Date Received: 2022-10-17
Issue: Unable to get your credit report or credit score
Subissue: Other problem getting your report or credit score
Consumer Complaint: Citi credit has failed on multiple occasions to report my financials to the credit bureau. This is adversely affecting my ratings. According to Citi 's policy, a report should be made on the XXXX of every month or at least at the end of my billing cycle which is the XXXX of every month. On XX/XX/XXXX, I called citi to advise that my credit needed to be reported as soon as possible as I am working on a time sensitive issue. After seeing no changes, I called Citi on the XXXX to see if I had misunderstood anything in their policy. I was told that a report would be made by midnight. On the XXXX, after seeing no changes, I made a call to citi again on this matter. I do not believe I received a coherent explanation. It is XX/XX/XXXX, and my XXXX report from Citi is still reflecting an outdated report of XX/XX/XXXX. XXXX has told that they have not received anything from Citi. In these rapidly changing financial times were time is of the essence, I plead that credit institutions should be accountable for either their dereliction of duties or complacency. I hope that CFPB can do something about this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85043
Submitted Via: Web
Date Sent: 2022-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-17
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: Hi, I have closed a dispute on my account, and I received an email from the merchant indicating that they have reached out to my credit card to close this case in my favor and they no longer will charge my account for this order. However, the bank has reversed it, and I still see the charge posted on my bank account. I have reached out to the dispute department of my bank serval times, and I was told there is nothing they can do since I closed the dispute. Thank you so much for your assistance with this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21060
Submitted Via: Web
Date Sent: 2022-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-17
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I was a victim of a scam. I attempted to explain this to the card company before the payments were behind and the were rude, non-believers, and made fun of the situation. Now I am getting an extreme number of calls from them, over 50 so far just this month. It's XXXX XXXX and they've already called 4 times today. I feel completely and totally harassed by them and they are causing me extreme XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 451XX
Submitted Via: Web
Date Sent: 2022-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-17
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 XX/XX/2022 I ordered two pairs of sandals from XXXX XXXX, owned by XXXX ; they were charged on my Citi Bank MasterCard # XXXX. I returned both pairs for credit on XX/XX/XXXX. When I saw on my statement only one pair was credited I contacted Citi ; they stated that XXXX received only one pair. I have been going back & forth with Citi numerous times since XXXX. I sent them copies of receipts from XXXX as well as copies of the two prepaid return shipping labels provided me by XXXX. I asked both Citi and XXXX to use the tracking numbers to verify, XXXX related to Citi that they only receied one parcel. Citi states the case is closed. I do not know whether either party used the tracking numbers. So I tracked them myself. I have tracking numbers printed by XXXX showing that I returned both parcels on XX/XX/XXXX and XXXX received both pairs on XX/XX/XXXX. I have sent copies to both parties on XX/XX/XXXX. I have not heard from either party. I will send you copies of this absolute verification of XXXX 's receipt of both parcels if you need them.Both copies upon return to XXXX on XX/XX/XXXX by " XXXX ''.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 24502
Submitted Via: Web
Date Sent: 2022-10-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-17
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I've settled a credit collection with a 3rd party collection agency, and the balance should now be at {$0.00} instead of showing that I still owe a balance on a closed and charged-off account with a credit card financial institution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53051
Submitted Via: Web
Date Sent: 2022-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-17
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: XX/XX/XXXX. After losing my card, I contacted Citi customer service to have my card blocked as lost ( about XXXX EST ). I verified all transactions on the card were mine and no fraud had taken place. I passed verification to have the card blocked as lost and when offered a new card I declined. I declined because the address on file is an old address, and they would only send the card to the address on file. I explained that I sold that house in XXXX and have been living with my mother-in-law and now my mother until my new house is build and we close in XXXX. I provided my current address ( XXXX XXXX XXXX. XXXX, OH XXXX ). The employee became suspicious of me. After 2 phone calls, a transfer, an hour, and several verification steps I was denied access to move forward in the process and my app was also locked. I provided my married name, maiden name, security word, SSN, previous and current address, my payment and transaction history, a phone code and answered questions about other cards and accounts. The representatives refused to believe the ID verification although I passed all authentications. He said they will send a letter to the address on file with a verification code. And