Date Received: 2023-03-20
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: XX/XX/2022 - XXXX, I CALLED THE BANK MULTIPLE TIMES TO LET THEM KNOW THAT I WAS UN-AWARE OF THE FRAUD ACTIVITY ON MY ACCOUNT AND ALL THE DID WAS TRANSFER AROUND AND AROUND INSTEAD OF HELPING ME RESOLVE THIS ISSUE.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33032
Submitted Via: Web
Date Sent: 2023-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-20
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I purchased a CD from Citibank with a stated maturity in April. I was sent a correspondence ( happened to find it on my online account, but no other indication anywhere that it was sent ) that said that it would automatically roll into a new CD of the same term unless I called them to have it actually mature when they said it would mature. The online agent indicated that this would now be the case. Perhaps this complaint is resolved ( in that I should get repaid at maturity ). However, it is beyond belief that this is structured like a free magazine or internet service subscription, where they automatically force an extension unless I go through a 20-minute phone call to terminate the merry-go-round! If I had intended to invest for more than three months, I could have done so. If I had wanted to invest for three months but roll into successive three-month investments, they should have offered an opt-in, rather than putting the onus on the consumer to have to opt out. If I had intended to give Citibank permanent capital, I could have simply bought their stock. That they structure a financial product like this is unconscionable. Had I not noticed the message and made the call, I might not have had funds available to pay my taxes next month. This is really cheesy behavior.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 106XX
Submitted Via: Web
Date Sent: 2023-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-20
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I currently have a late payment reporting from XXXX on XXXX 19,2022 i called Home Depot about this issue which we was wavies on On XXXX 19,2022 however the late payment continues to appear on my credit report i tries to resolve this matter with Homedepot directly but the issue still appears.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-19
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Fraud charges made on my debit card linked to my checking account. I reported it right away to my bank. My bank stated there was insufficient evidence to prove the transactions were fraud. They were international transactions that I did not make. Charges were : XX/XX/23 {$1000.00} merchant : XXXX XX/XX/23 XXXX merchant : XXXX XX/XX/23 {$530.00} merhcant : XXXX I was unable to reach these merchant because the transaction statements had no number or website connected to them. I called my bank numerous times for the credit refunded. They stated to wait 10 days. Nothing happened. I called again and was told over the phone my dispute had insufficient evidence. I wrote an appeal letter and also emailed an appeal.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10312
Submitted Via: Web
Date Sent: 2023-03-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-19
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XXXX-23 submitted for my 2023 Costco Cash Rewards to be redeemed via the offered electronic transfer option to my bank account. The transfer of {$300.00} was to take place within 3-5 business days but as of today, XXXX-23, has not transpired. Multiple phone calls and conversations with Customer Service Reps and Supervisors have ended with no resolution. In one conversation on XXXX-2023 there was to be an inquiry/investigation with a phone call within 7-10 business days which also did not occur. My last conversation with a Customer Service Supervisor basically ended with him saying he has no information or updates.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34275
Submitted Via: Web
Date Sent: 2023-03-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-19
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Refer to my previous complaint to you filed on XX/XX/2021 involving closing account to withdraw funds. When I filed the 2021 complaint against Citibank, I had accrued over {$100.00} interest for having {$10000.00} deposit with them for over 2 years. At the time it was unequivocally understood I was closing the account. After my complaint I was finally able to withdraw my {$10000.00} initial deposit and was informed the interest gained would be mailed by check. However, once again, Citibank has failed to do so and withheld all interest made from my {$10000.00} deposit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-19
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 writing to file a complaint against Citibank for their failure to assist me in disputing a purchase, despite providing sufficient evidence that the item was returned and the package was tampered with. On XX/XX/23, I purchased a camera from Best Buy. The camera was delivered to the wrong address, and Best Buy refused to take any action to rectify the situation. I was forced to involve local law enforcement to recover the camera. Once I obtained the camera, I immediately took it to a XXXX store to return it to Best Buy. On XX/XX/23, the package went missing the same day I dropped it off at the XXXX XXXX. I filed a missing package claim, and XXXX finally located the package three weeks later. However, the package was returned to Best Buy empty, without the camera. The weight of the package had changed from 4 pounds to less than 1 pound while in XXXX XXXX possession, indicating tampering. Despite providing proof that I returned the item to Best Buy, the retailer continues