CITIBANK, N.A.

2018-05-07

Norfolk, VA

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

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

Their investigation did not fix an error on your report
Complaint: I reached out to XXXX 's on 2 occasions asking them to send me a copy of my signature of agreement with their company or any viable evidence. XXXX 's response to me asking my to send them the information and a full account number of the item that the credit bureau is reporting as they have no knowledge of the reporting, so being that I had disputed the 3 major credit reporting bureau on numerous time and it been a sea saw they deleted the account verified the account back & forward so I requested the method of verification from the credit company XXXX & XXXX replied that they only send the disputes to the company. Now after going back and forward with XXXX 's they have sent me a generated bill with my name and account number but never sent a copy of a signed agreement or any viable evidence. PS : I'm including letter of communication
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-05-07

Hartsville, PA

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

Timely Response

2018-05-07

Van Nuys, 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 have contacted citi bank in XX/XX/XXXX to initiate a dispute against the autobody shop. The body shop returned the car to me without providing any services and they never issued the refund for the amount they charged my Citi bank credit card. I tried to call them multiple times regarding my refund but they never answered my calls. So I decided to dispute the charge with my bank because the merchant never provided any services to me. On XX/XX/XXXX I received a mail from Citi bank which I have filled and signed as instructed. After that I have never received any communication from the bank. On XX/XX/XXXX I received a letter from Citi bank advising me that they REFUSE to intervene on my behalf with the merchant and their bank and I would need to seek other means to resolve this dispute. This is shocking to me as bank did zero efforts and never contacted the merchant to help its customer in their dispute. I dont understand why the bank is refusing to file a chargeback with the merchant and request the merchant to provide documents and information for the amount they have charged. In this 2 month Citibank did nothing to help me to resolve this case and never contacted merchant or the merchants bank to find out for what their customer was charged for. I disputed the charge as the services never provided and citi bank never provided to me with any proof that the merchant provided any services to me. According to Fair Credit Billing Act and VISA and Mastercard regulations Citi bank is obligated to contact the merchant and their bank to receive a chargeback as the merchant never provided any services to me. Now Citi bank is not acting in good faith and is refusing to support their customer and refusing to follow their responabilities in this matter. I am going through this nightmare because citi bank does not want to do their job and contact the merchant to see for what reason my account is charged for XXXX USD as the merchant provided no services to me. I have never received any other communication or help from citi bank besides the letter they sent to me on XX/XX/XXXX. I am attaching Fair Credit Billing Act to my complain too.
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

2018-05-07

Cane Creek, AR

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Complaint: Citicards 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

2018-05-07

Cane Creek, AR

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 explanation

Timely Response

2018-05-07

Franklin Lks, NJ

Other features, terms, or problems

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

Problem with rewards from credit card
Complaint: Sears closed my account with out any notification to me prior to closing the account. A week before my card was due to expire, I called customer service and ordered a new card. They never mentioned the account was closed. The new card arrived after my account was closed with out my knowledge. When the new card arrived with the expired card date I called Sears Card Service. That is when I was told the account was closed. I had a very large amount of rewards points that disappeared when the account was closed. I demanded that they be returned. They quoted me that the request had to be made with in 60 days of the account closing. I was calling less than 1 week after the account was closed, well with in the 60 day period. I spent many hours on the phone between three different areas of the credit card company and also the rewards management company. They all stated they would follow up with the proper people necessary to restore my rewards points. They lied. That never happened. The rewards points have a cash value and I want them restored. Now I have another problem. I went in person to a Sears store to make my last payment. I now have no valid credit card but, I did have the bottom portion of my statement with my account information. I made a {$300.00} payment to the statement that was mailed to me 0n XX/XX/18. This week in the mail I received two statements. One statement has a late charge and no payment shown. The other statement shows a {$0.00} balance with a {$300.00} credit. I am completely frustrated trying to deal with these people and need your help please. I have been trying very hard to restore my good credit rating. This company seems to be doing everything possible to help destroy my credit. They are also very dishonest as they promised that my rewards points would be restored. That never happened. No one ever bothered to follow up with my request.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-05-07

Plano, TX

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

2018-05-07

Arco, CA

Improper use of your report

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

Credit inquiries on your report that you don't recognize
Complaint: When l checked my XXXX credit report today l realized that ; Citicards reported a hard inquiry on XX/XX/2018 which l have no idea about.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-05-07

