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 ( XXXX XXXX ) from a scammer posing to be a citibank XXXX 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. The loan was approved on XXXX, XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) 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 ( 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. '' XXXX made a comment that usually the approved loan amount does not get processed for 1-3 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 XXXX XXXX ( XXXX 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. 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. I am also informing you that I've submitted the same report under Complaint number : XXXX last night, but was concerned that I've put in " Citibank '' XXXX of " Citibank NA XXXX and apologize in advance for the inconvenience. I am doing everything I can from my side as this is an urgent matter. 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 ( 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 XXXX new checking account and getting unauthorized approval for a personal loan of {$7800.00} ( I received citibank emails confirming these processed within XXXX ) 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 XXXX and time. Despite receiving an email out for potential " fraud alert '' which Citibank themselves sent on XX/XX/2022 XXXX ( XXXX XXXX XXXX ), XXXX new checking accounts have opened within short period of time XXXX and XXXX on the same XXXX. 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 XXXX XXXX and the fraudulently approved loan amount of {$7800.00} within XXXX navigating between XXXX above mentioned checking accounts. 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 XXXX XXXX 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 at XXXX ( 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 XXXX 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. I am also informing you that I've submitted the same report under Complaint number : XXXX last night, but was concerned that I've put in " Citibank '' instead of " Citibank NA XXXX and apologize in advance for the inconvenience. I am doing everything I can from my side as this is an urgent matter. 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: 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 I opened a dispute with Citi due to a merchant not issuing me a promised refund. On XX/XX/XXXX I submitted all required documentation to Citi showing evidence ( via text messages and recorded phone called, attached here ) that the merchant offered me a refund and accepted the products back, yet never issued me a new invoice showing that I was given the refund. On XX/XX/XXXX, Citi ruled in the merchant 's favor claiming I did not provide evidence of the merchant accepting the merchandise back, even though this was provided. The merchant did not even dispute the claim that I had returned the merchandise. I am now liable to pay {$7900.00}, despite giving evidence that I received both no services or products of any value and was offered a refund by the merchant. The merchant never issued me a formal invoice showing a refund, but rather took the product back and proceeded to steal my money. Citi did not receive a response from the merchant disputing this charge, but still is unwilling to work with me and is clearly violating FTC rules related to fraudulent charges for services not delivered.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85013
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: 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 XXXX 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 only received one follow up email from Citibank regarding this fraud that I am experiencing. ( XXXX XX/XX/XXXX ). 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. I am also informing you that I've submitted the same report under Complaint number : XXXX last night, but was concerned that I've put in " Citibank '' instead of " Citibank NA XXXX and apologize in advance for the inconvenience. I am doing everything I can from my side as this is an urgent matter. 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: 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 received a Citibank card with an affiliation to Best Buy on or around the XXXX of XXXX, XXXX. I received this card in the mail after being in Colorado on vacation for the prior 10 days. Upon activating the card and signing up for online access, there was a charge issued on XX/XX/XXXX in the amount of {$700.00} that took place at the XXXX XXXX MN location. ( this was apparently a television, and a {$10.00} Donation ) I contacted the bank to tell them it was not my transaction, and needed to dispute this charge. they assured me, since the transaction took place before I had the card they would remove it. they then shut down the card, and issued a new card. I offered to provide any statement, affidavits or police paperwork they would need to look into this. They assured me on multiple occasions, that the investigators would reach out if they needed anything from me. The only correspondence i received was a letter dated XX/XX/XXXX that stated " I received benefits from the disputed charges made on this account '' I contacted the bank again, to ask what benefit, this is when they told me about the TV and donation. I again told them it wasn't me, and again offered to provide written statement and get a police report, they said they would re open the investigation, and contact me if needed. Today XX/XX/XXXX i called to get an update, and was told the investigation was complete and I am liable for the charges. as of today, I am filing this complaint with the CFPB, the XXXX XXXX Police Department ( case # XXXX ) and will also be contacting Best Buy. It is my belief that Citibank has drawn out the investigative process in such a manner, and by advising someone not to file report unless asked, they are hoping to run out the clock on and video footage of the purchase. They have also impacted my credit score in a negative fashion by reporting the account as over limit, even though I have never been late on a payment on the undisputed portion of the balance, and have made a payment XXXX recently as XX/XX/XXXX, while this " investigation '' was taking place.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55419
