Date Received: 2022-11-11
Issue: Getting a line of credit
Subissue:
Consumer Complaint: I am a victim of XXXX scam. I received a text and a phone call on XX/XX/XXXX, XXXX ( Colorado time ) from a scammer posing to be a citibank employee claiming to help dispute an unauthorized charge on my checking account. It resulted in opening XXXX new checking account and getting unauthorized approval for a personal loan of {$7800.00} ( I received citibank emails confirming these processed within minutes ) which then the scammer transferred the entire loan amount and about {$1900.00} of my personal fund from those checking accounts to another account via XXXX transfer resulting around {$10000.00} of transfer. The loan was approved on XXXX, XXXX ET ( XXXX Colorado Time where I reside ) XXXX and shows up on my online banking as " ADJUSTMENTS '' transaction type. I will file multiple separate report regarding each XXXX transfer that is recorded on my banking statement. After realizing the fraud/scam/breach, I started contacting Citibank customer service around XXXX ( Colorado Time ) and informed the bank of the situation. I was working with " XXXX '' from " unsecured lending account department '' which she relayed the info and transferred me to " security department. '' XXXX made a comment that usually the approved loan amount does not get processed for XXXX business days and transferred my phone call to " security department ''. The representative from this department processed " blocking '' of all citibank checking accounts and loan accounts under my name, and informed me that the " investigation department '' will contact me for further guidance. I asked multiple times that since " all the charges that were made on this day XX/XX/XXXX are result of fraudulent process and it is shown as PENDING on the bank account '', if they can reverse or cancel the XXXX or loan process charges made this day. They informed me that the while the account is " blocked '' that would prevent those accounts from further transactions, but they will keep the account for the investigation team to collect information from. The call between citibank and myself lasted XXXX. After quickly leaving my work and preparing myself for further follow-up actions, I contacted Citibank again at XXXX ( Colorado time XXXX at home to verify and inquire more about what I can do. The XXXX XXXX of phone call with the Citibank representative repeated the same information informing me to wait for the investigation team to contact me back, and that they have block all related accounts under my name. They also recommended me to open a new checking account so that the refund money can be easily transferred back to me when the dispute is settled which I complied to. I asked them how can I be sure of that the process/action has been made, and the representative informed me that I would be getting the communication via my email or mail. At XXXX, without the mentioned confirmation email of the action against this fraud report sent to me ( I did received an email from Citibank for opening up my new account though ), I contacted the customer service again to verify and to request a written/documented confirmation of the events of this day. The representative repeated the same information mentioned above saying that all accounts are blocked and I should wait for their team to contact me back. I am reporting that I have NOT received any follow up email from Citibank regarding this fraud that I am experiencing. My online banking is " locked '' from laptop access, but I can still access it from my smartphone and I will report individual charges to CFPB as recommended from the website. Please contact me for any information or recommended actions that I can take from my side. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80015
Submitted Via: Web
Date Sent: 2022-11-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-11
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I am a victim of XXXX scam. I received a text and a phone call on XX/XX/XXXX, XXXX ( Colorado XXXX ) from a scammer posing to be a citibank employee claiming to help dispute an unauthorized charge on my checking account. It resulted in opening XXXX new checking account and getting unauthorized approval for a personal loan of {$7800.00} ( I received citibank emails confirming these processed within minutes ) which then the scammer transferred the entire loan amount and around {$1900.00} of my personal fund from those checking accounts to another account via XXXX transfer resulting around {$10000.00} of transfer. I have already filed a form ( complaint number : XXXX ) regarding unauthorized loan approval. This complaint is regarding unauthorized/fraudulent opening of XXXX new checking accounts on the same day and time. Despite receiving an email out for potential " fraud alert '' which Citibank themselves sent on XX/XX/XXXX XXXX ( Colorado XXXX XXXX ), XXXX new checking accounts have opened within short period of time XXXX and XXXX on the same day. Scammer has used these tools to transfer personal fund of about {$2000.00} ( the last statement balance was {$1900.00} ) from my existing checking account that I had for more than 10 years and the fraudulently approved loan amount of {$7800.00} within minutes navigating between XXXX above mentioned checking accounts. After realizing the fraud/scam/breach, I started contacting Citibank customer service around XXXX ( Colorado XXXX ) and informed the bank of the situation. I was working with " XXXX '' from " unsecured lending account department '' which she relayed the info and transferred me to " security department. '' XXXX made a comment that usually the approved loan amount does not get processed for XXXX business days and transferred my phone call to " security