Date Received: 2022-10-27
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Home Depot issued me a credit card with a {$8500.00} limit. On XXXX without cause, I received a letter stating they decreased my limit to {$6300.00}. I was in a middle of a major renovation project and when they decreased my limit, the project had to come to a stop because there was no available credit on the card. I immediately contacted Home Depot as I always paid on time, made additional payments, often paid the balance off in full, and was never late. They agreed this was an oversight and they then increased my credit back to {$8500.00}. A few months later they increased my credit limit to {$11000.00} as we started another major renovation project. Then on XXXX, I again received a letter stating Home Depot decreased my limit to {$8900.00}. Once again, our renovation has come to a complete stop because they decreased the limit to having only {$49.00} in available credit. Most importantly, every time Home Depot decreases my credit limit to the balance owed, it negatively effects my credit score.When my credit limit is dropped to the balance owed, it then shows I am using 100 % of my available credit. This unfair trade practice dropped my score XXXX points each time Home Depot did this. This is an unfair practice because as mentioned above, I always paid on time, made additional payments, often paid the balance off in full, and was never late. In fact, this is true for all of my lines of credit- nI have an exceptional pay history! It is extremely difficult and takes a lot of time to build credit and its is unfair that a credit card company can decrease my credit limit and damage my credit score. Home Depot should be held accountable for damaging my credit score!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97504
Submitted Via: Web
Date Sent: 2022-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-28
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Citi bank closed my checking account around XX/XX/2022. Upon enquiring, I was told by citi bank teller that they no longer had access, yet I would be getting a letter in 30-60 days, along with a check of remaining funds.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90015
Submitted Via: Web
Date Sent: 2022-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-26
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Contacted citibank in XXXX for a XXXX order of XXXX. Provided all information and advised citibank that I am going away on vacation. I messaged the vendor as well who never responded. Citibank credited my account on on XX/XX/XXXX for the amount because the vendor provided them with a rebuttal. I never received the parcel as the vendor never sent it intil I advised I'm on vacation. I provided tracking information and screenshots. Citibank advise to send information for an appeal which I sent. The managers advised there is nothing needed to be done on my end after providing me with a provisional credit for the second time. I was advised by a manager name XXXX who stated that they will utilize the email i sent to disputes department. Citibank refuses to utilize the information given. I call for an update and they advise to pay more money to fax information already sent to XXXX. Citibank also unlinked my accounts for no reason which caused me to make a complaint. Citibank is fraudulent and appeals don't work as I have proof from management that they will always take the first determination and not utilize any proof provided.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11203
Submitted Via: Web
Date Sent: 2022-10-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-26
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Hello, I opened a secured credit card with Citi in XX/XX/2020. I was told that by putting down a deposit of {$200.00}, they would extend a line of credit of {$200.00}. They said as long as I kept my account in good standing and built credit, they would convert my card to a standard credit card within a year and refund my {$200.00} deposit. A year came and they decided to not refund my deposit. They said to wait until the XXXX month mark. I did. When that time came, they said to wait again and they would refund my deposit. It has now been XXXX XXXX years since opening the account. I have raised my credit score XXXX points to XXXX, I have nothing in collections, I kept my account in good standing, never went over my credit limit, never missed a payment, I worked extremely hard to get good credit. They are still refusing to give back my refund. I asked why they refused but they just gave general information saying it is based on the account and on my credit. All of those have been in good standing. They refuse to return my deposit unless I close my account. I don't want to take a hit on my credit report by closing the account. It looks like they are taking advantage of me and took my deposit under false pretenses. I have the Citi secured mastercard. I spoke to customer service last today over their chat feature.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-26
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: IN ACCORDANCE WITH THE FAIR CREDIT ACT THIS CREDITOR HAS VIOLATED MY RIGHTS UNDER 15USC1681 SEC 602 STATES I HAVE THE RIGHT TO PRIVACY 15USC1681 SECTION 604A SECTION 2 UNDER CONSUMER REPORT AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTION UNDER 15USC1666B A CREDITOR MAY NOT TREAT A PAYMENT CREDIT CARD ACCOUNT UNDER A OPEN AND CONSUMER PLAN LATE FOR ANY PURPOSE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2022-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-26
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: My name is XXXX XXXX XXXX and I currently have a Macys American Express charge card. On XX/XX/XXXX I was charged {$10000.00}. XXXX without my consent nor approval. My minimum payment was charged on XX/XX/2022. I called immediately after finding my debit card was charged 2 times by Macys and they apologized for the error on their end. They told me it would take up to 8 days until I received credit back to my account. I have my mom taking XXXX and under going XXXX XXXX but this charge took me by surprise. I understood that this was going to be fixed and nothing further was needed. When I took my mother to her appointment 3 days later, to buy her meds and apparatus for my home I find out the another payment was taken out. I called immediately to get the issue resolved and they gave me the same answer. As Im getting ready to refinance my house to make sure I have enough funds to help my mom battle XXXX, again other payment was taken and I was rejected for a refinance. I had to take a loan because Macys took over {$31000.00} in XXXX month and handicapped me to buy her supplies. Im heartbroken that I told my mom to wait until I cleared things up. I have called numerous of times and now I have to continue to wait. I wanted to go to contact the press with this and hire an attorney but I have hopes you guys will make things right. My work check was bounced back, I cant transfer funds to my account because of the huge amounts being taken out, and now I cant refinance my property with this unjust statements showing me in the negatives. This has caused me disciplinary actions at my Job, Im forced to take FMLA due to the time I had to take to settle this issue, my mental health is not there and I dont know why this is happening all at once. Can someone please call me XXXX or email me at XXXX? I wont be back to work until next month because of the FMLA. This is unfair and unjust. My Macys card has AMEX printed in the bottom and Amex would not treat people this way. LAST XXXX of my macys American express card is XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: RI
