Date Received: 2022-10-06
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I signed up for a savings account with Citi Bank under the premise that they will provide a promotional bonus of XXXX dollars upon my deposit of at least XXXX dollars and keep it in the account for 3 months. I met this requirement and it has been 7 months and I have not received any bonus amounts. I have reached out to Citi for this, and they are requesting a promotion disclosure document as evidence. I did not receive such a document as Citi had advertised this promotion to me on their " Offers For you '' section on their webpage. I feel very misled by Citi ; it is simply impractical to keep screenshots and documentation of my internet browsing history, just on the off-chance that a banking institution requests this proof to honor their explicit offer to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-10-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-06
Issue: Problem caused by your funds being low
Subissue: Late or other fees
Consumer Complaint: open account on XX/XX/2022 with a {$30000.00} check i recieved from a lawsuit attorney : XXXX XXXX XXXX address : XXXX XXXX XXXX, XXXX XXXX, new york XXXX XXXX a few weeks my account was close and i was told by the teller at citi bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX That they couldnt tell me anything, I need to call fraud department for more information. I called and was told that they mail me a letter explaining. On XX/XX/2022 the letter stated they took no longer can service my account and they will issue me a official check for the remaining balance of {$12000.00}. I recieved a check on XX/XX/2022 for only {$440.00}. I called and was traffer to multible department telling they not authorize to tell me and hung up on me. I went to the bank and spoke to XXXX XXXX and she had the same problem so i left her my information, I went back a few days and she said that fixed the [ problem and they already send the remaing balance to my address '' already in the mail ''. Its been over a week and i have not recieve not even a email. Im broke and my carnote is pass due. My credit is ruin and i owe {$620.00} cause they cancel my investment. Cost me to be late on my carnote that interest whicb mean more lost. I cant work so thats all the money i had. This has cause me alot of stress, eating one meal a day. I was misled and disrespected too many times and cost me financial lost.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10023
Submitted Via: Web
Date Sent: 2022-10-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-06
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Dispute email sent to Citibank below that is besides all the different calls I also ready made to Citibank fraud deparment Customer Name : ( XXXX XXXX XXXX XXXX ) Customers address and phone number : XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX, Phone XXXX or XXXX On XX/XX/XXXX I noticed that multiple debit card fraud took place in my account in a total of over XXXX in fraud debit card transactions from XX/XX/XXXX through XX/XX/XXXX. I opened a dispute case with the Fraud department case number XXXX on XX/XX/XXXX to find out a month later on XX/XX/XXXX that the dispute department did the dispute incorrectly and the person who did the dispute never added all the items that needed to be disputed. I then also found out that only XXXX transactions can be disputed per case and that the dispute department would need to create several new dispute cases to dispute all the items that weren't done incorrectly back on XXXX XXXX Ridiculous. Additionally every time have contacted the dispute department, on top of having to go thru the security of identifying me several times, and needing to example again and again what has taking place once I start to talk to a Dbc fraud department representative and they realize how much work they need to do to create my dispute they keep on hanging up on me. If this continues to happen I will be calling a lawyer to address this ridiculous situation. I have already emailed XXXX and put a complaint. My original case number back on XX/XX/XXXX is XXXX. Super upsetting. From XX/XX/XXXX through XX/XX/XXXX I have spoken to in the fraud department - XXXX, XXXX ( supervisor ) XXXX, Love ref call # XXXX, XXXX XXXX XXXX id # XXXX, XXXX, XXXX, and XXXX XXXX Id # XXXX. XXXX was the only good employee there who was able to identify that issue and how the first person that created the dispute back on XX/XX/XXXX XXXX did not include all the transactions that needed to be disputed. XXXX then told me that he would need to create several dispute cases since the system only allows XXXX transactions sto be disputed at a time and my account had over XXXX of items that needed to be disputed from XX/XX/XXXX to XX/XX/XXXX. XXXX created XXXX additional disputes from XX/XX/XXXX to XX/XX/XXXX Case # XXXX and XX/XX/XXXX to XX/XX/XXXX case number XXXX, but when he started to create the XXXX to XX/XX/XXXX dbc transaction dispute we again got disconnected. I then again had to call Citibank fraud department, go thru again the security questions, again explain everything that had happen to my account since my last dispute on XX/XX/XXXX and where I left at with the last dispute representative, to got representative XXXX than find out that the dispute department system was not working well. I asked to speak to a supervisor and got XXXX id # XXXX who stated she will dispute all items XXXX by XXXX and give me several case numbers for those items. I also asked to expedite the process since I did not want to wait another 90 days from today to get a resolution for my dispute when the 90 days should have started back on XX/XX/XXXX. At this time I am extremely upset and if this is not done correctly I will be looking to hire a lawyer for all the pain I have gone through just to put a dispute correctly in my account. Sincerely XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33414