department ''. The representative from this department processed " blocking '' of all citibank checking accounts and loan accounts under my name, and informed me that the " investigation department '' will contact me for further guidance. I asked multiple times that since " all the charges that were made on this day XX/XX/XXXX are result of fraudulent process and it is shown as PENDING on the bank account '', if they can reverse or cancel the XXXX or loan process charges made this day. They informed me that the while the account is " blocked '' and that would prevent those accounts from further transactions, but they will keep the account accessible for the investigation team to collect information from. This call between citibank and myself lasted XXXX. After quickly leaving my work and preparing myself for further follow-up actions, I contacted Citibank again XXXX XXXX ( Colorado XXXX XXXX at home to verify and inquire more about what I can do. The XXXX XXXX of phone call with the Citibank representative repeated the same information informing me to wait for the investigation team to contact me back, and that they have block all related accounts under my name and the PENDING transactions should not be processed as the accounts are now in this " blocked status ''. They also recommended me to open a new checking account so that the refund money can be easily transferred back to me when the dispute/investigation is settled which I complied to. I asked them how can I be sure of that the process/action has been made, and the representative informed me that I would be getting the communication via my email or mail. At XXXX, without the mentioned confirmation email of the action against this fraud report sent to me ( I did received an email from Citibank for opening up my new account though ), I contacted the customer service again to verify and to request a written/documented confirmation of the events of this day. The representative repeated the same information mentioned above saying that all accounts are blocked and I should wait for their team to contact me back ( XXXX minute phone call ). I am reporting that I have NOT received any follow up email from Citibank regarding this fraud that I am experiencing. Viewing my online banking account is now " locked '' from laptop access, but I can still access it and find some information from my smartphone app and I will report individual charges to CFPB as recommended from the website. Please contact me for any information or recommended actions that I can take from my side. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80015
Submitted Via: Web
Date Sent: 2022-11-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-12
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 little XXXX XXXX XXXX kid use my XXXX to order kid meal from XXXX {$25.00} without my permission. I cancel that order right away and never received any order ( restaurant didn't make it ). I call Citi to dispute this charge cause I didn't recognize. They refund me, but a month later, they charge me again from Citi XXXX card ending XXXX I didn't agree this result, so I chat someone in Citi. She said she already successful credit me back. Let me wait 2-3days, credit will refund to my account again. But 10days already, I received nothing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11725
Submitted Via: Web
Date Sent: 2022-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-11
Issue: Fraud or scam
Subissue:
Consumer Complaint: I am a victim of XXXX scam. I received a text and a phone call on XX/XX/XXXX, XXXX ( XXXX XXXX ) from a scammer posing to be a citibank employee claiming to help dispute an unauthorized charge on my checking account. It resulted in opening 2 new checking account and getting unauthorized approval for a personal loan of {$7800.00} ( I received citibank emails confirming these processed within minutes ) which then the scammer transferred the entire loan amount and about {$1900.00} of my personal fund from those checking accounts to another account via XXXX transfer resulting around {$10000.00} of transfer. I have already filed previous complaint regarding fraudulent loan approval ( Complaint number : XXXX ) and fraudulent openings of 2 checking accounts ( Complaint number : XXXX ). This report is regarding multiple fraudulent transfer of money. Details or transfers will be found in provided screenshot attachments. 1 transfer under checking account ending with XXXX, 1 transfer under checking account ending with XXXX, and 6 transfers/transactions under original account ending in XXXX which I have used since the first opening of citibank account XXXX I believe ) more than 10 years ago created in New Jersey XXXX After realizing the fraud/scam/breach, I started contacting Citibank customer service immediately around XXXX ( XXXX XXXX ) and informed the bank of the situation. I was working with " XXXX '' from " unsecured lending account department '' which she relayed the info and transferred me to " security department. '' This representative transferred me to another department which I was informed that they processed " blocking '' of all citibank checking accounts and loan accounts under my name, and informed me that the " investigation department '' will contact me for further guidance. I asked multiple times that since " all the charges that were made on this day XX/XX/XXXX are result of fraudulent process and it is shown as PENDING on the bank account '', if they can reverse or cancel the XXXX or loan process charges made this day. They informed me that the while the account is " blocked '' that would prevent those accounts from further transactions, but they will keep the account for the investigation team to collect information from. The call between citibank and myself