Date Received: 2022-11-17
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: The debt collector ( XXXX XXXX XXXX XXXX XXXX ) collected exempt funds from my checking account. Ive tried to contact the collector about the matter, but the collector has failed to respond. Also Citi bank charged my account XXXX $ without my authorization, the funds Citi bank took without my permission is also exempt.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11691
Submitted Via: Web
Date Sent: 2022-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-17
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: My Home Depot Credit Card is seldom used. A charge appeared and I questioned the charge but after numerous telephone calls and even several in person visits to the store, I was unable to obtain any information. I did pay the {$50.00} charge only to find interest charges accumulating thereafter and daily. Furthermore they continue to accumulate The telephone numbers provided on the Home Depot website as well as that on the back of the card include the following : ( XXXX XXXX, XXXX XXXX, and XXXX ). but provide only recorded responses which relate to correct balance or help with orders, none of which apply to this issue. After extended wait times on each of the many attempted telephonic contacts, I eventually spoke with a person located in XXXX only to be transferred to a rewards program, then after yet another transfer, the call was terminated at the other end. Every call involved lengthy wait times and none any actual communication. Additionally, I attempted to contact them via email ... .also to no avail. They conveniently hide behind listed contacts that are not valid for they always lead back to account balance or order status that are provided with artificial intelligence programs. This has been going on for almost 90 days. Meanwhile, the credit card company, Citibank N.A. continues to apply additional interest which is compounded and has even marred my personal credit. Thank you for your help with this very frustrating issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 926XX
Submitted Via: Web
Date Sent: 2022-11-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-17
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: My husband opened a Best Buy Citibank credit card in XXXX. Citibank to date has withdrawn XXXX XXXX. They had authorization to withdraw XXXX. XXXX a month. At times they went into my account which only had our social security and civil service pensions and withdrew money several times in a month. Most recently they withdrew XXXX XXXX. The account is now in the negative. I want them to reimburse all the money they took. I cant believe they can get away with these deceptive practices. I read your lawsuit against them and I feel victimized by them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32952
Submitted Via: Web
Date Sent: 2022-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-17
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 purchased tickets for the XX/XX/2022 show at the XXXXXXXX XXXX XXXX through XXXX on XX/XX/2022. The tickets cost {$330.00} and I put that on my Citibank Mastercard. Within 3 days, due to health problems ( we are XXXX and XXXX years of age ), we contacted XXXX at XXXX to cancel our purchase. The customer service representative took specific information from me by phone and said she was submitting that to XXXX, who handles the ticketing, for a full refund. In addition, she advised that we would see the refund on our Citibank account in about 2-3 weeks. When 2-3 weeks passed, but we didnt see a refund posted on our Citibank card account XXXX we called both XXXX and XXXX on at least 8 different occasions and repeatedly got the runaround. For example, even though XXXX submitted our request for a refund on approximately XX/XX/2022, XXXX has repeatedly told us that they could not find a record of our purchase in their system. Just today, I called XXXX and was told that they also did not have a record of our purchase or request for a refund. Despite all this time time and both companies telling us that there is no record of our purchase or request for a refund, we have never received the tickets or a confirmation email about our purchase of them. When I disputed this transaction with Citibank, they denied it, saying that the merchant provided documentation stating the charge is non-refundable, however, there was no wording whatsoever about refunds being prohibited in the paperwork that we received from the merchant following our purchase. Citibank sent me copies of the steps on a companys website ( possibly XXXX ) when someone is purchasing tickets. I believe their decision was based on this information, however, I did not purchase these tickets through the website. I called XXXX and they completed the transaction for me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 15001
Submitted Via: Web
Date Sent: 2022-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-17
