.00} {$290.00} Transaction Date XX/XX/2024 XXXX XXXX XXXX Posted On XX/XX/2024 Transaction Type Fees I was asleep at XXXX on XX/XX/XXXX. I called and asked WHAT ATM ( location ) I withdrew the money from and they could not answer me. There is not address listed on the charge. In the past I have been charged for using Citibank approved ATM machines from their list of ATM machines and they DENY that that is their machine. I want my bank account to be audited for fees I was charged.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10009
Submitted Via: Web
Date Sent: 2024-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-26
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 there was a charge made for the {$1000.00} on XX/XX/ there was another charge for {$1200.00} I contacted credit company and specially told them i did not authorize these charges. I was told that i had to speak to fraud department as i did and answered all questions Told them card was in my possession at all times and DID not authorize the use of my card to anyone. They credited my account months went on and no issues. then i was charged backed saying that the chip was used and and i said it must of got duplicated not sure put again i did all that was asked from me and these has been months of wasted time. I have a XXXX credit score so i need this resolved and Help please as Citi has be doing nothing i need real proof
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2024-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-26
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 charged my Costco Citi Visa card for {$7500.00} as part of an agreement I had with XXXX XXXX ( XXXX ) to provide architectural drawings and engineering design for my home remodeling project. XXXX kept the fact from me that it went into bankruptcy before I made the payment. I am not able to recover the fund from DE after making several attempts, despite the fact that XXXX has not fulfilled its obligation per the contract terms. Therefore, I turned to Citi Visa to open the dispute in XX/XX/XXXX. After several months of back and forth responding to document requests, on XX/XX/XXXX, I learned from talking to the Dispute line that the case was denied. I was told that Citi has no way of reopening the case and that XXXX made the decision, not Citi. Clearly, the services were not provided and I was denied a refund/billing adjustment of the full amount. Citi could not provide me with a contact at XXXX in order for me to inquire a specific reason other than not sufficient information to arrive at a favorable decision. I have provided all the documents requested of me with explanations.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94121
Submitted Via: Web
Date Sent: 2024-01-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-26
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: MY SHELL CARD WAS STOLEN WHEN I LOST MY WALLET, WHEN I FILED A CLAIM WITH THE FRAUD DEPARTMENT THEY REFUSED MY CLAIM AND THEN CLOSED MY ACCOUNT, I HAVE FTC FRAUD AFFIDAVIT TO BACK UP THE FRAUD THAT OCCURED THESE CHARGES NEED TO BE REMOVED OFF MY ACCOUNT.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89011
Submitted Via: Web
Date Sent: 2024-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-26
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: MY ADDITIONAL CARD HOLDER LOST HIS WALLET AND HIS CARDS WERE STOLEN HIS XXXX, MULTIPLE XXXX XXXX, XXXXXXXX XXXX CARDS WERE STOLEN FROM HIS WALLET AND MISSING FROM HIS WALLET THE CARDS WERE USED IN KANSAS, AND UTAH AFTER THE FRAUD INVESTIGATION WAS OPENED THEY CLOSED MY ACCOUNT THIS IS UNACCEPTABLE. THIS ACCOUNT NEEDS TO BE REOPENED IMMEDIATELY AND THESE CHARGES NEED TO BE REMOVED OFF THE ACCOUNT, I HAVE THE LETTERS FROM BANKS WHO CONFIRMED THERE WERE FRAUD ON MY OTHER ACCOUNTS AT THE SAME CARD THIS CARD WAS STOLEN, REMOVE THESE CHARGES! AND REOPEN THESE ACCOUNTS THIS IS NOT ACCEPTABLE.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89011
Submitted Via: Web
Date Sent: 2024-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-26
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Company is Best Buy, XXXX XXXX DC - Monday XX/XX/2024 my XXXX Phones did not work. On XX/XX/XXXX I went to the XXXX Store in our town and determined someone from a Best Buy iin another city had an in Store purchase accessed our XXXX account and disconnected our devices, they tried to set up other devices on the account. XXXX fixed our account. Today XX/XX/XXXX, we have emails stating an credit card was set in our name with {$1900.00} dollars worth of charges on a Best Buy Credit card. I would like Best Buy to delete/purge their system of my profile/information from their system and provide me proof of no other existing credit accounts. If this can't be done freeze our accounts from any additions to be created.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 206XX
