Date Received: 2022-11-03
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: XXXX sent me wrong item, took the item and then told me there was nothing I can do. So I went to my credit card company " citi '' and they sided with XXXX because XXXX told me to send nothing to my credit card company " they would not give me proof ''. XXXX also said they received the product and will be refunding me but haven't yet because now it is on infinite loop for " item being sent back '' ... Then proceeds to ghost me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11375
Submitted Via: Web
Date Sent: 2022-11-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-03
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 was charged {$770.00} back in XXXX for an XXXXXXXX XXXX car that I never booked. I filed a formal investigation with Citi and was told they would be investigating. They denied the claim and I reopened it by filing a police report and providing them with everything they needed. They said that XXXX provided a contract showing that I booked the car, however, my wallet was stolen so my ID could have been used to do this. They said they have a signed contract as well but never provided anything and once again denied the claim. XXXX even had already charged me around {$77.00} and after I noticed it, immediatley called Citi fraud dept. to report it stolen. They closed the card but I was still charged the {$770.00} after the fact!! They approved the fraud claim for the {$77.00} but not for the {$770.00} which makes XXXX sense since I made them aware of this before being charged. XXXX is running a fraud operation that must be stopped. Police report info : Incident No : XXXX Title : Stolen Property Officers Name : XXXX XXXX XXXX XXXXXXXX Police Dept .
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77493
Submitted Via: Web
Date Sent: 2022-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-03
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I opened a Citigold Checking account with Citibank on XX/XX/22. The available balance on this account as of XX/XX/22 is {$9500.00}. Upon accessing my account online, their system notified me that my account had been blocked. I reached out to Citibank 's customer service as well as their fraud department, and have been told that my account had been closed for fraudulent activity, but could not elaborate or give me any additional information. Citibank has refused to refund my money and has informed me that it may take up to 75 days to receive a check for the balance they deem appropriate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94070
Submitted Via: Web
Date Sent: 2022-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-03
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: THE HOME DEPOT/CBNA - XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX SD XXXX XXXX - Past due report - {$83.00} {$2500.00} Open balance {$5000.00} Credit limit Problem- CitiBank continues to charge me for this card even though Home Depot has asked me not to pay until the dispute has been resolved. Home Depot Case ID : XXXX Dispute Amount : {$2500.00} Date Submitted : XXXX This card is in dispute pending when the XXXX I purchased from Home Depot functions as intended and passes county inspection which it has failed. I only made one payment before Home Depot asked me to stop making payments until this matter was resolved. On XX/XX/2022, I ordered a XXXX from Home Depot for {$6500.00} and XXXX installed it. I paid {$4000.00} in a debit card and charged {$2500.00} to a Home Depot credit card issued by CitiBank. Shortly after installation, I noticed that the system was not cooling. I called XXXX and was told to give it a few days. On the XXXX of XXXX, I sent an email after several calls notifying them of the system 's failure to cool. They sent out a representative, but the issue was not fixed, I called again on the XXXX and then sent an email. In the email, I asked that they remove the system from my property, and they sent a technician instead to work on the system. XX/XX/XXXX, I filed a complaint with the XXXX, the company was notified and agreed to fix the problem. XXXXXXXX XXXX XXXXXXXX continue to blame the XXXX and send out technicians even though the system was not cooling. XXXX, XXXX admitted to installing the wrong size system which according to them should have been a XXXXXXXX XXXX instead of a XXXXXXXX XXXX XXXX finally re-installed a new XXXX XXXX to fit the size of the home, but the system was still not cooling as intended. During installation, the technician mentioned that the pipe had not been properly installed. They changed the air blower too because of airleaks which had caused my electricity bill to more than doubled in cost. Last month, they changed the system again to a XXXX XXXX and failed an inspection from the county. Here is a list of the issues pending to pass XXXXhe county inspection - Need to reseal supply plenum and check coil panel, can feel air leaking into garage. XXXX [ ] Equipment size increased from XXXX ton to XXXX ton, need to provide manuaXXXX XXXX XXXX calculations, XXXX XXXX equipment selection, and XXXX XXXX duct sizing. XXXX, XXXX [ ] Garage does not meet requirement as unconfined space for XXXXXXXX XXXX. Need to provide combustion air from exterior. XXXX [ ] Need to verify furnace air flow meets minimum per manuf. instructions, see page XXXX. XXXX. I will like CitiBank to connect with Home Depot and stop charging me on this card. The installation of a faulty XXXX has not only increased my electricity bill by double, but it has also caused me sleepless nights and health concerns. Thank you!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32746
Submitted Via: Web
Date Sent: 2022-11-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-03
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Since XX/XX/2020 my bank, Citibank has done a combination of the following actions in the span of XXXX XXXX XXXX XXXX XXXX XXXX ) and XXXX XXXX ( XXXX ) times : XXXX or denied use of my XXXX Debit/ATM card after routine transactions made by self or on behalf of self XXXX or Denied use of my XXXX Debit/ATM card in XXXX XXXX XXXX XXXXXXXX XXXX XXXX '', on my device referred to as " XXXX XXXX '' after routine transactions made by self or on behalf of self Failed to deny use of my XXXX Debit/ATM card physically and/or through XXXX XXXX XXXX XXXX after non-routine transactions by self or others Any of the above mentioned resulting in waits of greater than XXXX XXXX XXXX XXXX XXXX XXXX Denied verification options and/or failure to establish verification tools Made false claims as to the status of my card and/or account or other false statements regarding the use contractual agreement between myself and the bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94602
Submitted Via: Web
Date Sent: 2022-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-03