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I've filed a dispute with macys/CBNA credit card company where I have been incarcerated in the XXXX department XXXX XXXX XXXX XX/XX/2017 serving a XXXX year sentence in the XXXX department XXXX XXXX XXXX Where I am housed at the XXXX XXXX correctional center at XXXX XXXX XXXX XXXX, OK XXXX and my XXXX XXXX is XXXX. I looked on my credit report, I seen an account from macys credit card that I had not opened nor giving anyone permission to use my name to do so. I've sent this company a copy of my consolidated record card which shows my start date, how long I've been in prison, with a copy of my XXXX prison Identification with my Social security card. Which could've all been verified by the XXXX XXXX XXXX had this company did a proper investigation into this matter. Where they failed to respond to me in writing. And for these reasons if I have been incarcerated for the past XXXX years when this account was opened in my name I was in the XXXX department XXXX XXXX at the same address of XXXX XXXX XXXX XXXX XXXX XXXX for the past 5 years where no credit card was ever Sent to me at my apddress at a penal facility. this is facts that would've have shown that someone is using my personal information, was the whole reason I'm complaining about this account. Where I was a victim of identity theft.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 745XX
Submitted Via: Web
Date Sent: 2022-11-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-18
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: On Monday, XX/XX/2022, I walked into Citibank located at XXXX XXXX XXXX, XXXX, CA XXXX and inquired about opening a Non Interest Bearing Trust Account for my XXXX XXXX XXXX. I spoke to XXXX XXXX who explained that they do have these types of accounts and that he needed my Certificate of Trust and the XXXX number for the XXXX XXXX XXXX to send to the legal department ahead of time so they could review it since it takes a few days. I provided XXXX XXXX my recorded Certificate of Trust and the assigned XXXX number for my XXXX XXXX XXXX from the Internal Revenue Service so he could make copies. I then scheduled an appointment to return to open the account on Monday, XX/XX/2022 at XXXXXXXX XXXX. On Monday, XX/XX/2022 at XXXX XXXX I arrived at Citibank and sat down to meet with XXXX XXXX to open the account. XXXX XXXX asked me to provide him with the notary jurat page of my Certificate of Trust as he stated the back office said they needed it and had not received it the week prior. I provided this to XXXX XXXX and we chatted as he began to set up the account on his computer. XXXX XXXX asked many questions regarding the account and asked was I interested in other products and services and that he just needed me to provide my social security number to unlock additional benefits, I declined. After being in the bank for approximately XXXX minutes XXXX XXXX paused and stated that he would not be able to open the trust account without having my social security number, I refused and stated I should be able to open this trust account with the XXXX number for my XXXX XXXX XXXX XXXX XXXX stated that it was bank policy and I asked to be provided with a hard copy of said policy that stipulated this. XXXX XXXX said he did not have a hard copy and turned his computer towards me so I could see some verbiage that he claimed was internal to the bank and that my social security number was required to open the trust account. I asked for a copy of what he had on the screen and he said he could not give me a copy. After a few moments I stated that I would give him my social security number so he could open the trust account provided he sign Form XXXX XXXX No. XXXX that way he could collect the $ XXXX FDIC Insurance and I could open my trust account while limiting access to my social security number. XXXX XXXX said he refused to sign Form XXXX XXXX XXXX. XXXX. I then asked to speak with the Branch Manager and he stated that he was the Branch Manager. I asked to speak with his supervisor and he wrote the name XXXX XXXX on the back of his card with the number XXXX. I went to Citibank to build a relationship since I had never had an account with the financial institution ; therefore, they did not have access to my social security number as the guarantor of any accounts opened. They now have my trust information, XXXX XXXX, my source data and still denied me opening the Non Interest Bearing Trust Account for my XXXX XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-18
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 made a purchase from XXXX online for {$150.00}. During this process they added on a second purchase of {$26.00}. When they sent the confirmation notice, I found out that they had added on the second item. I immediately called them to -protest .and to cancel the order. They said that they had processed the order. I told them that I would refuse the order and they then offered a refund of XXXX When I received the order, I did refuse the package and sent it back by U.S. Postal service. I have a tracking receipt. I did get the {$75.00} refund. The company never admitted that they received the package back. When I called Citibank about the issue I sent them the tracking receipt, they investigated and withdrew the {$150.00}. but later within the billing period put the {$150.00} back on my account. I also sent them copies of two statements from the company that they had cancelled the two orders.. I use this card for XXXX purchases, and hardly ever for anything else. Usually I pay the full amount owed each month. Citibank has threatened me that they will report.me to the three reporting companies if I do not pay them {$150.00}. I do not have the merchandise, I sent it back and have proof. Tt is unfair to try to compel me to pay for something that I have not benefitted from.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95831
Submitted Via: Web
Date Sent: 2022-11-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-16
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: my information was stolen and used for fraud.
