Date Received: 2022-11-09
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 submitted a dispute electronically regarding a Department Stores National Bank ( DSNB ) now XXXX/Citibank NA reporting an account where DSNB/XXXX/Citibank NA tried to sue me in court over the account however, the case was voluntarily dismissed by DSNB/XXXX/Citibank NA. I have provided XXXX with a copy of the lawsuit complaint and a copy of the dismissal ( the case was dismissed by DSNB/XXXX/Citibank NA 's attorney which I will attach a copy of the complaint and dismissal to this complaint. I don't believe that XXXX is properly investigating my dispute and is just allowing the creditor to claim that the information is verified as correct and leaving the account on my credit report. The dispute was submitted on XX/XX/2022 and the results were provided XX/XX/2022. How can an investigation take only thirteen days? I think XXXX is allowing DSNBXXXX/Citibank to use an automated system and just claim the information is being reported accurately with little to no investigation. Additionally, I don't believe that DSNBXXXXCitibank has no intentions of collecting this alleged debt because any renewing or refiling of any lawsuit against me regarding the same claim and account would be subject to O.C.G.A. 9-2-61 and O.C.G.A. 9-11-41. Additionally, discovery request were filed in the lawsuit filed against me that has now been dismissed and DSNB/XXXX/Citibank NA nor their attorney never responded to. Pursuant to Georgia law O.C.G.A 9-11-33 ( a ) ( 2 ), 9-11-34 ( b ) ( 2 ), and 9-11-36 ( a ) ( 2 ), the party upon whom the discovery has been served shall serve a copy of the answers, and objections if any, within thirty ( 30 ) days after the service of the discovery request, except that a defendant may serve answers or objections within 45 days after service of the summons and complaint upon that defendant. The court may allow a shorter or longer time at the courts discretion. The party submitting the interrogatories may move for an order under subsection ( a ) of Code Section 9-11-37 with respect to any objection to or Page 3 of 3 other failure to answer any discovery motion/request. In regard to the request for admissions, pursuant to O.C.G.A. 9-11-36 ( a ) ( 2 ) the matter is admitted unless, within 30 days after service of the request or within such shorter or longer time as the court may allow, the party to whom the request is directed serves upon the party requesting the admission a written answer or objection addressed to the matter, signed by the party or by his attorney. Any matter admitted under this Code section is conclusively established unless the court, on motion, permits withdrawal or amendment of the admission O.C.G.A. 9-11-36 ( b ). DSNB/XXXX/Citibank NA is refusing to remove this account from my credit report in retaliation of a lawsuit that they filed against me that their attorney dismissed and is only continuing to report this account on my credit report for the purposes of and with the intent to annoy, harass, intimidate, embarrass, and humiliate me and is nothing more than an effort to make it difficult for me to apply for and/or obtain credit and or to have to pay a higher interest rate or receive a lower credit limit if extended a line of credit and some righteous obligation to report this account to the credit bureaus. DSNB/XXXX/Citibank is not required by law to report this account to any credit bureau and they are not prohibited by any law from removing this account from my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30066
Submitted Via: Web
Date Sent: 2022-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-09
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I need to know who to speak to about an old Citi account I opened a while ago and if I owe anything on it I would like to build a relationship back with this bank
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30038
Submitted Via: Web
Date Sent: 2022-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-10
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: My citi card raised my interest rate on my previous purchases without notification. When I called they first told me the prime rate increased and thats why my interest was different. I ask for a supervisor and was told no supervisor would speak to me because I wasnt the primary cardholder then I pointed out I was authorized to speak on this account otherwise they wouldnt be speaking to me. The supervisor got on the line told me I didnt know how to read the bill then became frustrated and hung up. They can not raise the interest rates on past purchases without notifying me in advance. I was not notified.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60450
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: 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: Hello, I did place an order for the XXXX XXXX for {$74.00} with XXXX I never got XXXX XXXX product from them. Instead charge appear from XXXX I did contacted CITI Card several time and provide all requested paperwork. CITI Card refuse to protect and ststed that can not mandate that the merchant issue a credit. See order confirmation for {$74.00} from XXXX and link to the product XXXX XXXX XXXX XXXXXXXX & XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Also, attached is the product information in XXXX Thanks, XXXX.
