Date Received: 2024-01-20
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Citibank unfairly reported negative payment information to all 3 credit agencies regarding a situation in which the account holder ( me ) was not at fault for the delay in payment. On XXXX XXXX, there was a technical error with XXXX XXXX XXXX auto billing which resulted in a missed payment cycle to Citibank. The account holder was unaware of the issue until the following billing cycle at which time the billing issue was corrected and payment was rendered. Citibank was made fully aware of the problem and completely ignored the fact that the missed payment was at the fault of XXXX. Citibank unscrupulously reported negative information to my credit report for XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 115XX
Submitted Via: Web
Date Sent: 2024-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-20
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 on card occurring XX/XX/XXXX for {$200.00}, XX/XX/XXXX for {$130.00}, {$110.00}, {$25.00}, {$10.00} and {$18.00}, XX/XX/XXXX for {$41.00} and {$2.00}, and one for {$130.00} on XX/XX/XXXX. Disputes were filed on XX/XX/XXXX and XXXX but claim was denied and was never told why.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55304
Submitted Via: Web
Date Sent: 2024-01-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-20
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XXXX XXXX Ive ordered Macys gift cards XXXX XXXXXXXX {$190.00} XXXX XXXX, {$100.00} physical gift card. On XX/XX/XXXX Ive received e-gift card. Per Macys delivery XXXX XXXX ( 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 XXXX business XXXX. XXXX Ive contacted again, I was told wait a XXXX more XXXX. 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 XXXX going to file complaint about Macys, he asked me wait until next weekend, 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 XXXX XXXX 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: 2024-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-20
Issue: Fraud or scam
Subissue:
Consumer Complaint: ON XXXX XXXX XXXX my computer was hacked by scammer name XXXX XXXX # XXXX claiming he is from XXXX XXXX to clean computer due to corrupted defender. He can clean the computer for {$270.00} so I paid with credit card .Next day he called back that my computer was still on warranty so he will return my money back but in order to do that he said money coming from the company bitcoin wallet. I was sent a link to get the refund but when I input the amount of {$270.00} XXXX checked if amount was correct, I agreed when it was refunded it was too much it became {$27000.00} he could have added extra zero to the amount prior to sending it to my account. He said I have to return the extra money back to them I agreed. To do that he wanted wire transfer for {$26000.00} on XX/XX/XXXX to XXXX XXXX it was done case # XXXX .Next day he said money was denied by CITIBANK to recall money. It was done but I was unable to check online since the scammer locked my computer. XX/XX/XXXX another wire transfer done from XXXX XXXX to XXXX XXXX for {$25000.00} since he claimed no money was sent on the first wire. Next day XXXX scammer said the money did not go through again to recall the money I did it again, fraud line agent XXXX told me it takes 3 days to fund the transfer. On XX/XX/XXXX called fraud line another agent XXXX and XXXX to return the money back gave me case number XXXX. XXXX said the transfer was stopped no money was returned. on Another wire transfer done from CITIBANK for {$25000.00} to XXXX XXXX case # XXXX on XX/XX/XXXX sent and recalled it back same day since XXXX said no money was received again .This guy was manipulating all my accounts from two banks and took cash advance from XXXX XXXX credit for {$6000.00} by XXXX # XXXX XXXX on XX/XX/XXXX. All these transactions I was never informed by both banks what was going on. Same date XXXX demanded me to deposit cash money to XXXX machine for {$25000.00} to get their money back it was done .Another deposit done on XX/XX/XXXX since he claimed the machine was jammed that money was returned by IRS that I need to deposit another $ XXXX off set the jammed .Again on XX/XX/XXXX he still insist that money was not enough to deposit another {$10000.00} all these money went to their XXXX wallet address XXXX XXXX XXXX I was able to see online my account and found out all money was gone on both banks I called XXXX he denied scamming all the money .I then went CITIBANK to close my accounts and reported to fraud line about the it. Then I went to XXXX XXXX but the banker said I have to call the fraud line since he can not access my credit card transaction so I called fraud line to report the scam done XXXX responded on XX/XX/XXXX that the wire recall was no longer available funds already withdrawn and the receiver account was closed. XXXX XXXX responded on XX/XX/XXXX that they could not reverse the online transfer since either there is not enough funds in the account or it is closed XXXX XX/XX/XXXX XXXX I sent a dispute letter to both banks to investigate further this scammer and up to now no response XXXX have file a report to the local police about the fraud on XXXX the fraud to IDENTITY THEIF website and FBI on XX/XX/XXXX. Here is XXXX XXXX email address XXXX said he works with XXXX XXXX help line phone # XXXX or XXXX. Phone for XXXX wallet ta get XXXX code was XXXX. To send XXXX picture phone # XXXX. XXXX XXXX phone # XXXX .Thanks you. .
