CITIBANK, N.A.

2018-05-09

Chestnut Rdg, NY

Other features, terms, or problems

Credit card or prepaid card: General-purpose credit card or charge card

Problem with rewards from credit card
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-05-09

Jupiter, FL

Fees or interest

Credit card or prepaid card: Store credit card

Problem with fees
Complaint: I just found out that I have been enrolled ( without my knowledge ) in a Balance Protector program since 2009 as part of my Best Buy Citi Card. They have been charging me monthly despite the fact that I have never authorized nor have I enrolled in the program. I learned through just a bit of research that they have been ordered to refund these amounts, yet I was never notified of this or offered a refund in any way. In addition, I tried to receive a refund from Best Buy, but they told me I had to go through Balance Protector Processing Center directly. They were also unhelpful. These charges are predatory and deceptive, and I am requesting any help from the Consumer Financial Protection Bureau available at this time. The companies involved are Citibank, Best Buy, and Balance Protector Processing Center.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-05-09

Chicago, IL

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company isn't resolving a dispute about a purchase on your statement
Complaint: MY COMPLAINT IS AGAINST CITIBANK CREDIT CARD FOR ITS POINTED FAILURE TO CONSIDER AT ALL, MUCH LESS, GIVE WEIGHT TO THE OVERWHELMING DOCUMENTARY EVIDENCE OF FRAUDULENT CHARGE OF {$2000.00} MADE TO MY CREDIT CARD ON XX/XX/XXXX BY XXXX XXXX XXXX XXXX, XXXX & XXXX XXXX XXXX OF:XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , NY XXXX ( MERCHANT ID # : XXXX ). I BELIEVE CITIBANK 'S CONDUCT IS CONTRARY TO THE TERMS OF MY CREDIT CARD AGREEMENT, WHICH STIPULATES THAT I WOULD BE RE-IMBURSED FOR FRAUDULENT CHARGES. PLEASE SEE ATTACHED MY SWORN STATEMENTS DATED XX/XX/XXXX AND XX/XX/XXXX RESPECTIVELY, WHICH PROVIDES DETAILS OF THE ALLEGED " BAIT & SWITCH '' FRAUD PERPETRATED ON ME BY XXXX XXXX XXXX XXXX. THE GIST OF MY COMPLAINT IS THAT XXXX XXXX XXXX XXXX PREDICATED ITS UNILATERAL & PREMATURE WITHDRAWAL ON THE SAME DOCUMENTS THAT MY HUSBAND HAD PROVIDED IT DURING AN EARLIER CONSULTATION in XX/XX/XXXX-XX/XX/XXXX ( i.e. copies of my filed Petition For Review and Memorandum Arguing Against Dismissal ), WHICH XXXX XXXX XXXX XXXX STATED THAT " it had reviewed '', and that it contained " strong arguments in support of my case ''. BUT ONCE XXXX XXXX XXXX XXXX CHARGED MY CREDIT CARD FOR {$2.00}, XXXX, IT DID A 180 DEGREE TURNAROUND AND CHANGED ITS LEGAL OPINION-IN ORDER TO JUSTIFY GORGING ME. THIS IS A CLASSIC " BAIT & SWICTH '' FRAUD case-contrary to New York Disciplinary Rule 2-106 ( A ) ; RULE 1.3 ( c ), New York Rules of Professional Misconduct and the FELONIOUS CRIME of First Degree " SCHEME TO DEFRAUD '' under New York PENAL LAW, section 190.65 ( 1 ) ( b ), which stipulates that ; " A person is guilty of this felony where he engages in a systematic ongoing course of conduct to obtain property from more than one person by FALSE PRETENSES, REPRESENTATION or PROMISES, and thereby obtains property worth more than {$1000.00} from one or more such persons ''.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-05-09

