Date Received: 2023-02-01
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 066XX
Submitted Via: Web
Date Sent: 2023-02-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-01
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Using my Citi credit card at a XXXX store, the prompt displayed " do you want to shop with points ''. The receipt credited {$10.00} for shop with points but Citi deducted XXXX rather than XXXX from my rewards points. I've historically used my rewards points as statement credits and I pay in full monthly, having never been charged interest BUT Citi is effectively charging 25 % interest for shopping with points. It is deceptive and predatory. Citi will make millions by stealing 25 % of consumers ' rewards balances in that scheme. I contacted Citi when I saw the issue after the 2nd time and they said, management likes to hear customer feedback to improve products so they'll pass my comments on to them, and that's all they had to say. Going forward, I will skip shop with points but a down on his luck or maxed out card holder could need points to complete purchases if they have no other means. Citi owes me {$5.00} but they must stop redeeming points for less than their value and stop bamboozling customers with a quick POS terminal request to use points where the redemption value does not equal points consumed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21208
Submitted Via: Web
Date Sent: 2023-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-01
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I recently opened a credit card with Citi ( XXXX XXXX ) because it offers no foreign transaction fees as a benefit. I recently traveled outside the country to XXXX from XX/XX/23 to XX/XX/23 and was planning on using my card to take advantage of the benefit. The entire time I was in XXXX the credit card was not accepted when I tried to use it. I contacted Citi on XX/XX/23 while in XXXX to inquire about the problem. The customer service representative indicated that no charges were declined on the card. While the charges were not declined, there is still a problem with the card / network / system because my card could not be used. Each time I tried to use it at a merchant, it was not accepted. It is especially problematic because my husband ( who I was traveling with ) also has a Citi credit card and WAS able to use it during the entire trip without issue. In fact, he could use his Citi credit card at ALL of the same merchants where my credit card could not be used. Because I could not use my Citi XXXX XXXX for the entire trip I had to withdraw a significant amount of cash using my debit card multiple times, which incurred ATM fees at both my bank and the bank in XXXX. Additionally, we were forced to use my husband 's credit card, which charges foreign transaction fees. Because my card could not be used, I incurred additional fees and expenses that I was not expecting. I believe it is unfair and deceptive that a credit card that advertises " no foreign transaction fees '' could not be used while I was traveling outside the country.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 020XX
Submitted Via: Web
Date Sent: 2023-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-01
Issue: Wrong amount charged or received
Subissue:
Consumer Complaint: Sunoco on XXXX XXXX XXXX XXXX XXXX XXXXXXXX charged my account XXXX times in the amounts of XXXX, XXXX and XXXX ( XXXX total ) on XX/XX/23, no gas was purchased. The POS system displayed a pin pad error. I have not received my XXXX in XXXX days.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 19805
Submitted Via: Web
Date Sent: 2023-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-01
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: Some one use my information to apply fir credit card and fill for loan i need fill dispute and remove the inqurei
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75023
Submitted Via: Web
Date Sent: 2023-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-01
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: Some one use mu infirmation to apply for credite card
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75023
Submitted Via: Web
Date Sent: 2023-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-01
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am writing to dispute the following information on my credit file. I have circled the items I have disputed on the attached copy of the report I received. This report I received on XXXX shows both credit accounts which are Macys and XXXX. These accounts are fraudulent accounts and were opened without my knowledge or consent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33179
Submitted Via: Web
Date Sent: 2023-02-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-01
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act XXXX account, has violated my rights. 15 USC 1681 Section 602 Staes I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may may not treat a payment an a credit card account under an open and consumer credit plan as late for any purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 79407
Submitted Via: Web
Date Sent: 2023-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-01
