Date Received: 2023-07-19
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: First, Thank you for all your help! I'm taking the law class now hope I could make a different too. This is related to XXXX Submitted on XX/XX/24 The time when I reported the case. Citi card co. did credit me back {$5000.00}. So I did not included Citi credit card. However since then the credit is cancel and Citi requested me to pay {$5000.00}. I used 4 credit cards to purchase the service. 3 credit cards of {$45000.00} from XXXX XXXX XXXX XXXX XXXX. And {$5000.00} from Citi card, total of {$50000.00}. I have submitted to Citi of XXXX asked to re-investigate the disputed-XXXX Credit Card # XXXX But I have not get any answer since last week. Update information : I have discovered, XXXX is not her real name that signed the contract with me. XXXX XXXX XXXX is her name. It appears that she has committed fraud by sign the contract under false pretenses. I believed the contract should be consider void due to the fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92395
Submitted Via: Web
Date Sent: 2023-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-19
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I have spent over 15 hours on the phone with Best Buy citi bank. They transferred me multiple times to different departments. My identity was stolen and card used to purchase items back in XXXX ( over XXXX worth of items from a XXXX ). I submitted paperwork showing that our entire neighborhood was targeted. They keep saying oh yes, these charges will be removed- it is clear fraud. It is never removed and continues to gain interest. There are notes in multiple of their systems explaining the issue. They just never get it fixed. I have had to call and be re-routed weeks and weeks later. I am at my wits end. This is wholly unacceptable.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91326
Submitted Via: Web
Date Sent: 2023-07-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-19
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: I am disputing a charge of {$2100.00} to my XXXX Citibank Credit Card # XXXX XXXX XXXX XXXX. The charge is in error because the customer service representative reversed a charge on my account without my permission. I am seeking to get this charge removed from my account, that finance charges related to the disputed amount be credited to my account be removed, and that I get an accurate statement. I have contacted Citibank on several occasions to get this issue resolved : On XX/XX/2023, I talked to XXXX Citibank Member Services, and the customer service representative reversed a previous credit without my permission. On XX/XX/2023, I talked to XXXX in customer service, and he requested on audit on this charge. On XX/XX/2023, I talked to XXXX and was told to wait XXXX business days, and I would see a credit on my account. That did not happen. On XX/XX/2023, I talked to XXXX and XXXX. XXXX told me to expect to see a credit on my account by XX/XX/2023. On XX/XX/2023, I received a letter from Citibank indicating they had permanently closed the dispute, and I had no further recourse. Enclosed are copies of the audit conducted by the dispute department at Citibank, veriyfing my claim that I had been charged twice for the item. The total balance should be {$2100.00}, not {$4200.00}. Citibank has yet to give me credit for the {$2100.00} due me. Interest is accruing on this item. My account is current on other items. Please do whatever is necessary to correct this issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60015
Submitted Via: Web
Date Sent: 2023-07-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-19
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: My Citibank credit card statements do not include the CFPB required minimum payment warning on it. All credit card statements are required to include this warning about how long it will take to pay the balance if you make only the minimum payment and how much interest you will pay.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43224
Submitted Via: Web
Date Sent: 2023-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-19
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: Since XXXX of XXXX, I've received monthly charges on my credit card for a subscription with XXXX XXXX ( the " merchant '' ) that I don't recall ever signing up for. I've tried contacting the merchant, but they are unable to assist me because there is no record of an account or subscription under my name ( the only information I have is " XXXX '' next to each charge on my credit card statement ). The merchant advised that the only recourse I have is to initiate a billing dispute with my credit card bank, which is Citibank. I initiated a dispute with Citibank ( XXXX XXXX ) and lost ( notice received on XX/XX/XXXX ), where they referenced a generic terms & conditions letter that XXXX provided XXXX that I have to notify them to cancel. I called XXXX again, and they again said that my only option is to work with Citibank to dispute and stop the charges. To summarize, Citibank and XXXX are charging me {$38.00} every month with neither party providing any means to cancel or dispute. Each party refers me to the other for resolution. This appears to be an unfair an illegitimate business practice that is causing direct financial harm to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 113XX
Submitted Via: Web
Date Sent: 2023-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-19
Issue: Fraud or scam
Subissue:
