Date Received: 2022-10-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I started disputing this information in XXXX regarding these two companies XXXX and macy company. I fill out every form the companies sent to me from the fraud department to a police report back in XXXX. Id also requested a copy of the applications that was submitted by me since this account was supposedly open in XXXX the company was still actively doing paper work for new account. I havent received a copy of the the request paperwork information regarding the credit application from the company. These account is showing a balance and a past due amount for many years this company continues to bully and harass me with this relentless negative information on my credit report which is affecting my family and personal lively hood to get good paying job and a decent place for me and family to live. This is a constant reminder of how the company treat XXXX and XXXX people who work hard and want a fair share in life.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-11
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: 2 payments were taken out of my account 1 manual payment of XXXX and a second auto payment of XXXX, ( my total balance was {$940.00} which I paid in full manually so the XXXX was a payment on a balance of {$0.00} ) The payment of XXXX was never received by the credit card company, even though my bank statment shows it was made to Citi. bank filed as a lost check, but once that was approved Citi add a {$940.00} statement saying I owed that money back to the company Tried to provide statements from my banks to citi but they seemed uninterested in those, likely because it provides proof that citi was sent the money they are claiming they never received
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78108
Submitted Via: Web
Date Sent: 2022-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-11
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Citigroup denied me a Citi Double Cash card and mailed me a denial for the Citi custom cash card to further prove their incompetence. I tried for 15 years to get this card and now they are mocking me in a denial. What a disgrace of a company
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23229
Submitted Via: Web
Date Sent: 2022-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-11
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, I ordered on XXXX a electric dryer for XXXX dollars ( XXXX with tax ) that was advertised as 120 volts. XXXX XXXX sent me a 240 volt model which I am not electrically equipped for in my household. I reached out to the merchant and they told me they do not do returns on online purchases. I explained I received the wrong product. I reached out on XX/XX/XXXX to home depot credit card services which was the credit card I used to make the purchase. They attempted to resolve with the merchant. Merchant told home depot credit card this is a case of buyers remorse. I opened up a dispute with home depot credit card services on XX/XX/XXXX after multiple phone calls with XXXX XXXX corporate, credit card services and the actually credit card banking service. I submitted pictures of the product I ordered and I what received along with receipts. Home Depot credit card ( Citi bank ) told me to wait 30 to 90 days for resolution. I received a letter from Home Depot credit services to contact the merchant for a refund or exchange on XX/XX/2022. Once again reached out to the merchant and spoke with a mannager who told me they dont expect returns and had the credit card company call once again on my behalf to try to obtain a resolution. As per home depot credit card services I was to wait 30 -90 for resolution as they attempt to correct the issue. On XX/XX/XXXX upon checking my home depot credit card account I noticed my dispute had been closed so I immediately reopened the case. I called that same day twice as the first time the supervisor phone call dropped and as per home depot they have no answers as to why they closed dispute but to wait another 30 days. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Homedepot credit card service citibank
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10306
Submitted Via: Web
Date Sent: 2022-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-11
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I recently was sent an email stating my bank account would be closed within 60 days. They did not give any specifics other than violated the terms of your account per the client manual I have not done anything to violate these terms and dont know what would make them close my account. But searching the web it seems like a common practice On the email it says I will receive my balance on my account only after the 60 days when my account is closed, but also mention in the email : If you believe these funds should be sent to you sooner than the expected closing date, please visit your local branch or call the number on the back of your ATM/debit card. So I called there fraud department ( XXXX ( XXXX ) XXXX ) and talked to a rep asking her to please expedite a check for my balance as I am in a dire emergency. I need the funds for medical reasons and by not receiving it soon it would put me in a real dangerous situation medically. She said she couldnt do anything and I asked to speak to a supervisor who also said I was out of luck! This is unfair that I cant access MY money that I need for an emergency from a decision CitiBank made! I can not wait 60 days for my funds this was my entire savings. I have no other options in this dire situation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60426
Submitted Via: Web
Date Sent: 2022-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-10
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/2022, I stopped in XXXX XXXX XXXX to fill our car up with gas. I gave my Citibank Mastercard to the attendant. He went to put it in the machine and he came back and said it would not accpet my card. He asked if I had another card and I gave him my XXXX card which went through. After I drove away I recieved a notification from Citibank that a charge of {$970.00} was made on my card. I immediately declined the charge and Citibank called me and I reported the charge as fraudulent. They told me they would remove the charge and issue me a new card. Subsequently they informed me that they would not remove the charge and have charged me for it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75093
Submitted Via: Web
Date Sent: 2022-10-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-10
Issue: Closing an account
Subissue: Fees charged for closing account
