Date Received: 2022-10-01
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 have ordered tires on the XXXX of XXXX for {$1100.00}. On the XXXX of XXXX the merchant ( XXXX XXXX AZ ) charged me {$1000.00} and received an email invoice saying that XXXX card was charged {$1100.00}, however the total amount states {$1000.00}. On the XXXX of XXXX I noticed that I was charged again for XXXX by XXXX XXXX XXXX XXXX XXXX AZ. The merchant names are different on the statement, but they include the same phone number. I called the merchant, they confirmed that they are having issues with their billing system and asked me to try to get the money back through my bank as that's the easiest way. I have filed dispute twice charges, but they were rejected. I have only authorized {$1100.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91942
Submitted Via: Web
Date Sent: 2022-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-30
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: Citibank has been charging illegal monthly federal tax withholding for the past 12 years on 2 of my linked accounts and another account with a separate login. I have fulfilled the w-9 form obligation a minimum of 7 times : 3 by mail ; 2 by branch locations ; 2 by fax. I am a US citizen, therefore the this is an unlawful collection of tax on multiple accounts. The most recent interactions : XXXX XXXX, employee ID XXXX Instructed me to download the W-9 from IRS website XXXX and mail to : Citigroup Technology Inc XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX Mailed via USPS on XXXX. She guaranteed she would remain with the case until resolution. However subsequent callback commitments and follow up calls she has been a complete MIA. She failed to keep any of the callback commitments, and refused to respond to several callback request XXXX messages. Next supervisor I dealt with has more or less resulted in the same neglect. XXXX XXXX, Team ID XXXX, client relations supervisor. XXXX instructed me to fax the W-9 submitted on XXXX to XXXX. She promised she would research the total amount illegally withheld for the 12-year duration across 3 connect accounts and the one unconnected account, and facilitate the refund of all withheld funds. 1. XXXX XXXX : XXXX XXXX, delivered XXXX. XXXX XXXX XXXX : XXXX XXXX, successfully sent She made a commitment to provide status report on XXXX, but has failed to call and has ignored multiple internal emails and IM messages sent to her. My father also has an account with Citibank on which I am a POA. He was never informed of the tax withholdings. He also has a social security number, is citizen of a country with bilateral Tax Treaty agreements, and resident of a country with bilateral Tax Treaties. He does not physically reside in the US and ranks No income in the US. There is no grounds to charge this tax on any of his accounts, either. A formal complaint was filed to the back office in XXXX. For my 4 individual deposit accounts, Citibank fails to certify the W-9 form repeatedly submitted to them through various instruments and methods. They refuse to provide explanation why they will not certify the multiple W-9 forms and they refuse to provide instructions to resolve this issue. Meanwhile, it continues to charge monthly fees and refuse to refund previously charged fees. Every call made, they demand I re-submit the same W-9 that have been multiply fulfilled. The phantom back office has no direct number, extension, email, fax, social media accounts, and it is only a unilateral communication of certification confirmation. There has been no communication from this department, ever. It claims all taxes have been sent to IRS, thus refuses to refund any funds. If in fact, taxes were submitted to IRS on my behalf, there has been no confirmation or acknowledgment from IRS. There is something prohibiting the W-9 certification and uploading the form to their system. They refuse to remedy the issue source, and instead demand I repeat the failed methods infinitely. This is the definition insanity. I am through attempting to resolve this with Citibank. Please assist in the W-9 certification and refund of illegally collected taxes. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 900XX
Submitted Via: Web
Date Sent: 2022-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-30
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 XXXX XXXX, 2022, a charge for {$61.00} from XXXX XXXX appeared on my Citibank credit card statement. I do not recognize this charge, and the statement says its from last XXXX. Ive contacted Citibank by phone on XX/XX/XXXX, XXXX, and XXXX, but they have done nothing to resolve this. Each time they say XXXX get a credit, but it never happens.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NM
Zip: 870XX
Submitted Via: Web
Date Sent: 2022-09-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-30
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I spoke with 5 Citi representatives today over about 4.5 hours. Based on my statements from XXXX and XXXX, their payment allocation did not follow the hierarchy rule required by the Credit Card Act. I have attached the transcripts from the final 3 conversations, as I didn't think this would be such a significant issue when I had my initial chat and then placed the call to account specialists as I was instructed to do. I paid in excess of my minimum payment in XXXX ( {$130.00} ), XXXX ( {$110.00} ), and XXXX ( {$120.00} ). Anything above that payment should have applied to the higher ( 29.99 % ) APR balance. Some applied to it, but more than should have was paid to the lower ( 22.99 % ) balance. For instance, in my XXXX statement, the payment to the high APR balance was about {$430.00}, accounting for the amount of the preexisting balance and the new charges billed. In contrast, my lower APR balance received a {$400.00} payment, which is {$280.00} in excess of my minimum payment. With a balance subject to the 29.99 % interest rate of {$490.00} at the end of XXXX, there was ample balance towards which the excess payment could be paid regardless of when new purchases were actually billed in XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19143
