Date Received: 2024-01-23
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I ordered a Citibank American Airlines card a couple of years ago. They opened an account for me and sent a card, but it's not the AA card, it's a different one. So I applied for the CitiAA card again. They did the same thing to me TWICE more- kept sending me a different card than I had applied for. Now I have 4 Citibank cards. Because of my income and credit, I had high credit limits, i.e. up to $ XXXX. Then they sent me a couple of 0 % balance transfer offers, on a couple of those cards. I took advantage of these, and did not max out those accounts when I did so. I still had plenty of available credit. I did not use those cards at all, and paid much more than the minimum payments on all accounts, well before due dates, while the 0 % interest rate was in effect. My credit report shows I have always paid as agreed. Nevertheless, Citi arbitrarily reduced my credit limits on JUST THOSE CARDS to just a couple of XXXX dollars above the balance, thereby causing my credit score to drop. I know this, because the amount of unused credit on a card has an effect on your XXXX score, and I was in the process of refinancing a property I own when they did this. Citi 's actions caused my credit score to drop, which in turn caused me to have to pay a higher interest rate on the mortgage. I called Citi and spoke with a couple of people about it who said there was nothing they could do. The refinance paid off these cards, and then I received ANOTHER balance transfer opportunity ( 0 % interest for 12 months again ) on a different Citi card. I took advantage of this, and then almost immediately Citi reduced the available credit to just a couple of XXXX dollars over the balance, causing a hit to my credit score AGAIN. This time I have proof of the change. I don't have proof from the 1st time. Please see the attached documentation. Citi should STOP the practice of arbitrarily reducing credit limits on the public when someone takes advantage of the XXXX percent balance transfers. Also, they should send you the card you applied for, the FIRST time. This appears to be almost a mercenary practice, potentially harming people 's credit scores just so Citi can show that they carry a lot of accounts, and have more capability of profiting when the 0 % interest rate expires. Once that interest rate expires, the new interest rate is 29.99 %. THIS SEEMS LIKE USURY TO ME. They try to trap the consumer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90049
Submitted Via: Web
Date Sent: 2024-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-23
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Citibank closed my account back in XXXX due to the accusing me of posting a fraud check. I called Citibank and I had them call XXXX XXXX who issued the check and they verified that the check was not fraud, but they could not re open the account. I said that is fine just send me my money. The representative told me I will be getting my money within 60 days. Its been more than 60 days I have not gotten my money or any updates. Every time I call them all of a sudden my mothers maiden name is not correct and they can not access my account but when I threaten to get a lawyer the representative then all of a sudden told me he can see my account and that he sees that I am owed money but he cant help me and he will ask the escalations department and states he will personally call me back within 48 hours. I never got a callback. I have called every single day and the representatives that answer either hang up on me or they told me that they have to look into it further because they cant answer my questions on whats happening with my money! All I want is my money!!! Citibank is fraud and thieves. My mothers maiden name has never changed and I was able to access my account with that name prior to me asking for my money but since I want my money they are stating that that is no longer correct. This is ridiculous.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77081
Submitted Via: Web
Date Sent: 2024-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-23
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: The card is our citi Costco credit card. Today I went to Costco and the card was denied for payment. Came home, called the Company and was informed that the card account was closed by them. I asked why and they would not tell me why XXXX one of the Customer service reps asked if I have recently file for bankrupcy and I told him no XXXX then he hungup the phone.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32707
Submitted Via: Web
Date Sent: 2024-01-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-23
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX -Hard inq : XXXX XXXX ( Bank ) XX/XX/year> They have no record of me i also never requested a credit card and they cant find me in there system and would like to get removed ASAP. XXXX - Hard inq XXXX XXXX, XXXX XXXX They also have no record of me i also never requested a credit card and they cant find me in there system and would like to get removed ASAP. PUBLIC RECORD DISMSD/CLSD XXXXXXXX XXXX XXXX No money is owed and nothing was finalize and was also got a dismiss later and was told it would be removed due to error
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: 2024-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
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: I am responding to the dispute email I received from Citi in regards to dispute cases XXXX XXXX XXXX XXXX. I wish to continue disputing these cases because I did not receive the services I purchased. I made 3 purchases with flights on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All three of these items were for tickets from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX When I went to the airport the ticket agent stated that the flights were actually originating from a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) that I purchased on the XXXX The ticket agent said that this happens all the time with XXXX and they have a known issue with their system that causes this to happen frequently. I was informed that the Airline would refund my tickets because I showed up to the airport and this was an error I was unable to resolve. However, weeks later, there was no credit refund to be found. I contacted XXXX XXXX XXXX and they both pointed fingers at the other merchant stating they can not help because they don't have any liability in this. XXXX said it was XXXX who switched the airline location and XXXX customer service said it was the XXXXXXXX XXXX After I got nowhere with both merchants involved in this, I decided to speak to a lawyer to see what right I have and they told me to get proof of the errors in the system if possible. I recorded the