until I call back in with that code, I will be blocked. I ended the call thinking my card was blocked and no one could transact on it. I was still worried that a code allowing access to my account may get into the wrong hands because they sent it to a known old address. I figured I could deal with getting a new card later when I'm settled at my permanent address. At this point I was very distressed and had severe chest pains. I was dizzy and sick the rest of the day becaue of how poorly I had bee treated. That same day I filed a complaint with XXXX XXXX XXXX ( Corp. Complaints ) explaining what had happened. About a week or so later the complaints department reached out and apologized, citing that the employee 's manager has been notified and he would receive training. However, even though they reviewed or investigated my complaint and confirmed it was Citi mistake, once that letter went out with the verification code, it trumped all aid that they could then give at that point. They reassured my card was blocked as lost, that I could call back in when I'm settled and could provide my permanent address ( to get a new card # ), and that they couldn't unlock my app. When I mentioned I use my app to see how much I owe monthly ( because I usually pay it off in full ), she said I can just call in for that balance. I explained again that if they sent a letter to n address I'm confirming as old, then I won't receive it. She didn't offer to send a new letter to my current address. I left this call unsatisfied with the resolution but had no choice but to accept that Citi customer service is horrible and abusive towards clients. On XX/XX/XXXX I received a voicemail from Citi Fraud Early Warning with a reference code and a request to call back. On XX/XX/XXXX I returned the call. I was informed my card had never been blocked. I requested it be blocked. They verified it was last used on XX/XX/XXXX for {$18.00} at XXXX XXXX. I confirmed this was my transactions and no other transactions were fraud. The employee offered to send a new card. I explained that the address on file is an old address ( Ive explained this XXXX x over the past month and a half ). She confirmed I could call back in whenever Im settled in my new house and have the card sent to the new address. I was VERY clear that I am closing on a house early XXXX and to be 100 % sure to only block my card and NOT close my whole account. She reassured me she blocked the card only. During this call I believe she said she could unlock my app, I agreed. On XX/XX/XXXX I went to pay my household bills and checked back on the app to see if I owed anything. An alert stated my account was closed. I called Citi and an employee confirms it was closed because a new card wasnt sent. At no point in this entire process was it disclosed in any manner or through any channel that my account would be closed for any reason, including failure to issue a new card. I am reporting my experience to the CFPB. Ive never in my life been treated so horribly as I have been by CitiBank. I believe Citi is retaliating against me for my complaint. I'd like to add that my account was in great standing. I pay my bills on-time or in advance, often in-fulI. This Citi Card was my main credit card and over the past year alone I've done over {$13000.00} in business. At the time of closure, I even had an overpayment. No one has notified me of if a check will be cut and to what address. No one has explained compensation for lost rewards. Back in XXXX when I got married, I had such a horrible time trying to update my last name with CitiBank that I gave up. I was left in tears. Its the ONLY account I still have my maiden name on. Same with updating addresses, which led to this experience. I pray this doesnt impact my credit to the point I cant close on my new home Ive been building since XXXX. These events have cause much mental and physical distress and anguish. After each of these events I suffered XXXX XXXX and XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 448XX
Submitted Via: Web
Date Sent: 2022-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-17
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: On XX/XX/XXXX, I signed a contract to purchase a heat pump from XXXX XXXX. XXXX XXXX had referred me to XXXX XXXX XXXX who came out and did the quote and the subsequent installation. After rebates, the total amount came to {$14000.00}. Part of the contract was a 24 month no interest credit card from XXXX XXXX. I applied for the card using the on-line website that the individual who did the quote had on his laptop. My first bill had a statement date of XX/XX/XXXX, making my last payment statement date XX/XX/XXXX. I set up an automatic payment of {$620.00} per month, which would equal {$15000.00} over the 24 months. Once set up, I did not look at any on-line statements or otherwise check the account. A few weeks ago, I went into my on-line account with HDCS and much to my surprise, I saw a balance of {$3100.00}. I was expecting something less than {$700.00}. After researching back my account, it appears that XXXX only gave me 12 months free interest. On the statement of XX/XX/XXXX, all back interest, totally {$1800.00} was applied and then monthly interest from then on. I called XXXX on XX/XX/XXXX and asked what was going on. They would not reverse all the interest charges, despite them breaking my contract, because they said too much time had passed since XX/XX/XXXX. They did reverse three months of interest and I specifically asked them to make a note on my file that I was not satisfied with this result. Unfortunately, I never received a paper copy of my initial application, I assume because it was done on-line, but I