Date Received: 2022-10-19
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: In XXXX, I purchased airline tickets via XXXX. I even purchased travel insurance in case the flight had to be cancelled. I later received an email stating that XXXX cancelled my flight and that I would be reimbursed. The travel insurance I purchased through XXXX reimbursed me, but XXXX did not. I have spent countless hours on the phone with XXXX as well as Citi Card regarding this matter. I have given them all the information that shows that my flight was cancelled by XXXX, not me. I was reimbursed for the travel insurance. Citi Card, even after having all the information clearly showing I am not at fault, refuse to help me in the matter to get this resolved. These tickets were purchased to for my kids and I to see family after my husband passed away from XXXX. I had to repurchase the tickets through XXXX XXXX. Having to pay for XXXX 's error will be a severe financial burden on me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93314
Submitted Via: Web
Date Sent: 2022-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Fraudulently opened accounts multiple accounts none of them are minea
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77007
Submitted Via: Web
Date Sent: 2022-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-18
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I am a MA resident. I had a citi prestige card. On XXXX I was charged another year of annual fee {$490.00}. On XX/XX/XXXX I closed the account. Citi refused to refund pro-rated annual fee, which is against the massachusetts local law about annual fee partial refund policy. Part I Title XX Chapter 140 Section 114C " A cardholder may cancel his credit card agreement at any time during this period without penalty. If the cardholder cancels the agreement at any other time during the year, he shall receive a refund on a pro-rata basis of two-thirds of the annual fee. '' https : XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02155
Submitted Via: Web
Date Sent: 2022-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-18
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have contacted this company XXXX XXXX XXXX XXXX several times the last time being XX/XX/2022. I requested Validation of the debt they are trying to collect and they continue to send me an envelope full of billing statements. I requested an original contract bearing my signature. If you could please have this company supply a contract or something with my original signature so that I know for sure this is my debt. If they cant provide this information could you please have the remove all of this negative reporting from my reports. I have sent them proof that all three credit bureaus are reporting different information on this account so this further confuses me on this being my debt.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 293XX
Submitted Via: Web
Date Sent: 2022-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-18
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: On XX/XX/XXXX at XXXX I went to go send my friend some money through XXXX XXXX and my account got blocked after that and I have contracted Citi Bank XXXX times and they said that they can't verify my account via phone number and my phone numbers are on there since I opened this account and they also said that they sent a letter out with a reference number on it and I've been waiting for that letter for 3 weeks and I continued to call them about this issue and they also said that the sent out 3 more letters and I can't close my account because they need to verify my identity to have full access to my account so they can close it so I really need help with this issue and my checking account is still currently blocked and I can only see my savings account on the mobile app and not my checking account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MT
Zip: 590XX
Submitted Via: Web
Date Sent: 2022-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-18
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: There is no other way to put it but XXXX XXXX is being run by donkeys. Actually no offense to donkeys because they might have more brain than these idiots. They kept sending emails to try their new XXXX transfer service. And this is what happens when you try to use their XXXX XXXX service. I transferred $ XXXX to a linked account yesterday and XXXX XXXX has decided to debit that $ XXXX from the account twice and showing me that my account is overdrawn. I have an emergency today and I need to go see a doctor but I can't access the money. When I try to call XXXX XXXX it is like trying to talk to donkeys. First call, I get someone who is giggling and talking to someone else and wont even pay attention to the call. Then I get someone who says that XXXX XXXX has taken out $ XXXX twice from my account and that I need to reach out to them. These idiots aren't even able to recognize that this is a transaction imitated from XXXX XXXX XXXX own stupid website. Then finally I get a supervisor who says there is nothing she can do and I just need to wait till the end of the day hoping it will resolve itself. When you ask for someone higher up, their standard answer is that they are " in a meeting ''. These XXXX XXXX $ XXXX are habitual liars. So now I have an emergency and need to go see a doctor but I cant access my funds. I cant withdraw then from an ATM, I cant transfer them nothing. If the situation was reversed and I made a mistake and overdrew my account, these $ XXXX would have piled up fees after fees. I also initiated XXXX XXXX pulls from my external account yesterday ( for separate amounts ) debiting the money from $ XXXX and they have been rejected and I have been hit with 2 fees from that ban. All because XXXX XXXX can do some simple math. The worst part is that even after I have alerted them about this they are unwilling to fix it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07047
