Date Received: 2022-11-02
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 had planned on attending a graduation in XXXX on XX/XX/2022. XXXX XXXX stated they had to cancel my flight due to scheduling difficulties. I traveled on XX/XX/XXXX to XXXX. I had reserved a car with XXXX through XXXX and I requested a refund due to the situation. I called XXXX and XXXX with no help in sight. Then I filed a complaint with my own credit card Citi, proving them a letter from XXXX XXXX stating that they had cancelled my flight. Consequently, after going back and forth with Citi and speaking after speaking with XXXX today trying to explain but he stated they could not accommodate me and that if I did not have it in writing as to XXXX XXXX XXXX stating that I am entitled to a refund, CIti was not a part of this dispute. Consequently, since I do not own a plane it appears that the extra money I paid is justified and that I have no recourse even if my flight was cancelled by the airlines. Further, since I did not ask them for a refund that basically I have no recourse. It appears, Citi has sided with the vendor that they are not obligated in any way to refund me. I am hoping that you can find an amicable solution to this matter. Thank you. XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 303XX
Submitted Via: Web
Date Sent: 2022-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-02
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: I made a purchase for {$6100.00} on XX/XX/XXXX. On XX/XX/XXXX I moved that purchase to the Citi flex pay plan transferring that balance out of my purchase account and into my Citi flex plan # XXXX. I made my scheduled payment of {$3800.00} effective for XX/XX/XXXX. On XX/XX/XXXX my bank notified me that the payment was to be rejected because they closed my account due to a XXXX fraud attempt. I immediately called Citi and informed them of this. I asked them what to do and they said I needed to make a replacement payment for the same amount which I did. I even have an email record from Citi stating a " replacement payment is required '' to my account. The problem is that Citi then applied this replacement payment against this flex pan # XXXX instead of my outstanding balance. This was noticed by me when Citi revised my XXXX statement and charged me fees for the returned check and interest on the standard purchase and the offer. I called Citi on XX/XX/XXXX to discuss this. I spoke to a representative who saw the issue and put in a request for the back-end team to move the amount back to the flex plan and apply the payment correctly, she said it would take XXXX days. I called early in XXXX and spoke to another representative and then a supervisor. The supervisor informed me that the representative on XX/XX/XXXX did not complete their request to the team, so no work had been completed. He said that he would put in the request and expedite it to make sure it was handled accordingly. This was not done. I called again on XX/XX/XXXX or XXXX and talked to another representative and supervisor. This supervisor assured me that he would correct the matter and to " consider it solved ''. In fact, he did accomplish something, but instead of fixing the matter, the back-end team moved all but {$27.00} of the balance of Plan # XXXX to my purchase accounts in error this caused me to incur in error an additional {$110.00} in interest. I called on XX/XX/XXXX and spoke to another representative. He explained that the back-end team was still working on the case and would in fact clean it all up and everything would be right within 5 days. I waited and then called today XX/XX/XXXX and had my worst call with a supervisor. He choose not to listen and said that everything on the recorded calls was wrong and that Citi has determined that I am at fault here and responsible. I told him there are multiple recorded calls with Citi employees advising me on what to do and stating they will correct Citi 's error, he refused to acknowledge the fact and said he would do nothing. I immediately told him I would be disputing the amount and needed the address to write the dispute to as well as informed him that an FTC complaint would be filed for failing to adhere to the laws and guidelines. He did not care and I closed my account with him and he was finished with me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94513
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: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XX/XX/2022 paid total amount due, {$200.00} On XX/XX/2022 company, Home Depot cashed my payment. Companies Closing Statement Date was XX/XX/2022. Home Depot kept my payment of {$200.00} and gave me store credit. AND ... ..... Turned me into collections, harming my credit score!!! I am aware of dates being close with transactions. BUT their billing cycle is 30 days and should have been picked up on XX/XX/2022. And a retaction should have been sent to XXXX, XXXX and XXXX. Want Home Depot to Retract Report Of Non Payment. So my credit score can be repaired by their False Accusation of non payment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 180XX
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: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Citibank issued a credit card to me after I applied for one. This card was allegedly sent to my mailing address on file. I never received the card. I checked my mailbox on the day it said it was delivered. The card was either taken out of my mailbox or was delivered to the wrong address. I have no proof that it was actually delivered. Someone else activated the card and started using the card on XXXX XXXX, the day it said that the card was " Out for Delivery ''. The card was charged almost 8 times at different stores within the 24 hours it had been activated. I'm very confused as to how the card was activated if they didn't have my social. It is my understanding that the last 4 digits of your social were needed in order to activate the card. I am very disappointed that Citibank has such loose security standards and that a complete stranger was able to activate my card. I have attached a picture of the bank statement which consists of charges that were not authorized by me. I have also attached the email notifying me that the card was out for delivery.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94607
