Date Received: 2022-11-14
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Received a denial to open a Citi Bank Credit card. I didn't apply. I've tried calling the company but I haven't been able to get through the phone tree.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 233XX
Submitted Via: Web
Date Sent: 2022-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-14
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Citicard debited autopay amounts from an old bank account that was never setup for autopay instead of the one specifically setup for autopay. The amount debited was {$7600.00} resulting in an overdraft of that older account. I never activated the auto-pay feature until after entering a new account that was setup specifically to act as the autopay for credit cards and has plenty of cash to cover. The new account has been auto-debited for about a year without issue and now out of the blue the card debited against the old account which was only ever used for manual payments. This is an unacceptable mistake and has caused serious ramifications and a problem I have to waste time solving.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ID
Zip: 83814
Submitted Via: Web
Date Sent: 2022-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-14
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: In response to a splash invitation when I was online with citi.com, on XX/XX/XXXX, I opened a Citi XXXX XXXX. However, because of an erroneous fraud suspicion on their part, Citi closed my account after a few days, and froze over {$91000.00} that I had on deposit, and sent me a lame letter ( dated XX/XX/XXXX ) with very little information about why this action was taken and when I would get my money back. When I tried several times calling Citi customer service lines ( including the number listed on the letter ), I was given patronizing evasive answers with only the information that a check would be sent to me within 30 to 60 days. When I elevated the complaint to a supervisor, the supervisor told me a different department was handling the matter, and gave me the same number to call that I had already tried. On XX/XX/XXXX, I filed a complaint with CFPB ( XXXX ). Citi responded with an email on XX/XX/XXXX. Because Citi responded, CFPB closed the complaint. But Citi 's email did not refund my $ XXXX nor resolve the issue. Instead, in order to consider expediting my claim, Citi requested more info from me ( statements from the source fund banks from which I had transferred the funds for my new Citi account ). I emailed Citi the requested scans of my funding accounts on XX/XX/XXXX, and received a confirmation from Citi that the scans were received. Instead of expediting my claim, Citi used my cooperation as an excuse to reset their response timetable, because when I called after a few weeks to request an update on my case, the representative reported that Citi was now reviewing the scans I had emailed, and would respond within 30 to 60 days. According to the original letter received from Citi dated XX/XX/XXXX, my funds were promised to be returned to me within 30 to 60 days. But I still have not received the refund. In summary, Citi baited me to open a new account, promising an opening bonus ( XX/XX/XXXX ). But, for no reason, Citi closed the account, citing their right to close my account for no reason ( XX/XX/XXXX ). If my funds had been returned immediately, I would not have complained, as I need the money for a house purchase in process. But Citi froze my funds, promising to mail a refund check in 30 to 60 days, but refusing to answer my legitimate questions and demand for an immediate refund. Only after my complaint to CFPB ( XX/XX/XXXX ), did Citi give some response, but rather than giving me a refund, Citi just demanded more documentation from me ( XXXX ), which I provided ( XX/XX/XXXX ). But now, after I inquired about an update from Citi on XX/XX/XXXX and XX/XX/XXXX, Citi is just continuing to further temporalize.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 991XX
Submitted Via: Web
Date Sent: 2022-11-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-14
Issue: Other features, terms, or problems
Subissue: Add-on products and services
Consumer Complaint: Signed up for the Best Buy credit card physically at a store location In around XXXX ( i believe it was Best Buy, in XXXX XXXX, NC ) i didnt do anything online or speak to any credit personel. i filled out the paper application and at the time was also making a larger purchase. I was approved for the credit card at the time of purchase and have an active and good standing credit account with them for the last 12 years. I usually kept the balance very low or at {$0.00} most the time i have owned the card, until recently i just noticed that since i used the card a good bit last year i started seeing a recurring monthly charge labeled simply as " DEBT PROTEC : XXXX '' I feel bad the i only noticed this charge until now, i usually pay my bill and dont look too much at my statements. on XX/XX/XXXX I called CITI bank and was given another phone number that apparently is the parent company of this scam program called debt protection for best buy CITI cards. Not only was the customer service team barely able to explain in good detail what the program did but they also had no clue that there was a over XXXX XXXX dollar lawsuit settled that directly related to the program and more iomportantly people like myself who signed up and started theyre accounts in store on paper applications and was never asked whether or not i wanted to enroll in such program. Not only did the customer service tell me all they can do is cancel it and that they could submit a request to refund, they laughed when i asked if i would be refuned the amount of charges i paid over the entire 12 years of being a cardholder and account holder. Not only have a been paying into something fraudulent for years and years, i cant even tell how much i paid in total because i can only see my month statements dating back until XXXX. There's an additional 8 years i can not view. And on top of all this, during the customer service representive trying to explain what the program was and what it did, she stated that it can also wipe out debt or amount owed if the account holder ever became unemployed or XXXX. On XX/XX/XXXX i became 100 % Permanently and Totally XXXX and considered Unemplyable by the Deparment of Veterans Affairs ( i have all paperwork to prove ) and have not had a job in the last 4 years. So i was apparently paying into a program for 12 years, became XXXX and unemployed the last 4 years, and not once did i know anything about this scam program that apparently should have been helping me and did not! I really hope you can help me resolve this issue, i feel like i should have been a part of the lawsuit filed in XXXX against CITIBank but again i was kept out of the loop. XXXX XXXX XXXX
