Date Received: 2023-03-21
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: My identity is stolen due to my wallet and spare phone ( synchronized everything with my primary phone ) was stolen around XX/XX/2022. My identity includes my driver 's license ID, photos on the phone ( including myself holding the driver 's license ID for identity control verification required by my employer and credit card photos ), passwords to banks and emails, and several physical credit cards. I noticed many international fraudulent charges to seven of my credit cards : ( 1 ) XXXX XXXXXXXX XXXX XXXX, {$4400.00} ; ( 2 ) XXXX XXXX XXXX XXXX, {$12000.00}. I never authorized any of the transactions in a total of the above amounts. I contacted CITI via phone and sent out the victim reports via XXXX XXXX. It's been several months and the fraudulent charges are still not resolved. I provided the police report to support the fraud activity ( XXXX ) but the bank does not cooperate with the ID theft process and requested I to be in charge of the balance. The bank has been requested me to provide information to be in charge of the transactions that were made by fraudulent parties even though I provided the ID theft information multiple times.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94901
Submitted Via: Web
Date Sent: 2023-03-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-21
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: I applied for a Wayfair Card through Citibank and ultimately made a purchase. During the process i had to return an item through XXXX XXXX. Through the XXXX XXXXXXXX app I saw the item was rerouted to someone else 's home. I contacted Wayfair immediately to start an investigation and was never contacted afterwards. The first correspondence I received was a bill. I explained to them that a portion of the bill was fraudulent and I asked that an investigation take place to sort this out. Instead I was ignored and payment was demanded. I was also told the credit card was closed months ago yet yesterday I received a correspondence yesterday which states otherwise. I am also getting two bills from two different ( Wayfair and Citibank ) entities for the same debt. They are literally trying to make me pay double the amount. No one on this entire company will or has tried to rectify the issue. Instead they demand payment even though there is possible fraud on the account./
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-21
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I paid bill due XX/XX/XXXX via online billpay with my bank on XX/XX/XXXX. I received a new bill in XX/XX/XXXX showing previous amount plus late fee and interest. I disputed charge via their online system. They said I needed to provide proof of payment. I sent a copy of the Check from my bank that was deposited on XX/XX/XXXX well before due date. I got correspondence that payment was credited but I got a new bill showing a late fee. After several attempts to correct this I am seeking your assistance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-21
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: 3 fraud charges on my Citi Diamond Preferred credit card, XX/XX/XXXX {$140.00}, XX/XX/XXXX {$140.00}, XX/XX/XXXX {$140.00}. These charges were disputed with Citi Bank in XX/XX/XXXX when I started receiving late payment emails from Citi. I called them to report that they were fraudulent, I was told they would open a case. I continued to get late payment emails and phone calls asking for payment. I called them many times between XX/XX/XXXX and XX/XX/XXXX and have spoken to many representatives who say this will be resolved, there are language barriers and most of the reps seem to have trouble understanding. There were 2 cards involved, the original card that had the fraud and a replacement card they sent me. Apparently all the fees and late charges from the original card were transferred to the new card ( I canceled this new card on XX/XX/XXXX ) because I want to end my relationship with them due to their incompetency in resolving this issue. I sent them a letter dated XX/XX/XXXX explaining all of this in writing, I have not received a response. What concerns me the most is that this has impacted my credit score which has always been in the low XXXX 's now it is XXXX. I became a widow 2 years ago and count on my outstanding credit for my future needs. Before these fraud charges occurred I had not used this card in a few years, I should not be responsible for any amount due. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 077XX
Submitted Via: Web
Date Sent: 2023-03-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-21
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I am citibank customer for more than 20 years since we live in Florida i had a fraud case in my account number XXXX beginning of XX/XX/2023 that i call and reported While they deposited back after i issue two more complains with your bureau the fraud money they block my account since mid XXXX In the mean time a failed to pay my mortgages credit cards and destroy my credit after several and many hours speaking to various representative in Citibank a very nice lady agreed to send me the remaining funds in my account thru next day delivery by XXXX and she give o me the tracking number XXXX tracking XXXX This call was XX/XX/XXXX and since then I receive nothing I call again and i spend hours of my working time to tell me that I have to call again Friday I reserved my right for future claims against Citibank for all the hours i spend in the phone the interest rates that i pay in my credit cards the late fees in my mortgage 's and the credit damage