Company Response:
State: TX
Zip: 76227
Submitted Via: Web
Date Sent: 2022-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-16
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/XXXX, I contacted Citibank in reference to The charges below which were not Authorized by me, The card holder, XXXX XXXX. See XXXX transactions below. Unauthorized charges on my Citibank XXXX XXXX Totaling Amount {$6300.00} Ive contacted OHIO XXXX XXXX 3 times and no response. Phone # ( XXXX ) or ( XXXX ) XXXX XXXX. XX/XX/XXXX {$390.00} Ohio XXXX XXXX @ XXXX XXXX. XX/XX/XXXX {$390.00} Ohio XXXX XXXX @ XXXX XXXX. XX/XX/XXXX {$390.00} Ohio XXXX XXXX @ XXXX XXXX. XX/XX/XXXX {$390.00} Ohio XXXX XXXX @ XXXX XXXX. XX/XX/XXXX {$390.00} Ohio XXXX XXXX @ XXXX XXXX. XX/XX/XXXX {$390.00} Ohio XXXX XXXX @ XXXX XXXX. XX/XX/XXXX {$18.00} XXXX online @ XXXX XXXX. XX/XX/XXXX {$41.00} XXXX online @ XXXX XXXX. XX/XX/XXXX {$150.00} XXXX XXXX @ XXXX XXXX. XX/XX/XXXX {$10.00} XXXX @ XXXX XXXX. XX/XX/XXXX {$10.00} XXXX @ XXXX XXXX. XX/XX/XXXX {$450.00} XXXX XXXX @ XXXX XXXX. XX/XX/XXXX {$390.00} Ohio XXXX XXXX @ XXXX XXXX. XX/XX/XXXX {$390.00} Ohio XXXX XXXX @ XXXX XXXX. XX/XX/XXXX {$390.00} Ohio XXXX XXXX @ XXXX XXXX XXXX. XX/XX/XXXX {$390.00} Ohio XXXX XXXX @ XXXX XXXX. XX/XX/XXXX {$390.00} Ohio XXXX XXXX @ XXXX XXXX. XX/XX/XXXX {$390.00} Ohio XXXX XXXX @ XXXX XXXX. XX/XX/XXXX {$390.00} Ohio XXXX XXXX @ XXXX XXXX. XX/XX/XXXX {$390.00} Ohio XXXX XXXX @ XXXX XXXX. XX/XX/XXXX {$7.00} XXXX @ XXXX XXXX. XX/XX/XXXX {$10.00} XXXX @ XXXX XXXX. XX/XX/XXXX {$10.00} XXXX XXXX @ XXXX XXXX. XX/XX/XXXX {$27.00} XXXX XXXX @ XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11211
Submitted Via: Web
Date Sent: 2022-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-16
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2022 I tried to transfer {$1700.00} from my personal checking account at Citibank using XXXX to my business account at XXXX. I used a wrong email address associated with my business account for using XXXX. The transfer failed and they are holding my money since XX/XX/2022. I have called Citibank many times. They sent me a letter that they have accepted my complaint on XX/XX/2022 but they are not releasing my money. I called them many times but they do not make my money available in my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 110XX
Submitted Via: Web
Date Sent: 2022-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A