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: 2022-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-14
Issue: Credit limit changed
Subissue:
Consumer Complaint: Best Buy has violated my rights as a consumer. After receiving credit from them and making on time payments every month on top of being charged unnecessary fees, Best Buy decided to pull my credit report without my permission and decrease my credit limit. this decrease happened with no knowledge or request to increase my limit. This decrease happened immediately after me making a big payment on my account. Best Buy decreased my account limit from XXXX to XXXX after I brought my account balance down to around {$900.00}. This has effected my credit score and utilization rate making it hard for me to obtain credit. I have never received any adverse action letters or statements which by law I should have received a letter 45 days prior to them making the decrease on my account. Congress makes it clear that I have a RIGHT TO PRIVACY as a federally protected consumer! Best Buy has violated and disrespected my right to privacy which is a direct violation of the FCRA and the Gramm-Leach-Bliley Act! I did not consent or authorize for best buy Buy to use or share my nonpublic personal information. They have violated my privacy to their benefit with no benefit to me or my account. Please be clear that no consent or authorization is IDENTITY THEFT! Best Buys willful noncompliance has resulted in identity theft which I demand to Cease and Desist!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34758
Submitted Via: Web
Date Sent: 2022-11-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-14
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XXXX of 2022 I contacted XXXX XXXX about a family member opening a card in my name Ive disputed the item but its still on my report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19142
Submitted Via: Web
Date Sent: 2022-12-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-14
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: My Citi Card will not allow me to make changes to my profile as it says I am authorized user which I am not. I am the only card holder and primary I have spent hours on XXXX XX/XX/XXXX and XXXX XX/XX/XXXX trying to resolve. They transfer me around to about dozen different departments. They have reset my user profile and it still says I am authorized user. On XXXX I spent my time from XXXX XXXX being transferred overseas to numerous departments and all refused to let me speak to a supervisor. On XXXX XX/XX/XXXX same issue. All says my account is fine need to talk to technical support. I am not able to change my profile or access my Thank you Rewards points. I am the primary card holder. They have refused to let me speak to a supervisor or transfer me state side to speak with a rep.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44011
Submitted Via: Web
Date Sent: 2022-11-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-14
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: My name is XXXX and I recently opened a checking account with Citi bank and I work as a driving instructor so my job pays me every single month. When I deposited a check last week on my XX/XX/22 the money processed in about 3 days. After the second day passes by I come to find out that they have blocked my account and then closed and terminated it afterwards for no apparent reason. Now I have {$2800.00} stuck in my account and I can not get it out.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11355
Submitted Via: Web
Date Sent: 2022-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-13
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: XX/XX/XXXX Citibank sent invite to me via mail. SAID : Change my current simplicity card to a XXXX XXXX card. Received letter/contract for new card mailed on XXXX XXXX on XX/XX/XXXX. Read it. Letter states that once I activate my new card, expected XXXX XXXX, then my simplicity card would be closed and all transactions from simplicity card would me moved over to my XXXX XXXX card. Page two states ; " This agreement takes effect once you use your card. Even if I don't use the new card the agreement will take effect unless I contact them within 30 days after this agreement was sent to cancel. I went online and found that both cards were listed as being current. All transactions from my simplicity card had already been moved. My preapproved simplicity interest rate was 0 % until XX/XX/XXXX. Now on the new card it is 19 %. I immediately called three numbers and spoke to representatives stating I did not want this new car. 1.5 hrs. later the representative told me that they could NOT reverse the process and if they did I would not get my original card back or interest rate!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32162
Submitted Via: Web
Date Sent: 2022-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-13
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: I got my new Citi Aadvantage MasterCard around XX/XX/XXXX. Since then, I have been unable to add the card to my XXXX XXXX on my XXXX for use with XXXX XXXX. I spoke to Citi, who told me I needed to call XXXX, because " rest assured '' there is no problem with Citi. XXXX told me there are no issues with my XXXX XXXX and that if I'm unable to resolve the issue with Citi, I should request a " PNO escalation ''. I've spoken to multiple representatives from Citi since XX/XX/XXXX, both on XXXX, their website chat feature, and through callbacks initiated by Citi. No one has been able to resolve the issue, or seems to have made an attempt to resolve the issue. Each time I call it's as if I'm speaking about an entirely new issue. This morning I was called and then put on hold for 15 minutes, and then transferred to someone who had no idea who I was.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19146
Submitted Via: Web
Date Sent: 2022-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A