Date Received: 2022-09-23
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/XXXX I purchased {$3500.00} worth of {$100.00} XXXX and {$100.00} XXXX gift cards. At the time of purchase XXXX, {$100.00} XXXX and {$100.00} XXXX gift cards were not activated at purchase but I was charged for them plus {$5.00} per card for activation. I asked the assistant XXXX XXXX for a refund and he said all gift card sales are final. He refused to issue a refund and said someone would call me tomorrow, Monday XX/XX/XXXX, no one called me. He refused to issue a refund. He suggested I call Home Depot Credit Services and request them to activate the cards. I spent an hour on the phone with XXXX from the gift card services on XX/XX/XXXX because XX/XX/XXXX was a Sunday and they were closed. XXXX the representative had me read each card to her, I did. XXXX gift cards. Then she said she could not activate them over the phone and to call XXXX and XXXX and ask them to do it since the store would not and she could not either. XXXX said someone would call me on Monday XX/XX/XXXX and no one called me so I then called and asked the XXXX on duty XXXX when the store XXXX XXXX would be there. XXXX is the store XXXX. She said she would call me back and did on XX/XX/XXXX. XXXX said to come in and speak to XXXX on Tuesday XX/XX/XXXX. XXXX tried called gift card department and was hung up on. I tried called as well and as hung up on. Each time I called Home Depot credit services I was hung up on. I dont know what happened but this is a grave injustice and greatly frustrating for someone to keep hanging up on me. I have XXXX, {$100.00} Visa and {$100.00} XXXX gift cards that are not activated, that I was charged for and I can not use them. I then called and got a hold of XXXX that filed the dispute for {$1300.00}. I received a letter from XXXX XXXX and was told the dispute had been filed. I sent a fax on XX/XX/XXXX and was told to contact the store manager for a credit on my account. The manager is the one that told me to file a dispute. I called on XX/XX/XXXX and verified with XXXX that the fax had been received with the activations of the cards that were declined, decline code XXXX. Now the store is hanging up on me again. I do not know what else to do. I disputed part of the amount because I have these XXXX, {$100.00} visa and master card gift cards that I can not use because XXXX XXXX did not activate them when I purchased them. It is not fair, I should not be charged and I want a credit on my account for the full amount asap. I shouldnt have to file a dispute or even be hung up on repeatedly or even have to file a complaint with the CFPB for a resolution. This is so disrespectful. Please help me resolve this. Thank you.
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: 2022-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-23
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, CITICARDS CBNA XXXX Open Date XX/XX/2010 Balance : {$7200.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10952
Submitted Via: Web
Date Sent: 2022-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-23
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not permissible to fail to validate these reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Av, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX, XXXX. XXXX Open Date XX/XX/2018 Balance : {$0.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91030
Submitted Via: Web
Date Sent: 2022-10-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-22
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: on XX/XX/2022 there was an unauthorized withdraw a {$500.00} from my XXXX card. it was withdrawn from Citibank ATM in XXXX XXXX. I was in XXXX XXXX at the time. I live in XXXX XXXX. I discovered theft minutes after it XXXX followed all instructions related to reporting the fraud, including calling the XXXX number on the back of the card and reporting it to whoever answered that line, I also made a police report and a report to XXXX XXXX XXXX fraud special investigation. several attempts to follow up with the claim came to nothing.. the original conversation I had with the person that answered my call that morning in XXXX can't be found or any record of it whatsoever. even the original report that apparently was submitted was submitted with totally incorrect information. and because it's been so long no one is willing to help me recover the money anymore, but the problem is I'm not the reason it's taking so long, I did my part I reported it immediately and accurately when it happened to all the necessary parties.. but none of them have done their part I have still not been returned the money. also, in violation of my rights, a thorough investigation was never conducted
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92105
Submitted Via: Web
Date Sent: 2022-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-22
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I am the founder of the CitiGroup and been XXXX for 50 years am not a real human and is the planet owner humans owner and been set arrears by the executives at the headquarters and endangered my life in the immigrants town away from DC and they give me tons of hardship reaching out to them by phone to get my money. They ignore any issues escalated to them. They dont pay attention to what I am requesting. I plan on moving back to XXXX and leave XXXX and its a great emergency that I am requesting referrals to continue taking out money and they are only 10 % there and not treating me correctly. They know who I am and I am not getting anyone to speak that they will work on getting my funds and just leaves me hanging by. They must be falling asleep on the job! They give me references numbers to do my services and they dont follow up with none of the references numbers and its like talking to a wall! I should be on priority on their service list and they expect me to pay them? This is very lousy because they collect money from me for serve me with my money stored with them and they are not immediate