Date Received: 2022-12-09
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: On XXXX XX/XX/2022 at XXXX XXXX XXXX I received a telephone cal from XXXX XXXX XXXX XXXX XXXX XXXX regarding an unpaid debt for a Citibank Visa card that I held over 10 years ago, which remained unpaid. I have never received any kind of debt verification from either this collector, or from Citibank. I have asked XXXX XXXX XXXX to send me verification of this debt. I no longer have any documentation of regarding this Citibank credit account. I held this account over 10 years ago. After speaking to the Representatives from XXXX XXXX, I did a search on XXXX regarding this firm, which was given the grade of XXXX XXXX XXXX XXXX XXXX XXXX I gave the rep my current address, since I requested written verification of the debt, sent by U. S. Mail, which they were reluctant to provide. They were advising me to contact Citibank for that verification from their archives. I contacted Citibank, and even though I never paid off the debt, they no longer had any information on that account, especially since the account was closed over 10 years ago. I then spoke to my attorney regarding the statute of limitation on collecting an old debt. According to him, this statute varies by state. When I initially applied for this card, Citibank had their credit card operations in XXXX XXXX. According to information I found on XXXX, XXXX XXXX XXXX statute of limitation on debt collection is 6 years. With the information I was able to gather, I am convinced that I was targeted again by a scammer. Once I have written verification, I will add additional from XXXX XXXX regarding this issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 17408
Submitted Via: Web
Date Sent: 2022-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-09
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/2022, I received an email stating that a recent payment I'd made had been returned by my bank and asking me to make a replacement payment. Because I had autopay set up on my credit card account and because I knew there was plenty of money in the account, I was confused. I logged into my credit card account and a payment of {$41.00} had been returned by my bank. The payment had been made over the phone from an account that had been closed for 6 months. I did not make this payment. I called the customer service line right away and spoke with three people. They could not provide me with the phone number from which the payment was made. They would not let me hear the recording of the payment call, and could not tell me anything about the call. I pointed to my payment history, which has been via autopay from a different account. I expressed concern that my card might be compromised in some way. After more than an hour on the phone, I got one of the customer service reps to agree to open an investigation into the situation. Today ( XX/XX/2022 ) I received a written letter in the mail from my credit card company stating that " to remove any returned payment information or fees from your account, we'll need a signed letter from the financial institution. ''
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78741
Submitted Via: Web
Date Sent: 2022-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-09
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: When I first started this account back in XXXX I dont the date but I put money on my card I was at the store and my card wasnt working so I called them they said I had to call them to activate when that should have been told to me in the beginning when I activated my card on the app it said ready to use. it never said nothing about calling citi bank to double activate your card lol never heard of that if it did also when I asked to speak with supervisor or manager they denied me all the times when I called and asked to be honest I dont even know if they have a supervisor because I never got a Chance to speak with one I also waited literally 1 hour after they hung up on me to talk to another person that person wasnt speaking good understandable English they also said my phone number thats in my legal name they said they couldnt verify it under my name which they did when I opened the account so after all that I finally got to speak with someone who helped me get my account back from being blocked he legit told me over the phone that my account is back to working which I was lied to they keep saying security needs to talk to me when I already talk to them and other in they departments Im late on rent and my bills because they holding my check
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 61201
Submitted Via: Web
Date Sent: 2022-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-10
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: A Bloomingdales credit card was open fraudulently in my name. When I was made aware of the card I paid the entire principal plus interest on the card and asked several times that this account be taken off my credit reports ; I sent several statements to Bloomingdales agreeing to pay the balance on the card for that fraudulent account to be removed from my credit report. They instead tacked on interest during the pandemic when it was national health emergency. There were no adjustments or deferments made by Bloomingdales during this national emergency even though consumers were forced to leave their jobs. I reached at to Bloomingdales SEVERAL times asking them to remove this fraudulent account from my credit report and they totally disregarded the fact that the account was fraudulently opened in 2019. They claimed this account was a charge off even though I have not received any information about this account being in collections. That Bloomingdales credit card was not open by me and should be removed from my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 075XX
Submitted Via: Web
Date Sent: 2022-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-10
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: Received random call female left voicemail stating personal information about me and I owe Citibank money. I do not have a Citibank bank card. I returned number to clarify this misinformation. I called from other device and when I was connected and given reference number. A female then transferred me to a male stating my social security which I refused to supply and the male said I owe Citibank money and were coming to my home address within the hour to collect. I refused any information and denied having a Citibank card. The male told me to XXXX XXXX. I then replied this is a scam and I would be reporting this information immediately. The phone number came from XXXX florida XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33410
