Date Received: 2024-01-12
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I mailed in a 3rd party check to pay down my credit card ( Macy 's Amex/CBNA ) in the amount of {$10000.00} on XX/XX/XXXX. I received an email on XX/XX/XXXX 'Confirming your Billing Dispute '. I did not create a billing dispute so I called and spoke with someone who kept claiming I had created the dispute. I escalated to a " supervisor '' who told me the dispute was created in their back office but she was not sure why and that they shouldn't have used the wording. The dispute created stated the following : Mailed Payment is Missing, amount {$10000.00}. I had not called to let them know of the payment and had not checked to see if the check had cleared my account prior to this dispute being made. The person I spoke with said that they would look into it and for me to give it a couple days and then call back. Which I did on the XX/XX/XXXX, XX/XX/XXXX, and again on XX/XX/XXXX. All calls that resulted in the same thing, they didn't know anything about the payment and could not tell me why the dispute was created. On XX/XX/XXXX I spoke with another " supervisor '' who advised that she would send a letter to their back line team to find out why they created the dispute and they would have 5-7 business days to respond. I called the third party who wrote the check and the check cleared on XX/XX/XXXX. I had to make a payment on XX/XX/XXXX in the amount of {$380.00} as to not incur a late fee, a payment that was on the total amount of the bill even though I had already made a {$10000.00} payment that they have somehow misplaced. As of today XX/XX/XXXX, the payment is still not showing applied in my account but I verified that the check did clear on XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37138
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-20
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: I have an account through XXXX XXXX, Acct # XXXX, as reported on XXXX. Please begin to report and add this credit card to my XXXX and XXXX accounts as well. I have called several times to have this account ADDED to my credit report, with no success. Please update ad ADD THIS ACCOUNT TO MY CREDIT FILE.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43612
Submitted Via: Web
Date Sent: 2024-01-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I pay my Citi credit card balance in full each month. Citi sent an offer to reduce my interest rate on outstanding balances and I applied. This appeared in my statement for my account paid in full : Interest + {$23.00} Billing Period XXXX Interest + {$18.00} Billing Period XXXX I called XXXXCITI ( XXXX ) and they explained that it was interest on the outstanding balance at the reduced promotional rate. I explained that the balance was paid in full each month. They put me on hold, researched the issue, and agreed to credit {$41.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 50266
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-20
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/XXXX, Citibank put a block on my account for no reason at all. I called XXXX times asking why there was a block on my account. The fraud department hung up on me each time and did not give me any reason as to why. At the same time that was my money which left me stranded in another state.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06902
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: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Statement close date was XX/XX/XXXX. Statement was issued and payment scheduled for {$200.00} on XX/XX/XXXX. This is more than the minimum required payment. When the next statement was issued on XX/XX/XXXX for a close date of XX/XX/XXXX, it shows the {$200.00} payment made and included a late fee of {$29.00}. I immediately called Citibank and the customer service rep refused to review the account, telling me the payment was due XX/XX/XXXX, so the payment made in XXXX did not apply to the XXXX due date. I requested to speak to a supervisor. The supervisor, XXXX, also continued to repeat the XX/XX/XXXX due date, however, eventually agreed to remove the late fee. I can accept this being a computer glitch. However, the refusal to review the account, apply common sense, is unacceptable. It is though, they are trained to expect everyone to pay late and complain, so can't possibly entertain any other option.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: XXXXX
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 lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I am a joint account holder along with my mother, who at XXXX is suffering from early XXXX. As such, I handle all of her financial affairs. On XX/XX/XXXX, a remotely created check for {$1500.00} was cashed against our checking account without our knowledge or consent. I became aware of this when I went to the ATM on XX/XX/XXXX to make a withdrawal and noticed that the balance was not what it should have been. I called the bank and was told that they'd have to close the account. This we didn't want because there were retirement and XXXX deposits forthcoming. On Monday, XX/XX/XXXX, my mother and I went to the branch to report the breach and were required to file an " Affidavit of Forgery, Alteration, Counterfeit or Unauthorized Remotely Created Check ''. My mother signed the Affidavit, as the check was drafted with her name and address on it. The Branch manager notarized the form, and we were assigned a case number along with copies of the complaint. The bank put a debit block on the account. We heard nothing from the Bank after that. For the record, neither my mother nor I authorized this transaction, received any benefit or merchandise, tangible or digital, as a result of this transaction. I began calling the Bank general customer service number and was eventually given the number for their " IFA '', Internal Fraud Alert Dept, XXXX, and I called them on XX/XX/XXXX at XXXX. After providing our case number and other identifying information, I was told that they initially sent the complaint to XXXX XXXXXXXX XXXX but realized that that was the wrong bank and that they then forwarded it to XXXX XXXX and was waiting to hear from them. I was told to check back. On XX/XX/XXXX at XXXX I called the IFA Dept requesting an update only to be transferred to another department. The representative, " XXXX '' told me that our case was cancelled. When I protested stating that we had not received any type of communication pertaining to this action, neither via mail nor message in their banking app advising that there was an important document. The best that she could offer was to open a new case and told me that they would be mailing us forms to complete to email back to them. This is unacceptable. XXXX days/ XXXX business days have passed since our account was compromised, and not only have we not been made whole, but must start all over. Again, unacceptable and in total violation of numerous laws and our rights as banking customers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11520
