Date Received: 2024-01-25
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I apply to Citi Bank saving account on XX/XX/XXXX and get rejection letter in couple of days. I give a call to number provided in the letter ( XXXX ) and was explain that further verification required. After spending couple of hours on the phone : providing all info requested and signing documents via XXXX, I was explained that my application accepted. I received a pin code for new debit card on XX/XX/XXXX ( and expected debit card in a couple of days ). Today, I received another rejection letter ( reason : unable to verify information, file number XXXX ). I give a call to XXXX XXXX again ( XXXX, fraud protection team ) and was explain that application could be ONLY PROCESSED in the branch office!!! Customers should be explained that account could be opened ONLY in the CITY BRANCH OFFICES ( why then they have a button apply online / and phone number to create new accounts )?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43235
Submitted Via: Web
Date Sent: 2024-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-25
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: Received a notice that my Fixed Rate APR will be changing in less than XXXX XXXX. My options are to deal with it, or close the account. They have told me only that " market conditions '' have caused them to raise rates across the board and that the prime rate has affected it. Since the prime rate has not raised XXXX XXXX ( they are changing my APR from XXXX XXXX to XXXX XXXX ) I asked for further clarity as well as a formal response to my complaint. They refused to give any sort of confirmation or tracking for my complaint, stating that they don't have that capability and that my feedback " has been recorded '', though there is no way for me to access that information. It's absolutely disgusting that they can raise rates this much with just XXXX or so XXXX until it goes into effect. Citigroup is not hurting financially.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 15227
Submitted Via: Web
Date Sent: 2024-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-25
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: After waiting longer than a month for XXXX to either give me a partial or full refund, I opened a dispute with Citi on XX/XX/XXXX for {$160.00} and provided documentation on how I tried to resolve with XXXX twice and there was no response or outcome to my complaints. On XX/XX/XXXX they contacted the merchant. On XX/XX/XXXX the merchant responded that the merchant informed us that no credit is due. Based on the information available, we have closed our investigation and reversed our credit. They told me I can still dispute the charge with dates and issues I had with the company. The only thing they provided me for documentation for the dispute being resolved from XXXX was proof that I stayed there. The whole dispute was not due to me not staying there it was due to the issues I had during my stay. I signed the paper to dispute it more and attached all the times I tried contacting XXXX with no response and all the issues I had during my one night stay. I sent them all of my supporting documentation on XX/XX/XXXX. On XX/XX/XXXX Citi responded saying they are working with the merchant or merchant 's bank to obtain a permanent credit for this charge. If the merchant or merchant 's bank will not accept this charge, we will notify you of the reason. We have reissued a conditional credit to your account for this dispute. On XX/XX/XXXX they sent me a letter stating they previously credited my account for this charge. The merchant will not honor their request for credit based on the information I provided them. Every effort has been made to secure credit for my account. Since they are unable to obtain compensation from the merchant, my account has been rebilled. They now consider this investigation complete. They regret that we are unable to assist you in this matter. Again, no outcome for my bad stay at the XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 73160
Submitted Via: Web
Date Sent: 2024-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-25
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I am an XXXX XXXX XXXX member. I was stationed in Louisiana from XXXX. I sent the XXXX reduction letter & orders to Citibank multiple times with no success. IAW Louisiana Laws ( Title 29:312 ) interest should have been capped XXXX 6 %. I arrive XX/XX/XXXX and recieved extension orders from my trade school until XXXX. All are attached.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33178
Submitted Via: Web
Date Sent: 2024-01-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-25
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 ordered a mattress, a bed, and a night table from Wayfair. The total purchase price was {$490.00}. The XXXX was delivered on XX/XX/XXXX, and the mattress and bed frame were delivered on XX/XX/XXXX. All three items were received damaged. The mattress was crushed in the corners ; the bed frame was scratched in multiple places, and the wood for the night table was cracked. I immediately contacted Wayfair via their chat function and reported these issues. I also submitted pictures of the damage via their chat portal. I was told someone would reach out to me. On XX/XX/XXXX, I received an email from Wayfair asking me to, again, upload pictures of the damage, which I did, again. See attached email. On XX/XX/XXXX, I again emailed them for a status. See attached email. On XX/XX/XXXX, I emailed them again for a status. See the attached email. On XX/XX/XXXX, I emailed them again for a status. See the attached email. After having no response from Wayfair, I reached out to them again in the chat portal. I submitted pictures of the damage in the portal, again. Again, I was told someone would contact me. Again, there has been no contact from Wayfair. I have reached out to Wayfair a total of SIX times, trying to resolve this matter. They have never responded to me, contacted me, or provided any information for me to return the damaged items. Their website did not give me an option to return the damaged merchandise, only to return items that I changed my mind about keeping, at my expense. I disputed the charge for the damaged merchandise with Citibank. Citibank closed my dispute and told me that I need a " credit slip '' from the merchant agreeing to a refund. What? It's damaged merchandise and the merchant has not responded to me, hence the dispute. I am not paying for damaged merchandise, nor should I be expected to. Under the Consumer Protection Act, I am entitled to a full refund for damaged or defective products. The merchant had 30 days to rectify this with me, and they have not. The Fair Credit Billing Act protects consumers on credit card purchases. I have followed every step necessary under the Act, and the charge needs to be removed from my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33928
Submitted Via: Web
Date Sent: 2024-01-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-25
