Date Received: 2024-01-24
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I haven't used the Credit Card for more than 20 months, I received the offer on XX/XX/year>, will earn {$300.00} statement credit when I make {$500.00} or more eligible purchases from XXXX XX/XX/year> or they will close the account. The previous purchase total of {$360.00} through XX/XX/year>. I purchased the air pod at XXXX in the amount of $ XXXXon XXXX received the item on XX/XX/year>. XXXX sent me the invoice that billed to my Credit Card and copy of delivered notice XX/XX/year>. I did not purchase it on XX/XX/year>. The merchant will not charge my credit card after the item was delivered it to me. I reviewed the statements and all the previous purchase dates were different than the actual purchase date. I reached out to Citibank and the agent told me that I purchased the item on XX/XX/year>. I didn't agree with that so I requested to speak with the supervisor. The supervisor told me that when I purchase the stuff on the actual date, the transactions will be posted to the card in 2 days later and then retroactive to the date that I purchased. I attached the copy of the invoice and delivered notice from XXXX. The supervisor told me that I purchased the item on XX/XX/year> and it's not true. The supervisor hung up on me and wasn't professional.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89131
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: 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: In XXXX of 2021 I purchased windows from Home Depot, and opened a Home Depot credit card which offered 24 month interest free financing. I originally decided on the grid style which cost {$11000.00}. A day later I changed the style to the no grid style which cost {$10000.00}, which is {$1300.00} less expensive. I was given a change order amendment form which documents this change along with the difference in price. When I received my first credit card bill, it showed my starting balance as {$12000.00} which is not the {$10000.00}. adjusted purchase price. I have called both the contractor, and XXXX credit services several times to not only correct the discrepancy, but to explain to me the charges, which they can not. They simply tell me what they see on the screen. They requested my proof of the change order amendment document which I faxed to them on XX/XX/2021 via a XXXX store. After no response, I contacted them again, and they said to wait and someone will be in touch. No one did. As the 0 % interest period was coming closer I wanted to transfer my remaining balance to a new card, so as to avoid the impending interest charge. But in doing so would mean paying off this incorrect balance which is obviously ridiculous. So after more attempts to resolve this matter, I am still to this day - stuck with a credit card balance that is incorrect, as well as an additional $ XXXX in interest that they are now charging because the 24 month interest free period has expired.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10573
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: Closing your account
Subissue: Company closed your account
Consumer Complaint: In XXXX I applied for a received a Citi XXXX XXXX account and was a card holder in good standing until XX/XX/XXXX when citi abrubtly decided to close my account. Closing the account resulted in negative points on my credit report, while still having to make on time payments and pay interest. Upon learning of this I contact Citi executive offices due to my disappointed. After investigation CITI revealed the reason for the closure was due to a debt that was charged off in XXXX and sold to a debt collection company in XXXX. This was concerning due to a number of reasons which Ill explain below. 1. Citi pulled a credit report prior to deciding to reissue the card without notice of the credit check. 2. Citi reviewed internal records to make an adverse decision that affected me and according to the FCRA this was done incorrectly and caused damages to me. 3. Citi has started company wide layoffs and informed regulators that this is due to a drop in revenue. However it is clear the drop in revenue is being caused by citi themsleves by shedding on time paying customers for no reason. 4. CIti SOLD the debt and no longer owns it but makes decisions based on the debt. These reasons are concerning but most important is the fact that Citi themselves had trouble and needed a bailout from the American people due to their financial decisions in XXXX. Now in XXXX after being a good customer and never being late Citi decides my past financial decisions should affect my current life. When pressed on this issue and reaching out to the Executive office of Citi I'm told its a private business and they can do what they want even violate the FCRA and cause personal damages to me. When reading online of other peoples issues of same its clear CITI makes adverse decisions to card holders and account holders with ZERO accountability and hides behind being a private business... ..yet is publicly traded on the stock exchange. Lastly the card was obtained AFTER the debt had been sold and been in good standing so looking back 7 years to a previous debt WHILE an account holder makes no sense.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33021
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: 2024-01-25
Issue: Fraud or scam
Subissue:
Consumer Complaint: Transaction ID Number XXXX. Invoice number XXXX Stock number XXXX Invoice date XXXX Item title XXXX XXXX XXXX Performance XXXX Selling price {$14000.00} Transfer payment Citibank XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX account holder XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX Account number XXXX Wiring-routings number XXXX Viewed auto on website. Completed contact form to view photos. Email sent with link to photos. Decided to purchase and sent payment from my bank to their bank by wire transfer. I believed the purchase was valid because it was going to a well known bank, Citibank. I made several contacts to XXXX XXXX .snd XXXX XXXX XXXX I was advised shipment was on the way and then delayed. After I did not receive additional contact, I contacted my bank and try to stop the wire transfer. Based on the disclaimer funds would be refunded if unsatisfied. My bank XXXX was unsuccessful in retrieving the payment from Citibank and Citibank never replied to the request, either to the bank, XXXX or myself. I submitted a claim with the FBI under form ICS. At this point, I dont know what my additional options are. I understand that it may be difficult or even impossible to retrieve my money, but I am willing to take every avenue necessary to do so.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 606XX