Salinas, CA

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-05-09

Boulder, CO

Fees or interest

Credit card or prepaid card: General-purpose credit card or charge card

Problem with fees
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-05-09

IA

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Card was charged for something you did not purchase with the card
Complaint: on XX/XX/2017, I was XXXX at XXXX XXXX. XXXX XXXX is a club located in XXXX XXXX, CA. They have a history of this sort of activity which you will see in the attachment ( Police Investigating.pdf ). I called the 3 credit card companies ( XXXX XXXX, XXXX, Citibank ) that I have cards with in the early morning on XX/XX/2017 ( approximately XXXX XXXX when I came to ) letting them know that my card had been fraudulently charged. I immediately interrupted my travel and headed back home to Iowa as I was traumatized from the experience which is detailed in the police report which I filed ( Police Report - CC Fraud ). In terms of my interactions with the credit card companies that came to a satisfactory resolution. XXXX XXXX blocked all of the charges as fraud after my call and I owed nothing on approximately {$20000.00} charged to the card. No charges ever came through on any XXXX XXXX statement. XXXX was slower to respond and they had already processed the transaction with XXXX XXXX in the amount of {$4800.00}. It took over 5 months of working with XXXX to get them to reverse the charge and send me a letter explaining that I am not responsible for the charges. ( See XXXX XXXX ). Lastly, my dealings with Citibank. on XX/XX/2017, when I called about the fraud, they classified it as a dispute and didn't stop payment on the transaction ( this was an obvious error on their part, which was confirmed by the customer service representative that help me to get it classified as fraud ). When I noticed that the charge of {$9800.00} was still on my online statement a week later I called to re-inform them that this was fraud and should not be on my statement. The charge was then removed from my statement as they put it into fraud investigations. AS STATED ABOVE, THIS MISTAKE HAS RESULTED IN CITI PAYING THE VENDOR! I never received any contact/communication from Citibank on the status of this claim, but I called them on a monthly basis to get an update. When I called in XXXX, I specifically asked if the fraudulent charge would be on my account and subject to payment. The response from the customer service representative was no. I then found out through reviewing my XXXX XXXX bank account that {$9800.00} had been paid through auto bill pay to Citibank on XX/XX/2017. When I called and complained to Citibank in mid XXXX, they said that the charge would be reversed and they would credit my account until the investigation was complete. THE CHARGES WERE NEVER REVERSED. I have called the customer service and fraud teams on multiple occasions and have not had any luck in resolving this matter. I would appreciate the CFPB 's assistance in this matter. Attached is the history of communication from Citi ( See Citi Communication Summary.JPG ). The individual e-communications are also attached.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-05-09

North Hollywood, CA

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company isn't resolving a dispute about a purchase on your statement
Complaint: I filed a complaint against Citibank on XX/XX/XXXX regarding my billing dispute with them. On XX/XX/XXXX I am receiving 2 emails from Citi bank stating that they have attached response from the Merchant. Guess what they attached same blank letter and sent to me. I think Citi bank takes their customers as XXXX or i dont understand why a bank is sending a same XXXX blank letter to its customer stating that there is attached a response from merchant basing on which they turned down my dispute. I was hoping that there should be some levels of professionality when they send a second email to their customer trying to resolve the issue but it was not the policy of Citibank. Here I am writing my response to Citibank stating that I still would like to dispute the charge with merchant and I have sent requested signed document via cfpb to the bank. Neither Citibank nor the merchant provided a valid proof that they provided any services to me and I want the case resolved in my favour ASAP.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief

Timely Response

2018-05-09

East Rockaway, NY

Getting a credit card

Credit card or prepaid card: General-purpose credit card or charge card

Application denied
Complaint: I applied for a few general purpose credit cards and was denied this particular one, Citi AAdvantage, because of my limited credit history and too many recent credit inquiries. Then they had the nerve to tell me to apply for another card with them after they just denied me because of the inquiries. When I pointed that out to them, I was again told to wait a while -- as if they were waiting on me to die off. This is discriminatory. My application ID is XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-05-09

Columbus, OH

Problem when making payments

Credit card or prepaid card: General-purpose credit card or charge card

Problem during payment process
Complaint: On XX/XX/2018 I logged into my Citi account to make my monthly payment on the two credit cards I have with them. One card is due on the XXXX, one is due on the XXXX. I made payments to both cards that day. In the past with Citi, I had an issue with my payment not going through on one other occasion roughly a year ago and was assessed a late fee of {$25.00}. At the time, I was relatively certain ( but not 100 % ) that I had made the payment but I paid the late fee since I couldn't say with absolute certainty that I had. Since that time, I have been extremely vigilant about making sure my payments say they are processed when I make them. I can say with 100 % certainty that both payments made onXX/XX/2018 were submitted properly. I received a call from a Citi representative on my cell phone at work today. I was informed of the past due amount and when I told him that I had made the payment, he told me that the last payment was made inXX/XX/XXXX. I told him I would look into it and get back with them this evening. He kept going on and on, so I disconnected the call. I arrived home and logged onto my account and then engaged an agent ( XXXX ) via the chat feature. I gave him the information he requested, he said he would initiate an investigation, and I asked him to wave the late fee and I would make another payment right now. He told me that he was unable to do so and here we are.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2018-05-09