Consumer Complaint: I am writing to inquire about a possible resolution to the issue I am facing with the wire transfer scam investigation ( XXXX XXXX # : XXXX, scammer 's Citi account XXXX XXXX ). Recently, I fell victim to a wire transfer scam when I wired {$9400.00} from XXXX to Citibank to purchase a watch as a wedding gift from my wife to me. Unfortunately, the seller never sent the watch and disappeared. To confirm that it was a scam, I conducted an email test from a different account. Since then, I have filed an XXXX report, a police report ( XXXX from XXXX, XXXX ), and an FTC report XXXX XXXX ) regarding this incident. On XX/XX/XXXX, I made the wire transfer and realized it was a scam. I promptly filed a claim with the XXXX claims department and initiated a recall on XX/XX/XXXX. Since then, Citibank has requested a police report and a hold harmless letter. XXXX provided both the police report ( XX/XX/XXXX ) as well as the hold harmless letter to Citibank ( sent via physical mail on XX/XX/XXXX and via fax on XX/XX/XXXX ). However, Citibank is unable to process a recall as they are unable to contact the beneficiary to return the funds and advised me to contact the beneficiary directly to resolve this matter. I am unsure how I can contact the scammer to recover the funds. Even with the cooperation of authorities like the police department and FBI, the inconsistent responses and lack of support from Citibank have added to my frustration and distress. I understand that I made a mistake, as many people do at some point in their lives, and I take responsibility for it. However, I was trying to save as much money as possible, as those funds were intended for our wedding gift. This situation has left me deeply devastated. I have always believed that a reputable bank like Citibank would stand by its customers, not the scammers. I had hoped for assistance in recovering the funds from the scammer 's bank. I implore you to please offer any help in resolving this case and recovering the funds. Thank you for your attention to this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 47401
Submitted Via: Web
Date Sent: 2023-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-19
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I was charged a {$29.00} Return Check Fee on XX/XX/2023 for insufficient funds for a payment on my Costco Visa credit card. I already tried to request a refund for this fee over the phone, but it didn't work out. I was hoping for a one time exception as a loyal customer with Citi Bank for years now. Looking forward to hearing from you soon.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95131
Submitted Via: Web
Date Sent: 2023-07-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-19
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: I made several online purchases from XXXX on XX/XX/2023. I was double- charged on all of my purchases on that date. The charges in dispute with Citicard involve a charge for two mattresses which I never received and was notified by XXXX that I was refunded for both charges for {$160.00} each. I received only one posted credit from Citicard & was informed by the Dispute Center that I was responsible for {$160.00}. This dispute process has been ongoing for two months. Additionally, I have talked to two agents from XXXX who assured me that I would not be double charged. I have the documented correspondence. I have also talked to two Citicard agents who assured me that the matter would be investigated. I hav even contacted the CEO of Citicards and sent all relevant documents. I also did not receive credit for a refund for a return to an XXXX merchant. I returned a cabinet for $ {$42.00} & a watch for {$26.00} and received a refund from XXXX but the conditional credit was reversed by Citicard dispute center.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34983
Submitted Via: Web
Date Sent: 2023-07-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-19
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: Son purchased a father 's day gift under his XXXX account, which also had my credit card linked to it. When my son made the purchase, it defaulted to my credit card. I did not know he had purchased this item, so I put a complaint in with the credit card company as a fraud report. A few days later, the XXXX box arrived and I had asked my son if he had made an XXXX purchase around {$1600.00}. Then he realized that it had been charged to my credit card. I immediately contacted Citi Bank and informed them what had happened and that the charge was not fraud. I told my son that I didn't want a gift that expensive and to send it back, which he did immediately. XXXX had confirmed the shipment of the return, as well as the receipt of the item and that the refund had completed on XX/XX/2023 to my credit card account. I still can not get this charge removed from my account. XXXX has sent verification that they have credited the account, but I have been on the phone with Citi Bank with not resolution in sight. They just pass me around from person to person wasting time with no solution. To summarize : Item was purchased by my son on XX/XX/2023 Item was charged to Citi Bank XXXX on XX/XX/2023 Dispute was opened and then subsequently close on XX/XX/2023 Item was shipped back to XXXX as a return on XX/XX/2023 XXXX noted that the return had completed and account had been credited on XX/XX/2023
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01960
Submitted Via: Web
Date Sent: 2023-07-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-19
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I received a Balance Transfer Promotion for my Citi Mastercard. Everywhere it state 4.99 % Promotional APR on balance transfers until XX/XX/2024. Which is great for today 's interest rate environment. Fortunately, I read through it a bit more and noticed there is ALSO a 5 % standard balance transfer fee! So, it's not really 4.99 % promotional, but rather 4.99 % APR PLUS an additional 5 % UPFRONT Fee, bringing the loan to cost OVER 10 %! That is extremely deceptive. And when I called about it- it was just as confusing speaking with the customer service. I had to hand up and speak with someone else - because they wouldn't be so clear that it was actually a cost over 10 %. They kept saying it was 4.99 %, when I pushed them, seemed there is the ADDITIONAL 5 % charge. Unfortunately, i had done an earlier one with them- but think there wasn't the additional fee... just so confusing and deceptive. I am XXXX XXXX XXXX XXXX XXXX XXXX. If i'm confused, then clearly most people won't get this. I'm not sure why this is legal and not considered deceptive. Somewhere it should disclose, speak out the total cost. -- -- -- -- -- -- - it's also a trap- XXXX once you do the balance transfer, then any new charges are at the full purchase APR, and you have to bring the balance to zero to start paying that new charge. Unfortunately, when I did the previous balance transfer and locked my card for further charges - it didn't block recurring charges- even the ones i had changed not to charge- for example, XXXX still charged on that card, even though i changed the CC with them...
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98118
Submitted Via: Web
Date Sent: 2023-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A