Submitted Via: Web
Date Sent: 2022-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-06
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I was notified that someone reactivated my Macy 's card which I had not used in years in XXXX, and again on XX/XX/2022. I contacted Macy 's and closed the account. I filled a Police report, FTC report, etc, etc. I am still awaiting resolution of nearly {$1200.00} in charges for XXXX XXXX clothes on my Macy 's card back in XXXX. The company does not believe me that I did not make these charges!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33445
Submitted Via: Web
Date Sent: 2022-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-06
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Got a call from a collector saying I owed money to Best Buy from XX/XX/2017. Yes I bought a tv and yes I paid it on a Best Buy credit card and yes I have all my on line receipts and yes its been paid off along time ago. Im thinking they got information from the breach that took place between XXXX through XXXX. Its not enough they called me but also my ex-husband with this debit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 630XX
Submitted Via: Web
Date Sent: 2022-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-06
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I have tried relentlessly to get an error taken off my credit report. Macy 's American Express will not cooperate with me. I told them I wasn't able to log in to my account so I was unaware of the {$2.00} finance charge that was assessed. I paid my card off in XXXX and had a lingering {$2.00} interest charge on my account. They never robo called me to make me aware of the balance. When speaking to customer service they told me they don't call customers for balances owed that are that low. They sent notification to the 3 credit bureaus that I was 60 days late. I've asked them to remove the delinquency and they keep telling me the investigation is closed. I have proof of my attempted log ins back in XXXX and XXXX. I keep telling them I was unable to retrieve my monthly statement. Unfortunately they keep telling me that the investigation is closed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48174
Submitted Via: Web
Date Sent: 2022-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-07
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: Citibank Bestbuy card does not update balances every evening or in most case not within 2 days. I believe this is to confuse customers on billing and actual balances for larger interest charges. It's 2022 transactions are instant. Ty, Just not trusting this company when I make payments and do not see balance go down after day or two.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NH
Zip: 038XX
Submitted Via: Web
Date Sent: 2022-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-07
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/XXXX, I purchased a XXXX XXXX from a seller though XXXX. Sellers name is XXXX. The item listed online in the pictures seller provided as pure fresh green without visible discoloration or stains. In the sellers description, he used language as Bright color Rare Color, Premium grade Very plump But, the actual item I received is a counterfeited item full of deep dark stains which is undeniable super low-grade stone, and totally not as described as in sellers listing pictures or descriptions. I then contacted XXXX and opened a case with case number XXXX XXXX XXXX - XXXX. On XX/XX/XXXX XXXX informed me that the seller had agreed on full refund, and the full refund would be issued by XXXX after I return the item, also XXXX provided me the sellers return address. I returned the item as requested on XX/XX/XXXX, and uploaded the tracking number in my case in XXXX which is XXXX. The item was received by the seller on XX/XX/XXXX. It was delivered successfully. According to XXXX policy and agreement they indicated in the email between the 3 parties involved : XXXX, me and the seller, that once the conditions are met which are : I returned the item and the item is delivered by the address seller provided ( as the indication of arrival and reception ), the effect of full refund should be satisfied. But, XXXX had told me that if the item was lost during the XXXX Post Office, I would not be able to get my money back, which is controdictory to its policy. The I contacted my bank Citi bank for dispute on XX/XX/XXXX. And on XX/XX/XXXX, I was informed by Citi that their investigation is not favor in me, due to XXXX 's refusal and evidence they presented. XXXX presented fraudulent and self contradictory evidences with false claim as the return was never shipped out. XXXX used it as the reasoning for refusing return my payment. XXXX refusal for issuing the full refund is breaching the contract according the obligation XXXX should fulfill in the dispute of transaction, also is acting as confederate of online intentional scam. As my primary bank Citi, did not fulfill their due diligent to even notice the obvious wrong tracking XXXX is using for its ' claim. Now I am bearing the damage of being scammed due to XXXX failed to fulfill its obligation and intentionally failed to disclose the crucial information regarding the transaction as the result for misleading, and Citi failed to fulfill due diligent as the requirement for investigation. Please help me get my money back, since I did not do anything wrong as a victim. I have followed the guidance XXXX provided and cooperated in the hope of resolving this matter. Also, upon agreement of full refund with XXXX and the seller. I have fulfilled my obligation of returning the item regarding the address listed on XXXX agreement. But, now I am the one bearing the economic damage on not having the item that I intended to purchase listed in seller 's pictures, or the {$2200.00}. Please reference the attached evidence for corresponding details mentioned above. Continue : Responding the documents that XXXX provided : 1. Regarding the tracking number presented by XXXX ( showing the label was created ) and comparing the tracking number on the shipping label I created. The number XXXX provided began with XXXX, but the actual number in the shipping label I bought also as evidence XXXX provided is beginning with XXXX. This self-contractionary is not accident, but intentional. In my evidence I presented, on XX/XX/XXXX I have uploaded the correct number in XXXX system ; which indicated that XXXX using a faulty tracking number as reasoning to support them not fulfill their obligation of returning my payment, is intentionally fraudulent. 