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 being charged by XXXX ride company on my Citi card monthly for rides I did not take. I disputed the charge but XXXX wants me to prove that I did not take the ride. So credit card charges were not deleted after I disputed the charge to Citi Bank. I have repeatedly tried to contact XXXX but am unable to reach them to dispute the charge. The charges are on my credit cards statements for XX/XX/XXXX and XX/XX/XXXX. The XXXX app does not allow me to delete my account. It seems they purposely make it hard to delete account or delete payment method. I have been unable to make the changes on my XXXX XXXX. and they do not have a contact method by email or phone.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 74137
Submitted Via: Web
Date Sent: 2023-02-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-01
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Good morning, In reference to my previous complaint regarding my regular Checking Account ending in XXXX and Citi Reference Number : XXXX dated XXXX XXXX, XXXX Upon reading the letter in its entirety, Citi Bank XXXX response team again provided false and inaccurate information. The letter stated : Upon review of your inquiry, we pulled XXXX call interactions and there was not a statement addressing The XXXX XXXX XXXX XXXX XXXX ( XXXX ) certificate. Our decision has not changed, and the letter dated XXXX XXXX, XXXX is attached for you to review This is a false statement as phone calls were made XXXX different times after the XX/XX/XXXX letter from Citi Bank of XXXX Those phone calls were made intentionally to get clarity on the letter sent and specific questions regarding applying for an XXXX license by the sender would result in a quick release of funds. Those phone calls log was recorded and documented and will be presented if needed by the XXXX party investigation into this matter. Further, the sender XXXX XXXX requested copies of the investigation on multiple occasions during a telephone conversation with the Citi XXXX supervisor as stated in the letter : The wire transfer is currently being held due to requirements outlined by XXXX. ( XXXX XXXX XXXX XXXX XXXX XXXX ). Information provided in the wire instructions has prompted a hold on the transaction. You may visit XXXX for summaries on specific country sanctions and guidelines You are entitled by law to obtain copies of the information used in our investigation. We sincerely apologize for any inconvenience this may have caused. No copies of any investigation were provided by the Citi Bank XXXX department till-to-date. That also proves that telephonic conversation was either not properly listened to as mentioned or those issues were intentionally ignored. Citi wire department informed the sender of the wire again on multiple occasions that the wire is held by the Citi Bank XXXX XXXX department due to XXXX on the senders name. The sender cross-references his name against all XXXX sanctions lists and no resemblance of the name was found. Sender, XXXX XXXX, applied for an XXXX license on the XXXX website on XX/XX/XXXX oXXXX XXXX and mysteriously money in the amount of {$XXXX} became available on the morning of XX/XX/XXXX with pending status which was confirmed on XX/XX/XXXX. Citi wire repeatedly provided inaccurate, false, and misleading information starting from XX/XX/XXXX of XXXX till XX/XX/XXXX of XXXX The Citi wire held the funds claimed to due to currency exchange conversion even when the wire was held by compliance and canceled. Citi wire department informed the sender on XX/XX/XXXX of XXXX that the wire amount has left and will be available in the recipient account in the next two days during a phone conversation. On XX/XX/XXXX of XXXX Citi Banks wire department informed the sender, that the wire required additional information, and a secure message is sent to the senders online portal secure message account. No proof of any message in the senders online portal account was found till-to-date. Additional information was promptly provided but the wire was not processed till XX/XX/XXXX oXXXX XXXX In multiple phone calls ( all made by the sender & consumer ) from the beginning, the sender was misinformed, misdirected, and mislead intentionally by the Citi wire to conceal the evidence of wrongdoing. Again, the sender was discouraged on several occasions not to apply for an XXXX license as it will cause more delay in the process. As stated earlier, applying for an XXXX license triggered the release of funds immediately by the Citi XXXX XXXX department which was held either due to discriminatory reasons due to the senders name and origin or intentional mistake and lack of oversight by the Citi officials. I have never seen or heard of an organization or a bank committing their mistakes and providing relief to someone who has XXXX financially and emotionally due to a lack of professionalism, discriminatory attitude, and biased towards certain people of XXXX, holding funds without providing any justification and reasons, providing proofs of their unbiased and impartial investigations, not concealing evidence. This is just a money-XXXX attempt by a bank to XXXX consumer confidence in our system. There is more than enough evidence presented in this letter to prove it was done intentionally and efforts are underway not to provide any proof of their investigation for XXXX clear clarity. I reopen this inquiry again by sending the matter to the concerned authorities and expect full financial relief immediately as outlined in my previous complaint. Please also note that wire was held by Citi on multiple occasions by Citi compliance in the past since I opened an account with Citi Bank. This is just not coincidental.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 068XX
Submitted Via: Web
Date Sent: 2023-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A