Submitted Via: Web
Date Sent: 2022-10-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-18
Issue: Problem with customer service
Subissue:
Consumer Complaint: For your awareness, I have already tried reaching out to the following three companies ( Citi, XXXX XXXX, and XXXX XXXX XXXX XXXX ) multiple times in attempt to resolve this matter. I am writing to dispute a charge of {$3900.00} to my Citi Sears MasterCard account on XXXX XXXX, XXXX. This was a balance transfer charge initiated through Sears Credit Card Services online for the purpose of transferring credit owed on my XXXX XXXX XXXX XXXX " More Rewards '' XXXX XXXX credit card to my XXXX XXXX. The charge is in error because the credit owed on my NFCU card was never paid down the corresponding amount of {$3900.00}, and no such payment or indication of transfer of debt has posted in my XXXX statements. At the time that I initiated my balance transfer request with Sears Credit Card Services, I entered the address for payment as [ XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX ], however I later learned from my bank that since they directly manage my XXXX XXXX XXXX XXXX the correct address should have been entered as [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX. I have tried to call Sears Credit Card Services to make this correction but was told the balance transfer was already processed and cashed by XXXX XXXX. However, representatives from XXXX XXXX credit card customer services have informed me they have no way of investigating this matter because I have no account at all with them since it is managed by my XXXX XXXX XXXX XXXX bank ( so if XXXX received the check, they presumably could do nothing with it ). XXXX has no record of the transaction themselves which they have attested in writing. As to my knowledge, my XXXX XXXX XXXX account number was entered correctly at the time of my submission of a request for balance transfer. Attached are the memo concerning and copy of the check Citi sent to XXXX XXXX, delivered to me as proof they had sent a check out, as well as a statement from XXXX XXXX XXXX XXXX attesting that the balance transfer check of {$3900.00} was never received. I've also included my statement of acknowledgement from Sears to begin a balance transfer, and my Sears account XX/XX/2022 statement showing the new credit owed of {$3900.00} as of XXXX XX/XX/2022.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21061
Submitted Via: Web
Date Sent: 2022-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-18
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 second complaint 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.
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: 2022-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-18
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: XX/XX/2022 Amount : XXXX ( Did honor balance transfer ) Citibank issued me a check in my XXXX of XXXX statement. The check was to transfer a balance from another charge card. The apr 0 % for 12 months. Also, I received guidelines how the check was to submitted and I called Citibank to ensure I complete it correctly. I did that on XX/XX/2022. 1. CitibankXXXX XXXX I spoke to three customer representative and the third one finally told me how to complete the check ( from Citibank ). 2. XXXX XXXX I completed the check the way the Citibank representative have informed and mailed it to XXXX. 3. XXXX XXXX Citibank didnt pay the check. 4. I called Citibank XXXX, XXXX to fine out why they didnt pay the check. A. I spoke to XXXX and she said because my account wasnt eligible for the offer. So, I asked to speak to her manager. B. The manager said the account wasnt activity. So, I asked to speak to someone higher up. C. XXXX of the manager ( XXXX ). She said the previous representatives told me the incorrect reasons and she would complete a dispute report to find out why the check wasnt paid. She completed the report and she would call me XX/XX/XXXX, at XXXX XXXX. She never called me back. 5. XX/XX/XXXX, I called Citibank and I spoke to XXXX she said the check wasnt paid because offer was for new account only. I told her in the XXXX statement information didnt state that. She said she would write that information on my dispute report. 6. XX/XX/XXXX, I called Citibank to check the status on the dispute report. A. Spoke to XXXX in the dispute department and she said the check was completed incorrectly. I asked to speak to her manager. B. XXXX was the manager and he said the reason the representative gave me was incorrect. He told me to call XXXX to see the reason why Citibank didnt pay the check and to call XXXX with the reason. He also said a dispute report had never been completed and he would complete one. 7. XX/XX/XXXX I called Citibank with the information. I spoke to XXXX and he said, didnt see anything in my file and no dispute report was in my file.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48507
Submitted Via: Web
Date Sent: 2022-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-18
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act, this creditor has violated my rights under 15 usc 1681 section 602 states I have the right to privacy. 15 usc 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. under 15usc 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,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33321
Submitted Via: Web
Date Sent: 2022-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A