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I had fraudulent transactions on my checking account. Once Citibank verified they were fraudulent the funds were returned to my account. I received a letter on XX/XX/2022 stating they were closing my account. My account contained {$1000.00}. In their letter they state within sixty days any funds in the account would be issued a check mailing to the address on the account. In XXXX I contacted Citibank to find out the status of my account and was told a check was mailed. In XXXX I contacted the fraud department and was told my account was being sent to the closure department and they had sixty days to close. I asked why was I told in XXXX that the check for {$1000.00}. I was placed on hold and when they returned they stated that they could no longer speak with me and hung up. I called several other times and was told they could not speak with me and hung up. In XXXX I tried to contact Citibank through their automated system but could not identify my card number or my social security number. There were no physical XXXX in the XXXX XXXX. I have had a financial report ran and the {$1000.00} was listed. In XXXX I wrote a letter and provided all of my documentation and have not received any response.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98902
Submitted Via: Web
Date Sent: 2022-11-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting act Macys, has violated my rights. This is my third attempt to exercise my rights and complain to the cfpb in regards to this late payment that is being reported on my consumer report. 15 USC Section 6802 ( b ) ( 1 ) ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; I did not receive any communication giving me the opportunity to opt out of the reporting. 15 USC Section 6802 ( b ) ( 1 ) ( c ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I was not aware at the time that I had the right to opt out. If it was explained to me as stated by law, I would have had the chance to exercise the right to opt out. The terms and conditions were not clear and did not give me the opportunity or knowledge to opt out of the reporting. I am just now hearing about an opt out option from MACYS in the letter where they responded to my first complaint. 15 USC 1681 ( A ) ( 2 ) Exclusions : BY LAW consumer report does NOT include ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Transaction history should not be on my credit report and I did not give MACY 'S permission to report my information. I would like for this account to be deleted. I am more saddened at the fact that my account is open and in good standing and I still can not have the decency of a simple removal that will benefit my family and not hurt this organization what so ever. It shows that the best interest of their customers do not matter. I am also very disappointed in the way the CFPB is allowing this process to continue with little investigation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 40216
Submitted Via: Web
Date Sent: 2022-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-03
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: XXXX XXXX, XXXX. The following occurred : XXXX transactions made on XX/XX/XXXX Posted XX/XX/XXXX XX/XX/XXXX Debit Card Purchase XX/XX/XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Debit Card Purchase XX/XX/XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Card Purchase XX/XX/XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Debit Card XXXX XX/XX/XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Debit Card Purchase XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Debit Card Purchase XX/XX/XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXX RE : Police report XXXX Date : XX/XX/XXXX My caregiver placed this low-income XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, pushed my wheelchair into the bedroom, went into the kitchen and while I assumed she was preparing my lunch, grabbed my cell phone and began sending unauthorized XXXX transactions to herself. After a while, I began calling her name. After my third cry, I realized she was no longer in the apartment. Then I crawled to my wheelchair and rolled into the kitchen where I noticed that my keys were gone. Thats when I realized that something was wrong. Then I went to my desk and saw that my XXXX XXXX phone was not where I had left it. My black bag in which I kept my IDs, bank cards, Medicaid, insurance cards, and medical papers was still there. When I looked inside, I saw that my SS card, IL state ID, Citi debit card, and credit cards were missing. It was the worst day of my life. And now Citi is telling me this never happened and is holding me accountable for the missing funds. Citi has applied provisional credit for the ATM withdrawals, ( XXXX, but I received a letter stating this will be withdrawn. Citi has not applied the {$1700.00} provisional credit for the XXXX thefts as I was told they would, and now I can not pay my rent and may soon be evicted.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60302
Submitted Via: Web
Date Sent: 2022-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting act XXXX ( XXXX XXXX ), Account # XXXX ( redacted ) and Citicard 's CBNA ( Citi Bank XXXX XXXX Account # XXXX ( redacted ), has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX reported a late payment on my account for XX/XX/XXXX and Citicards CBNA reported a late payment for XX/XX/XXXX. Beyond the violation of my rights, I have paid the accounts in full shortly after. These lenders, among others are still asking for my business so I must still be considered trustworthy. No harm no foul. The violation of my rights have injured my credit and myself as a person and I want these late payments removed from all credit reporting agencies, including but not limited to ( XXXX, XXXX, XXXX ) or further action with the XXXX, attorney general and others may be applicable under law.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30016
Submitted Via: Web
Date Sent: 2022-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-02
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I RECEIVED A CALL FROM " HOME DEPOT '' ON SEVERAL OCCASIONS AND FINALLY I WAS ABLE TO RETURN THE CALL. WHEN I RETURNED THE CALL THEY TOLD ME I OPENED AN ACCOUNT AND THAT I CHARGED OVER XXXX IN MERCHANDISE THAT IS NOT MINE, THE PERSON THAT I WAS TALKING SAID THESE PURCHASES WERE IN XXXX CALIFORNIA??? I NEVER LIVED OR HAVE BEEN RECENTLY IN XXXX CALIFORNIA. I TOLD HIM THAT AND TOLD HIM THAT WAS NOT ME AND THAT I NEVER OPENED AN ACCOUNT WITH THEM OR AUTHORIZED TO OPEN AN ACCOUNT THIS YEAR OR RECENTLY, BECUSE HE TOLD ME THE ACCOUNT WAS A RECENT OPEN ACCOUNT??? PLEASE FIX THIS AND I WOULD LIKE TO PRESS CHARGES TO THE INDIVIDUALS OR PERSONS WHO USE MY INFORMATION TO OPEN THIS ACCOUNT. THIS IS IDENTITY THEFT OR FRAUD. PLEASE LET ME KNOW THE BEST WAY TO PROCEED WITH THIS AS SOON AS POSSIBLE.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91915
Submitted Via: Web
Date Sent: 2022-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A