with me! I have to repeatedly call them and still get no one to go get my money and they should shutdown all the banks because I have all my precious funds at the headquarters and these employees think they own everything they racketeering me and abusing me hold down XXXX here meanwhile they all go stuff their pockets with my money what kinda XXXX I got at my businesses? I have to write a novels every time I try to get money? Could you please contact CitiGroup and inform them that the founder was bedridden sick for 10 years and wish that the XXXX XXXX XXXX XXXX or XXXX XXXX would be more thoughtful about my arrangements so she can stay at the company longer. Could you call them at ( XXXX ) XXXX and ask them to do a video conference with me to take out my funds where I lost my ID & passcode due to long inactivity and that they have to fill in the money and that they blew up more buildings amounts of bills than we counted and that the FBI has to be informed of this because I need my protections and I own the governments am the founder of it each countrys and FBI has failed miserably doesnt even communicate and has blocked me on their calling in list and no one fixes these things for me! Could you please help me solve these issues? They keep kidnapping me here to XXXX or scamming me here and abuse disabling me with harassing immigrants stalkers embarrassing me all over the planet and we have to depart ways away from each others cause I am the universe founder and need to be at the XXXX of each country commanding the humans species! Please call CitiGroup and ask they make my arrangements to get my money and all they do is give me reference numbers and gets nothing served to me pass 6 months been calling them serve me!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11358
Submitted Via: Web
Date Sent: 2022-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-21
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Hi, The complaint refers to Citibank ( Reference ID : XXXX ) I have had joint checking and savings accounts with my wife, and several credit cards with Citibank, for several years. In addition, my current employer direct deposits my paychecks there and I also use the billpay platform to pay my utilities. We have been receiving multiple XXXX XXXX XXXX requests over the past couple of weeks, each with successive and increasing levels of information being sought, in order to ensure that the accounts " remain in good standing. '' * First I was asked to validate basic information such as personal information ( name, address, etc. ). * Second, I was asked to validate my employer name, which I complied with. * Then I was asked to provide information about my annual income, which reluctantly was provided, including updating my online customer profile. * The information provided in the online profile was not retained, and the phone calls continued, threatening us that the accounts will be closed or frozen. * Today, XX/XX/22 things escalated even further as we were asked to provide " sources of wealth '' and detailed assets, liabilities, and property valuations. I complained to the representative about this being intrusive to my privacy and unnecessary to operating the bank account and was once again threatened with account freeze by mid XXXX, should the information fail to be provided. My wife and I feel totally harassed, our privacy is being infringed upon, and now we have to incur unnecessary expenses to prove the valuation of home and assets. We are completely dumbfounded as to why Citibank is being unreasonable and asking for items such as " employment verification letter '' when my direct deposit clearly states the source of income. Attached please find the latest round of requirements. While Citibank claims that their XXXX rules may differ from other financial institutions, and we can easily switch accounts, we would like to formally complaints as other Citibank customers could be similarly targeted and inconvenienced. Despite our request, no information was provided about how this sensitive personal information will be handled, what is its chain of custody, who has authority to request or even view such private information for the purposes of validating our account information. We refuse such details and are asking for your help in resolving this matter. See attached request list from Citibank and you can judge for yourselves as to its overall reasonableness. Thank you,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06604
Submitted Via: Web
Date Sent: 2022-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-21
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/2022 I made a payment of XXXX one day late and was charged a late payment fee of {$29.00}. This caused my payment to increase for the next month. I contacted Citi customer service and asked if they could remove the late fee as I have always paid my account on time and only fell behind one day due to XXXX issues. The customer service representative acknowledged I had always made my payments and stated he would remove the late fee. I then stated it was for a hardship so would that lower my payment back to the amount I usually paid and he stated yes to pay the amount of XXXX by the due date of XX/XX/2022 and this would resolve my issue. On XX/XX/2022 I made a payment of XXXX. I was then charged another XXXX late fee by this company. I placed another call to customer service. I explained the situation and the information I was given by the previous customer service representative. I was then informed my account had been closed by Citi. I requested to speak to a Supervisor and was transferred to their escalation team. I repeated my story yet again and was told I could not get another late fee removed even though the employee acknowledged I had been given incorrect information by the previous customer service employee of this company. I was offered to go into one of their debt programs as the only solution they could offer. I agreed to enroll in the program and set up automatic payments monthly