way the system is switching the flight locations and then not showing this change clearly once the ticket is purchased. Once purchased it only shows you the final destination on the app so there was not a clear way for me to understand that the " from '' location was altered in the programming of the app with XXXX and XXXX XXXX. I have proof of these errors and here is the video link I posted on XXXX XXXX XXXX XXXX This shows how it moves from screen to screen and alters the flights ' origin location even when I clearly enter in XXXX XXXX XXXX in the " FROM '' location. When it brings back the location it shows XXXX - All Airports in XXXX XXXXXXXX. This makes it seem like the location you select on future screens will be XXXXXXXX XXXX because there is no other option available. The search criteria clearly shows no airports in North Carolina but calls XXXX, XXXX XXXX XXXX. Then after the fact it alters the airport location. If you search for XXXX it returns XXXX - All Airports in XXXX XXXX so later when you see XXXX, you assume its the same one presented to you. Again I contacted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX customer service and all three said they could not help with anything and only blamed the other merchants. XXXX XXXX kept hanging up on me. I would call XXXX After I would explain the situation, they would say they are placing me on a brief hold and then would disconnect the call. Thanks, XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 72703
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
Issue: Problem caused by your funds being low
Subissue: Late or other fees
Consumer Complaint: I have a business account with Citibank and was told that I could have a free personal checking and savings account because of the business account. I opened the free checking and savings account only because it was free. I rarely use the personal checking and savings account. This past weekend I wanted to transfer some funds and found the personal checking account was closed with a XXXX XXXX. I spoke to Citibank and the XXXX number told me they never offer free checking accounts. I know this to be a lie because older bank statements show that there were no XXXX XXXX fees.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92704
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: On XX/XX/2024, I received notification that my Citi XXXX, Citi XXXX, and other Citibank credit cards that I had for XXXX years credit limit was decreased due to an XXXX report. In reviewing my XXXX report, these three credit cards were the only ones with higher spending limits that overpaid every month for the last three years. I have been a loyal customer and have never been late on any payments in 3 years. With Citibank lowering my credit limit, my debt ratio went from 29 % to 41 % lower my credit score by XXXX points. This is unacceptable and as XXXX XXXX and speaking to other XXXX would have recently dealing with the same issues we feel targeted and suspect credit discrimination. Per credit protection law, During the application process or when making a credit decision, a creditor must not give you different terms or conditions, like a higher interest rate or higher fees ( based on any of these factors ) must not discourage you from applying or reject your application for a loan ( based on these specific factors : your race, color, religion, national origin, sex, marital status, age and whether your income comes from public assistance or whether youve acted on your rights under the federal credit laws ) must not consider the racial composition of the neighborhood where you want to buy, refinance, or improve a house with money youre borrowing must not consider your religion must not consider your race or sex, including sexual orientation and gender identity But a creditor may ask you to voluntarily disclose this information because it helps federal agencies enforce anti-discrimination laws. must not consider your national origin But a creditor may consider your immigration status and whether you have the right to stay in the country long enough to repay the debt. must not consider your age unless Youre too young to sign contracts, which generally means under XXXX. Youre at least XXXX, and the creditor will favor you because of your age. Your age is used to determine the meaning of other factors important to creditworthiness. For example, a creditor could use your age to determine if your income might drop because youre about to retire. Your age is used in a valid credit scoring system that favors applicants XXXX and older. A credit scoring system assigns points to answers you give on credit applications. For example, your length of employment might be scored differently depending on your age. must not consider whether you have a telephone account in your name But a creditor can consider whether you have a phone at your residence. may not ask about your marital status if youre applying for a separate, unsecured account, and you dont live in a community property state But if the application is for something other than a separate unsecured account, a creditor can ask about marital status using the terms married, unmarried, or separated ( not widowed or divorced ). may not ask for information about your spouse, unless Your spouse is applying for credit with you. Your spouse will be allowed to use the account. Youre relying on your spouses income or on alimony or child support income from a former spouse. You live in a community property state. may not ask about your plans for having or raising children may not ask if you get alimony, child support, or separate maintenance payments Unless they tell you first that you dont have to provide this information if you arent relying on these payments to get credit. But a creditor may ask if you have to pay alimony, child support, or separate maintenance payments. When evaluating your income, a creditor may not refuse to consider reliable public assistance income the same way as other income may not discount income because of your sex or marital status. For example A creditor can not count a mans salary at 100 percent and a womans at 75 percent. A creditor can not assume a younger woman will stop working to raise children. may not discount or refuse to consider some income because it comes from part-time employment, Social Security , pensions, or annuities may not refuse to consider reliable alimony, child support, or separate maintenance payments But a creditor may ask you for proof that you get this income consistently.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 381XX
