Date Received: 2022-11-26
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Received letter dated XX/XX/XXXX for Best Buy Credit Services. The letter is in XXXX so I can't read it. I have not made a purchase with Best Buy since XXXX so I'm concerned about fraud. I called Best Buy and was passed around and no one could help me. I have had other identity theft issues since last XX/XX/XXXX. The reference number on the letter is XXXX Thank you, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95032
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: Closing your account
Subissue: Can't close your account
Consumer Complaint: Citi Bank sent me a credit card last XX/XX/2021. I have attempted to close it and they will not as I will not supply them with my Social Security number. I never had opened this account and I have been attempting to close it. I recently received a bill from them for use of the card. I was in touch with you folks back last year on XXXX XXXX when I submitted a claim. That ID number was XXXX. This issue needs to be resolved. I have sent Citi Bank a letter as I will not deal with them on the phone any more. This is credit card fraud as I am being held accountable for a credit card I did not apply for.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NH
Zip: 030XX
Submitted Via: Web
Date Sent: 2022-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-27
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: Citi. Bank. Refuses. To. Deposit. My. Check. Into. My. Acount. A. Third. Party. Check. Which. The. Bank notified. Me. That. Citi. Bank. Accepts. Third. Party. Checking. Deposit. And. The. Also. Refuse. To. Credit. Me. The. Fees. They. Took. From. Me. The. Charged. Me. For. The. Returned. Third. Party. Check. They. Stated. They. Accept. To. Deposit. In. My. Acount. And. Giving. Me. An. Elderly. Consumer. Very. Hard. Time. And. Horasing. Me. And. Being. Rude. To. Me. Unacceptable. Rude. Behavior. By. The. Citi. Bank. To. Me
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89128
Submitted Via: Web
Date Sent: 2022-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-27
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: My card was declined due to potential fraud. I called the Citibank number on the back of the card. In order to verify my identity, they put me through a series of inconvenient and weird hurdles. They wanted to call the receptionist at my employer. I tried to explain the company I work for is a very large corporation, its Saturday, and they do not normally verify employment. Eventually I was able to convince them to verify through an alternate method. They then asked to verify by calling another credit card company. They would need my full card number. I refused to do this due to how suspicious this seemed. I also have XXXX other cards with the same bank so this seems unnecessary. They then tried to verify my phone number through the provider but were not able to do so. Eventually they just called my number ( the same one I was calling from ) and that was sufficient verification. Overall this is an entirely inconvenient and dumbfounding process that does not inspire confidence in Citis capabilities. Asking for my full card number at another bank when they are also privy to all of my other information is worrying and I wouldnt be surprised if fraud occurred as a result of this process.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27604
Submitted Via: Web
Date Sent: 2022-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-27
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XXXX, 2022 there was a charge for {$2100.00} on my debit card which I did not authorize. I was on vacation in XXXX during this time. ( Cant be in two places at once ) I advised Citibank of the problem, filed a dispute, which they denied. On XXXX, 2022, on advisement from Citibank XXXX I faxed all supporting documents. I did so on three occasions. Citibank claims they have not received any documentation and refuse to cooperate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60629
Submitted Via: Web
Date Sent: 2022-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-27
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: So I made a donation to a teacher 's thing with my best buy card. I had a targeted {$25.00} best buy certificate with {$500.00} in spend so I decided to use my Best Buy card. When I logged in it said no interest with payments for 6 months. I know the best buy card is either good for no interest for x amount of time or points. Not both. I wanted the points. I have never signed up for a deferred interest item in my life. I called the number on the back of the card and got bounced around for about XXXX hours. Then got a rep that could talk to the back office but they couldn't fix it and that was another XXXX hours
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-11-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-27
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: The credit bureaus are reporting a late payment on XX/XX/2022 which is inconsistent with the other credit bureaus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75104
Submitted Via: Web
Date Sent: 2022-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-27
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Citibank sent me a fraud alert message on XX/XX/XXXX and my account was closed and a new card was issued. After the XXXX several charges were also made from XXXX eats and none of these charges were authorized.The following charges were unauthorized XXXX XXXX both on XX/XX/XXXX XXXX both on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XX/XX/XXXX I never use the debit card I filed a dispute and they denied it
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11426
Submitted Via: Web
Date Sent: 2022-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-28
