Date Received: 2022-10-22
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28658
Submitted Via: Web
Date Sent: 2022-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-22
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I started being frauded on XX/XX/XXXX XXXX for XXXX at Best Buy in XXXX New Mexico. I was not aware of being frauded until I received a notification from XXXX XXXX of a balance increase on my best buy card. So, I contacted customer service and found out there was 2 other transactions purchased at the same store in XXXX New Mexico. I informed them I live in XXXX Arizona, and I did not make these purchase. They said they were going to start a fraud investigation and I would not be responsible for this purchase. I received a letter stating they were permanently shutting down my account and I owed XXXX and turned me into the credit bureaus for 30 days no payments. I have contacted Best Buy and Citibank to correct this issue and they say it have been taken care of and it has not. I have been marked on my credit report to a 30 day no pay and closed my account for being a victim of fraud. I am asking for help to resolve this outstanding balance that I am not responsible for and to fix the credit reports they have marked negatively.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85207
Submitted Via: Web
Date Sent: 2022-10-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-21
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: Proof of copy of original application that includes my signature, Full payment history from original creditor, original agreement showing they can legally collect the debt. If cant proof all 3 delete this account from credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07050
Submitted Via: Web
Date Sent: 2022-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-21
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Citibank is not honoring their cash bonus on new accounts Opened account on XX/XX/2022 Deposited $ XXXX to benefit from $ XXXX cash bonus as advertised. I have maintained this balance since XX/XX/2022 and beyond the 60 consecutive days as required by Citibank Citibank should have deposited the bonus within 90 days and has failed to do so. I called Citibank in XX/XX/2022 and they confirmed that the bonus would be credited within the 90 days I called again today XX/XX/2022 and Citibank now claims that " no promotion is attached to the account ''
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33155
Submitted Via: Web
Date Sent: 2022-10-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-21
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Last XXXX I got a call from Macys they started charging me XXXX dollars for a items I never bought I tell them this is a fraud I never bought anything they started to investigate the dispute they took to XXXX i as going and back with phone calls or letter they doesnt accept my dispute finally I payed because this causes more stress I tell them I dont want to hold any credit cards with them they said theyre going to closed but I dont go to be allow to open any other credit card with them in the future I accepted the condition. I was going in recovery from a big XXXX. XXXX XX/XX/2022 I got a report in my bank account i was behind in some bill. I check out in the report the problem coming from Macys again I call them I tried to explain to the car I dont have any credit ca d with them and they insisted. Have one and I did a purchase for XXXX dollars supposed I did the purchase XX/XX/XXXX in XXXX XXXX XXXX. I never bought anything this person tell me Im going n dispute I ask for closed the supposed credit card have it they tell me they closed I ask to send an email with the approval of this credit card is closed they did do it. Call back after 5 hours talked again with car she tell me the last person doesnt sent it any thing because they didnt closed the credit card the second CSR she did closed the credit card send this charge to dispute but Im worry because is the third time Im having problems with Macys and this company open credit cards to my name I never got it and never used. Please I need help with this company is terrible theyre trying to charge me for some stuff I never bought. Thanks you for your help
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 980XX
Submitted Via: Web
Date Sent: 2022-10-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-21
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Back in XX/XX/XXXX I made XXXX payments on my Citi XXXX card in the amount of {$25.00} & {$40.00}. The {$25.00} payment was paid manually on XX/XX/XXXX while the other payment of {$40.00} was taken out on XX/XX/XXXX. I had honestly forgot to cancel the the autopay payment of {$40.00} bucks. By the time I realized what happened the payment was taken & my checking account didnt have enough funds after the XXXX of XXXX because this account is set up to pay specific bills so theres a certain amount of money in this account. Realizing what happened I called Citi and spoke to a representative & asked for the {$25.00} payment back to cover the {$40.00} auto payment which normally gets taken out my checking account in 3 days. I also added money to my checking account just to make sure the payment was covered for XXXX. But that didnt happen because I was hit with a return check fee of {$20.00} bucks & then after that happened it just seemed as if Citi was just out to target my Citi XXXX card. In XX/XX/XXXX I received a letter from Citi stating my account is closed. XX/XX/XXXX to be exact I also have it in the attached documents. I really didnt understand why my account would be closed over a return check fee & a missed payment so thats when I called and spoke to a Citi representative in which the representative did an application to reopen the account. The account was never reopened and I received a letter on XX/XX/XXXX saying were unable to reopen your account & that letter is also in the attached documents. Also I made a payment of {$40.00} on XX/XX/XXXX, so I made up for XXXX & while paying XXXX bill even though my account was closed for NO REASON. I say NO REASON because this is the ONLY year which I had issues with my Citi account. I received XXXX return check fee & missed XXXX payment does that mean my account should closed the next month? Ive had this Citi account for at least 5 years never missed a payment and this is how my account is treated? Its RIDICULOUS & annoying because it took no time for Citi to close my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10026
Submitted Via: Web
Date Sent: 2022-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-22