MD

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Complaint: My identity was fraudulently used to change my address on my Sears master card. I have a fraud alert on my credit report and a statement to call me BEFORE ISSUING CREDIT. Sears changed my address on my credit card, mailed a new credit card to a Florida address, and THEN called to ask if I had changed it. By the time they called the thief/thieves had charged over seven thousand dollars on my card. Sears is not holding me responsible for that and said they would send me a new card with a new number. I got the new card yesterday and was unable to activate it, because the thief called Sears, reported the card lost, and UNBELIEVABLY Sears sent them a new card to a different Florida address WITHOUT CALLING ME TO VERIFY whether I had made the change. I found this out when I talked to customer service to activate the card they sent me. Sears has reported the first Florida address and the {$7400.00} plus to the credit bureau, even though they know it is fraudulent. I do not live in Florida. I closed my account with Sears yesterday.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief

Timely Response

2018-05-09

AZ

Advertising and marketing, including promotional offers

Credit card or prepaid card: Store credit card

Didn't receive advertised or promotional terms
Complaint: Before making the porches I was informed that best buy head a promotion that was 48 months interest free by the customer service. Then I proceed with porches, then with in 6 moths the amount dabble. them I imitated contact the bust buy credit card and they put the account under investigation. then never head anything from them over a month. them continued to contact them about the account and I head enough them I called the city bank the bank said we cant help you it will have to be bust buy, right way I rushed to the store and they said it's still under investigation and waited and never gat anything from them and the next time I head from them the account was in collection
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-05-09

Staten Island, NY

Getting a credit card

Credit card or prepaid card: General-purpose credit card or charge card

Application denied
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-05-09

North Hollywood, CA

Managing an account

Checking or savings account: Checking account

Funds not handled or disbursed as instructed
Complaint: XXXX Getting a fraud alert doing something I do almost every day and for which there is supposed to be a note in my file. Citibank is marking my XXXX purchases as fraudulent. I buy a lot of books.almost every day because I read a, lot of books. 80 this year so far. So this is NOT unusual activity on my account. And when I called about it they wanted data I had already input. SS number, pin, account number, atm card and my password. Plus my mother 's maiden name. Only 2 of those should have been enough for something they never should have denied in the first place.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-05-09

Dallas, TX

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-05-08

Mount Pleasant, SC

Trouble using your card

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company won't increase or decrease your credit limit
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-05-08

Grand Central, NY

Problem when making payments

Credit card or prepaid card: General-purpose credit card or charge card

Problem during payment process
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-05-08

Centerbrook, CT

Fees or interest

Credit card or prepaid card: Store credit card

Problem with fees
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2018-05-08

CA

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Problem with personal statement of dispute
Complaint: My complaint is with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX I Tel : XXXX. I am in the first time home buying process and have asked XXXX XXXX XXXX sending Good faith letters on numerous occasions on my own as well as paid a company to contact them on my behalf of over {$400.00} to remove a negative late payment off my credit file and they have consistently and unfairly refused. I have never been late before the incident and after. I was out of town on vacation and left my assistant to take care of my affairs and that was the one bill which was an oversite on her part. I have a 99 % success payment rating with all three bureaus. It is unclear on my credit file when the late payment occured which has been more than two years and no longer affects my credit scores ; it is now XX/XX/2018, I want the adverse item removed. It is disturbing, violating and incredulous for XXXX XXXX to hold my credit file hostage over a {$300.00} balance. I am filing a complaint with CFPB to urge XXXX XXXX XXXX XXXX to remove the late payment off my credit file.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-05-08

Ridley Park, PA

Closing your account

Credit card or prepaid card: General-purpose credit card or charge card

Company closed your account
Complaint: XXXX XXXX XXXX closed my account due to there fee 's I do not want my credit report getting hit due to XXXX XXXX closing my account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2018-05-08