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90250
Submitted Via: Web
Date Sent: 2024-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-21
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 Friday, XX/XX/2024 I called the fraud number at Citi card. I told them there were a number of fraudulent charges on my card dating back six months. I did not make these charges, most of them were from out of my home state. My card is maxed out at {$22000.00} and Citi Card said I owed them {$680.00} on XXXX XXXX. I was transferred around several times and finally got to an agent who said I would not be liable for the charges. Today, CitiCard sent me an email stating : Hi, XXXX. Based on the dispute you asked us to review, we've adjusted the Minimum Payment Due for this month. Your new Minimum Payment Due by XX/XX/2024 is {$680.00}. How your new Minimum Payment Due was calculated Your new Minimum Payment Due was recalculated based on the total new balance from your most recent statement, minus the disputed amount. This adjustment doesn't reflect any payments you've made since your last billing statement. If you've made a payment already, you can view your updated balance anytime in the Citi Mobile App or Citi Online.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NE
Zip: 68127
Submitted Via: Web
Date Sent: 2024-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-21
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Dear Consumer Relations : I am writing to dispute a charge of {$5800.00} to my Macys credit card account sometime in early XX/XX/XXXX. The charge is in error because Macys XXXX XXXX Department did not thoroughly investigate this concern and charged my account for items I did not purchase. On XX/XX/XXXX, XXXX, and XXXX XXXX, many fraudulent charges were made to my Macys card, totaling to the amount of {$2900.00}. These charges were not made by me, as I have not shopped at Macys the entire XXXX and XXXX of XXXX. It was not until I made a furniture purchase on Macys.com in late XXXX XXXX that I noticed these charges to my account and that all of this time I had been making payments to these fraudulent purchases and not my own. Upon inquiring with Macys customer service, these charges were made at my local Macys but I havent physically gone to the store in that entire time. I called Macys XXXXXXXX XXXX sometime in XX/XX/XXXX and spoke with a representative who reversed these fraudulent charges, ensured that purchases I made were correct, and closed the account for safety, and assured me that the store will conduct a thorough investigation to include checking the security cameras in my local Macys to find the person who stole my account information. Again, I was assured that this would be handled promptly and efficiently. Based on previous statements, I do not make large purchases like the fraudulent ones and am very mindful of how I spend. On XX/XX/XXXX, I received a letter from the Macys XXXX XXXX stating that they did not find the investigation in my favor and had reversed all the charges back onto my new Macys card. Not only did they reverse the charges, but they double charged my account for an unknown reason, totaling the amount to {$5800.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 809XX
Submitted Via: Web
Date Sent: 2024-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-21
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Citi Cards lowered the credit limit many times since I got the Citi Diamond Preferred Credit Card. There was no valid reason because I had never missed a payment. One of the excuses they wrote on the notice mentioning that they lowered the limit, was that I had spent a high debt-to ratio amount. This is false because they were lowering the limit to get it closer to the amount I had spent, then falsely accusing me of spending too close to the limit. These two injustices on the part of Citi Cards, lowering the limit, then reporting me for spending too close to the limit caused me a lot of financial losses as I was starting my XXXX XXXX XXXX self-publishing business and was depending on my promised available credit to pay for the start-up costs of establishing the business. So, upon finding out that the amount on which I was depending had disappeared, I started applying to borrow from other sources. My applications for a XXXX loan were all declined because Citi Cards ' false reports had brought down my credit score from Excellent to poor. And the only credit cards who allowed me to borrow more were at an interest rate of over 35 %. Citi Cards caused my credit score to go from XXXX ( the highest possible ) to XXXX in the Poor category. Plus, I had budgeted for a schedule of payments that I could afford, but when Citibank brought down the credit limit to less than what I had already borrowed, they not only lied to the credit bureaus that I spend above the credit limit, but they added the difference they went below my borrowed amount ( in this example {$70.00}, Exhibit Three ) to my monthly payment thus more than doubling the monthly payment ( see Exhibit Three again ) and including the total in the MINIMUM DUE to make it mandatory to pay it right then. This is clearly and obviously a case of stealing money by forcing the borrower to pay for a reason that they caused themselves. And the false report that I spend above my allowed limit lowered my credit score even further, caused more of my credit applications to be declined, AND ADDED TO THIS, the more one applies for credit, the lower the score goes down. THE TRUTH IS THAT I HAVE NEVER SPENT ONE CENT ABOVE THE AVAILABLE CREDIT when I make a purchase. I was always extra careful that my credit score wouldn't go down from XXXX to XXXX, but NOW, THROUGH NO FAULT OF MINE, the score crashed to the lowest possible level. I had to find other sources from which to borrow because I had to honor the business