Date Received: 2022-10-27
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I closed the account via phone call with a live rep on XX/XX/2022. I paid the full balance which took me to zero. Since then the company has continued to charge me some type of fee and it is reflecting on my credit every month. I need it removed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 366XX
Submitted Via: Web
Date Sent: 2022-10-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-27
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I visited the store XXXX and the staff said nothing they can't do. So XXXX called BEST BUY to get my lap top 'total tech ' refund and called them XXXX and they hang up. Called another number and said couldn't help. It has been XXXX XXXX since i canceled the extended warranty. I want to BEST BUY to either refund the whole {$390.00} or extend the warranty to XXXX XXXX for XXXX device. I purchased the extended warranty thru the BEST BUY credit card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32822
Submitted Via: Web
Date Sent: 2022-10-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-27
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: In XX/XX/2021, I opened a checking account with Citibank. I had did a transfer of {$5000.00} from my previous bank to Citibank. Soon after Citibank chose to close my account towards the end of XX/XX/2021. They advised me that they will be sending me a check for my remaining balance which is {$5000.00} within 90 days. After 90 days I did not receive any check from Citibank I have called them almost 3 times a week, leading up to today. They have given me the run around, Ive been hung up on multiple occasions, I have been promised that they will be mailing out a replacement check but to no avail. Its been XXXX XXXX yr since they closed my account and I have not received my money of {$5000.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92583
Submitted Via: Web
Date Sent: 2022-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-27
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 COMPLAINT ID XXXX was issued by Consumer Financial Protection Bureau ( CFPB ). Since then, I have been working with Citi Cards to resolve the billing disputes. There are 3 billing disputes with the XXXX XXXX XXXX. On XX/XX/2022 Citi Card Case XXXX was resolved for the amount {$420.00} and {$420.00} was made to permanent credit to my Citi Card ending in XXXX. On XX/XX/2022 Citi Card dispute resolution team uploaded documents to my online Citi Card account for two other cases for XXXX XXXX XXXX Citi Card Case XXXX for {$610.00} and Citi Card Case XXXX for {$500.00}. The document that has been uploaded for Citi Card Case XXXX for {$500.00} is the wrong document. The document belongs to Citi Card Case XXXX for {$610.00}. In short, Citi card has uploaded the same document twice for two separate Citi Card cases. I have informed Citi Card to remove this wrong document for Citi Card Case XXXX from my online account and email me the right document. But thus far Cit Card has not removed the wrong document from my online account and also again emailed me today the wrong document for Citi Card Case XXXX. Citi Card continues to promise me that they will provide me with the correct merchant response for Citi Card Case XXXX but thus far has been unable. Without providing me with proper merchant response Citi Card put the charge back to my account. Please instruct Citi Card to provide proper merchant response for Citi Card Case XXXX. Until the merchant response is provided to me, till then {$500.00} should be removed from my Citi Credit Card account ending in XXXX. Thank You.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11378
Submitted Via: Web
Date Sent: 2022-10-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-27
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: XXXX months ago, a payment was missed on my Citibank credit card, and a penalty interest rate of 29.99 % was swiftly applied. I called immediately to set up automatic payments in order to avoid any future oversights, and was informed tat that time that the penalty rate would be eligible for removal following 6 months of consecutive on-time payments. XXXX consecutive on-time payments have since been made, however, the penalty APR has remained in place. When I called last week to request removal of the penalty APR, I spoke to XXXX different representatives, via XXXX distinct channels ( phone, chat ). Each first line representative parroted a similar response, and that response was : " I'm sorry, while you are eligible for removal of the penalty APR, I do not have that option available to me yet in the system. You are welcome to check back in after periodic review to see if the option generates at that time .... '' No clarity was provided as to when " periodic review '' would occur, or at what cadence it should occur. Given that I had been eligible for removal of the penalty rate for XXXX months, an *effective* periodic review process should and would have caught this without the need for me to intervene. Not only did the supposed periodic review fail to rectify the situation, but it seems that the standard procedure is engineered to wear consumers down, or encourage them to try later. This strategy is likely quite effective for Citi, as many consumers may not have the time, energy, inclination, or knowledge sufficient to escalate effectively. I will include screenshots of a chat conversation which demonstrates how difficult Citi is making it for consumers to address penalty APRs that are eligible for removal. You will see that several requests made by me for escalation were met with " You are welcome to call back after periodic review, please let me know how else can I help you today?, '' or something equally unhelpful. After XXXX more points of contact via phone that same day, and a relentless persistence on my part to demand escalation, I was finally able to get the rate reverted back to the non-penalty APR of prime plus margin. However, the level of resistance and avoidance I encountered from multiple Citi employees was unacceptable and clearly indicative of an abusive procedure whereby Citi is applying penalty APRs expeditiously, and then leaving them in place well after the consumer is eligible for removal, and possibly as long as they can to continue to generate more interest income. I am certain that if this happened to me, it is happening to many other consumers, and Citibank needs to be held responsible for its clear failure to adhere to regulations in place to protect consumers. The Credit Card Act of 2009 says that if a credit card company can increase your interest rate based on market conditions, your XXXX XXXX, and other factors such as payment history, it must also consider those factors when deciding whether to lower your interest rate. Further, the act requires card issuers to review such accounts every 6 months at a minimum, and if the factors have changed in the customer 's favor, the card issuer is required to lower the rate. With respect to penalty APRs, the regulation states that rates must be reduced if a penalized customer makes XXXX consecutive on-time payments. As a result of the failure to remove the penalty APR as expeditiously as it was applied, I have paid more than {$2000.00} USD in interest over the past XXXX years. This amount represents only interest beyond what would have been incurred by my non-penalty XXXX given the balances held.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30115