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: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I am writing to address a matter of concern regarding excessive phone calls from your company, which I believe constitutes a violation of the Fair Debt Collection Practices Act ( FDCPA ). According to the FDCPA, specifically under Section 805 ( c ), debt collectors are prohibited from engaging in communication with a consumer in connection with the collection of any debt at any unusual time or place or at a time or place known or which should be known to be inconvenient to the consumer. Additionally, Section 806 ( 5 ) prohibits repeated and continuous communication with the intent to annoy, abuse, or harass. 12 CFR Part 1006 - Fair Debt Collection Practices Act ( Regulation F ) also prohibits collection calls from being more than 7 calls to a customer within a 7 day time span. I have documented and attached my cell phone records that show a total of 17 phone calls from your company at XXXX to my phone number within a span of seven days ( XXXX XXXX of this year ) as well as XXXX phone calls from XXXX within a span of 7 days ( XXXX XXXX of this year ). This frequency of communication is not only inconvenient but also exceeds the limits set by the FDCPA, CFR and CFPB. As per my understanding of the law, creditors and debt collectors making excessive calls beyond that are considered a violation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77494
Submitted Via: Web
Date Sent: 2024-01-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: today the XX/XX/ i had charges from XXXX that i never did since i dont have an XXXX or XXXX or anything XXXX and i called to do a disoute and all that happen with that call was the lady was really rude and she locked my account and this was not the first time they let transaction threw my account without autherazations about a week ago they let XXXX transactions of XXXX go threw and the hole time after i disputed it i called and called asking about the resolution and everytime an every person i talked to all gave different answers finally after XXXX days they did give me money back and this time i couldnt even ask for money back they just got rude and did nothing but lock my account. also when open my account and got my card had money in account i tried to use it and i had just moved and they tell me i cant use my card untill i had a referance number that they mailed to me even though i had moved and they told me to bad with out that number they get to keep the money and i even got them to say those words they will take the money without the referance number cause thats how they verify who u are which is no verifacation at all if thats how they do it anyone can open an account in someones name and have them send it to there address and then there all good. Then there is the fact i tried to add my card after i finally got access to my money to XXXX XXXX and it was not aloud couldnt even add it to XXXX until they gave me the ok so i called them and all of the sudden the ask for some referance number again and since i didnt have it when i called they locked my account again i couldnt even log on the app or on the computer and again i had no access to my money so please do something about this bank they need to be shut down and im sure im not the only one that has complained cause if u look at XXXX XXXX XXXX u will see its nothing good from anyone only bad i mean the havve the grade of f on there thank u for reading this and i know nothing will be done after this last XXXX charges that were not authorized i closed my account even though that {$4.00} is a big deal for me cause i dont really have money they would have fought me over it and it would have take another XXXX days to get {$4.00} back or they would have denied it thank u again even though u wont do anything about this cause this bank is still open
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 864XX
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: Closing your account
Subissue: Can't close your account
Consumer Complaint: XX/XX/scrub>XX/XX/XXXX Notified by Credit Report that my Citicard had been compromised- placed all credit cards on credit freeze through all four credit reporting agencies. XX/XX/XXXX Placed Citi Credit Cards on Purchase Freeze ( No transactions should be processed ) I have called and asked that all my accounts be closed on the following dates : XX/XX/XXXX asked that accounts be closed as Citibank continued to post charges to my cards I had on freeze. XXXX at XXXX XXXX - Again requested accounts be closed as I had received charges from a casino in XXXX, I've never been to XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: XXXXX
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: 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/2023 I purchased and paid for two items from XXXX. One for {$5.00}, the other for {$6.00}. On XX/XX/XXXX XXXX billed my Citibank CC {$120.00} for an item that I did not order. On XX/XX/XXXX XXXX billed this same card {$110.00} for another item I did not order. After calling and writing Citibank about this scam and fraud, they gave me conditional credit for both amounts. On XX/XX/XXXX Citibank said it was permanent. Citibank then later reversed this permanent decision claiming they received proof of delivery from the merchant. I tried pointing out to them that the proof they received was only for the first two lower priced items and nothing else was ever ordered or delivered. It fell on deaf ears. I was a corporate client of Citi for over 20 years and this personal account for about an additional 13 years. I explained to them that I would pay everything I owed them on the final bill BUT those fraudulent bills that are in dispute. The only reply from them was, we will keep billing you with interest and fees. The have also contacted the credit reporting agencies and my credit has dropped from XXXX to about XXXX. The original amount they claim I owe them was {$240.00}. With fees and interest, it is now {$370.00}. I would sincerely appreciate all help and consideration that this agency can do. I feel I am XXXX against XXXX of the banking world.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06810
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A