Date Received: 2022-11-29
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Citibank has yet to resolve the multiple disputes about incomplete, inaccurate, and unverifiable information and is in multiple violations according to FCRA and other consumer laws as stated in the attach affidavit which Citibank is in default. Citibank has yet to pay invoice for violations, damages etc. Citibank is yet to take appropriate actions according to FCRA towards fixing my credit report on the disputed incomplete, inaccurate, and unverifiable information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01880
Submitted Via: Web
Date Sent: 2022-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-25
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Good day. Please note that in reference to my CFPB Complaint # XXXX, I have now received a Decline Letter from CitiBank Best Buy after they informed me I was approved with a counter-offer. This is now unacceptable banking practice. An approval with a counter-offer is a DECLINE? This is just indicating to me that they do not know the difference between an Adverse Action Counter-Offer and a Decline over there. This is unacceptable banking practice. Furthermore, the decline letter has 4 adverse reasons... only 1 of which was communicated to me on the phone. The rest of them I just don't understand at all. The adverse reasons I list below. " Proportion of loan balances to loan amounts is too high? '' My revolving debt utilization is presently 5.5 %. Therefore, " Proportion of loan ... '' must be referring to my mortgage ( term debt ) - and that shouldn't be a reason for selecting " Proportion of loans balance to loan amount '' because it's term debt. Principal balance on mortgage debt will also be the credit max on mortgage debt because it's term debt not revolving debt. Even if Proportions of loan balance to loan amount were a system selection, they should know to deselect it. This is unacceptable banking. _Length of time revolving accounts have been established????? _Too many accounts with balances???? _Time since most recent account opening is too short. ( This doesn't change 5.5 % utilization ) _Proportion of loan balances to loan amounts is too high???? This is very scary. So was CitiBank Best Buy lying to me on the phone about a counter-offer? Or are they lying now about a decline? Where is the transparency in all this? And as informed as I am, I'm still confused. I can't imagine how confused this would be for a customer less informed. This is wrong. This is unacceptable banking practice.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-25
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: citi bank closed the accout but can not identify the person that opened it under my name and my information
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 019XX
Submitted Via: Web
Date Sent: 2022-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-25
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, Citibank alerted me to over {$1500.00} in suspicious charges. I responded immediately that this was fraud, that I did not make those purchases. The charges disappeared from my account. In the brief time they were posted to my account online, I saw that they were charges to XXXX, a merchant I haven't shopped at in years. Citibank closed my account immediately and sent me a new card with a new account number. I received an online notification that a disputed charge of {$310.00} had been removed from my account at this time. Over a month later, on XX/XX/XXXX, XXXX mysterious charges amounting to {$1000.00} in all appeared on my new, clean account. They are labeled as XXXX XXXX and all are dated a month or so earlier, from XX/XX/29 to XXXX. In XXXX I also received a notification that a $ XXXX charge was posted to my account due to a billing delay. When I reported this to Citibank, they immediately closed the account and issued me a new card with another new account number. What they failed to do was remove the twice-disputed charges from my account. I can not dispute the charge online ( that command is not an option, but only for the 3 charges I refer to ). I have called the company and their dispute center at least five times to resolve this. But the charges remain, 6 months later. Every time I call, it seems like I start from scratch. I am asked if I'm sure the charges are fraud each time and I say so. I am told that a dispute has been opened about them, but I am not given a dispute number or case number. I am told that they will get on it and I will hear back in 90 days. There is no information on my online account about this. No one will call me or send me an email or a letter in reply to this problem. I can only conclude that there is unbelievable incompetence at Citibank, or that it is willful and deliberate. Perhaps Citibank hopes that eventually I will just give up and pay the $ XXXX in charges from their errors. I should call again, as it has been over 90 days since the second official report of these bad charges. But it is unpleasant, frustrating and ineffective to call them. Since I will not pay these charges, I am not paying my balance in full each month as was my habit. I have been charged interest monthly on these amounts. I received an alert that my credit score has changed, and I doubt that's because my credit score has been improved by this mess. The impact of Citibank 's lack of action is costly and seems never-ending. Can I get help with this please?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22401