Farmer Market, CA

Improper use of your report

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

Credit inquiries on your report that you don't recognize
Complaint: When l checked my XXXX Credit Report today, l realized that ; CITI CARDS CBNA reported a hard inquiry on XX/XX/2018 which l have no idea about it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-05-07

Farmer Market, CA

Improper use of your report

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

Credit inquiries on your report that you don't recognize
Complaint: When l checked my XXXX credit report, l realized that ; CBNA/XXXX XXXX reported a hard inquiry on XX/XX/2018 which l have no idea about.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-05-07

Coldwater, MI

Managing an account

Checking or savings account: Other banking product or service

Problem making or receiving payments
Complaint: CITI Group recently sent me this response to an inquiry about credit services : " Citibank , N.A . XX/XX/2018 Office of the President XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, MI XXXX XXXX XXXX, SD XXXX Dear We have received your inquiry that was submitted to the Consumer Financial Protection Bureau regarding Citis U.S. Commercial Firearms Policy. We have a deep respect for those on all sides of this important debate. Consumers may legally purchase a firearm with a Citi credit or debit card. In addition, there are millions of Americans who use firearms for recreational and other legitimate purposes, and we respect their Constitutional right to do so. Thank you for sharing your views, we appreciate your feedback. Sincerely, XXXX XXXX Executive Response Unit XXXX cc : Consumer Financial Protection Bureau Case # XXXX FEDERAL REGULATIONS REQUIRE THE STATEMENT PRINTED ON THE REVERSE SIDE '' My question now is does CITI Group continue to provide banking/credit card/loan services to " business '' that manufacture and/or sell guns to the public? Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-05-07

College Dale, TN

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

2018-05-07

Juniper Hills, CA

Incorrect information on your report

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

Information belongs to someone else
Complaint: On XX/XX/2017 a Hard Inquiry on a fraudulent application was submitted to CNBA On XX/XX/2017 a Hard Inquiry on a fraudulent application was submitted to Citibank N A On the day of each inquiry, I was notified by XXXX and both XXXX and myself called Citibank to notify them that was not me the application was fraudulent. Citibank took the appropriate actions and notified XXXX, XXXX XXXX and XXXX. XXXX and XXXX XXXX both removed the hard inquiry within a couple weeks. PROBLEM - XXXX will not remove without a police report. ( Police will not make a report since nothing was stolen ) I have tried for months - Two Hard Inquiries remain only on their report PROBLEM - Citibank helped during the initial dispute but now has no idea what to do. I asked them to notify XXXX that these two inquires are fraudulant and must be removed.
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

2018-05-06

Baton Rouge, LA

Fees or interest

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

Problem with fees
Complaint: Due to Citibank 's unethical, deceptive, and fraudulent billing practices, I have secured an attorney to dispute unlawful charges placed onto my account. Even though the account is currently in dispute status, and is now in litigation, Citibank continues to inflict emotional distress by placing late fees and interest fees onto the account. I spoke with XXXX in " Client Focus Services '' on XX/XX/XXXX ; and, XXXX ( from the same office ) on XX/XX/XXXX regarding the status of the account, to no avail. Although both stated that they would update my account by making note that the account is currently in " dispute, '' I continue to get statements with accrued late fees and other fines associated with the account -- all of which is very emotional taxing. I went a step further by contacting " XXXX '' in the Executive office about the harassment I am experiencing from Citibank. She was unhelpful, as she continued to reiterate the rebilled charges I should pay -- even though I paid the account in full prior to the due date.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-05-06

San Gabriel, CA

Incorrect information on your report

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

Information belongs to someone else
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