Submitted Via: Web
Date Sent: 2024-01-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-26
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: 1st Contact : Called Citibank IRA to initiate IRA rollover of {$3900.00} to another institution ( XXXX ) where my XXXX IRA is held. Initial contact was on XX/XX/XXXX. Documents emailed to me same day and filled out in order the begin the conversion process. Mailed out as directed- I was told to wait XXXX business days. Received no follow up on status. 2nd Contact : I called back in the beginning of XX/XX/XXXX to follow up and was told that documents were missing, and I need to fill out and another form regarding a name change. Mailed docs to them as directed yet received no follow up on status. 3rd Contact : Called back to follow up on XX/XX/XXXX - spoke with agent XXXX. She told me I need to fill out and send in these forms... again! via mail. I'm being severely inconvenienced because it took almost XXXX months to simply initiate a basic rollover. This is the only organization I've had this problem with. It seems my simple request is being mismanaged or mishandled and they make it hard for customers to retrieve their funds. Their process is incredibly inefficient and inconveniences me as a customer. I should not have to jump through hoops continuously- on my dime- to get access to my retirement funds. They need to work on creating a more seamless customer centric process. Also, this organization should have better customer outreach and follow up for if they need additional info in order to move forward with requests. Neglecting to do so shows bad faith, poor company ethics, as well as general reluctance to disburse funds as requested. It seems they make this process difficult in order to hoard funds. This process is negatively impacting me and I'm requesting immediate resolution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 14206
Submitted Via: Web
Date Sent: 2024-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-26
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: This debt was never verified, which is a breach of the FCRA! I have requested numerous times that the signed contract with my signature as well as monthly statements for ALL charges be mailed to me to be verified as I never received any letter offering me to verify the debt, but they refuse. I also have disputed the account with XXXX and they refuse to remove it and instead within only a couple of days of my dispute put this on my account, which is NOT verified as accurate and also a breach of the FCRA!! I want the debt removed and dissolved for this reason and I want both the collection agency and XXXX fined for breaching the FCRA!! They can not follow the law AFTER they BREAK THE LAWS!!!! CBNA Your information may have changed since XX/XX/XXXX Account info Account name CBNA Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$1.00}, XXXX written off. {$1.00}, XXXX past due as of XX/XX/XXXX. Status updated XX/XX/XXXX Balance {$1600.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$1000.00} Highest balance {$1600.00} Terms - On record until XX/XX/XXXX Payment history XXXX XXXX XXXX XXXX XXXX CO XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO XXXX XXXX CO XXXX Current / Terms met XXXX Past due 30 days XXXX Past due 60 days XXXX Past due 90 days XXXX Past due 120 days XXXX Past due 150 days XXXX Past due 180 days CO Charge off Payment history guide Charge Off as of XX/XX/XXXX to XXXX XXXX 180 days past due as of XXXX XXXX 150 days past due as of XXXX XXXX 120 days past due as of XXXX XXXX 90 days past due as of XXXX XXXX 60 days past due as of XX/XX/XXXX, XXXX XXXX 30 days past due as of XX/XX/XXXX, XXXX XXXX This account is scheduled to continue on record until XX/XX/XXXX. Balance history XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Additional info Between XX/XX/XXXX and XX/XX/XXXX, your credit limit/high balance was {$1000.00} Contact info Phone number ( XXXX ) XXXX Address po box XXXX XXXX XXXX, SD XXXX Comment Current : Completed investigation of FCRA dispute - consumer disagrees. Account closed at credit grantor 's request. Previous : Completed investigation of FCRA dispute - consumer disagrees. XX/XX/XXXX to XX/XX/XXXX Reinvestigation info This item was updated from our processing of your dispute in XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 62801
Submitted Via: Web
Date Sent: 2024-01-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A