Date Received: 2023-10-13
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: CITI CREDIT CARDS WITH FRAUDULNT USE. CITI IS MANAGING AND HAVE NEW ACCOUNTS BUT IT WAS A RECURRING PROBLEM
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90274
Submitted Via: Web
Date Sent: 2023-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-13
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I used to have a COSTCO Citi card. They wanted to charge me for membership. I had already paid my membership in person. Yet they wanted to charge me again. When I refused to have them charge my account they kept assessing late fees. The current balance solely due to late fees is {$290.00}. They say that they can continue charging me. This has to be illegal!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11104
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-13
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I calculated the amount of interest that I was being charged on my last month 's statement and I believe I am being overcharged by around XXXX % based on my calculations. I believe the payment I made was not accounted for when calculating the daily interest and this resulted in the XXXX % higher interest charge. If the credit card company is doing this to thousands of people that would be a problem and I think it should be looked into.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 088XX
Submitted Via: Web
Date Sent: 2023-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-13
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 made a hotel reservation in XXXX XXXX, CA through XXXX on XXXX using my Citi Costco credit card on XX/XX/2023 ( see the confirmation email PDF ). When I arrived at the hotel around XXXX on XX/XX/2023, the front desk told me they had not received the order from XXXX because XXXX was not an authorized partner of the hotel, and therefore could not offer me the reserved room. She also told me that several customers who had reserved through XXXX had the same problems in the last few days. Without any hope of resolving the issue on site, I had no other choice but to give up the reservation. I filed a dispute with Citi for a charge back of the reservation ( case number XXXX ). On XX/XX/2023, Citi notified me that the dispute has been denied but XXXX claimed that ( 1 ) I did not contact them on XX/XX/2023 to resolve the issue first per their Agreement and ( 2 ) I signed for receiving the reservation. The temporary credit applied by Citi will be reversed shortly. The claim by XXXX is completely false because I called the customer service number of XXXX immediately around XXXX on XX/XX/2023 to resolve this issue. ( see screenshot of my call history on XX/XX/2023 ). But no one answered the phone. Furthermore, XXXX failed to show the signed receipt from the hotel on XX/XX/2023. The signature it showed was for the online reservation on XX/XX/2023. This complaint against XXXX is filed concurrently with Federal Trade Commission for business fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94538
Submitted Via: Web
Date Sent: 2023-10-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-14
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 XX/XX/2023, I made the exciting decision to treat my son XXXX to an unforgettable experience : attending a football camp alongside his favorite XXXX player, XXXX XXXX of the New York XXXX. It was the perfect birthday surprise for his upcoming XXXX birthday - a gift that would create memories to last a lifetime. The football camp was scheduled for XX/XX/2023, from XXXX to XXXX. Initially, I secured a regular admission ticket for {$150.00}. After receiving multiple advertising emails for camp upgrade packages, I decided to surprise XXXX & give him a birthday gift to have a one-on-one experience with his idol, XXXX XXXX, so I purchased the upgrade MVP package for an additional {$400.00}. Unfortunately, as the camp progressed, a sudden turn of weather took us by surprise. Dark clouds rolled in, and with them, the fear of thunder struck my son 's XXXX. His extreme fear of thunder overwhelmed him to the point that he hesitated to participate in the highly anticipated MVP portion of the day. Despite my best efforts to reassure and encourage him, XXXX ultimately decided to go home, missing out on the opportunity to play with his favorite player. Before leaving the camp, I sought assistance from XXXX, a dedicated employee of XXXX Sports. I explained the situation to him, hoping for a resolution. XXXX promptly took action, reaching out to XXXX XXXX, the CEO of XXXX XXXX my relief, XXXX came back to me with reassuring news. XXXX XXXX personally assured XXXX that I would receive a refund for the MVP portion of the experience that my son was unable to participate in. To ensure transparency and effective communication, I promptly sent an email to XXXX XXXX the next morning, confirming his commitment to the refund. I was delighted by his quick and courteous response, as he not only reiterated the promise of a refund but also instructed the XXXX