Consumer Complaint: I previously tried to close a savings and checking account, and withdrew the funds. A few months later I received a notice stating a savings account has been overdrawn despite no account activity ( did not even know that was possible to overdraw a savings account ), the account was closed, and threatening collections and negative credit reporting. I have tried to resolve with Citi directly, who indicated they could waive these charges, but then were unable to because the account was already in collections. Then, the collections team said they couldn't request to waive charges because that is handled by customer service. It appears Citi has designed in abusive process to deter customers from closing accounts under the guise of security ( social security and mailing address and last 4 of account apparently insufficient ) and other requirements, and most recently they were unable to even locate the account in their system. I should not have received these account charges in the first place, all I am seeking is to end my relationship with Citi without cost. Do they even track account activity and have a process to avoid service charges on dormant/closed accounts?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77063
Submitted Via: Web
Date Sent: 2022-10-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-10
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Open checking account on XX/XX/XXXX over the phone, received account number through mail XX/XX/XXXX, funding acknowledges XXXX. Deposited {$200000.00} to receive {$1500.00} bonus. Called to confirm XX/XX/XXXX and told good and given promotional code. Called in early XXXX to confirm credit to occur XX/XX/XXXX. Received online message after call on XX/XX/XXXX after not seeing credit on account that deposit did not meet 20 day deposit qualification ( 22 days ). XXXX flier states 30 day balance requirement if account opened over the phone. Account opening package not mailed from CITI until XX/XX/XXXX so did not have signature card or account number until XX/XX/XXXX. Multiple calls on XXXX, XXXX and XX/XX/XXXX did not resolve issue. Refuse to acknowledge or define " open account '' date. I was not about to send a check for {$200000.00} without written confirmation of account open and account number.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97702
Submitted Via: Web
Date Sent: 2022-10-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-10
Issue: Opening an account
Subissue: Confusing or missing disclosures
Consumer Complaint: To whom it may Concern, I opened the bank account late XXXX of XXXX and I have been having various issues. Each time I contact customer service and the fraud Department I get misleading information and can't access the funds deposited to my account. It has caused and causing financial distress. I have had my rent check to bounce from XXXX XXXX XXXX because I can't transfer my funds from Citi bank to XXXX XXXX. The closes branch to my location is in XXXX, Fl and im currently residing. in XXXX, Fl which is more than four hours away. I have taken today XXXX XX/XX/2022 off to try and get the issue resolved. I can't wait 30-60 days for my funds. Im requesting a full refund of my deposited funds to Citi bank and the mental distress it has caused me and the bounced check and my landlords late fee compensated. I am more than confident that im not the only consumer that has had issues with Citibank ( that has caused financial distress ). XXXX XXXX Checking account XXXX Cell : ( XXXX ) XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33612
Submitted Via: Web
Date Sent: 2022-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-10
Issue: Other features, terms, or problems
Subissue: Add-on products and services
Consumer Complaint: In XX/XX/XXXX while in the XXXX XXXX I signed up for a card with Best Buy via a point of sale terminal, service desk. The employee did the process for me as I stated I was inexperienced with this sort of thing ( my first credit card ). The employee proceeded to sign me up for something called Enhanced Debt Protection without informing me of what it was, that he was signing me up, and that there was a cost as well. He simply did it all without checking in with me. Since XXXX I've been charged fees ranging from around XXXX a month to XXXX dollars or more per month without me noticing since the rates were so low. However, once I did notice it I looked into this and as it turns out the CFPB issued an order to Citi Bank for this very thing back in XXXX. For people that were signed up for this service via a service desk ( which I was ) anytime after XXXX. Citi Bank was ordered by your organization to refund {$700.00} XXXX to the affected accounts which included mine. However, back in XXXX I had no idea I was being charged for this. I reached out to Citibank to 1. cancel the enhanced debt protection back in XXXX of this year. 2. Request a refund for the 12 years of them charging me these fees without my approval or knowledge. They said they would try and get it approved and that it would take 10 business days and that I'd be notified via mail. So I promptly asked to have my mailing address updated. I waited 15 business days and had not received word. I called back, only to be told it was sent to the wrong address. I verified the correct one once more and they assured me it wouldn't happen again. However, by late XXXX I reached out once again and they apologized saying they sent it to the wrong address AGAIN. At this point it seemed they weren't taking my inquiry seriously. I am now still without word on what their decision for this refund is but it does seem based on your prior ruling in XXXX that I am included in this population that was signed up for services under false or predatory practices. I have given them over 3 months worth of time to simply notify me of my request for a refund and they have failed to do so. I know that as an individual in this country I don't have the money to fight something like a bank. So I am glad the CFPB is here to fight for the people who have been wronged. I have statements from the last XXXX years and when I asked to have statements from XXXX they have also failed to get those to me. However, they did state that I've been billed for enhanced debt protection since XXXX when I first opened the card at the service desk in store. https : XXXX XXXX is the link to the post that your organization made back in XXXX, highlighting the fact that citibank has XXXX done this exact same thing from accounts dating back to anything past XXXX, and that includes people who were signed up via a service desk.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33130
Submitted Via: Web
Date Sent: 2022-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A