Date Received: 2024-01-08
Issue: Fraud or scam
Subissue:
Consumer Complaint: I saw an ad for an apartment for rent and when I applied, I was approved within the next day. I was given a routing number and account number to send the deposit ( {$1300.00} ) but was refused to see the property. The scammer used an old lease agreement and his name was not in any of the documents. The name of the bank account I wired money to also did not match any of the names on the paperwork. This ad was posted on switchboard platform for my local college.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90026
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Wrong amount charged or received
Subissue:
Consumer Complaint: The cashier did a mistake sending wire transfer in foreign currency and when this was returned I'm loosing almost XXXX dollars in conversion from pesos to dollars. Plus I need the credit for the payment of the wire fee. It will take 90 days to get my money back because of their mistake
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10583
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
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 have a government travel card. I was on travel from XX/XX/2023 to XX/XX/2023 in XXXX, Arizona. While there I attempted to use the ATM for a cash advance but the machine was not working, and did not dispense funds. On XX/XX/2023 I was at work in Maryland when I received a notice of a declined transaction, over the spend limit. I didn't recognize the amount, and called Citibank to report. They closed the card, and issued me a new one. I contacted Citibank many times, to resolve and offered to provide proof I was not in Arizona during the charge times. They asked me to contact the ATM vendor, which I did. The ATM vendor confirmed the machine was out of service during my stay, however noted that their records were in balance the first time I spoke to them, and the second was that it's too far back to verify. Citibank investigated and because a chip card and pin was used, they are saying I'm responsible and they have sent me a letter notifying me of the such. I did not withdrawal {$480.00}, and am not responsible for this issue. I did speak with a person named XXXX who said my complaint was not filed correctly, and apologized for the mis-handling of this issue... but the result was the same as prior. I have not been able to contact him directly since.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20904
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On or around XXXX of 2023 I received a call from my credit card company Citi Bank, who I currently have multiple credit cards all set up on auto-pay. When I called back the customer support team to ask them why they had called me, after researching my account I was informed by the customer service representative that my address was not updated. I updated the file and the customer service representative informed that everything was good to go. On or around XXXX of 2023 I got another call from Citi Bank and after calling them back I was told that I was late on my monthly payment, this was surprising to me since I had all my credit cards set up on auto pay and my last communication from customer service informed me that everything on my account was squared away. After being informed that my payment was late I remedied the situation immediately, and made sure my auto pay was setup. I then learned that Citi Bank had reported a 30 day late payment on my credit which was caused tremendous financial hardship. Had Citi Bank 's customer service not mislead me I would have remedied the auto pay when I called customer service in XXXX, but since the customer service representative had failed to provide me accurate information I am now being penalized. I am asking that Citi Bank remove the 30 day late payment from my credit report since I did call them in time, and would have made the payment had the customer service representative informed that my account auto-pay had not been properly setup, like it had been on all of my other Citi Cards XXXX Citi bank can look at my history and see that every other Citi XXXX I had at the time was paid in full and on time as well.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85282
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-09
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: XXXX XXXX Macys credit card is scamming customers with promotional event balances. I paid my promotional balance in full plus whatever else I charged that month to avoid the deferred interest payment. The following month they told me on my next statement that {$10.00} did not go towards the special event. I fought over the phone, one representative hung up on me when she couldnt explain how if I paid in full really doesnt pay it in full. The next representative tried to say that it goes towards the minimum payment ( {$30.00} ) first which was that {$10.00} more, ( the only charge I made that month was {$20.00} ) not making any sense bc the minimum payment is a recommended amount if you cant pay it in full, its not an actual charge on the card. I think XXXX XXXX Macys is scamming hundreds of people out of that deferred interest payment promotion by playing around with the numbers if the bill is paid in full which mine was there should be nothing leftover on the promotional balance. Please look into this, I have my bill to prove it. The bill that was paid in full with all the explanations of promotional and new balances and the following bill that said I still had {$10.00} outstanding on my promotional balance.