NJ

Fees or interest

Credit card or prepaid card: Store credit card

Problem with fees
Complaint: I made a purchase for {$25.00} in XX/XX/XXXX. Due to an oversight regarding the payment due date, I contacted the company in XX/XX/XXXX to make good on the payment. I paid the {$25.00} original purchase and by that time two late fees ( for a total of {$50.00} ) had been charged to the account, totaling more than the original purchase. I asked the company to please waive the fee 's given that it was an oversight, that it was only one {$25.00} purchase, which I would pay in full, that was causing the late fees. I made the {$25.00} payment and they waived one late fee, but refused to waive the 2nd one. Thus, at this point, they have been accumulating late fee 's for a late fee they refused to waive. According to a customer service representative, their policy allows them to waive 2 late fees within a 12-month period. I had not had any other late fees having not used that card in more than several months if not a year and having paid any prior purchases in full and in a timely manner. I am simply asking the company to, at this point, waive all outstanding amounts - which total {$140.00}, since they are all related to that initial {$25.00} late fee, which they have refused to waive. Therefore, the outstanding amount is as a result of the company 's fees and not any outstanding purchase amounts. The one purchase for {$25.00} was paid within 2 months in full.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-05-08

MA

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Complaint: CitiBank has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-05-08

MA

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Complaint: Sears has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2018-05-08

Wallington, NJ

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company isn't resolving a dispute about a purchase on your statement
Complaint: When choosing a credit card, security is a major priority. Having a card you know will respect your service as a customer is one of the most important things to look for in any credit card company. Citi Diamond Perfefed XXXX XXXX unfortunately can care less about their customers. I will never recommend this card to anyone. We were scammed out of {$4000.00} by a fake marketing company that did not provide any services for us. The company fought back by sending in a proof of payment ( obviously we paid them, thats the problem! ) and Citi bank took their word for it over their own customer and gave them back 4K!!!! When we called the representative apologized and told us to send in a proof of cancelation letter. We reached out to the company many times begging for this letter and they refused to send it to us. When we finally got a hold of the letter, we sent it in immediately. By the time we submitted it the due date for the letter was past due according to them, but the representative said there would be nothing to worry about since we were in constant communication with Citi. Its been almost two months and we still do not have our money back. They actually gave the money back to the scam company and when I called to speak to a supervisor today they said the time is up for this dispute. Ridiculous!! I will never trust CITI OR XXXX ever again!!! We are loyal customers and they allowed a fake marketing company to just steal our money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-05-08

Gretna, LA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account information incorrect
Complaint: I opened a credit card with XXXX XXXX on XX/XX/XXXX. I used that credit card to buy new tires for my car, I paid the balance. These are payments dates from my bank statements : ** XX/XX/XXXX XXXX Online Pmt XXXX Web ID : Citictp ( {$150.00} ) ** XX/XX/XXXX XXXX Online Pmt XXXX Web ID : Citictp ( {$200.00} ) ** XX/XX/XXXX XXXX Online Pmt XXXX Web ID : Citictp ( {$200.00} ) ** XX/XX/XXXX XXXX Online Pmt XXXX Web ID : Citictp ( {$200.00} ) I have bank statements that shows all of the above the payments. My balance was {$0.00}. I do not remember I used that credit card again. On XX/XX/XXXX, I was checking my credit report, I found that there is a report from XXXX XXXX credit card against me that they closed the credit card because of no payment of the bill. I called the XXXX XXXX credit card to investigate what is that balance and why they closed the credit card without any notification. They told me that there is a balance of {$43.00} not paid and they tried to collect it and they could not collect it so they closed the account and reported that to the Credit Bureau. I told them I am not aware of the {$43.00} bill, and I never received any notification of that balance, I did not receive any mails, Emails, or any phone calls. I asked them to fix that problem of sending a false information to the credit bureau and closing the credit card with out contacting me. They are very rude and their answer is " NO we can not do anything ''. I would appreciate it if you please could investigate my issue with the XXXX XXXX credit card and to fix their inappropriate report against me to the credit report and to remove that from my credit history.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-05-08

Philadelphia, PA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Complaint: I have hard inquiries on my credit card file for things that I did not apply for and it is affecting my credit. XX/XX/XXXX - XXXX XXXX ( Hard Inquiry ) XX/XX/XXXX - XXXX ( Hard Inquiry ) XX/XX/XXXX - XXXX Card ( Hard Inquiry ) XX/XX/XXXX XXXX ( XXXX XXXX XXXX XXXX ) XX/XX/XXXX - XXXX XXXX ( Hard Inquiry ) XX/XX/XXXX - XXXX Payments ( Hard Inquiry ) XX/XX/XXXX - XXXX XXXX XXXX ( Collection ) These companies have hard inquires all over my record and it is negatively effecting my credit score. This is ridiculous and these companies should be tarnished.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response