XXXX XXXX, XXXX XXXX, to expedite the refund process. With great optimism, I eagerly awaited the refund from XXXX XXXX, fully acknowledging their professionalism and commitment to customer satisfaction. To express my gratitude and appreciation, I promptly left XXXX review on XXXX to XXXX their professionalism. However, despite the initial promises of XXXX XXXX, CEO of XXXX XXXX, I have yet to receive the refund that was assured to me. It's been more than frustrating and time consuming as I reached out to Citicard and filed a dispute and for XXXX months I have been going back-and-forth with XXXX 's, less than efficient employees and mind boggling process, with no resolution in sight. How is it possible that a credit card, Citicard, rule in the favor of the merchant after the consumer provided email correspondence between them that states XXXX XXXX would in fact refund me, I do not understand how I have actual evidence yet they based their decision off of merchant 's hearsay. I attempted to contact XXXX XXXX XXXX more times and never received any responses from any of them and when they responded to Citicard, most of what they said was inaccurate & i can prove it with actaual tangible evidence
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07960
Submitted Via: Web
Date Sent: 2023-10-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I am not sure why my complaint XXXX was closed, but this complaint is valid! My direct deposit checking account ends in XXXX and I have 3 credit cards with CITI XXXX, XXXX and XXXX. For the past 3 months, I have been calling CITI REWARDS to have an account that has never been activated or used on my profile REMOVED ending in XXXX. Everytime I do a direct deposit of my rewards points, this account XXXX shows up as a choice to send funds to which is not valid. I spoke to a " XXXX '' named XXXX on XX/XX/2023 XXXX who stated they would submit an IT ticket to have it removed as they are not able to. When my billing cycle ended, it was still there. On XX/XX/2023 XXXX I spoke to someone named " XXXX XXXX who stated they found this " XXXX XXXX and that he would call me back with the status of the ticket that same Friday. No one called me back. On XX/XX/2023 at XXXX. I spoke to this rude unprofessional supervisor named " XXXX '' who was patronizing and mocking stating she could submit a complaint for me, but probably no one would call me back and that she saw no XXXX case. I said so submit a new one. She said they have no IT department. That I would have to remove this myself on the website. I stated this account is not even on my main profile page so they had to remove it on their end. I am tired of getting the runaround. My REWARDS account is XXXX. My name is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Texas XXXX. Billing : XXXX XXXX XXXX, XXXX, Wi XXXX. XXXXXXXX XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78218
Submitted Via: Web
Date Sent: 2023-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-13
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Account is still inaccurate and unlawfully reported, Citibank and or XXXX where the charge came from still hasn't given me paperwork with my signature, where I authorized a amount for {$2000.00} + dollars, my credit line was only XXXX that i set up, and i sent you Pictures of my passport showing i was out of country. I can't be at two places at the same time I disputed the transaction fraudulent while out country and Citi bank wrote the dispute wrong and the communication was horrible with them until i got back In the country.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90047
Submitted Via: Web
Date Sent: 2023-10-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-13
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: We made our credit card payment to Citibank on XXXX in the amount of {$6400.00}. The available credit in our checking account on XXXX was {$7600.00}. Please see the attached copy of my checking account statement. We also chave a " confirmation of payment '' from Citibank on XXXX that States " we received the {$6400.00} payment and credited the Costco Anywhere XXXX XXXX XXXX ''. It also goes on to state we have a remaining balance of {$0.00}. The confirmation number for this transaction is XXXX. A copy of this confirmation from Citibank is attached. I have also attached a copy of my credit card statement showing, on page XXXX, that a payment in the amount of {$6400.00} was credited to our account on XXXX. On XXXX we received a text alerting us of a NSF transaction. We immediately called Citibank to see what this was about since we have never received an alert of this kind before. The XXXX at Citibank, XXXX, explained that apparently the payment we made on the XXXX did not go through because there were not enough funds. My husband then recalls making the payment on XXXX and then the next day transferring, funds he believed to be his paycheck back to our savings account. My husband knew Citibank had taken their money on XXXX so what he saw had to be his paycheck which he