Date Received: 2023-09-12
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: Today I called Citibank customer service regarding Best Buy credit card statement with a balance of {$13000.00}. and a fee of {$670.00} and required minimum payment of {$810.00}. I paid {$13000.00}. for heating/cooling system with a check that was mailed to me with 0 % transfer fee on the side of the check. Before I paid for this unit, I called the bank and asked for a credit increase, I was given the right to increase the balance. The person on the phone did not explain what kind of fees would be associated, as it was 0 %. I was surprised to see a fee associated with the check that I paid with and called the customer service line XXXX. I spoke with multiple people. The following are the representatives who provided me their names XXXX XXXX. I explained to her that I requested a fee waiver as no one explained to me that there would be a fee associated with this check, or if there was a fee what it would be if I paid {$13000.00}. The person said she was unable to assist me, she would provide feedback to someone. Also, she told me I did not have to pay {$810.00}. a month, that I could pay {$140.00}. a month. I asked her for something in writing about that as this was not in the statement. She explained that as I went over {$13000.00} I had to pay {$810.00}, but as I talked to her about it I did not have to pay that amount, I could just pay {$140.00}. a month. I explained to her that no one informed me that if I go over {$13000.00}. I had to pay more than minimum amount monthly. I asked to speak with a manager, she transferred me to XXXX ID XXXX. She was already aware of the issue with the fee, my request for fee waiver and the monthly payment issue. I explained that I was not informed of the fees and that I expected to have the fee reversed. I explained that this if fraud and that I needed to speak with a manager. She transferred me to a person who said he is XXXX, he is probably the same person I spoke to the same evening who disconnected the call. XXXX said his Team ID is XXXX. I asked him again why the fee was not being waived. He said " That is a great question. '' I asked him to explain why he was unable to resolve the issue and why he was being condescending. He said that I was being unprofessional then he disconnected the call. I have a picture of the check, on the front there is absolutely nothing written about a percentage that has to be paid. The portion that was torn off the check has a XXXX percent on the front of the check. The company should not mislead customers to believe that there is no balance transfer fee or 0 % when on my bill there is a fee.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08724
Submitted Via: Web
Date Sent: 2023-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-12
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CBNA XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX THD/CBNA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX THD/CBNA XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CITI CARDS CBNA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX CBNA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX CBNA/THD XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX CITIBANK NA., BEST BUY XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX I sent disputes letters to both the creditor and the credit bureaus letting them know that these inquiries were not authorized by me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30316
Submitted Via: Web
Date Sent: 2023-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-11
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 had previously submitted transactions for dispute for over XXXX transactions, in XXXX XXXX. My credit card ( ending in XXXX ) information was stolen in XXXX and upon noticing, I closed the card and filed disputes in XXXX. Most of them were finally credited. However, there are many that are still under investigation and it has been almost XXXX days since the transaction and more than XXXX billing cycles! They had assured me it wouldn't take more than XXXX billing cycles. These transactions are by a merchant called XXXX. They were in sterling currency and done in a different country outside of XXXX. I live in california and have not traveled to XXXX or any XXXX country. The issue is that I submitted for a dispute in XXXX. Since then, there has been no movement on the investigation for the XXXX purchases. I explained multiple times that I did not leave the country and can provide proof. Moreover, you can easily see its fraudulant because there were other charges ON THE SAME Day in california ( where I live ). This should have been an immediate alert. I called them multiple times asking for updates. Most recently, I called them on XX/XX/XXXX and they still haven't completed the investigation. I submitted dispute XX/XX/XXXX and XXXX and am STILL Waiting for a resolution. These charges were made WITHOUT MY AUTHORIZATION and by a hacker. I do not live or have travelled outside of country. The transactions that are still under investigation include : - XXXX in XXXX for amounts of {$530.00} ( XX/XX/XXXX ), {$310.00} ( XX/XX/XXXX ), {$580.00} ( XXXX ), {$310.00} ( XXXX ) Citi has been nonresponsive and refuse to tell me why these are still under investigation. I have provided them ample information and answered all their inquiries, but the transactions are still under investigation. They asked me more questions about these transactions and I answered them with the security team. I was informed that they are still trying to reach vendor but its been months! This is very XXXX inducing given the amounts of the transactions. They were in a foreign currency and that should have been flagged, ESPECIALLY since I was making transactions in California on the same day that a hacker was using my card in XXXX and other countries. Clearly, fraudulent and still no resolution. I have called multiple times and spoke to security center managers and supervisors, with no information to help ease my mind and finish the investigation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94520
Submitted Via: Web
Date Sent: 2023-09-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-11
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I immediately called the number ( XXXX ) shown next to the unauthorized charges and vented my objections. After our discussion, the representative agreed to cancel the charges and provided cancellation # XXXX. I sent the information to the Citi after calling them and requesting that my card be canceled. Citi representative during the call instructed me to pay the minimum amount required ( ( {$41.00} ) to prevent being charged a late fee. Attached is my correspondence with Citi and their responses.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NE
Zip: 68164
Submitted Via: Web
Date Sent: 2023-09-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-12
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: These inquiries have been added to my credit report without my authorization! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I disputed them and they remain on my credit report!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30316
Submitted Via: Web
Date Sent: 2023-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-12
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: These inquiries have been added to my credit report without my authorization! XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I disputed them and they remain on my credit report!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30316
Submitted Via: Web
Date Sent: 2023-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-12
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: These inquiries have been added to my credit report without my authorization! CITI CARDS CBNA XX/XX/XXXX XXXX XXXX XXXX XXXX I disputed them with the creditors and credit bureau but they remain on my credit report!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30316
Submitted Via: Web
Date Sent: 2023-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-12
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: These inquiries have been added to my credit report without my authorization! XXXX XXXX XXXX XXXX XXXX XX/XX/2023 I disputed them and they remain on my credit report!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30316
Submitted Via: Web
Date Sent: 2023-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-12
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: These inquiries have been added to my credit report without my authorization! CBNA/THD XX/XX/XXXX XXXX XX/XX/XXXX CITIBANK XXXX XXXX BEST BUY XX/XX/XXXX I disputed them and they remain on my credit report!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30316
Submitted Via: Web
Date Sent: 2023-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-12
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: These inquiries have been added to my credit report without my authorization! CBNA/THD XX/XX/XXXX XXXX XX/XX/XXXX CITIBANK XXXX XXXX BEST BUY XX/XX/XXXX I disputed them and they remain on my credit report!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30316
Submitted Via: Web
Date Sent: 2023-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A