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: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I made a payment on XX/XX/XXXX of {$1000.00} towards a credit card bill from Citi Bank. This payment cleared my bank account ; however, the credit was not posted to my Citi Bank credit card account. I called to check why, because it should be immediately available or at the latest 3 days. I was informed on the phone that the payment was under review, even though it was coming from an account with my name on it, and the payment would not be able to be made available until XX/XX/XXXX. That is an extremely long time for a payment to clear. They said I could call my bank where the funds were sent from to verify they cleared. I agreed to do this, and the funds were verified, and Citi Bank removed the hold/review and credited me the {$1000.00} ( XX/XX/XXXX ). I understand this happened because of the reasons they provided then, which were because the account was new and it was a large payment. I think this is rediculous but I thanked them and went on with my day. Today, XX/XX/XXXX, The exact same thing happened with my recent payment of {$1400.00} on XX/XX/XXXX, and it cleared my bank on XX/XX/XXXX. This was from the exact same checking account to the exact same credit card I have with Citi bank. They flagged the payment again, citing the same reason. This time I asked to speak to a supervisor when I informed them of my issue because, at this point, there was some discrimination that had to be the basis of this. The first agent I spoke to would not allow me to speak to a supervisor after going backward and forward with him, asking XXXX times to speak to a supervisor. She informed me that the payment was under review and would not be released until XX/XX/XXXX after the review. The same thing happened with the second agent, but this time after asking XXXX times, he mentioned if I would like to just speak to someone in the XXXX. I said yes. I finally get to speak to a regular agent in the XXXX and informed her that she would not be able to help me in the way I needed to be helped. So I asked her for a supervisor, and she immediately connected me with XXXX. I explained both situations and the horrendous experience with the first XXXX representatives in another country. The supervisor provided me with the same reason as before as to why the payment was flagged. I asked if I could get some documentation regarding the reason why this keeps happening, and she insisted she couldn't and that she would only be able to send a confirmation email. We proceeded to call my bank where the payment came from, the bank verified it again, and she credited my account. I really think that Citi Bank is racially profiling me, in addition to discriminating against my previous credit history. There are probably other discriminatory reasons as well, but this has to stop. Every payment I make to pay my balance off each month should not be flagged as me fraudulently making payments from my own checking account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20001
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: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Last XXXX I paid my Macys credit card in full. I received a payoff figure and made the payment which left no balance on the account. I purchased an item with the card, which I immediately returned. The return was not processed and credited to my account for several weeks. Macys has charged me late fees and interest on this account for this purchase. The original amount of the purchase was {$28.00}. The balance currently on this account is XXXX which is comprised totally of fees.and interest. I have not used this card since that purchase in XXXX. Citibank is refusing to reverse these late fees.
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: 2022-11-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There is a Macys credit card # XXXX on my credit report that is not mine. I called to verify this account and although we have similar names, it not mine. The social, address, last full name and even the state in which this account was opened does not match any of my information. This particular account is affecting my ability to close on my new home this month.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33573
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: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am being sued for a debt on a Macys / american express credit card. it is being reporting on credit bureaus as AMEX/DSNB account... XXXX and the balance as {$3.00}, XXXX ( XXXX XXXX, XXXX XXXX and XXXX XXXX dollars ) I requested documents to verify this information. for the past 2 yrs neither Macy 's or American express were able to prove this account belongs to me and refuse to remove this account from all three credit bureaus ( XXXX, XXXX XXXX XXXX ). I requested from the credit bureaus to send me what information they have that this account is verify, and they have not. XX/XX/2022 I sent a letter to American express requesting information on this account and have not heard from them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10472
Submitted Via: Web
Date Sent: 2022-11-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-11
Issue: Other transaction problem
Subissue:
Consumer Complaint: Dear Sir/Madame, At XXXX of XXXX I send the payment in XXXX dollars from my account in XXXX bank XXXX XXXX ) to XXXX as a payment by contract ( byuing apartment in XXXX, XXXX ) XXXX Amount : {$70000.00} XXXX XXXX XXXX Senders Reference : XXXX This payment was not received by the payment receiver. I tried to returned the payment in XXXX twice. XXXX bank provided me information that my money were frozen at the account of XXXX bank in Citi. At XXXX of XXXX Citi answered in swift that " your response has cleared the sanctions issue and the payment has been cancelled per remitter request as of XX/XX/2022 '' But I have not get my money back yet. XXXX bank has not give me any instructions how I can return my money. Please, let me know how I can get back my money. Thanks in advance. Best regards. XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90020
Submitted Via: Web
Date Sent: 2022-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A