lasted 47minutes. After quickly leaving my work and preparing myself for further follow-up actions, I contacted Citibank again at XXXX ( XXXX time XXXX at home to verify and inquire more about what I can do. The 1hour 18minutes of phone call with the Citibank representative repeated the same information informing me to wait for the investigation team to contact me back, and that they have block all related accounts under my name. They also recommended me to open a new checking account so that the refund money can be easily transferred back to me when the dispute is settled which I complied to. I asked them how can I be sure of that the process/action has been made, and the representative informed me that I would be getting the communication via my email or mail. At XXXX, without the mentioned confirmation email of the action against this fraud report sent to me ( I did received an email from Citibank for opening up my new account though ), I contacted the customer service again to verify and to request a written/documented confirmation of the events of this day. The representative repeated the same information mentioned above saying that all accounts are blocked and I should wait for their team to contact me back. I asked again since the XXXX payments were all in " pending status '', if that will be reversed or not processed. At that point, the representative informed me that the XXXX payment will not be processed answering my specific question. I am reporting that I have NOT received any follow up email from Citibank regarding this fraud that I am experiencing. My online banking is " locked '' from laptop access, but I can still access it from my smartphone and I will report individual charges to CFPB as recommended from the website. Please contact me for any information or recommended actions that I can take from my side. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80015
Submitted Via: Web
Date Sent: 2022-11-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-12
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: In XXXX of XXXX I applied and received a balance transfer Citi XXXX offer for a balance transfer of XXXX at 6.99 % for 24 months. The monthly payment plus interest included in monthly payment is supposed to be XXXX I have paid this amount plus more at times and the full balance on each billing cycle/ statement as I use the card for my current work purposes. I was reviewing my statements XXXX and was alarmed as I not only have been charged finance charges on unexplained portions of my balance transfer that were not agreed to but there is another promotional activity called Rt Sale Offer 4 that I did not sign up for that has taken another unexplained amount of my balance transfer and started adding my monthly charges per month, that I pay in full, and are charging me an interest rate that appears to be accumulating. I called customer service immediately and was disconnected the first time, and the result of the second call was that I will be notified in 7-10 days. This is a serious matter as far as I am concerned and should be addressed immediately. Non-authorized activity of moving some of my balance transfer amount and adding interest to charges I pay off every month to a promotional offer I did not sign up for seems illegal to me. If Citibank feels these are tactics they can use to confuse consumers into paying interest charges then they are messing with the wrong person. I will be seeking counsel should I feel this is not being rectified in a timely manner, and then there is always XXXX XXXXo bring attention to warn other consumers. I am dismayed at the lengths some companies will go to for an XXXX dollar. I hate to think of how many consumers XXXX XXXX XXXX XXXXXXXX who was not getting paid high dollar during XXXX, and whose partner was unemployed for XXXX years, who are trying to pay off the accumulation of XXXX XXXX bills the right way, but not astute enough to figure out these tactics, where they are actually being taking advantage of. It brings me back to another related point. I have always had good credit and my score remained high, but because I had added this amount to my debt ratio, it was hard to find a decent balance card transfer offer. The same companies that denied me or did not have any offers of being able to lower my interest rate, were sending me pre-approved offers for other credit cards. For what? To see if I could accumulate more debt so they could collect additional interest charges. The American way. Once this is rectified and I can pay this off, I will not be doing business with any of these establishments that turned their backs when I needed a helping hand, and certainly not with ones who are trying to take advantage of someone's financial situation. If they did it to me, I can only imagine how many others have been treated the same. I did not turn my back or try to take advantage of others when XXXX XXXX XXXX XXXX XXXX XXXX. Another sad reality of big business, XXXX XXXX, poor leadership and just not doing the right thing. I see this is not the first time Citibank 's ethics have been questioned.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77063
Submitted Via: Web
Date Sent: 2022-11-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-10