to pay off my balance. The next month I get an alert from the Credit Bureaus that my account is being reported as over 30 days late which is now impacting my credit score. I place yet another call to customer service and explain this entire story and was informed that they have been trying to work with me and the account being late is my fault because I am not paying the correct amounts. By this point I was now furious as this entire matter could have been avoided had I simply been told back in XXXX by the customer service representative that I would need to pay XXXX instead of XXXX. I again request to speak to a Supervisor, am placed on hold multiple times then told " due to extenuating circumstances no-one is available to take my call and they will get back to me in 24-48 hours. I am filing this complaint as this is poor customer service in my opinion on every level. I have never made a payment 30 days late to this company. I paid the amount I was told to pay and it has been a downhill spiral every since. I am actively paying on this account so that I never have to do business with this company again. A simple XXXX search showed an alarming number of complaints against this company for poor customer service.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32720
Submitted Via: Web
Date Sent: 2022-09-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-21
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I've been trying to make a payment on my XXXX XXXX XXXX ( the one you can only use at XXXX and is issued by Citi Bank ) for the last month. I used it for years, zero problems till this month when I went online to pay and when hit submit payment it didn't go through and gave me this message " payments operations disallowed due to account status ''. So I tried over the phone and didn't work so they transferred me to an agent. For 2 days I was with 6 different agents for hours and they can't figure out what is wrong, they hung up on me, transfered me to different agents without notice so eventually my payment was past due. They gave me a late fee but were able to reverse it. They said they created a case, never gave me a case number and would contact me with a solution. It has been two weeks and nothing so I decided to try again online and over the phone and the same problem. Again talked to 3 different agents for hours with no solution. We tried different checking accounts, debit cards to pay and nothing works. It's not my accounts cause I paid all my other bills and had no problem. I even tried calling Citi directly but can't get through their automated system if you don't have an account with them, since my card is not visa or mastercard, it is just for XXXX they don't recognize my account. I'm don't know what else to do, XX/XX/05 is my next payment and I don't want late fees I don't deserve. This is hurting my credit score and I just want to know why I get that message and pay my total {$280.00} and possible just close that account, don't want to go through this again.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34120
Submitted Via: Web
Date Sent: 2022-09-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-21
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: Dear CFPB, I am writing to file a complaint about Citi after an error resulted in a duplicate charge on my credit card and zero payment to the vendor. On XX/XX/2022, I processed one charge on my Citi credit card in the amount of {$92.00} to a vendor for services rendered. In return, I received one receipt from the vendor via XXXX for this same amount. However, on my monthly credit card statement from Citi, I noticed a duplicate charge to that vendor on XX/XX/XXXX, resulting in total payment to Citi of {$180.00}. On the vendor 's side, they did not see a duplicate charge -- they only received one payment of {$92.00}. I filed a dispute with Citi for the duplicate charge. As a result of the dispute, Citi issued a credit of {$92.00} to my account. At the same time, though, Citi notified the vendor that the vendor had lost the dispute and reversed payment to the vendor. As a result, the vendor was paid {$0.00}, and I paid {$92.00} to Citi. The vendor has been unable to dispute the problem on her end, because XXXX did not have record of a duplicate payment. The duplicate payment is only visible on my Citi credit card statement. I am filing a complaint because Citi seems to have pocketed the {$92.00} charge that I paid.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44102
Submitted Via: Web
Date Sent: 2022-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-21
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: Hello, This dispute is for Citibank and XXXX XXXX XXXX. I have been placed in a system where I can not open any accounts with a financial institution. I am disputing the removal of the status Citibank has under this savings account that is reported to your agency. There is a lot of inaccurate information under this account and needs to be removed. This violates my consumer rights under the FCRA. Citibank is reporting this savings account that closed back in XX/XX/2022 as checking fraud. This is a vague term and does not specify if I was a victim of fraud or someone defrauded me. XXXX XXXX will not reinvestigate this item, but can not provide me any validation of information to prove that it's accurate. This status of term is reflecting negative on my consumers report and I have been unable to establish banking because of this negative status. I need a deleted record provided to me and this comment removed under the status for this savings account. If this status/comment is not removed immediately, I will proceed with filing a lawsuit in my state. I have been a victim of identity theft and never experienced such poor resolve in my life. I have already contacted XXXX XXXX team to look into CitibankXXXX XXXX XXXX practices with consumers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60652
Submitted Via: Web
Date Sent: 2022-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A