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: Problem using a debit or ATM card
Consumer Complaint: I used my citibank debit card at XXXX. Soon after I received an email from citi bank asking me did i make the transaction and to confirm if it was me. I said yes and it said that my card was available to use again. Shortly after my account was locked, i couldnt use my debit card nor could i login online or view my bank statements. I called and they said a letter would be sent in the mail with a reference number. 7-10 business days went by and absolutely nothing came in the mail. I have been calling citibank for over a year now it is XX/XX/2022. And i still have been getting nonstop runarounds and transfers between departments only for them to tell me they arent the ones who placed the lock on my account. It is extremely frustrating not being able to have access to my account or my funds. I have not done anything wrong as a citibank client their business practices are UNETHICAL.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19047
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: 2022-11-02
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 sent in a complaint for a refund request due to a scamming investment that I did on my account. This person made me believe that I was going to be compensated to receive funds through his investment company if I was to invest in his company. So I borrowed out of my Citi Simplicity credit card account on approximately XX/XX/22 {$5000.00} and that scammer asked me to send him gift cards from XXXX XXXX and XXXX gift cards also from that money that I borrowed from my account to invest to his company. Then I also deducted {$2000.00} from my checking/savings account. I sent in a letter to Citi Simplicity on XX/XX/22 letter was dated XX/XX/22 telling them my issue and have not heard back from anyone regarding this issue. I asked to whom it XXXX concern to please reply to my letter and I have not received any reply to my concern since. I had to file fraud on all 3 credit bureaus close my accounts due to this and I filed a police report also. I have been a loyal customer for years with Citi Bank and also a credit card holder for many yrs now. I can't seem to get the help I need from your company
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91767
Submitted Via: Web
Date Sent: 2022-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-01
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: On XX/XX/22 my account was closed by Citibank without warning. Account XXXX They state that because of revolving credit limits being high they want to close my account. I have not once been late on any of my bills/credit card bills/mortgage, etc. All this can be seen in my credit report that they pulled.
Company Response:
State: AL
Zip: 35242
Submitted Via: Web
Date Sent: 2022-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-01
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Took out an initial line of credit in XXXX of XXXX, on a Home Depot credit card, for a home improvement project. Was told that the credit would be 0 % interest, for 24 months. Was charged {$700.00} in interested in XXXX, XXXX. Called Home Depot credit card company in XXXX, when I realized and asked for it to be fixed. Was assured it was their mistake, and would be fixed, to wait for credit to appear. Was never credit, and interest kept accruing. Called again on XX/XX/XXXX, and was told again, it was a mistake, and would be credited. Call was disconnected and called back. Made a second phone call, and was told I would need to have a store manager call to verify that I was offered 24 months interest free financing. Called store manager and waiting now to hear whether issue is resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 618XX
Submitted Via: Web
Date Sent: 2022-11-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-01
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: This summer, Brooks Brothers transitioned my store card to a XXXX. I had a certain amount of time to accept the offer and then the old card balance would be transferred and a new XXXX would arrive. On XXXX XXXX, I tried to make a payment on my store card, which was due XXXX XXXX. The balance was XXXX out. No payment was due. My replacement card was supposed to be sent on XXXX XXXX. I have not received it. Nor do I have the full account number to access details on the automated system. Yesterday, I received a bill saying the XXXX payment was past due and I was levied a fine. I logged in again last night and, again, my balance was XXXX out and no payment was due. I tried the number on the back of the card [ XXXX ] but that now funnels me into a line that says they are trying to collect a debt. I chatted with a customer service rep last night but that was no help. I do not know when I will receive information about the XXXX account, which appears to have been activated. And I can not reach a human being over the telephone. I took a screen shot last night that shows I am physically unable to make a payment. I should be able to make last month 's payment and future payments and I should not be charged a late fee or missed payment fee.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 212XX
Submitted Via: Web
Date Sent: 2022-11-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-01
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Did not receive any statements or phone calls from the store department credit card where I made a purchase of {$58.00} in XX/XX/XXXX. On XX/XX/XXXX I received a letter that might account might be permanently closed due to late payment. The balance now that I own was {$170.00}. I called the company and explained the situation. They said that in error I was enrolled in electronic statements and they never sent me any statements by mail. They agreed to waive one late fee of {$39.00}. I asked them to waive all late fees and wanted to pay my original balance of {$58.00} but they denied.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 074XX
Submitted Via: Web
Date Sent: 2022-11-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A