distinctly remember the quoter pointing out on the form where the 24 month interest free was stated. HDCS could not provide me with a copy of my electronic application when I call. I also reached out to XXXX XXXX XXXX and XXXX XXXX and neither could provide me with a copy. This seems very strange to me. I believe HDCS did not process my original application correctly and entered 12 months rather than 24 months. You can see by my monthly payments that I was expecting 24 months. If I knew it was only been 12 months, then I would have changed my payment to {$1200.00} and been done before any interest was charged. I did reach out to the Vermont Attorney Generals office and they referred me to you. I hope you will have better luck getting the interest reversed. I have attached a file that shows the specific transactions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VT
Zip: 056XX
Submitted Via: Web
Date Sent: 2022-10-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-17
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Back in XX/XX/2022 I was charged {$850.00} for a charge thru XXXX, I responded ASAP to Citi Cards and told them I did not make that charge. They investigated and only took half off on the dispute sometime in XX/XX/2022, saying I still owed {$420.00} so they said they would dispute that amount. and on the XX/XX/2022 statement the amount of {$420.00} was not even showing on the statement, but it was included in the bill and they were trying to get me to pay it by sneaking it into the statement. I called them and they said not to pay it, so I didn't and then on XX/XX/2022 I called them because they had put a {$6.00} Interest charge on my bill for not paying the {$420.00} bill.So the lady I talked to says she was removing the {$420.00} and the {$6.00} interest charge and told me to call Citi on Monday XX/XX/2022 and get a status update..I did and they didn't know anything about it and they told me they reopened it and it would be resolved by the end of this week. This issue has gone on for over 90 days, for which even your own site says they can't go that long on a dispute. My credit cards in previous months were fraudulently used like 2 or 3 times and each time Citi Cards would stop the card. They have issues at there business with people doing fraudulent claims wnhen it happens to me that many times, all my other cards I use have no probelms like that.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 490XX
Submitted Via: Web
Date Sent: 2022-10-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-17
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened the Citibank checking account with a specific promotion. Both the banker and the main brochure confirm that I am eligible to receive the promotion bonus of {$700.00} once I put new money of >= $ XXXX and keep them in the account for 60 days. When I opened the checking account 3-4 months ago, the banker double confirmed that as long as I put over $ XXXX in the new opened account and keep them for the required period, I would receive the {$700.00} bonus. However, everything looks to be cheating customers. After the completion of the program, I only received {$300.00} bonus instead of {$700.00}. Citibank says that only certain methods of deposit are allowed, and the XXXX transfer of just a few thousands dollars are not counted. It's really a behavior to cheat customers. Because the banker who opened the account for me emphasized and confirmed that the only requirement is to keep >= $ XXXX balance in the account for 2 months. However, after everything completes, Citibank says that a few thousands of deposit are not counted but the banker confirmed that there was no requirement on the deposit methods. I think Citibank is doing this to cheat customer. They hide the information to be not obvious at all and the banker mislead you on purpose. As a result, they can defend themselves that you keeping the $ XXXX balance in account for months does not meet the requirement so they DONT need to pay you the deserved bonus. It's the worst banking experience I have ever had. I put the $ XXXX in the account for almost 4 months but ended up NOT earning the bonus I deserve. All the misleading information is cheating customers on purpose to do things in the wrong way to avoid paying out bonus as much as possible. I just CAN NOT understand why the requirement confirmed by Banker ( holding $ XXXX balance in account for 2 months ) ended up to be not working.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94555
Submitted Via: Web
Date Sent: 2022-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-17
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: While at XXXX XXXX they asked me to make a card without stating that it was a credit card since they only said Macy 's Card. So I followed through and thought it was suspicious when they asked me for my SSN and income etc. I know it is my fault that I inputted the SSN. But when I saw they also asked for income, I said I am uncomfortable to put that in and the cashier/ representative person just put random numbers in for me and said it was no problem. At the last step i I realized that it was a credit card. So for multiple times I said I do not want a Credit Card but the representative just said it is just a Macy 's Card even though I said I don't want a credit card again and again. Then she selected the Macy 's Credit Card option for me and approved it. I told her to cancel it and she said okay and it was left at that but i noticed a hard pull on my credit card and a drop of XXXX points.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29678
Submitted Via: Web
Date Sent: 2022-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A