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/2022, I bought and paid for a cruise with XXXX XXXX XXXX XXXX for my sister and me. Because the cruise was only a week away when we purchased it, I put the charge for both of us on my Best Buy XXXX credit card, issued by Citibank. It posted to my account the next day. A few days after I paid for the cruise in the amount of {$2900.00} my sister came down with Covid-19 and we had to cancel her portion of the cruise. We did so in writing on XX/XX/2022. I have a copy of that email to XXXX XXXX where I told XXXX XXXX my sister would not travel, but I still planned to travel. We each purchased the insurance policy from XXXX that said either one of us could cancel for any reason up until departure time and receive XXXX XXXX of the cruise fare back. The charge for my sister was {$1000.00} and the XXXX XXXX Booking Confirmation XXXX, including the insurance coverage, can and will be provided to you. Because my sisters cancellation was so close to departure, I didnt expect to hear back from the cruise line until I returned. On my return, I waited and waited to hear from XXXX and they didnt respond in writing. I sent them a second email asking them to reimburse me for my sisters fare and still no response. I then started calling the customer service number at the cruise line and spent many hours on hold, only to be disconnected hours later. In utter frustration, I filed a dispute with my Best Buy XXXX card and was told I didnt have to pay the disputed amount until the issue was resolved. On XX/XX/XXXX, I had another charge on my Best Buy XXXX credit card statement in the exact same amount of the original charge of {$2900.00}. I started calling XXXX customer service number and on XX/XX/2022, I finally managed to be connected to a XXXX XXXX customer service representative by the name of XXXX XXXX. XXXX XXXX seemed to understand the situation and he immediately credited me with a future cruise credit for my sister and refunded the amount of taxes we were charged. The email between XXXX XXXX and me can also be sent to you. I followed up a week later and XXXX XXXX said there was still no word from their credit card department on why there was a duplicate charge to my credit card bill. Another email a month later went unanswered. I assumed the mistake was with XXXX XXXX because they said they would respond as soon as they had an answer from their credit department, but no response was forthcoming. In total frustration, I contacted XXXX XXXX XXXX, the President of XXXX XXXX on XX/XX/2022. That email can and will be provided to you. XXXX XXXX responded to me on XX/XX/2022 saying that the duplicate charge was a REPOSTING of a previous charge. There had been a reposting of the amount of my sisters portion in the amount of {$1000.00} on XX/XX/2022. The next charge of {$2900.00} was the whole amount for both my sister and me. In other words, I was charged twice for my cruise and once for my sisters cruise. XXXX XXXX said the mistake was with XXXX and I should contact my credit card provider, Best Buy XXXX. At that time, I started contacting XXXX. I spoke with XXXX at Best Buy at XXXX mountain time on XXXX XXXX, 2022. XXXX said he understood the issue and was sending it to his account XXXX, XXXX who would be sending me an updated letter within 10 days. The letter from XXXX never came, so I called back again and spoke to XXXX on XXXX XXXX, 2022, who promptly disconnected me. I called back again and spoke to XXXX at XXXX on Tuesday, XX/XX/2022. XXXX transferred me to XXXX who asked me to send my documentation to him in order to facilitate the credit for the duplicate charge. I should have been suspicious when XXXX put me on hold for half an hour but did not give me an address to send the documentation. He gave me a time stamp of XXXX on XXXX XXXX, 2022. XXXX did agree that it could not be a charge back since the original charge of {$2900.00} was never credited back to me, only my sisters portion of {$1000.00} was credited back on XX/XX/2022. I was told the adjustment to my account of {$2900.00} would be accomplished no later than XX/XX/2022, when the new statement was sent out. That didnt happen. I have heard nothing from XXXX, there is no credit to my account, so Im contacting you. I have gotten the run around from both companies, but XXXX XXXX has put my issue in writing. Despite assurances from XXXX that they understood the duplicate charge issue, they have never put anything in writing. Im told it will be rectified, then nothing happens. In the meantime, Im out {$2900.00}. I hope you can help me. I pay my credit card statement in full every month and I can not afford to float a loan to XXXX in the amount of almost {$3000.00}. Thank you. XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX ( XXXX ) XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 840XX
Submitted Via: Web
Date Sent: 2022-11-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-28
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Citibank on or about XX/XX/2022 sent communication to my residence stating that they were closing my account without explanation as to why. I am out of the country so I did not find out until later. I immediately demand return of my substantial moneys in that account without delay. In addition to this complaint I will be seeking relief through state and or federal court once I figure out the proper venue. This is unacceptable They would not provide any explanation and I believe they are withholding the intro bonus to which I should be entitled. All k ever did was make some transfers between brokerage accounts such as robinhood and their in house citi self directed investing. They have numerous complaints on Internet forums and anecdotes claiming they do not return money promptly XXXX I do not want to become a casualty of this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 40065
Submitted Via: Web
Date Sent: 2022-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A