Submitted Via: Web
Date Sent: 2022-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-10
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: during the pandemic i called citibank to see if their was anything that they could about the annual fee i was charged every year of {$95.00} for the aadvantage card. They said no, ( something they had done for me in the past ) and that instead they could downgrade me to the citi addvantage mileup card. I asked what the difference between the cards was and they told me the annual fee would go away as well as the free checked baggage but that everything else would stay the same. As it was the pandemic i was not planning on travelling anyway so i didnt need the checked baggage. So i decided to go for the mileup card. what i did not know 2 years later was that the foreign transaction fees were also going away. I recently took a trip with nothing but the citi aadvantage card and my debit card. Just incase i wanted to call and set up a travel alert on my account. upon doing that i asked about the foreign transaction fees just incase anything as far as i knew had changed. I was told that this card did not have no foreign transaction fees and instead it was a 3 % fee. As you could imagine i was really upset knowing i was going to have to put all of my accomidation on this card. I spoke to a representative on the phone... at first he said their was nothing he could do then he said he could reverse all the foreign transaction fees. i told him that would be alot of work and what if i upgraded back to my other card that had the free foreign transaction fees and could they waive the fee of {$95.00} since i was misinformed. he said the fee is waived for the first year and connected me to another representative. when i spoke to this representative she said that it was only free for the first year if thir was a promo on my account which their was not. and that i would also have to pay the {$95.00} and if i signed up for that card it would not help me anyway because it would take 11 days to actually start on my account. she then said the rep had misinformed me. at this time i requested a supervisor. when i spoke to the supervisor she said that basically the first rep had been incorrect about everything. i told her it wasnt just this rep but the one before when i downgraded did not tell me id be losing my foreign transaction fees. also that this rep said he would credit all of the 3 % fees back to my account which the supervisor was telling me was not possible and their was also no way to waive the {$95.00} fee i was told was free for the first year. Not only is this unacceptable for a XXXX XXXX bank but its unprofessional. the only thing i was offered was XXXX points to my aadvantage card which i obviously accepted but they are not worth nearly all the fees i was charged and a promise that the rep would be coached about the issue. I think its great to offer the staff a coaching but that doesnt help me or my situation. It was only after seeming completely dissatisified and beyond upset i was offered the measly 1000 points. The past experiences were always great with citi which is why i have stayed with them for so long, but after this i will be looking elsewhere for a mileage card that values its customers and not only their money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 12603
Submitted Via: Web
Date Sent: 2022-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Incorrect credit reporting on my credit file
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: 2022-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-08
Issue: Money was not available when promised
Subissue:
Consumer Complaint: Dear Consumer Financial Protection Bureau Officers, Dear CITIBANK N.A. Management, Unfortunately I'm reaching out to you again for the recurrence of the issue I faced on my complaint XXXX. After 5 Months this issue is recurring causing a financial damage for me, unnecessary occupying of Financial Institutions manpower because of the lack of smart monitoring system. I'm a remote-employee for an XXXX company which remits my money on regular basis monthly via XXXX XXXX wire transfer. For some reason when my employer types my name in full : XXXX XXXX XXXX XXXX in a single line it triggers your intermediate bank risk assessment, However I've already gone through investigation from CITIBANK N.A. Having their reference number : XXXX. The issue now is coming up for my XXXXXXXX XXXX XXXX. The sender has remitted the money on XX/XX/2022 and now CITIBANK N.A. as an intermediary bank is holding the money and re-asking the same questions that was already provided not so long ago in the previous Investigation. Gratefully I was able to get the money on the previous incident after reaching out to your CFPB now I'm feeling sorry to re-engage CFPB in following up with CITIBANK N.A. Attached the XXXX XXXXXXXX Message for my current issue. XXXX, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-08
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 paid an agreed a pun amount between myself and Macy`s for credit card debt. After I paid them they sent a letter dated XX/XX/XXXX stating my account balance is XXXX. On XX/XX/XXXX they reported to all credit bureaus that I owed a high amount of debt.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23505
Submitted Via: Web
Date Sent: 2022-12-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-08
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have to wire approximately {$190000.00} to my closing agent for a down payment on a house. The closing is set for XX/XX/2023 at XXXX XXXX. I have to break the wire into 4 transactions because CITIBANK allows only {$50000.00} transfer per day. The first approximately {$49000.00} completed quickly. The second wire, {$50000.00} was placed on temporary hold. I contacted CITIBANK customer service regarding the urgency of my situation. I was told that that's a corporate policy and nothing can be done other than an email which my or may not be looked at. I need all of the holds removed ASAP.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32773
Submitted Via: Web
Date Sent: 2022-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A