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: This complaint is regarding Citi 's dispute review process. I have submitted a cfpb complain about Citi 's handling of this case before, this is a complaint about the resolution of said case that I believe is unfair. Citibank has not followed their own dispute policy and I would like to compensated fairly. As a recap, the original cfpb complaint ( XXXX ) was about Citi 's extremely long review process of a dispute a made. In XX/XX/XXXX, I booked a flight using my Citi Prestige Card. That flight got cancelled due to the XXXX war. I have contacted the booking agency for a refund which did not return my calls nor answer my messages. I later disputed this charge with Citi. I filed my dispute in XXXX XXXX. On XX/XX/XXXX I got a letter from Citi requesting evidence for my case ( XXXX ). I emailed evidence on XX/XX/XXXX, which included my canceled flight and my messages with the merchant that remained unanswered. After months of waiting and multiple demands for an update my case remained unresolved. I submitted a complaint to cfpb on XX/XX/XXXX which prompted a quick response from Citi Executive Response Team on XX/XX/XXXX which closed the case an offered a {$200.00} credit which is less than 20 % of the disputed amount. I have once again contacted Citi for an explanation, a billing disputes representative said that Citi agreed that my evidence for services not being delivered is overwhelming and that they even attempted a chargeback for my transaction which merchant refused, however, Citi in its turn refused to provide to me merchants justification for refusing the chargeback. Citi claims that at this point theres nothing they can, merchants can refuse chargebacks and I wont be getting my funds back. The XXXX billing disputes representatives I talked to over the phone both agreed that this isn't the result they would have expected and that this sort of adjudication is unusual, normally these sort of cases are straightforwardeither merchant provides a reason for refusal or Citi issues a refund. I believe that it is extremely unfair for Citi to be passing this cost to the consumer just because they can't recover funds on their end. I use my Citi card with the expectation that I am protected and can rely on Citi to refund me my money if the merchant is fraudulent or acting in bad faith as it's clearly the case here. Citi representative attempted to talk me out of pursuing this claim further, suggesting I reach out to other agencies, try contacting the merchant again, reach out to XXXX, or even credit bureaus. I believe these are attempts to deflect responsibility which consumers like myself expect from them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94107
Submitted Via: Web
Date Sent: 2022-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-22
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: First issue : Following an advertisement I saw online for a new bank account bonus at Citibank, I opened an account on XX/XX/2022, signed the new client documents with docusign, and deposited {$50000.00} in the account writhing XXXX days of opening the account ( as required by the offer ). XXXX days after that XXXX day post account opening, I earned the {$700.00} bonus. The agreement said I would be paid the bonus within XXXX days after I earned the bonus. I submitted a XXXX as required by the offer to receive the bonus. XXXX days was around XX/XX/XXXX. It is XX/XX/XXXX and I still have not received the bonus. I have spoken to Citi and used their chat function many times in the last few weeks. The customer service reps have provided conflicting information and also information that contradicts the paperwork they sent me and the advertising disclosures ( which I have ). Most recently, a rep told me on the phone on XX/XX/XXXX that I would be paid the full {$700.00} bonus on the XXXX. I still havent received the bonus. Second issue : A previous rep on their chat system said I had not earned the {$700.00} because my account went below {$50000.00} for a month. This is false. I had moved {$10.00} from the savings account to the checking account so it would not be closed. The term of the deal said the amount on deposite is the aggregate if both accounts. However, I noticed that Citi has been deducting federal tax withholding from the savings account every month. They should not be doing that. I provided my SSN when I opened the account so they should give me a XXXX after they pay the bonus but there is no justification for them witholding. Additionally, they started withholding BEFORE they paid any interest into the account and they apply the witholding before they debit the monthly interest on the account. If theres no interest income, how can their be tax withheld? And wouldnt the interest income always exceed the withholding such that the balance in the account would never go below the initial deposit? When I asked a Citi employee about it, he could not provide a reason why they were witholding taxes. Seems like a ploy to disqualify people from the bonus they earned. Third issue : just an FYI to anybody else who does a CITI offer. If you ask customer service reps whether you can withdraw your funds after youve earned the bonus, some of them will say you have to leave it with Citi until the bonus is paid ( clearly wrong and not required by the agreement but nice for CITI to hold your money XXXX ). Others will say its totally fine to withdraw the funds after youve earned the bonus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60637
Submitted Via: Web
Date Sent: 2022-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-22
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On XX/XX/XXXX, Citi bank closed my credit account without reasons. I have called the Citi Bank several times about the annual fee charged to my account. All representatives said the annual feel would be refunded. However, Citi bank did not refund me the annual fee as of today, XX/XX/2022.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-20
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 returned a car to XXXX, XXXX. Little was I prepared for the fraudulent shakedown I was about to receive from XXXX rental ( which is well attested on their internet reviews ). The clerk " found '' scratches and dings he said were not present before my rental and charged me {$1100.00}. In disputing this transaction with citibank costco visa officials I was told that the fraudulent merchant must agree to reverse the charges and that the matter was out of their hands. What a way to run a dispute -- - give all the power to the fraudsters! When I also pointed out that this card is supposed to carry car rental insurance I received no response. When repeatedly asked to please contact me directly to discuss details at no point was I personally contacted. I recommend avoiding citibank cards until they get their house in order and stand by their customers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94025
Submitted Via: Web
Date Sent: 2022-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A