was expecting and was coincadentally around the same dollar amount. Apparently, after speaking to XXXX, we realized they did not in fact take out the funds on XXXX as the confirmation stated. They actually attempted to take the funds on the XXXX. XXXX said this was a matter of hours and there should not be a fee but if there is that it would or could be reversed. We thought that was the end until we looked at our account on XXXX and noticed they had posted a NSF fee in the amount of {$41.00} to our account. Once we saw this we called into the bank to let them know of our previous conversation with XXXX and how he had stated this fee would be removed. This is when what we thought would be a XXXX min. XXXX turned into the worst experience we have ever had with any company. The first XXXX wet spoke with put us on a brief hold after we explained what had happened and what XXXX had told us on XXXX. She returned to the line to tell us she could not reverse the fee because it was not bank error. She did not care what XXXX had told us and stood her ground. So, I asked to speak to her supervisor. Again, I naively thought it would end here for sure but I could not have been more wrong. I spoke to XXXX and she stated the same thing as the previous rep. They refused to reverse the {$41.00} fee because it was a valid charge in their eyes. At this point I started to get really mad. This conversation has already taken longer than it needed to. I asked to speak to her supervisor. She said she was as far as I could go. I told her I know darn well you are not anywhere near the top of the food chain. I know, 100 %, that you have a supervisor I can talk to. She then, miraculously, produced her supervisor. This is when it gets even more ridiculous. XXXX an officer of the bank as he called himself got on the phone. At this level, I was sure this was going to come to a speedy end. Nope, I was wrong again. XXXX immediately put me on hold to see what he could do. He came back and said there was no way he could reverse the fee. I am livid at this point. He has the audacity to tell me that if I wanted to escalate this further I would have to write a letter. So, he wanted me to waste more of my time writing a letter about a {$41.00} fee I was wrongly charged AND was already told would be reversed. I began to explain to XXXX the entire situation and how there was money in the account when it was paid and accepted by your bank. He told me that they tried to take the money on the XXXX but there was no money but when they tried a second time it went thorough. He said they will attempt it XXXX times. On a side note, I asked him why would you charge an NSF fee if the money goes through on any of those XXXX attempts? This is not right, I told him. He said it is because the bank charges Citibank each time they try to ping the account. He then told me if I could get my bank to write a letter stating it was their error and the money was indeed there on XXXX then they could reverse the fee. I told him that there is no way I am going to waste even more time going into my bank. The fact that I was still on this call was mind blowing. I flat out told him, numerous times, that I should have been off this call in XXXX minutes. I have been a customer for 17 years. I have always paid my bills on time and never once have had an NSF ( on any bill for that matter ). I also have always paid our bills off in full every month. I told him this fee should have been waived immediately without hesitation, as a courtesy, given my stellar history with your bank. That fell on deaf ears because he just continued to ramble on about how it was a valid fee. He could care less about my business. It does not affect his bottom line as a customer service rep. Earlier in our conversation he had stated if I could get my bank to state that there were enough funds in the account on XXXX then he could reverse the fee. So, I said why dont you call my bank right now and ask them. He agreed and called XXXX XXXX. The first XXXX was XXXX. XXXX confirmed there was in fact {$7600.00} in the account on XXXX. However, XXXX began to change his tune and state that yes it XXXX have been pending but it did not clear until the XXXX. I told him if it was pending then that is proof there were funds when it was pinged. If there were no funds when it first pinged on the XXXX then it would have bounced then. I was beyond mad by this point. I told him that I had just met his requirements, that there were funds in the account when they pinged sit the first time and my bank just confirmed this. He just kept repeating how it did not clear on the XXXX though. He said some banks it clears right then and some it takes a few days. He then tried to tell me again to go into the bank and have them write a letter. I asked him what are these magic words you want to hear from them that will allow you to reverse this fee? He asked my bank rep if they had any branches in my area. There are no Citibank or XXXX XXXX branches anywhere near me. I then asked to talk to XXXX supervisor to see if we can