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: 2022-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-08
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: This is more of a regulatory question than complaint per se. I have a Costco CITI Bank card credit card that I typically pay the balance off on a monthly basis and my payments are usually a week or more before the credit card due date. I manage my credit card through their online website and rely on their online statements and credit card homepage for all of my account information. On all of my other credit cards their website home pages show the Credit Card Payment due date and the minimum balance due. However the Costco CITI Back card website home page does not have this information on their website homepage. To find this information one must navigate to their payment web page. As I check my my credit cards on a regular basis I missed seeing this information on the CITI card site and ended up missing the due date. I did make full payment the next day ( One day Late ) and paid late fees and interest charges. I take full responsibility for making the late payment. My comment/ question is whether credit card companies are required by regulations to post this information on the home page for their website? I feel that by hiding the due date they are counting on individuals missing their payments and then collecting late fees and penaltys. Your feedback on this issue is greatly appreciated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60515
Submitted Via: Web
Date Sent: 2022-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-08
Issue: Other transaction problem
Subissue:
Consumer Complaint: I was unable to access my Citibank savings account for several days due to an expired debit card ( XX/XX/2022 through XX/XX/2022 ). But I had never received a debit card from Citibank in the first place and didn't know I was supposed to have one. I had to request a new debit card be mailed and get the associated card numbers before I could log into my account. Then, I was unable to complete a wire transfer and still am unable to complete it. I am trying to transfer {$50000.00} to my lawyer in order to purchase a house. I continuously get an error on the website : " For security reasons, we can not allow you to proceed. If you require assistance, please contact Citibank Online Customer Service at XXXX [ TTY XXXX ] and mention Error Code MFA. '' I called customer service and spoke to four different people, none of whom have been able to help me. They said the only thing I could do was wait until their system refreshes and the security flag is cleared. I have been waiting and trying hourly but am still getting the same error and can not access my funds.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27410
Submitted Via: Web
Date Sent: 2022-11-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-08
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Over the past few months I have been received " pre-selected '' letters in the mail from Citibank claiming I was preselected for their " Double Cash back XXXX ''. After XXXX letters I decided to apply only for Citibank to decline my application, then they send me another letter shortly after with the same verbiage. Based on their letter I should be qualified for the card yet they denied me for reasons not listed on the XXXX page of the letter. My income ( attached bank screenshot from XXXX ) is more than enough based on their criteria. I feel that CitiBank is using deceitful tactics to get people to apply but then deny their applications despite saying that they've been " pre-selected '' and meeting their supposed criteria. I feel that Citibank is praying upon younger individuals such as myself by using words such as " your invited " pre-selected '' : '' invitation '' getting them to apply and potentially harming credit scores and adding inquires. If a person is " pre-selected '' then they should be screen for higher odds of being approved but not denied for again reasons not listed on their " criteria 's '' page.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 18104
Submitted Via: Web
Date Sent: 2022-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-08
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/XXXX my card was charged the following international transactions fraudulently : XX/XX/XXXX Debit Card Purchase XX/XX/XXXX XXXX # XXXX XXXX XXXX XXXX Schools/Education, Day Care XXXX XX/XX/XXXX Debit Card Purchase XX/XX/XXXX XXXX # XXXX XXXX XXXXXXXX XXXX Schools/Education, Day Care XXXX XX/XX/XXXX Debit Card Purchase XX/XX/XXXX XXXX # XXXX XXXX XXXX XXXX Schools/Education, Day Care XXXX XX/XX/XXXX Debit Card Purchase XX/XX/XXXX XXXX # XXXX XXXX XXXX XXXX XXXX Retail stores XXXX XX/XX/XXXX Debit Card Purchase XX/XX/XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Debit Card Purchase XX/XX/XXXX XXXX # XXXX XXXX XXXXXXXX XXXX Schools/Education, Day Care XXXX XX/XX/XXXX Debit Card Purchase XX/XX/XXXX XXXX # XXXXXXXX XXXX XXXXXXXX XXXX Schools/Education, Day Care XXXX XX/XX/XXXX Debit Card Purchase XX/XX/XXXX XXXX # XXXX XXXX XXXXXXXX XXXX Schools/Education, Day Care XXXX XX/XX/XXXX Debit Card Purchase XX/XX/XXXX XXXX # XXXX XXXX XXXX XXXX Schools/Education, Day Care XXXX XX/XX/XXXX Debit Card Purchase XX/XX/XXXX XXXX # XXXX XXXX XXXX XXXX XXXX Retail stores XXXX XX/XX/XXXX Debit Card Purchase XX/XX/XXXX XXXX # XXXX XXXX XXXX XXXX XXXX Retail stores XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 471XX
