Date Received: 2023-06-19
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: Citibank Credit Card aware of my severe financial hardship for months now. Credit Card is unwilling to work with me making good faith payments every month. Credit card company constantly calls me and harasses me to make a larger payment than I can afford. I have tried several times to negotiate a more comfortable and affordable way to pay off the current balance. Every month, I call in to make a payment and still get harrassed or pressured and told that my good faith payment does not meet the minimum payment. I explain that I can not make a larger payment. The credit card associate threatened to send my account to collections today ( XX/XX/2023 ). Please assist me in this matter. I tried to furnish account number below. This account is now closed and still paying on balance.
Company Response:
State: CA
Zip: 90731
Submitted Via: Web
Date Sent: 2023-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-19
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: Citibank fraudulently closed case # XXXX by claiming a third party was involved. They new I filed the complaint, all details matched me as their customer except that I did use a different email address for the CFPB. I called citibank and I was told that they had already responded to the complaints and that they did not need my authorization. They knew about the complaints ahead of time and I have multiple recorded calls to verify that. I have recorded calls : 1 : Saying that an email address is not something used to verify the account 2 : No follow up is needed and they replied to the CFPB which is not true
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43220
Submitted Via: Web
Date Sent: 2023-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-19
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: Citibank fraudulently closed case # XXXX by claiming a third party was involved. They knew I filed the complaint, all details matched me as their customer except that I did use a different email address for the CFPB. I called citibank and I was told that they had already responded to the complaints and that they did not need my authorization. They knew about the complaints ahead of time and I have multiple recorded calls to verify that. I have recorded calls : 1 : Saying that an email address is not something used to verify the account 2 : No follow up is needed and they replied to the CFPB which is not true
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43220
Submitted Via: Web
Date Sent: 2023-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-19
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/2023, I went to a website which presented itself as a USPO site to purchase stamps. It looked legitimate and did not arouse suspicion. I purchased a variety of forever stamps totaling {$88.00}. Immediately after entering my payment information, the site was displayed as a " Women 's Ready to Wear '' company located in XXXX XXXX. Recognizing I had been scammed, within 5 minutes, I was on the phone with the fraud department at Citibank, speaking with " XXXX '' and asked him to BLOCK the charge from posting. I was advised that " nothing can be done until the charge is posted '' which would take XXXX days. He assured me multiple times that the fraudulent charge would be reversed after posting to my account. Since the scammers had my financial information, I chose to immediately close my account and receive a new account number. I heard nothing further after 6 days, so I called again and " XXXX '' with the " dispute resolution team '' took my call. She said, " Do not worry. It may take up to a whole billing cycle, but {$88.00} will be posted as a security credit ''. On XX/XX/XXXX, the credit was posted to my account, but was immediately reversed the same day and still appears as a charge. As of today, XX/XX/XXXX, Citibank has not reversed the fraudulent charge, and has deemed {$88.00} as " customer 's responsibility ''. I have received a shipment of XXXX XXXX from a sham company ( XXXX, XXXX XXXX CA XXXX XXXX These stamps are fake, and illegal to use. Thank-you for any help getting Citibank to XXXX its word and reverse the fraudulent charge.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-19
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Blessings, I contacted each of the companies that appears on the list and they did not help me at all, which I informed them that I would make a report for what is happening to me since I have nothing to do with this that seems to be fraud and I need you to Please help me remove it since my credit dropped because of all these inquiries that do not belong to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06902
Submitted Via: Web
Date Sent: 2023-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-19
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: There was a charge made by XXXX XXXX XXXX XXXX XXXX out of XXXX, VA for {$4000.00} on my Brooks Brothers card ( backed by CitiBank ) and when I attempted to dispute this as fraudulent Brook Brothers card ( backed by CitiBank ) is still refusing to return the funds. I contacted XXXX XXXX XXXX and XXXX XXXX and nobody can provide me with any of my signatures, any document with my name on it either. I've attempted multiple times to resolve this issue but I am not getting any luck. I hope Consumer Bureau will be able to resolve this huge amount made on my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 20110
Submitted Via: Web
Date Sent: 2023-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-19
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I already had a case open With Citibank and it was not resolved. They did not call once and when I called they closed it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 17202
Submitted Via: Web
Date Sent: 2023-06-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-20
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Their are were fraud charges in my XXXX XXXX store credit card which Citibank manages Im a loyal customer for years and my wallet was stolen and my card was used without my knowledge consent I called them their fraud dept said they wish to send me a new card but they cant because its against their bank policy this is ridiculous they said XXXX closed my account due to non payment but I never used the card to make these purchases they said they wish to have this reversed but they cant since they were unaware of these charges being fraud they closed my account for it being delinquent and now want me to reapply this is not fair
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11365
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-20
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: In last XXXX, I received notice letters from Citibank informing me that my bank accounts would be closed on XX/XX/2023 ( one checking account and two saving accounts ). To my surprise, these letters did not provide any reasons or justifications for the account closures, leaving me in a state of confusion and frustration, obviously because that Citibank reserves the right to close my accounts at any time. Now and even worse, my deep concern and disappointment is regarding the recent closure of SIX of my credit card accounts with Citibank, two issued directly by the Citibank, and four store credit cards issued and/or managed by Citibank as XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). I have been a loyal customer for the past 18 years, maintaining an impeccable financial record and utilizing various services offered by such institution, including personal loans and multiple credit cards. Therefore, I find the abrupt and unexplained termination of these credit cards highly unprofessional and inexcusable. This not only poses a significant inconvenience in my daily basis life, but also raises serious concerns about the negative repercussions for the impact of closing SIX CREDIT CARDS simultaneously on my credit profile which I have started precisely with Citibank, and I have diligently nurtured over the years during the long-standing relationship with Citibank. Therefore, I expected at least a respectful and transparent communication, and a fair treatment, rather than such an abrupt and distressing action Honestly, I don't want to believe that all this incident and this treatment to me, is all about my XXXX orientation as XXXX, since it is the only reason that the Citibank could has to break with my financial relationship, which means : DESCIMINATION. That is what I feel, and that is what I have heard, that the Citibank makes DESCIMINATION by XXXX orientation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-20
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: The card company declined my card for a week but will not tell me why. It was paid in full, in good standing and way below the credit limit. Every time I call the system recognizes the number I call from and automatically puts me on a 10-15 minute hold to talk to the " Fraud Department ''. That department refuses to discuss my card details with me, in spite of me providing my security word, my zip code, and the last 4 digits of my social security number. I also confirmed that I did not have any other Citibank products.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 110XX
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A