get whatever it is XXXX wants to hear. The supervisor at XXXX XXXX was XXXX. I began to ask for times these transactions were occurring. She said Citibank did not attempt to pull funds until XXXX at XXXX XXXX. She said they did not attempt anything on the XXXX. I found this very interesting because this entire time XXXX has said that they first attempted on the XXXX. Also, all my documentation states it was credited to my account on XXXX. XXXX then told us that we transferred out $ back to savings, thinking this was his paycheck and knowing he had already paid Citicard the day before, at XXXX XXXX on XXXX. So, I told him then this actually is a bank error and he needed to reverse the fee. All my documentation shows it crediting on the XXXX but they didnt even attempt it until XXXXXXXX XXXX on XXXX. He still refused and continued to state he was the highest level I could speak to and if I had a further complaint then I needed to send it in writing. I also pointed out the fact that my bank did not charge me an NSF fee. XXXX said that is a good point and asked XXXX why that was. She stated I supposedly have an account that does not get charged fees. At this time it was clear to me that he was not going to reverse this fee regardless what proof I presented. I told him I hope he gets reprimanded or fired for this. I spend XXXX hours and XXXX minutes on this call. That is XXXX hours longer than the call should have taken. So much for being a valued customer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85383
Submitted Via: Web
Date Sent: 2023-10-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
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 XXXX XXXX my card was lost or stolen and used. I reported this and my issue is that my credit was immediately ran by the credit card company and my limit was reduced. This was not resolved as I left the country. I spoke to them again this month XX/XX/2023 and they immediately ran my credit again and reduced my limit. This is beyond an abusive and unfair banking practice. The left of my card and use should not be used against me to run my credit report both times that I contacted the company about thr same charges from XXXX and a limit reduction take place. I'm still awaiting the resolution and credit for these charges as well.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: This company closed the my checking account because an accident when my yard man cashed a check on that day in XXXX no blocked account or closed account but he cashed the check I thought it would be fine because I was told that I was going to get my Long Term XXXX but that day it never came. So the account end up saying it was over which is weird since they didnt pay it. So here is XXXX XXXX mobile upload a check that I needed cashed they dont have a branch in Texas so I mobile deposited it I got off work early was going to go pay my first months rent for my new house I never saw the amount update. So I called them to ask them and they transferred me to some department to verify the check it went all from there the women ask me question verify the verified phone number so I gave her every number I called all of them was not verified then she transferred me to somewhere else they verified me then he said have the lady from the company call-in answer some questions and verify so she did XXXX times then they said the check was counterfeit and she wasnt calling in from a verified phone number. So I waited for a lil bit then call back found another number and asked was that verified they advised yes called told them to call she called rep transferred her to accounting office was close I called back the next day had someone call the same lady that called 3 times she answered Same questions check was verified. Still didnt unblock my account then they said it was referred for closure the same day I was crying wanting my XXXX dollars and etc. So when they say I went against policy no I did not. Lets fast forward who takes XXXX to 60 days to close an account when it takes XXXX min to open XXXX. But I am a single mom I need every XXXX I need that money for upcoming rent and to get a car and pay some bills, get meds its like XXXX total I can not wait for them to give me my money thats rightfully mine that they are torturing me with when they are the ones you are closing my account. I am not waiting till the end of XXXX better not even the end XXXX to get my money. They need to close this account by the 30 day mark which is XX/XX/2023 which is also a couple days after the 30 days.Because has got to be illegal. And even if it takes you longer to close this account then just give me my money I have to have it by XX/XX/XXXX my son is already afraid of being Homeless again and without a car and at this point its on you so, I would really appreciate if you all could expedite the review of my account and close this expeditiously so I can get my money that I need quickly. Thanks
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76052
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A