2018-05-06

FL

Trouble using your card

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

Can't use card to make purchases
Complaint: I tried to use my Citibank Prestige Card to make a purchase of a firearm at my local gun shop ; a place I have made several purchases with this card over the last 10 years. For some reason the Citi Bank Card continued to be denied. I have a {$35000.00} credit limit of which a balance of {$500.00} was on the card. I called Citibank and they said they see know problem with my card and it should be working properly. So once again I try to run the card and it is denied. So sick of dealing with it and to confirm the stores merchant equipment was not malfunctioning I used my American Express for the purchase and it promptly went through and was approved. On way home I stopped to get fuel in my car. Just to test I use the Citi Bank Card that was being denied at the gun shop and to my surprise the card promptly went through with no issues at the Gas Station. I cant help to wonder that my attempted purchase of a firearm at a gun store with my Citi Card and subsequent denial, is in not some way related to two recent releases from XXXX XXXX XXXX and Citi Bank saying they may choose not to do business with manufactures or retail stores that sell firearms. Obviously a direct infringement on my 2A right, as well as trying to prevent me from engaging in a transaction that is completely legal on both sides of transactions. This to me seems way to much of a coincidence, and merits an investigation. XXXX walls are thin at banks and now I maybe tracked ( which in itself seems to fall in a very grey area of the law ) as a gun owner by the bank ( a bank that has took it upon itself to set social policy and discriminate against law abiding firearms owners ) which may effect any credit I may apply for in the future ie mortgage, auto loan, etc. Scarier so is there ability to share/leak my personal info to other like minded financial institutions and businesses. Essentially cutting off my ability to buy and sell goods in the free market all because I have been labeled a gun owner ; something that is not only legal but is an inalienable right as a citizen of the United States. I think these matters need to be looked into and scrutinized very harshly, along with the thousands of others that will be reporting a complaint similar in nature by both merchants and customers. The CFPB must as a government agency funded by the people to protect the people from unfair and abusive business practices like I have experienced. Must move quickly and harshly to stamp out this type of political discrimination against the citizens of this country, before it has a chance to take a foothold making it that much harder to backtrack these discriminatory practices.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-05-06

Raeford, NC

Managing an account

Checking or savings account: Other banking product or service

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

Timely Response

2018-05-06

Boston, MA

Incorrect information on your report

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

Old information reappears or never goes away
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

2018-05-06

Durham, NC

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

Timely Response

2018-05-05

Chicago, IL

Opening an account

Checking or savings account: Checking account

Didn't receive terms that were advertised
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

2018-05-05

Houston, TX

Other features, terms, or problems

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

Add-on products and services
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-05-05

Warren, RI

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 with the CFPB on XX/XX/2018 ( complaint number XXXX ). The issue was involving 2 fraudulent charges on the credit card statement - one for {$120.00} which Citi cleared up immediately after receiving the CFPB complaint, the other was for {$1700.00} which still has not been resolved and cleared from our account. After several calls back and forth over a 6 week period into late-XX/XX/XXXX, Citi claimed that the charge occurred too far in the past for them to issue a credit and had us, the consumers, deal directly with the merchant. This is not how it works at any other bank ( I know from first-hand industry experience working for a bank that issues credit cards ). Citi should have recognized the fraud loss and charged down the balance on our credit card ( not the same as with general credit related losses ) and then attempted to recover the losses by going to the merchant themselves. This is why they have a massive recovery and collections department. I have never seen an instance where a fraud charge was considered " too old '' to be able to rectify the issue so I am highly skeptical of Citi 's explanation of why we needed to go directly to the merchant. Even the merchant could not believe that Citi would have the cardholder contact them ( see the attached email chain ). This whole experience was a nightmare trying to get the merchant to even respond to us without giving us the " run-around '' and Citi just made it worse by deviating from common industry protocol.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-05-05

Newark, NJ

Problem with a purchase shown on your statement

Credit card or prepaid card: Store credit card

Credit card company isn't resolving a dispute about a purchase on your statement
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

2018-05-05

Santa Monica, CA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-05-05

Fort Pierce, FL

Improper use of your report

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

Reporting company used your report improperly
Complaint: I just made a {$1000.00} payment on my credit card balance of {$3000.00}. Two days after making that payment to my credit card company I get an email that my limit has been decreased. I make substantial payments on all of my credit cards at the same time and this is the only company that lowered my credit limit immediately after. Since 2012 when I opened the account I only made the minimum required and maybe a few dollars more but not a {$1000.00} more. Now by them lowering my limit is showing me over the limit after making a {$1000.00} payment to this account. I'm trying to oncrease my credit score and this credit card company lowered my score before dubmitting my new balance to the credit bureau. I called and asked why they lowered my limit. I was yold based on the credit bureau report. If that's true then the credit bureau gave themXX/XX/XXXXs information whenXX/XX/XXXX was sent by all of my credit card companies. If they had used my XXXX payment information my credit limit would have gone up or stayed the same because all of my credit card companies were paid off or pay down to half or a third of the balances. This is how credit bureau 's stay in business by reporting out dated information to credit card companies and this is one way credit card make money off of cardholders by getting over the limit fees that they created. Before I made my {$1000.00} payment I was nit over my limit and now that I made my big payment I'm over the limit and that's because they lower mu limit right after I made that payment to better my score and to payoff my debts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response