Submitted Via: Web
Date Sent: 2022-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: In accordance with the Fair Credit Reporting act. The list of accounts has violated my federally protected consumer privacy and confidentiality under 15 USC 1681. Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX XXXX Account # XXXX 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 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. Theses companies and accounts have been going against my rights and violation as a consumer this is unconstitutional I am asking that theses accounts be investigated and deleted off of my credit report immediately. I do Not owe theses debts and i am requesting a cease and desist immediately
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 441XX
Submitted Via: Web
Date Sent: 2022-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-27
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting act. The list of accounts has violated my federally protected consumer privacy and confidentiality under XXXX XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX Account # XXXX Account Name THD/CBNA Account # XXXX Account Name THD/CBNA Account # XXXX XXXX XXXX XXXX XXXX XXXX A. States i Have The Right To Privacy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : it also states a consumer reporting agency can not furnish a account without my written instructions. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX. XXXX XXXX XXXXXXXX ( A ) ( XXXX ) 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 XXXX XXXX A ( I ) states a report should only contain information solely as to transactions or experiences between the consumer and the person making the report XXXX XXXX XXXX ( b ) ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Theses companies and accounts have been going against my rights and violation as a consumer this is unconstitutional. I have rights and THD/CBNA has violated them all they sold my information to a XXXX party service XXXX XXXX XXXX XXXX without consent and I am being XXXX and denied by banks and extension of credit for a debt I do not owe or have been proven I owe I also understand if a company is reporting a charged off account to your credit report a XXXX must be flied I haven't received any tax returns from this company I am asking that theses accounts be reinvestigated and deleted off of my credit report immediately. I do Not owe theses debts and I am requesting a cease and desist immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 441XX
Submitted Via: Web
Date Sent: 2022-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-27
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Citibank offered a personal and unsecured loan for {$11000.00} in XX/XX/XXXX. Mid XXXX I had problems paying off and Citibank eventually sold the debt to XXXX XXXX XXXX which unknowingly sued me and won a judgement in their favor. Ultimately, they turned collection over to XXXX XXXX which I paid in full {$16000.00} dd XX/XX/XXXX. Judgment has been released by the XXXX XXXX dd XX/XX/XXXX ( copy attached ). I have several times tried to dispute the open balance Citibank still reports as late as XX/XX/XXXX in the amount of {$7800.00} to XXXX credit bureau with XXXX but Citibank rejected my dispute and false. I have also asked Citibank via certified mail to correct this error by XX/XX/XXXX but they have not replied.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11221
Submitted Via: Web
Date Sent: 2022-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-27
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: At XXXX XXXX on XX/XX/22, Citibank sent me messages to ask if I authorized 2 transactions with the total of {$100000.00} that happened earlier of XX/XX/22. At XXXX XXXX on XX/XX/22, I saw these messages and relied back " 2 '' ( It meant that I didn't authorize for these transactions ). Then, I received a message that ask me to call number XXXX to report the fraud ( it is the direct line of Citibank 's Fraud Serving Unit ). I called the provided number to report about the fraud. I was panic during dates after I discovered about the incident, and English was my second language. I confused about the questions and answered things that were unrelated to Citibank 's account during the first interview with Citibanks investigator. I contacted Citibank many times to explain about the confusion, and I am willing to cooperate and provide supports for my statement if Citibank requests. However, Citibank 's investigator didnt talk to me or ask me for any supports. On XX/XX/22, I submitted following documents to Citibank : ( 1 ) the restatement that I didnt provide my information to anyone, didnt click on any scam links, and didnt let any third party to access my computers ; ( 2 ) the police report ; ( 3 ) the screenshot of Citibank 's message alerts about the fraud transactions and ( 4 ) the screenshot that I notified Citibank that I didn't make these transactions from my phone ; ( 5 ) the screenshot of my offer on XXXX XXXX XXXX that created the XXXX XXXX notification email and made me think that the XXXX XXXX email was a scam ( But it actually a valid email from XXXX ) ; ( 6 ) May XXXX XXXXs bill to show that I didn't have any scam calls. Please note that this Citibank account was barely used for many years. There are only couple transactions per month, and most of them are recurrent transactions. I mainly used it as the saving account. I have a bank account with XXXX to use for my daily basic and access to this account more frequently. But until now, the XXXX account still has no fraud transactions although I used the same computers to access for both bank accounts. Moreover, the incident is abnormal in amount ( it wiped out my account from more than {$100000.00} to {$200.00} ) and in type ( it was wire-outs transaction to personal account, not organizations ), but Citibank didn't give me any chances to prevent it from happen. Citibank sent me the alert, and I already responded that I didn't make these transactions. But money was still wired out. I trusted Citibank and gave my money to Citibank. Then, Citibank gave my money to someone who I dont know without giving me any chances to prevent the fraud transactions. The bank had the protocol that an alert sent to me, but they didnt wait for my response. After the incident, the bank refused sharing with me that ( 1 ) how the bank thought I provided my information to someone, ( 2 ) why the transactions were completed when I already notified the bank that I didnt make these transactions, ( 3 ) if the bank investigated on the party who received money. Citibank didn't show any protections to its customers
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95122
Submitted Via: Web
Date Sent: 2022-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-27
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Citibank put a hard count on my credit report and I have never reached out to them for credit. This put a negative mark on my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 64012
Submitted Via: Web
Date Sent: 2022-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A