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: 2024-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-09
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: On XXXX XX/XX/2024, I called the Citi Custom Card Customer Service, toll free at XXXX with my identifying data, phone numbers, credit card number, and name as it appears on my card. They said that they would text me a PIN code but I never received it. They said that they would call me back on the number I was calling from, but never called back. I am unable to update contact information or report the card as lost or stolen. They report that I need a reference number emailed or postal mailed to me to verify my identity and un-restrict the credit card. They claim that this is about fraud abuse. I have never received notification mail to this effect.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95826
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
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/XXXX I purchased a XXXXXXXX XXXX XXXX XXXX from wayfair.com using a promotional balance offer through my Wayfair credit card powered by Citibank for the amount of {$750.00} with a protection insurance plan for {$100.00} which brought my total to {$850.00}, this showed on my promotional for 0 % interest for 12 mos. Chair was delivered in 2 separate boxes on XX/XX/XXXX and XX/XX/XXXX at which point we assembled the product for use. Upon assembly on XX/XX/XXXX, we found that not only had the box been damaged but the product as well. So I reached out to Wayfair.com who then gave me a partial refund of {$370.00} to keep the cosmetically damaged chair after finding out that I could not get the chair repaired through the insurance plan. After using the chair for a few days, on XX/XX/XXXX we found that the chair we not performing as shown via the wayfair.com site when purchased. I again reached out to them that day and informed them of the malfunction of the chair. The Wayfair. com customer service arranged for a free pick-up of the defective items and upon return a credit to my account for the remaining XXXX. I returned the product on the scheduled date of XX/XX/XXXX. Wayfair credit card soon after credited my promotional balance account for the remaining balance to bring it back to {$0.00}. I then purchased a XXXXXXXX XXXX XXXX XXXX in early XXXX on a promotional balance and paid it off XXXX months later. After about a month or so, I got a repeat charge for the amount of XXXX for the message chair again without the protection plan. I contacted them at which point they said they had seen the mistake and would fix it. It soon went away and then was placed back into the account at which point I was advised, that I would need to do a dispute for the current promotional balance for the message chair that was returned 3 months prior. In XX/XX/XXXX, I did a second dispute for the charge and called wayfair.com to verify receipt of the chair return and Wayfair credit card ( Citibank ) for an explanation of why I am repeatedly being charged for an item I do not have. By XX/XX/XXXX I had spoken to supervisors on both sides of the Wayfair team to find out why they denied my last dispute saying that Wayfair.com never received the returned product. After contacting Wayfair.com so many times a member of their management 3-way called Wayfair credit card ( Citibank ) to express they had receipt of the chair and they are not the reason for them to keep adding back the charges for the chair. With the supervisor from Wayfair.com, Citibank Wayfair credit card, and myself on the phone Citibank said that they had seen the mistake and would fix it then, with a promise that I would not have to call back and continue to deal with this. At this point, I have been out of the credit of {$750.00} that I have desperately needed over this time as I am a XXXX XXXX XXXX of XXXX and moved halfway across the world and more importantly the credit impact of carrying this balance monthly. I truly thought I had some resolution with the last encounter with the creditor. After about a month or so later XX/XX/XXXX and not seeing the charge drop off I contact them again. I have completed my degree and am ready for the next phase of my life and start to financially put my life back together. When I contact them ( Citibank not wayfair.com ), I start from the beginning of my situation as I have 40 times before, and they tell me they know nothing of this and I need to write another dispute. I am at my end at this point and ask to speak to management who can look into this properly and give me an actual standing answer. I spoke to 3 different supervisors over the next few weeks who all apologized for my troubles and assured me they would get it taken care of as soon as 7-10 business days It turned into 3-5 days, and the last was 24-48 hours on a Thursday that would essentially be handled monday morning. So, now it is XX/XX/XXXX, and I get a notice that XX/XX/XXXX is coming around and I still have a promotional balance of {$750.00}. I have paid all my debt to this creditor besides exactly the {$750.00}, which I told them, I refuse to pay for something I do not have and I have suffered for your company 's miscommunication or mistake and it is not fair to me as the consumer who had nothing to do with this process but had to suffer through this. I have expressed this to them the last 3 times I called to speak to them and asked them to freeze my card, I do not use the card for any purposes any longer because once they rectify my account I no longer want to do business with them if this is how they treat their customers. Sorry, I began to rant a little toward the end but all factual.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AK
Zip: 995XX
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Order number XXXX. On XX/XX/XXXX I opened a Macys credit card to use the promotional offer of 25 % your first purchase which I had to do online because I had not received my physical card. I received my package with item missing. I emailed them about and they never replied or answer calls. About a month later they called back asking why I didnt send my first credit card payment. I told them I had no way to because they never sent me the physical credit card so I can access the credit card portal. On top of that I have not received credit back for item missing. I also informed them they need to send me a new card because it may have got lost in the mail. I also told them they should remove any late fees as it was an issue with their end. They agreed to all the above and about a month later last week I realized my bill has changed and the new card has not been sent. I called them today to ask why and they said they never submitted a claim for a new card and that my refund claim is denied. So now my credit card is saying I owed over {$200.00} when it should be less than {$100.00}. I will never buy anything from Macys again. I want to sue them as well for wasting so much of time and for emotional distress.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22315
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XXXX the XXXX XXXX someone took money out of my savings account. Using my card/pin, some where along my card have had gotten cloned or hacked or something. Late night I checked my account notice my balance was low I called Citibank to start a dispute 10 days later they denied it. I disputed their decision 2-3 times and they still refuse to give me money back. Even though the funds are protected fdic and fraud. Today XX/XX/XXXX I spoke with another person XXXX from Citi and this guy was rude telling me Citi would never give me my money. Im disappointed with this bank Ive been banking with them for years and this is the treatment I get. They made me feel like a peasant.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90602
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
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 a recent trip to XXXX with my family, on checking my credit card transactions, I saw a {$610.00} ( XX/XX/XXXX ) charge on my account. I wanted to reach out to the bank and report it, but since it was still processing I could not dispute it. I put an alert to notify me when the transaction posts after which I ended up filing a claim on XX/XX/XXXX. After a few days, the bank requested that I provide details about the transaction and I explained the other charges on my card. A few days later when I logged back into my account, the dispute said it was resolved and that the Customer was responsible for the charge. I tried calling the dispute center to understand what was going on. The executive I spoke to said she will reopen the claim. Not hearing anything from them and no status change made me call them again to find out about the card. On XX/XX/XXXX when I called the fraud center of Citibank, they said the card has a chip and there is no way to clone it. Since the transaction was done using a chip they said either me or someone whom I gave the card to may have done the transaction. The only time I remember the card being with someone else was with a gas station clerk and the other being my card/wallet left in the car accidentally and the car parked by valet. I asked the Citibank staff to provide me any details about the transaction and they said the name of the merchant that I saw on my card is all that they have. I am unsure what their investigation led to that makes me responsible for this charge. There were other valid charges done around the time and I only had concerns with this one charge. I feel that the bank is not providing me with sufficient info. I said I am happy to cooperate with the investigation and would be willing to provide any details they needed. I can also testify this on oath and am happy to face the consequences if I am at fault.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 20148
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A