Submitted Via: Web
Date Sent: 2022-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-30
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: When I try to log onto my account, with Citibank, I am requested to supply the number of an ATM debit card. A card I never received. When I called to report the problem, they ask me for the savings account number linked to this card. I do not have that information, lost ( i.e. email deleted ) as all set up online and paperless. They ask for SSN and my special word attached to the account, but their system also requires the savings account nbr, which I can not supply, so they stop helping. I am told to go to a branch. Well Citibank closed all branches in Colorado, and only have branches in a very limited amount of states. Citibank is head quartered in South Dakota. So they have a branch in XXXX XXXX, XXXX miles away from me. My other option is mailing their bank division and hope they will reply and help. At this time, I can only pay my credit card, over the phone, nor can I add make a credit or debit to my savings account. Also if the card was mailed, how do I not know it was stolen, or return to Citibank as they could have used an invalid address. If I do not get access to my account, I will be unable to obtain my 1099 needed for my tax return. And with the good interest rate, I am unable to put more money into the account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 804XX
Submitted Via: Web
Date Sent: 2022-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-30
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 founded my Macys credit card was charged with out my authorized and I didnt recognize the purchase.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95122
Submitted Via: Web
Date Sent: 2022-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-30
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I opened a Citibank accelerated savings account in XX/XX/XXXX and deposited a total of {$10000.00} in two electronic transfers from my originating bank. These transfers were {$2000.00} on XX/XX/XXXX and {$8000.00} on XX/XX/XXXX ( see transactions attached ). On XX/XX/XXXX, I received an email from Citi saying that my account would be closed due to " violating the terms of your account ''. I have attached that email. In the email Citi said, " we will send any funds belonging to you to this address, once the account is closed ''. The email also said to call Citi 's fraud department for any questions. I have called Citi multiple times asking why the account was closed and when I would get the money sent back to me and if they could send back the money sooner than the 60 days the email said. It has now been 91 days since the email notification that my account will be closed. I have never received any mail regarding the issue despite their fraud department, when I call them, saying that I would get a letter. I have received a lot of conflicting information when contacting Citibank. They initially kept saying that a check would be mailed to me. However, they have also been saying that if I want to receive the funds back electronically, that I should contact my originating bank to " file a claim to release the funds that was deposited to my Citibank account ''. Those are the words of a Citibank fraud dept. representative. When I contact my originating bank, they say there is nothing they can do because my money was successfully deposited and it is up to Citibank to now resolve the issue. Whenever I ask Citibank to send the money back to my original bank they say it can not be done. So, I am getting conflicting information from both these banks. I also recently contacted Citibank 's executive response unit and they said they would look into the issue and it would take approximately 15 business days to receive a response.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98125
Submitted Via: Web
Date Sent: 2022-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-30
Issue: Other transaction problem
Subissue:
Consumer Complaint: The reference number is a quote from CITI Bank XXXX I initiated a transfer to XXXX XXXX on the XX/XX/22 for XXXX XXXX United States Dollars . For beneficiary address error, the beneficiary bank, XXXX XXXXXXXX XXXX, returned the money back XX/XX/22. I initiated all communication to inquire about the status of this returned funds to CITI bank, all I get is back office this, back office that! Today XX/XX/22 is my second official email to CITI bank via XXXX For withholding my money for over a month! Making my money that ought to generate some interest to loss value and gains, putting me and my family into suffrage! I hope the Citi Bank will be responsible enough to quantify and compensate my suffering within the period of withholding my money, without communicating or following up with me about progress and status of my funds.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11412
Submitted Via: Web
Date Sent: 2022-09-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-30