commitments which I had ordered. Right now, I have stopped making the minimum payments due for THE FIRST TIME IN MY LIFE. I incurred huge losses from not being able to publicize my books at seasons when many XXXX XXXX XXXX are usually bought as gifts, because of having to keep paying the extra amount to Citi Cards. Plus, that caused me to miss bringing in all the profit I could have made during the holiday season. I developed XXXX XXXX XXXX XXXX XXXX XXXX XXXX. that is why my family thought I had XXXX. But the skilled XXXX succeeded in preventing a second brain XXXX, which would have caused my immediate XXXX. Citi Cards caused much more financial losses than the extra amounts they kept adding to the minimum due in addition to their false reports accusing me of actions for which they were responsible themselves. Just by lowering multiple times the limit on which I was depending to cover the business startup costs, threw my whole planned budget off. it was a chain reaction that step by step brought down my credit score from the top level to the lowest and led to losing all the funds that I would have saved by now to pay off my credit card debts and pay for all the cost of setting up the business. Not to mention the aggravation to my medical condition by causing the development of new XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 915XX
Submitted Via: Web
Date Sent: 2024-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-21
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: I had signed up for a 1.99 % rate sometime last year. Received my statement/bill/summary yesterday and noticed the dollar amount of interest had gone way up. Called CITI and was told by agent that I was informed on my XX/XX/XXXX statement page 3. No it was page 4. One line among pages of lines. Offer XXXX promotional APR ended XX/XX/23. Nothing other than that. No email or text or letter saying that your promotional rate was ending. They make it so inconspicuous that unless you read all pages line by line they hope you will not see it. The rate went from 1.99 % to 21.9 %. I paid off the balance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 208XX
Submitted Via: Web
Date Sent: 2024-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I had a Citi Advantage Platinum Select World Elite Mastercard. I closed the account early last fall. I cancelled a vacation and XXXX provided a refund. I didn't realize the refund was going to this closed account. I logged into my closed account to see that I had XXXX refunds from XXXX XXXX, XX/XX/XXXX, & XXXX. When I realized this had happened I contacted Citibank and they assured me that they would transfer the money to the checking account from which I had paid my credit card bills. They said this would take 3-5 business days. I did not receive the money so called back on Monday XX/XX/XXXX. I spoke with someone who said the refund had been approved but because of the holiday on the XXXX, I would receive the money on XX/XX/XXXX. I did not receive the money on XX/XX/XXXX so I called again on XX/XX/XXXX. At that time, I was told that the refund had not been approved so they would need 3-5 business days to approve it and then 3-5 business days to transfer the money if the refund was approved. I asked to speak to a supervisor and explained to her what had happened. She was professional but couldn't help. I asked to speak to her supervisor -- she said her supervisor would call me back within 24-48 hours. This did not happen. I just logged into my account again and saw that I now also have a refund from XXXX to this card. I had requested that XXXX send the refund by check. I just called XXXX and they said that now that the refund has been processed, there is nothing they can do. Currently, I am owed {$8300.00} by Citibank. They have had the majority of these funds since XX/XX/XXXX. I really need access to this money and they have not done any of the things they said they would do. I would greatly appreciate assistance. Thank-you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85718
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Atrocious Experience with Citi Diamond Preferred Card Terrible Card! Don't be fooled! I always receive an invite in my mail box about this Citi Diamond preferred card back in XX/XX/XXXX and that they are offering 0 % introductory APR for 21 months from date of first transfer when transfers are completed within 4 months from date of account opening. I was convinced to avail. Now today, XX/XX/XXXX I was not even close to the 21 months of using it, but they already charged me exorbitant amount of money for the interest amounting to {$60.00} which makes my minimum payment of due of {$93.00}. I tried calling their customer service rep on the phone and even had the chance to talk to his supervisor to explain to me how this happened, they said I was offered 21 months in the mail by XX/XX/XXXX but as what they are seeing in my account, the 0 % APR is only good for 18 months. I asked them why would they advertise 21 months with 0 % APR for all their platforms but not stick to it and just give customers like me only 18 months. THEY CAN'T EXPLAIN THAT! I asked if It's because of the credit worthiness? For I do not have any late payments. Again, THEY CAN'T EXPLAIN THAT! They just told me that I will receive a letter within 7 business days about the dispute I am asking them. Very Bad customer service and very Atrocious Experience with the Card and their personnel! Beware of this Card! I want to file a formal complaint of misleading information. I would also like to know if they can remove this amount they put for my interest rate this month and still be able to get the 21 months 0 % APR like what they have been advertising all over their platforms. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32119
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A