Date Received: 2024-01-24
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: Fraudulent charges were made on my credit card in another country and the credit card company is not reversing the charges. Theyre holding me responsible for charges I did not make.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 902XX
Submitted Via: Web
Date Sent: 2024-01-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-25
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Hey i cant get approved for credit cards on some shopping sites XX/XX/2024 {$500.00} credit thats all i want
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92630
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: Getting a credit card
Subissue: Problem getting a working replacement card
Consumer Complaint: On XX/XX/year>, I applied and was approved for a Citi AAdvantage Platinum Select Card. I was given a Temporary Card Number that did not work on online transactions, and I was not able to add the card to my XXXX XXXX. On XX/XX/year>, I received an email that said I will receive the card by XX/XX/year>. called Citi at the end of the day on XX/XX/year> and asked whether the card was shipped after I was approved and they said no. I requested a replacement and they refused expedited shipping, stating it will arrive in another 7-10 business days. I signed up for this card expecting time to make the necessary spend required for the AAdvantage miles sign up bonus. Now, it will be approximately ONE MONTH after getting approved for the card without any means to use it in order to meet the minimum spend requirement for the sign up bonus. Citi is not meeting their obligation to give me the credit I was approved for, and engaging in predatory practices by keeping the sign up bonus ( the incentive for why I applied for the card ) out of reach and refuses to take any action to remedy the card not arriving timely. I'm extremely disappointed with Citi 's service, lack of acknowledgement for the issue, lack of responsibilities to meet their own promise to customers for their products..
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: XXXXX
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: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I received a correspondence in the mail on XX/XX/XXXX for a charged off debt from XXXX. I feel that it is way past the debt timeframe and I should not have to pay.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63116
Submitted Via: Web
Date Sent: 2024-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-24
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I filed a complaint against a merchant with Citi pursuiant to the card contract XXXX and XXXX policy. Merchant was XXXX XXXX XXXX XXXX, XXXX de XXXX. de XXXX who refused to accept a foreign card in violation of XXXX policy and Local consumer protection law. Citi instead of filing a complaint against that merchant, filed XXXX ( XXXX ) DISPUTES against a different merchant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Citi was contacted XXXX separate times to try to resolve this issue, remove the disputes, and has not done so. A complaint has now been filed directly with XXXX, XXXX XXXX XXXX, XXXX, MO XXXX Citi has not done what is required of them per XXXX Rules nor what it is legally required to do under Card Holder Agreements. Original letter to Citi attached. ( private info redacted )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78045
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: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I contacted support to remove a {$40.00} late fee that was placed on my account when I had paid on the day it was due. They refused to remove the fee because they work off east coast time and they see me as having paid 38 min late when I was actually before the end of the day. This issue is extreme and unfair and unreasonable to charge and is just a way to increase profits. In no way is there a financial hit the company takes by charging these high fees. They don't need to some kind of cost of lending because a person pays 38 min late in east coast time. This is truly predatory lending.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 810XX
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: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: For billing period XXXX my Adjusted New Balance as shown on my statement reflects {$520.00}. This was incorrectly calculated as the full adjusted balance was paid in the previous billing cycle and new purchases totaled only XXXX. The discrepancy appears once more in the most recent billing statement with interest fees added to the balance. The Adjusted New Balance on the statement for billing period XXXX is once again incorrectly calculated. I called Citi customer service 2 separate times on the morning of Friday, XX/XX/XXXX and spoke with 3 separate representatives. After several hours, I was not offered any explanation as to how the balance was calculated and was promised a call back from a supervisor within 24-48 hours. We are well beyond that timeframe and there is still not response from Citi.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92504
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: Closing your account
Subissue: Company closed your account
Consumer Complaint: After my conversation with the service of the company, they inform that they changed the card, and it will be sent since XX/XX/2024, but at this moment it hasn't arrived. I was out of my country and couldn't used it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PR
Zip: XXXXX
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: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: On XX/XX/year> we purchased an online ticket was purchased for a show in New York on XX/XX/year>. We were in line to attend and the provider cancelled the performance. They informed us that they will resechdule for the next day, but the venue closed and is no longer available. They didn't provide the service that we pay for. We were also promised a gift card for the value of the ticket for the show that didn't happen, but a gift card was never sent to us. I disputed the charge with Citi Cards, but they simply reversed the charge for good reason. In their latest they communication ( attached ) they denied the dispute because we did not provide a valid credit slip, but we were never provided one given that the purchase made online. A receipt has been provided to them, however ( also attached ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10028
Submitted Via: Web
Date Sent: 2024-01-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-24
Issue: Communication tactics
Subissue: Called before 8am or after 9pm
Consumer Complaint: The audacity! I have said repeatedly, remove all names but 1. Remove all address but 1. Remove all jobs. Then XXXX posted a fraud alert with a phone number listed to call first, which I have repeatedly said remove all phone calls but 1. This company and the many other XXXX some agency in banking, credit, reporting, all are acting and behaving like XXXX year olds. Do not listen, and further Perpetuate this operation which keeps the record filled with incorrect information relating to misinformation and bad credit status. I have repeatedly instructed that its a violation of my rights to have this material listed and please remove it. Im told one told, and find the actions are something completely other than what was discussed. Unfair, unjust, unethical and fraudulent conduct continues with this greedy rotten industry thirsting off my credit and sharing none. This has gone too far.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 974XX
Submitted Via: Web
Date Sent: 2024-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A