to refuse to accept the return or issue a refund. Consequently, I disputed the charge with Citibank, but they are also refusing to assist me in this matter. As a result, I am being charged for a camera I no longer possess, while Best Buy retains both the refused package and the funds from XXXX XXXX insurance claim. This situation has caused me significant financial loss and distress. I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Citibank for their failure to assist me in resolving this dispute, as required by the Fair Credit Billing Act. Please find enclosed supporting documentation, including a copy of the purchase receipt, proof of the camera 's return, XXXX XXXX package tracking information, and correspondence with Best Buy and Citibank. I appreciate your attention to this matter and look forward to a prompt resolution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33174
Submitted Via: Web
Date Sent: 2023-03-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-19
Issue: Fraud or scam
Subissue:
Consumer Complaint: Someone using my parson information to purchase stuff from XXXX XXXX, it wasn't me even I had to closed my account last year in XXXX and I had reported that many times but still not fixed, still received bills.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 065XX
Submitted Via: Web
Date Sent: 2023-03-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-19
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/XXXX there was a fraudulent charge on my best buy credit card. I had not used this credit card since the previous year in XXXX of XXXX, and the card had been completely paid off. The fraudster had somehow gotten access of my card and account information and used it to purchase a XXXX blender for the total of {$280.00}. They also attempted to purchase other items, but those did not go through. When I received the email confirmation about my order, I immediately went to my online account to cancel it. By this point I was unable to cancel the order and the button was grayed out for me to do so. I called the Best Buy customer service number and informed them of this fraudulent purchase. The service representative assured me that this would be looked into and that my account would be closed, they also asked me if I wanted the current account closed and a new one opened, as well as a new credit card issued to me. I said NO, as I had the previous card paid off already and did not have further plans in using their services. About a month later in XXXX on the XXXX I called again to check the status of the fraudulent case as I had received an email of by card statement and it's due date. The representative that I spoked to informed me that the first account was closed, but the second account was open. Although I had said no to a second account being opened in my name, the first representative I spoke to in XXXX did so regardless. I asked the representative I was speaking to to close the second account as well, and they informed me that the investigation was underway and to not pay the balance on the account. I followed those instructions, and continued to not pay this balance. I called again in XX/XX/XXXX regarding the update to this, but they had acted like I did not inform them of this in the first place. By the final time I called on XX/XX/XXXX I requested to speak to the fraud department with citibank that best buy credit card services are contracted under. I informed the agent of everything that had happened, and she told me that she would flag this for investigation. On XX/XX/XXXX Best Buy security operations sent me a letter that they had completed my investigation and based on their review I was responsible for the charges due to the fact that I did not identify disputed transactions. This is completely false as I had only one transaction on the credit card and informed them of the item purchased and the total for it!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97222
Submitted Via: Web
Date Sent: 2023-03-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-19
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Macy 's American Express Card. Received a piece of communication XX/XX/XXXX with wrong last numbers to end of letter ( 2190 ). I had lost a credit card inside Macy 's on counter with a bag of purchase on XX/XX/XXXX. I went back into store, inquired about my card which was : XXXX.at this time. The card and most everything was missing out of the bag.I came home and also called them for here at home. A girl by name of XXXX said no problem we'll take it off. And said we'll send another card. I said no please don't until all is settled. received within 4 days. I have called the Citi Bank that has Macy 's & another store 's collection accounts in XXXX, XXXXI never received a bill that I was in collections. Nothing from Macy 's account online? I have spoken to 5-8 people per day to try and straighten out until I Called Macy 's in XXXX. Nothing other than keep trying? for hours on hold. First no balance, then you have to pay old card even though stolen/lost, kept saying you at fault, ( me ). When I called Macy 's before I used new card : you have NO balance, we are sure. I used the card a couple of times and returned every purchase due to not fitting. Now they say I owe old balance and finance charges. Interest charges, etc. I am done reported to credit bureau 's no help at all.I kept receipts they didn't even have. When asked to speak with Supervisor, they said we all same here? Please advise? because I don't know what to do. I have gone back to store, made sure I have copies of every receipt. Help I beg of you. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32904
Submitted Via: Web
Date Sent: 2023-03-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A