2. XXXX also provided internal catalog of conversation on XX/XX/XXXX that seller claimed the item was not received or shipped on the same day. Please reference the official agreement that XXXX sent to me on the XX/XX/XXXX regarding condition for full refund and address for return. Also, in my evidence that on the same day XX/XX/XXXX, I have uploaded the tracking information in XXXX and the shipping label for return. And even in XXXX evidence of my shipping label included the time stamp supported my reasoning. For the international primary shipping the estimate date is 10 days. For XXXX exclusively presenting this faulty claim as their reasoning of refusal of fulfilling their obligation on the agreement between me, seller and XXXX on XX/XX/XXXX, is clear that XXXX intention here is not just breaching the contract, also proactively and intentionally be fraudulent and be part of the scamming activities. 3. Regarding the chat history the seller provided, there is not time stamps on any conversation, but any reasonable person read the content would see the content is about item inquiry and payment which happened before the item was shipped by the seller. Please reference the document attached that according to the seller in the chat, the item was shipped out on XX/XX/XXXX, and was received on XX/XX/XXXX. Also, please see the only time stamp the seller provided is at the bottom of all the conversation as XX/XX/XXXX, which means all the conversation before seller and XXXX presented was before seller even shipped out the item. This is totally irrelevant to the argument. No support to any reasoning for XXXX refusal of returning my payment. 4. All the evidence XXXX provided to back up its reasoning was after XXXX the date that the returned item was successfully delivered to the seller. This support the conclusion that XXXX intentional fraudulent act and intentionally breaches the contract for which it has failed to fulfill its obligation as the safeguard for online scamming activities. 5. Seller has relisted this item online as {$2700.00}. 6. All the information I provided is matter of fact and black and white. Through the truth, we can see how weak XXXX reasoning, claim is and how absurd the intention, motivation behind their illegal fraudulent act.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 946XX
Submitted Via: Web
Date Sent: 2022-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-06
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am submitting this CFPB complaint to request the removal of account AMEX/DSNB XXXX Date Opened : XX/XX/2016 with an alleged Balance : {$0.00} that is erroneously and fraudulently reporting on my Credit File. I recently verified my latest credit report and I noticed that this account is reporting fraudulently on my credit report. I have been a victim of Identity Theft, my information was stolen and used to open this account without my permission or knowledge. The account AMEX/DSNB XXXX was incurred due to fraudulent charges, which according to VISA/ Mastercard XXXX Liability policy I am not liable. I DO NOT HAVE A LEGALLY BINDING CONTRACT WITH THIS COMPANY. AMEX/DSNB XXXX Date Opened : XX/XX/2016 Balance : {$0.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60636
Submitted Via: Web
Date Sent: 2022-10-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-06
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Hello. Citibank closed by checking account I received 2 emails emails on XX/XX/2022 " We noticed unusual account activity For your security, we've temporarily blocked your accounts. '' And another one after 15 minutes " Your Citi account ( s ) will automatically close within 60 days '' The email promised that I will get more details in a physical mail and a check with remaining funds, but I did not receive it. Multiple calls to consumer service with my complains about lack of information did not resolve the problem. The only response was physical main is coming, noting is available in the mailbox. I still get some useless physical mails from Citibank. For example, one mentioned a product change for closed Citi XXXX credit card. Communication with the bank is also strange, they mentioned suspicious activity, but did not provide a way for me to verify what happened - access to the web site is forbitten and customer service phone representative tell that they don't see the info since account is closed. Please ask Citibank for the reason why account was closed and confirmation that proper explanation was send to me. I also want an easy access to receive the remaining funds. Waiting for check send by a mail takes too long and I don't even know if it was send. Thank you. XXXX. Account details : Online checking account XXXX XXXX XXXX XXXX XXXX Email : XXXX Mailing address : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX FL XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94043
Submitted Via: Web
Date Sent: 2022-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A