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Citibank XXXX XXXX Department is using unreasonable and unfair practices to " verify '' my checking account to the extent that it is impossible to verify myself to remove whatever alerts that they claim that I keep occurring on said checking account. I currently have my up-to-date contact information ( email, phone number, and home address ) on file with Citibank, yet, the Fruad Department keeps insisting that they need to send me a code to a phone number that I do not have access to any longer, and all because it's allegedly on my " public records '' But, what difference does it make if I have a XXXX alledged " phone numbers '' on my " public records '' if none of them are my current phone number that I actually have access to? This is unreasonable and unfair business practices because on XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022, I spoke with 8 different rude employees on the phone regarding this matter, and three of them disconnected the call while I was still talking with them. And all eight of them continued to talk over me. Before this last time of having to " verify myself '' they were able to send me text messages to the phone number on my account. I went into the Citibank branch to speak to an employee on XX/XX/2022, and she was dismissive and refused to help me resolve and verify my account as well. I need my account verified within logical and reasonable reasoning.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92883
Submitted Via: Web
Date Sent: 2022-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-10
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: Dear Investigating Officer, On XX/XX/2022, I initiated a balance transfer using my Citi Double cash card in the amount of {$9000.00} plus {$270.00} balance transfer fee to pay off a part of my personal loan with XXXX XXXX XXXX. However, I was surprised to see that the charge got posted as balance transfer made to XXXX XXXX XXXX XXXX. I never mentioned to Citi or filled up their online balance transfer form mentioning XXXX XXXX as my creditor. For the records, I NEITHER have any outstanding balance with XXXX XXXX NOR have any personal loan with them ( I can provide documentation for the same ). I even called XXXX XXXX customer fraud protection department to verify if they received any check against the account number with my name that I initially provided to Citi when I submitted a request. They denied receiving any such check from Citi in the amount of {$9000.00} on XX/XX/2022. Therefore, I recognize the {$9000.00} balance transfer charge ( Merchant : XXXX XXXX XXXX XXXX ) posted on my account as fraudulent and request that it is immediately credited back to my account. Its just frustrating that Citis online balance transfer application is so broken and incompetent that it couldnt match the account number with the bank name that I provided in the first place. Whats even more frustrating is that it was sent to XXXX XXXX which is not even in the picture whatsoever. Now when I tried to contact Citis customer service, they abruptly ended the chat without providing a proper explanation/resolution as soon as they realized they messed up. When I contacted them over phone, they merely mentioned they needed to first verify where the check ended as it is reflecting on my credit card statement as processed/posted. More than offering me help and resolving my issue by issuing me a refund immediately, they seemed more concerned with the error they made on their end and made it seem as if I was the one at fault. Personally, I feel CITI should cease their Credit Card product offering if they are not able to protect customers assets and their credit history/file which they worked so hard on for years. Thank you for your help and assistance in this matter. I hope for a speedy resolution and request {$9000.00} fraudulent charges and {$270.00} balance transfer fees refunded back to my Citi Double Cash account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32216
Submitted Via: Web
Date Sent: 2022-11-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: MACY CREDIT DEPARTMENT, I tried for the last year to dispute account that doesnt belong to me, I even called them and paid them the balance of this unknown account, I got very frustrated because this account that doesnt belongs to me was hurting me, and my credit report, .Can you please ask the for proof and to delete this account off my credit report.thanks
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33138
Submitted Via: Web
Date Sent: 2022-11-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-11
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/XXXX my family and I checked in at XXXX XXXX XXXX in XXXX, XXXX ( last room available ). Found a/c not working! After the front desk tried to reset it 4 times they finally said that it must not be working. It was in the XXXX 's at this time and we were on the first floor with XXXX little window that would only crack open a little bit. It was a ruff night! I disputed 50 % of the total bill ( {$250.00} ) not was denied by Citi Bank ( XXXX XXXX ) card ending in XXXX and received no compensation from neither one. It's not fair that the XXXX gets paid in full for a room that not in 100 % working order!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33165
Submitted Via: Web
Date Sent: 2022-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-11
Issue: Credit monitoring or identity theft protection services
Subissue: Didn't receive services that were advertised
Consumer Complaint: Credit monitoring or identity theft protection services ( billing dispute, unwanted marketing, problem cancelling account Did not receive outline of Do Not Refer Businesses During the Process of Company being opened ( FTC Complaints, XXXX XXXX, XXXX XXXX XXXX ) Posted information about my patients Health Records during the time without consent, Failed to attend 2 Fair Hearings leading to worsened Medical experience and showed other customers first priority checking accounts but denied me those options and banking plans that would have cleared up my credit score.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33139
Submitted Via: Web
Date Sent: 2022-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A