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: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XXXX XXXX Ive ordered Macys gift cards # XXXX {$190.00} e-gift card, {$100.00} physical gift card. On XX/XX/XXXX Ive received e-gift card. Per Macys delivery history,2- 3days ( I dont remember exact date ) Ive received physical gift card. Ive contacted to Macys and I let them know I havent received gift card, I requested cancel funds from this card. Ive contacted multiple times, on XX/XX/XXXX and I was assured funds from both cards will be transferred funds from gift cards to my Macys credit card, I was told it will take 7-10 business days. Than Ive contacted again, I was told wait a few more days. On XXXX XXXX Ive contacted supervisor, XXXX XXXX, Ive explained my situation, I was told XX/XX/XXXX request did not process. He told me he put manual request and he sent me email. On XX/XX/XXXX Ive contacted supervisor XXXX XXXX, I informed him Im going to file complaint about Macys, he asked me wait until XXXX XXXX and as accommodation issued {$30.00} Macys XXXX XXXX. On XX/XX/XXXX Ive contacted to XXXX XXXX, she told me wait until XX/XX/XXXX. On XX/XX/XXXX Ive contacted to XXXX XXXX he told me my request declined. I did not receive physical gift card, I did not redeemed e-gift card. After 2 months struggle I lost my {$290.00} ( {$100.00} physical card, {$190.00} e-gift card ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 080XX
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: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Hello, CITIBANKS ARE THEIFS THEY ARE HOLDING MY XXXX XXXX XXXX My funds was locked today for no apparent reason. They said they could not verify my identify for whatever reason but I had and still have ALL of my documents. This account is new even though I previously had an account with Citibank before joint with my dad. I made transfers to two different accounts from my XXXX sacs account but i wanted to transfer the funds i deposited in my citi to my XXXX XXXX because I had to make a purchase in the process of giving me a cashiers check in my name they locked my account and said theres nothing that can be done. This whole experience is just traumatizing and extremely unfair. I just want my account unfrozen and my money released please thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20910
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: 2024-01-23
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I am trying to transfer the money in my account to another bank that is linked online. I get this message everytime. For security reasons, we can not allow you to proceed. If you require assistance, please contact Citibank Online Customer Service at XXXX [ TTY XXXX ] and mention Error Code XXXX. When I call the number the automated voice tells me there is no bank linked and that is it. There is no way for me to resolve this " security reason '' and I need that money now.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30017
Submitted Via: Web
Date Sent: 2024-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-24
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: On XX/XX/XXXX I purchased a refrigerator from Home Depot, and because they offered an 18 months no interest on the store credit card, I signed up to open an account. The initial credit line was for {$3000.00}. I made my calculations how much I have to pay monthly to make sure the balance for my purchase was paid off by the end on the 18 months interest free period, and that amount was just under $ XXXX ( receipts and statements can be found on company 's files and will also be attached here ). XXXX, XX/XX/XXXX when I review my bill, I saw the fine print that said that the interest free period ended in XXXX, XXXX. I immediately called Home Depot credit card XXXX and asked them about the promotion they had in summer of XXXX, and I told them that when I opened the account, I agreed to the 18 months interest free promotion, and the bill shows I only received a 6 months interest free, and now I was charged a 26.99 % interest rate. The representative offered to adjust the interest rate right away, and after she did I asked her how often does that error happen? She said that the computer system does that sometimes, but they are quick to adjust the rates when customers inquire. My concern is, that many consumers are not aware of the error occurring, and are overcharged without their consent. I feel lucky that I took the time to read my bill in detail today and I found the error early on. An other concern I have is that Home Depot was aware of their faulty computer system and did not correct the issue that causes a lot of their consumers to be overcharged. I request an investigation on this issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 47905
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: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: When I answered, they wanted to know if it's me and when I said who's calling, they said it's personal. Another time they called, they said they are in a recorded voice and I said I don't to be recorded, they hung up Another time they said when I asked where they are calling from and they said XXXX XXXX. I asked what's that and they said personal matter I also had some correspondence
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 40160
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: Problem with fees
Consumer Complaint: I made a purchase on XX/XX/XXXX for {$59.00} The closing date on by account is the XXXX of the month and the payment due date is the XXXX of the following month. This purchase was the only transaction and amount due on my statement. So, {$59.00} was due on XX/XX/XXXX. I returned the item on XX/XX/XXXX. This was well in advance of my payment due date, so I did not make a payment on XX/XX/XXXX as my remaining statement balance was XXXX. I was assessed a late fee of {$29.00} on XX/XX/XXXX. I called Macy 's to ask why I was charged a late fee when the item was returned well in advance of the payment date. I was told it does not count towards my account balance until the billing cycle has ended. In other words, I returned the merchandise, they have it back, but they won't actually credit the return to my account until the next statement closes. I did call Macy 's and after about XXXX minutes to explain the situation. They adjusted the charge but couldn't answer my questions about if this was a legal practice and how I could file a complaint as a consumer. This seems like an unfair and dishonest billing practice. Every credit card I have shows a " remaining balance '' when you go to make a payment. Some people live paycheck to paycheck and count on receiving their money when they return something. Why should they still be expected to pay for something they no longer have/own. I can see if the account take XXXX or XXXX business days to update, but in my case we're talking XXXX business days ( 16 days total ). Is this legal for them to conduct business this way? Does this go against my credit as a late payment, thereby affecting my credit score? I would appreciate a response. Thank you. XXXX XXXX I tried to upload a copy of my account statement and my return receipt. The upload was not working. I can provide in by email if required and contacted.
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: 2024-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A