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am writing to dispute the validity of the debt referenced in a notice I recently received. My understanding is that the name in your notice, written in all capital letters, does not represent me as an individual. Instead, it represents a separate legal entity of which I am the beneficiary. Consequently, I am requesting a comprehensive investigation into this matter. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I have the right to request debt validation. I kindly ask you to provide the following : 1. A copy of the original contract with my signature. 2. A detailed account of the debt you claim I owe. 3. Proof that you are licensed to collect debts in my state. Please suspend all collection activities until this debt is validated. Also, as this account has been reported to credit reporting agencies, I ask you to remove it immediately due to its dubious nature. If you do not provide these documents within 15 days of receiving this letter, I will expect the account to be removed from my credit report and no further attempts to collect this alleged debt.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11433
Submitted Via: Web
Date Sent: 2024-01-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-25
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: I purchased a sofa set and a table in the amount of {$1700.00}. The sofa was not in good condition. I contacted the Card company which gave me a temporary credit for {$1700.00} until matter was resolved. I later informed the card company that my issue was only with the sofa set, not the table. The card company then issued an additional temporary credit for {$1400.00} ( which excludes the table ). The furniture company retrieved the defective sofa from my home on or around XX/XX/XXXX and gave me a credit of {$1300.00}. On XXXX, the furniture company gave me an additional credit of {$110.00}. On the XX/XX/XXXX and XX/XX/XXXX statement, the card company reversed the {$1700.00} credit and added it to the bill statement as a purchase. On the XX/XX/XXXX to XX/XX/XXXX statement the credit card reversed the {$1400.00} credit and added it to the statement as a purchase. I am asking the card company to remove the {$1700.00} as a purchase. With respect to the XXXX, it should no longer show on my bill as a purchase on my statement. All I owe is approximately {$290.00}. I have made several calls to Citi Bank but no help. Yesterday Citi Bank hung up on me. My billing statements should not continue to indicate that I owe both {$1700.00} and {$1400.00}. The furniture store has credited my card {$1300.00} and {$110.00}. I ask the Card company remove the {$1700.00} and the {$1400.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 20110
Submitted Via: Web
Date Sent: 2024-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-24
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Finally found a bank that would allow me to open a bank account Citibank. I deposited {$50.00} process a couple transactions even. I had to check from XXXX XXXX for a refund of my dentures because I had to pay cash {$3500.00} because my insurance company XXXX XXXX was committing fraud with the XXXX XXXX XXXX in XXXX XXXX by approving excessive appointments and assessments which the lowest assessment being {$4600.00} which is still for higher than what XXXX XXXX charge me the {$3500.00}. I had a very hard time finding anybody to give me a bank account so I was pretty happy with Citibank allowed me to open up a checking account well the minimum deposit in an ATM because there is no branch in Iowa for Citibank is {$2000.00} The check again was {$3500.00} I was told by a Citibank live chat support person to mail my check to Citibank Bank by mail XXXX XXXX XXXX in XXXX XXXX Texas and I did exactly that. I called them a few days later to confirm that they received the envelope in the mail containing my {$3500.00} check from XXXX XXXX. They confirmed did they had received my check. They also informed me that they were closing my checking account. They would not provide any information as to why. But they asked me many questions about this XXXX XXXX check even why they were issuing me a check at all I answered all their questions and they told me that they were going to close my account and they were not going to mail me back the check and in fact I've got a recording from last time I spoke with someone up from Citibank they told me that the check from XXXX XXXX in XXXX New York for which XXXX XXXXXXXX XXXX was a bad check. The same day I received an email from XXXX XXXX of XXXX XXXX who had received the deposit receipt from XXXX which clearly shows that my check was deposited into a an account with the routing number XXXX account number XXXX. Although it's not my account I have no access to it they do not that this check has been deposited I will attach the receipt of deposit from XXXX I will attach the Citibank letter saying they're closing my account and I want my money Citibank is obviously lying because I've got the statement from key Bank the bank for which the issuer XXXX XXXX XXXX with and the bank deposit slip and yet Citibank will not explain to me way this money got deposited into this weird account and claim that they have no check of mine. I want my money now it's citibank 's problem not XXXX XXXX not XXXX XXXX not XXXX XXXX Not XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 526XX
Submitted Via: Web
Date Sent: 2024-01-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-24
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: I was given a noticse and summons about a charged that was charged off my credit inXXXX it was sold to another company who filed a summons on a old case that was charged off they did not give me the paperwork until XX/XX/XXXX they filed the paperwork on XX/XX/XXXX which did not give me the proper time to answer to the notice and summons
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30274
Submitted Via: Web
Date Sent: 2024-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-24
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: XX/XX/XXXX I was charged {$360.00} from XXXX, which was unauthorized. I never have used XXXX. I contacted Citibank and they reversed the charge and said they would initiate a fraud investigation. XX/XX/XXXX they added the charge back onto my account and never informed me. I did not receive a XXXX statement. XX/XX/XXXX I then received a payment past due notice by email although I had never received XXXX of XXXX statements. Apparently they had me set up paperless which I did not request. I havent used this card for many months and so did not realize that statements were missing. XX/XX/XXXX I called and spoke to XXXX and she said that the XXXX had no proof of delivery and that someone with a different email ordered it on my card. She said they would remove it back from my account. XX/XX/XXXX It was not removed and interest and late fees were charged on XX/XX/XXXX. XX/XX/XXXX I called again, spoke to XXXX. He said it was being investigated and should be corrected shortly. XX/XX/XXXX I received an email stating that my account is past due 25 days. I know that if the account goes 30 days, it will be reported as a negative on the credit bureaus. I have a XXXX XXXX and I do not want their incompetence to reduce my XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85022
Submitted Via: Web
Date Sent: 2024-01-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A