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I called in XX/XX/XXXX to cancel my XXXX XXXX XXXX XXXX because i did not want to pay the {$99.00} annual fee. The person I talked to suggested an XXXX XXXX. I accepted the offer. Later, I found out the Executive had a {$590.00} fee AND she had not cancelled the Platinum Select. I never got a bill for the Executive and later found out I had a late charge. I paid the bill immediately. When I called to close the Executive because I didn't want to pay the {$590.00} fee I had never been told about, the representative would not allow it, but wanted to downgrade both the cards. I told her I wasn't happy with that, so she put me on hold for XXXX minutes and then the line went dead. It gets worse. After I paid the Executive bill, I realized I had over paid by {$600.00} + dollars and Citi would not release my money because " the cards are cahnging over and it just can't happen now. '' XXXX I returned some shoes for {$120.00} on thea card on XX/XX/XXXX and it still hasnt shown up. So that's {$800.00} approximately of my money Citi is holding without interest. From the beginning I was mislead and now cheated. Please help. By the way, I still had to pay the {$99.00} fee and spend about XXXX hours of my time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 731XX
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: 2024-01-22
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: Bloomingdales -- - Didnot receive an online order via mail. Matter was investigated via Bloomingdales back house team. Redeemed the that shipped to an incorrect address. Investigation revealed funds should be refunded to me ( consumer ) on or about XXXX via email. After numerous phone calls and emails to customer service I have yet to receive a refund to my bloomingdales credit card. I was informed that a credit would be issued in form a a bloomingdales gift card and not via bloomingdales credit card. I have been paying interest for 2 months on items I dont have. I also had to repurchase the same items because I never received them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60649
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
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: I am filing this complaint with the Consumer Financial Protection Bureau in response to the update I received from Citi about the status of my dispute. Citi concluded they were unable to assist me because of the amount of time that has passed since the date of the charge. They also suggested in their response that if I wanted to pursue the matter ; to seek alternate means to obtain the credit for my account. This is why I am filing this complaint with the CFPB. I started this dispute early summer of XXXX. The case ID : XXXX Documents supporting my dispute were uploaded and should be found under this case ID. Since the amount of time is the issue with Citi, I will summarize the timeline of this transaction from the date of the charge until now. On XX/XX/XXXX I made a purchase of a vehicle from the merchant, XXXXXXXX XXXX XXXX XXXX XXXX. XXXX XXXX was a licensed auto broker obtaining vehicles from other dealers for their clients. I used this merchant to find the vehicle I wanted and to do all the paperwork. The purchase price of the vehicle was {$58000.00}. I used three separate credit cards plus some cash to complete this transaction. {$17000.00} was charged to my XXXX XXXX, {$12000.00} was charged to my Citi Costco Visa Card and {$26000.00} was charged to my Citi Driver 's Edge Mastercard. The transaction appeared to be fine. XXXX months later on XX/XX/XXXX the XXXX XXXX Sheriff showed up at my house to recover the vehicle I thought I had purchased from XXXX XXXX. They explained to me that the vehicle I purchased from XXXX XXXX was reported stolen by the dealer XXXX XXXX used to obtain the vehicle. They also explained to me that under California law that the vehicle was never mine and had to be returned to the original title holder. It then took a few weeks to figure out what my options were and sometime in late XXXX or early XXXX I started the process of disputing the credit card transactions as fraud. So for each of the three credit cards used, I found out the process of doing this and then disputed the transactions as a fraudulent transaction. I explained the situation and uploaded documents supporting my dispute. Each credit card received my documents and started their investigation. Unfortunately for me I disputed this charge as a fraudulent charge and each credit card came back and rejected my claim as fraud stating this was not fraud since I willingly made this transaction. I was told I could dispute this transaction as a billing dispute since I did not receive the merchandise as promised. So I started the process all over again, this time as a billing dispute. So now it's late summer XXXX and close to XXXX year since the original transaction. I was on the phone numerous times with associates from the dispute departments on how best to proceed and if the information that I submitted as a fraud dispute could be used or transferred to the billing dispute dept.. One associate from Citi assured me that all the documents I submitted to the fraud dept would be transferred to the billing dispute dept.. This conversation referred to the Citi Driver 's Edge Card. At about that time I was receiving updates from the Citi Costco Card about their investigation. Finally on XX/XX/XXXX I received a letter from Citi Costco Card that the dispute has been resolved in my favor and the {$12000.00} credit would now be permanent. The Citi Costco Card dispute ID was : XXXX. I am still waiting for a response from the Citi Driver 's Edge Card. After waiting several months for a response I call them and was informed that the case was never transferred over from the fraud dept to the billing dept as promised. The Citi associate suggested I make hard copies of documents and statements and mail them directly to the Citi billing dispute dept. It is now XX/XX/XXXX and I make the copies and mail them off. Then in early XX/XX/XXXX I receive a letter from Citi stating too much time has passed from the date of the transaction for Citi to assist me and therefore the investigation is closed. I know this is a lot of money and a lot of time has passed. I'm hoping you will see and understand that the timeline in question was out of my control. It was XXXX months before I was informed the merchandise promised by the merchant ended up as being stolen by the merchant. It took several weeks to start the dispute process and much time was lost due to the dispute originally filed as a fraud dispute and not a billing dispute. I hope this explains the timeline of this dispute and you will take that into consideration. I also hope you would look at the results of the Citi Costco Card investigation and take that into consideration. It was the exact same transaction. Thank you for your time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93657
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A