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 980XX
Submitted Via: Web
Date Sent: 2023-03-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-21
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: In XXXX, I opened a Best Buy Citi Credit Card. Since XXXX, I have rarely used it ( I have maybe used it once or twice ). Around early XXXX of XXXX, I checked my credit report, and noticed that my credit score had unusually gone down. I have the XXXX XXXX, which allows me to see a snapshot of all my accounts, and it said for my best buy citi card, my credit utilization was $ XXXX {$4000.00}. Obviously I did not make this purchase. I took a deeper dive into my best buy account, to learn that an XXXX XXXX XXXX, and XXXX XXXX were both purchased using my credit card. I have this credit card, so I am not sure how this was possible. It appears it was purchased in store at Best Buy in XXXX, IL. I live in XXXX, IL. So I filed a report with the citi Best Buy credit card security team, and they are currently working on the issue. They issued me a new Best Buy Citi Credit Card. I don't plan to use it and I am going to close both accounts once the problem is resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60654
Submitted Via: Web
Date Sent: 2023-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-21
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/23 a hard inquiry appeared on my XXXX credit report in the name of XXXX. I called XXXX. They bounced me from agent to agent and then finally told me to call the phone number associated with XXXX showing on my credit report. I called the number and the system demanded my account number or social security number just to speak with someone. There was no option to report fraud or any option to speak with a human w/o entering my social security number. I finally got through to an agent who simply told me I had no account and that I needed to contact XXXX to have the hard inquiry removed. Below is the contact information that appeared on my credit report. Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29732
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-21
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: HI, I WAS SICK WITH XXXX AND 2 DAYS LATE ON MY CITIBANK CREDIT CARD PAYMENT. I IMMEDIATELY PAID IT. I ALWAYS MAKE MY PAYMENTS ON TIME OR BEFOREHAND EVERY SINGLE MONTH. THEY CHARGED ME A FEE AND REPORTED ME TO THE CREDIT BUREAUS FOR 2 DAYS LATE WHEN I HAVE ALWAYS BEEN ON TIME. I ASKED THEM TO REMOVE THE MARK ON MY CREDIT REPORT AND I WAS SENT A LETTER STATING THAT THEY WILL NOT REMOVE IT. I WANT IT REMOVED FROM MY REPORT.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11385
Submitted Via: Web
Date Sent: 2023-03-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I was contacted by a debt collection agency XXXX XXXX XXXX XXXX about a debt to Best Buy on XX/XX/XXXX, XXXX the woman who said her name was XXXX insisted that I verify my last 4 which she read off -- she said I owed best buy XXXX and I do nit have an account with Best Buy she called from the following Number XXXX XXXX XXXX XXXX _ I looked at my credit report an did nit see the debt - they claim they will garnish my wages
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30269
Submitted Via: Web
Date Sent: 2023-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-21
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have been in dispute with Citi Bank over an account takeover that took place on XX/XX/XXXX. I contacted Citi immediately on XX/XX/XXXX and XX/XX/XXXX. Since the account takeover, I have filed a police report and provided this to Citi Bank multiple times via phone calls on these dates : XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX and I have communicated with Citi Bank tirelessly via phone calls and fax that over {$15000.00} in unauthorized charges were taken out of my Deposit account on XX/XX/XXXX. As a result of Citi Bank allowing the Fraudster to act on my behalf as the consumer and allow the account takeover on XX/XX/XXXX additional unauthorized accounts were opened in my name, they applied for a personal loan, along with additional unauthorized funds transferred out of my account. I was notified of this by Citi once I was able to talk to a validated Citi employee and as of today, XX/XX/XXXX, I have not received any provisional credits based on Regulation E and Regulation Z. I have appealed all of the open cases with evidence of this account takeover and Citi Bank has not provided evidence as to why these cases have not been resolved and provisional credits not provided. As a consumer who has been banking with Citi Bank for several years, I find these actions from Citi Bank to be very dismissive, irresponsible and lacking accountability as a top XXXX financial institution. As of today, XX/XX/XXXX, I have contacted Citi Bank for the 7th time and I'm getting the same responses over and over again, 'they have opened an appeal '. Ultimately, I want this resolved and the funds returned to my account. I am also notifying the Attorney General 's office.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 913XX
Submitted Via: Web
Date Sent: 2023-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A