Zip: 02914
Submitted Via: Web
Date Sent: 2022-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-26
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XXXX XXXX XXXX I tried to XXXX XXXX and Citi Bank found it supicious and blocked my checking account. I called immediately and according to them because the number on file is under another persons name they can verified my identity. Ive told them is my number and if they want they could have call me or send me a text with a code or something so, they just hang up on me several times but I cant still access my account no ones give me a solution. I have recorded it few of the calls and still they keep hanging the phone on me. I also ask them how do they determine is not me if I have gave them my SS #, DOB, address etc! They say that they go through public records to verify the number account holder therefore they can see is not under my name. For me is absurd because when I opened the account this was the number I used since they one. I believe this is illegal especially if they dont give me a solution to the matter. Right now still cant access my checking account but I can use my savings. I need help asap. Thanks,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10032
Submitted Via: Web
Date Sent: 2022-10-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-26
Issue: Loan payment wasn't credited to your account
Subissue:
Consumer Complaint: I have a personal loan with Citibank and this is the third complaint about the bank not crediting my payments. They failed credit my payments for the month of XXXX. I paid {$220.00} on XX/XX/2022 and {$220.00} on XX/XX/2022. Payment for this month is due on XX/XX/2022 in the amount of {$430.00}. My payments should satisfies this month however, they are saying Im pass due for {$210.00}. Please assist
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 100XX
Submitted Via: Web
Date Sent: 2022-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-27
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: Citi Credit Cards advertise compliance with federal laws pertaining to the allocation of payments made to balances owed at differing interest rates. Citi 's terms of service state that, " The minimum payment is first applied to any interest charges, late fees, and past due amounts ( if applicable ). The remaining portion of your minimum due will be applied to the balance with the lowest interest rate. Any amount paid over the minimum due, will be applied to the balance with the highest interest rate. If you have more than one balance at the same promotional interest rate, and no other balances at a higher interest rate, the payment is then applied to the promotional offer that expires first. '' In practice, payments made that exceed the minimum amount due are not credited or " allocated '' to the highest interest rate. Citi advertises a remedy to this issue on their website : contact customer service and request the payment be reallocated to the highest interest rate. There are issues with Citi not automatically applying payments to the highest interest rate balance after the minimum payment has been satisfied. 1. Customer service is unaware of this issue and lacks the authority to reallocate the payment. 2. My wait time between requesting the reallocation ( XXXXXXXX XXXX ), being transferred to a supervisor ( XXXXXXXX XXXX ), the supervisor responding ( XXXXXXXX XXXX ), and then receiving confirmation that Citi incorrectly applied the payment ( XXXXXXXX XXXX ) exceeded one hour. This is an unreasonable amount of time to spend correcting an issue for which I am not at fault. At scale, Citi 's practice of not applying payments that exceed the minimum amount due first to the highest rate balance is likely costing consumers millions of dollars in interest. Citi 's advertised remedy of contacting customer support to get the payment allocated correctly ( XXXX Citi 's terms and conditions and federal law ) is unreasonable for the average consumer, and - at scale- is likely wasting thousands of hours of consumers ' time and discouraging them from holding Citi accountable for how it applies payments made that exceed the minimum balance. Lastly, when Citi discovered the error, there was no mechanism to ensure the error was fixed " globally '' ( company-wide ). The errors are simply corrected as consumers report what they have discovered. The same error can occur month after month. Citi will continue this predatory practice without intervention from an authoritative source.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: XXXXX
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 lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I recently realized that my Citibank checking account was being fraudulently debited for a period of about 10 months. From XX/XX/XXXX through XX/XX/XXXX my account was debited for a total of {$25000.00} from four different merchants ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). All charges from these merchants were fraudulently debited as I have never authorized any debits from any of these merchants. I first noticed these unauthorized charges on XX/XX/XXXX and immediately contacted Citibank to inform them and to dispute these charges. Citibank also informed me at that time that the charges from these four merchants originated with one person by the name of XXXX XXXX. Ive had this checking account at Citibank for more than 30 years. During the course of this time, I have never had any cause for concern with regard to fraudulent use of my account and therefore very rarely checked the activity on the account. The only debits to my account that I have ever authorized were for credit cards, mortgage and insurance payments ( auto, life and health ) and a very limited number of other charges almost all of which were debited on a regular monthly basis. From the time these fraudulent debits began on XX/XX/XXXX, debits were being made every few days. Despite the fact that this was a sudden and obvious departure from my regular, authorized debits, Citibank did not flag or question this nor was I notified by them of these new, frequent charges. Additionally, even though I notified Citibank on XX/XX/XXXX about these fraudulent charges and asked that these four merchants be blocked from debiting my account, nonetheless Citibank still allowed more debits from these same merchants on XXXX, XXXX and XXXX. To date Citibank has reversed a number of these charges and has credited my account for a total of {$11000.00}. I am requesting that they credit my account for the remaining amount of {$13000.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11367
Submitted Via: Web
Date Sent: 2022-10-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A