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: On XX/XX/22, I applied and was approved for a Wayfair Mastercard. I made a purchase totaling {$370.00}. It contained 2 items, a bed for {$340.00} and a protection plan for {$37.00}. When I went to make the purchase, the system said the purchase of {$370.00} was eligible for a 6 month promotion ( no interest if paid in full by 6 months ). I spoke to customer service at the credit card ( Citibank ) that night to be sure, and was told that was correct, but that I needed to call them when the items shipped to have the promotion applied. I called them today ( XX/XX/22 ) and was told by XXXX that only the {$340.00} can be put on the promotion because that was the full balance on my account. I told her the full balance is {$370.00}, but she said I was wrong. I hung up and double checked with Wayfair, and they confirmed that my order is for 2 items totaling {$370.00} ( which I also confirmed on my receipt ). I called Citibank back and spoke to XXXX. XXXX spoke to her supervisor and was told they can not put the other {$37.00} on the promotion because the amount is not over {$200.00}. They are looking at it by EACH item, not the full order, which is what they are offering/advertising. This is a fraudulent offer. I tried again, just to see, to go in and purchase several items, all around {$50.00} and under, which totaled over {$200.00}, and again it said I qualified for the 6 month promotion. They are advertising this, but when you make a purchase, individual items under {$200.00} are not put on the promotion. I would like this looked into as they are advertising something they are not doing. I have attached a copy of my receipt. Please let me know if you need any other information you need. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 894XX
Submitted Via: Web
Date Sent: 2022-09-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-30
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 placed an order for 3 custom made shutters, from XXXX. all of which had the following missing pieces. When the items were received, the packaging was intact and in good condition, showing no indication of being opened or tampered with, as well as no indication of damage or missing pieces, which is why the shipment was accepted and signed for. The parts missing are as follows : Shutter 1 : Large4 panel shutter for sliding door ( 69x80 ), Missing 1 complete panel ( received 3 of 4 ), Missing side support Shutter 2 : Small 2 panel shutter for bathroom window ( 44x16 ), Missing entire frame Shutter 3 : Large window shutter ( 91x46 ), Missing 1 complete panel ( received 3 of 4 ), Missing bottom frame piece The missing pieces make the shutters unusable. Upon contacting XXXX XXXX customer service, I was advised that the pieces were no longer available as they no longer work with the supplier used for the order. Their current supplier does not offer shutters in the same color/finish, and I need to match existing shutters in the house. Shutterstore.com has been unresponsive to requests for a refund or replacement. I have been unable to reach an agreement with them to return the items. I have contacted them many times by phone but keep getting put on hold and/or disconnected. I have sent emails but received no response. Phone calls were made on the following dates ( times approximate ) : XX/XX/2022, XXXXXXXX advised that no replacement parts available, call disconnected XX/XX/2022, XXXXXXXX call on hold then disconnected XX/XX/2022, XXXXXXXX advised again that parts are not available, transferred to supervisor, then call disconnected XX/XX/2022, XXXXXXXX placed on hold indefinitely-I hung up after 1 hour XXXX XXXX, XXXX, XXXXXXXX call disconnected after rep picked up XX/XX/2022, XXXXXXXX call placed on hold, I hung up after 1 hour XX/XX/2022, XXXXXXXX no answer XX/XX/2022, XXXXXXXX, told there are no return or refund, transferred to supervisor who said the same. XX/XX/2022XXXX XXXXXXXX, call disconnected after placed on hold for 45 minutes They do not seem to want to work with me to resolve the issue. Return of these items would be costly as it needs to be shipped via XXXX XXXX XXXX due to their size and weight ( XXXX per shipping document ). I am wiling to return the pieces I have as they are useless to me ; however, XXXX XXXX appears unwilling to work with me or pay for return shipping. I have not been able to speak with customer service to resolve Regarding the emails sent to me by XXXX XXXX after the dispute was open, I did respond to each email, but did not receive any follow up response from them. I did receive a {$5.00} credit was for an overpayment on the original invoice. I have disputed the charge with Citibank, but they have been unresponsive as well. Initially, they provided a false response from the vendor stating that I never contacted them, along with a bill of lading showing that the items were delivered ( That is not the subject of the dispute ). After I escalated and waiting another two months or so, all I received was a letter from Citibank stating that I need to provide a statement from them saying that they would credit my account, and that the matter was closed. The whole point of the dispute is that they are avoiding the issue and did not provide a credit to my account. Citibank is not honoring the XXXX 's XXXX XXXX terms of service which indicate that " If the goods or services you bought with your card, are not as described, damaged, or are never received, you can ask your card issuer to process a refund request. ''
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91761
Submitted Via: Web
Date Sent: 2022-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A