Submitted Via: Web
Date Sent: 2022-11-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-25
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/XXXX, I noticed a {$250.00} charge on my Citibank XXXX that I did not authorize. Nor did I recognize the XXXX - XXXX XXXX- which appears to be a chain of hotels. Since I did stay at any hotels, or reserve any hotel rooms, I realized that this must have been a fraudulent charge & notified Citibank immediately ( on XX/XX/XXXX ) by phone. They advised me that it would take a week or so to investigate & reverse this charge. I then followed up XXXX to check on the status of their investigation and was advised " it was still under investigation ''. It seemed as if nothing was being done at all and this fraudulent charge is still on my Citibank account. It is now XX/XX/XXXX - over XXXX weeks that I notified Citibank about this charge hasd nothing has been done.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 20175
Submitted Via: Web
Date Sent: 2022-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-25
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: Hello, I hope you're doing well. I need to add to my compliant with Citibank XXXX that the erroneously closed my account. I was never 30 days late. My account shouldn't have been closed. My billing date for payment is the XXXX of each month. I have requested the service agreement on many occasion to support Citibank CBNA right to close an account for a payment that was paid before XX/XX/2022. I paid on time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95843
Submitted Via: Web
Date Sent: 2022-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-26
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 section 6 o 4 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 uscs 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: NJ
Zip: 08638
Submitted Via: Web
Date Sent: 2022-11-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-26
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I opened an acct in XXXX and because I had to call in to finalize the application, I did not receive my {$25.00} first order promo code. The woman on the phone told me to call back in 2 days so they could manually deduct it. I called several different times. I opened a dispute and it was mysteriously closed without a single word. In the fine print it said to pay my bill, minus the disputed amount, which I did. I opened a dispute again and then submitted the promo picture, the order I purchased, wrote a letter and so on. Between that dispute and more phone calls I was told I won the dispute. However, they said it would take 1-2 billing statements. Then the very next statement they charged me {$25.00} late fee and interest. I called again and the CSR said she would remove the late fee and as a " courtesy '' she would remove the interest charge! Again after talking felt all will be fine. The next billing cycle I was charge another late fee and more interest. I called again. There's been at least 2 times I even asked to speak with a manager. The last call was on XX/XX/22 with a manager, who ASSURED me this would be all cleared up. But then on XX/XX/22 it came to my attention I was reported to the 3 credit agencies and have lost XXXX POINTS on my credit rating!!! I am mailing a certified letter to them next week.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 61615
Submitted Via: Web
Date Sent: 2022-11-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-26
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I recently opened my credit card account at Citi and received my card a few days ago. I made my first few purchases, and then, without receiving a notice, my credit card stopped processing transactions. I called Citi 's fraud number, and they first asked me for a phone number other than my current phone number ( which is listed on my account ) that they could send a verification code to. I told them my current phone number is my only number, and then they asked me a series of security questions which I answered accurately. They told me that I would have to wait to receive a letter in the mail, which would take up to 10 days. I asked to speak to a manager, and was told that one would call me back within one hour -- I never received a call. I have not been able to use my credit card for transactions, and I have waited a long time on hold with the fraud department, but the issue remains unresolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95070
Submitted Via: Web
Date Sent: 2022-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-26
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: CITI Sears card ran offer of 15 % back on gas stations, grocery stores and restaurants up to maximum of {$90.00} for XXXX, XXXX and XXXX. I received the credits for XXXX and XXXX but not XXXX, despite receiving an email on XXXX XXXX stating I had accrued XXXX as of that date for the month of XXXX, yet I never received any of that credit which, by my own statement records would have been {$90.00} by the end of XXXX. Furthermore I called 3 times to resolve this and was treated with disrespect. The first manager said he would resolve it in 5-7 days and 3 weeks later still no credit. I called again and again explained the situation to the manager at which point with no warning he put me on hold where I waited for 30 minutes before giving up. This was rude and unacceptable.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-11-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A