Submitted Via: Web
Date Sent: 2022-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-08
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Citibank Attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to dispute the following transacations listed below as they were un-authorized XXXX transfers done under they by deception and identity theft. This letter is regarding the following transactions : Date : XX/XX/2022 Amount : {$2400.00} Account Ending : XXXX Date : XX/XX/2022 Amount : {$1600.00} Account Ending : unknown Date : XX/XX/2022 Amount : {$4900.00} Account Ending : XXXX These are the claims I have made with Citi bank that were denied due to : insufficient information to claim that they were unauthorized : XXXX claim numbers : XXXX XXXX XXXX XXXX claim numbers : XXXX XXXX XXXX Along with filing dispute claims with Citibank, I have also made the following legal/ police reports : Police Report Date : XX/XX/2022 Police Report Number : XXXX Location : XXXX, Pennsylvania Federal Trade Commission on XX/XX/2022. That claim number is : XXXX. FBI report on XX/XX/2022 Explanation of items being disputed : On XX/XX/2022 I received a call from a fraudster claiming to be a Citibank agent. He explained that he belonged to Citibanks fraud department. He told me to check my account because there was a fraudulent transaction made on XX/XX/2022. He asked me to confirm my identity in the same way that Citi has done in the past. I received a text message from XXXX stating that a purchase of {$240.00} was made at XXXX, a transaction I did not do. My intention was to sort it out in person. However, there is no Citibank branch in XXXX. The fraudster called me back and I told him to wait. I XXXX the phone number he was calling me from XXXX to make sure it was a Citibank number. The XXXX search confirmed Citibank as a source and was even linked to a Citibank website. The fraudster, impostering as a Citibank employee, told me that someone had tried to make XXXX XXXX transactions through my account and that the person making the claims had gotten access to my online banking. He told me to respond No to the text message that he had sent me. He then told me to confirm my identity by telling me the code that was sent to my phone ( which by the way, is the same procedure followed by the bank ). The fraudster had all my information including current and previous addresses, which completely deceived me. The fraudster had changed my online banking password and gave it to me to log back into the app. He informed me that for security purposes, they would cancel my checking account and open a new checking account. In order to re-issue the money he would send me through text message the secure emails to reissue the money. The email was XXXX and XXXX. I originally had only one checking account open XXXX with barely any money and a savings account that had XXXX. He convinced me that XXXX overdrafts and could be taken from my savings. He said that he had to transfer money into the three checking accounts from my savings accounts. I did not open these two checking accounts on XX/XX/2022 and I did not transfer the funds from my savings account to these two checking accounts. ( Please note : only know that one of the two checking accounts opened illegally ends in XXXX or I would have added the numbers here ). Through changing my password, the fraudster moved money from my savings account, opened two checking accounts, and attempted to take out a loan. When the fraudster gave me access to my accounts, I was induced into sending the money to these emails via XXXX. I believed that XXXX was a Citibank transfer service as it exists within my Citibank Mobile app. When the XXXX transactions were done, he told me in XXXX hours my account would be back to normal and all the funds would look as I had intended, having my {$9500.00} in my savings and my {$300.00} in my checking account and that a debit card would arrive in 1 business day. At that point he hung up. I looked at the phone to a number of emails of XXXX transactions to someone named XXXX XXXX, someone I do not know, I see an email from citibank stating that a premium checking account was opened, and I see that a loan # XXXX was also opened under my name. I called Citibank immediately and found out they had not called me. I filed a dispute for all transactions, including, the XXXX XXXX charge that was made on XX/XX/2022, the XXXX checking accounts under my name that I did not authorize, and the loan that was taken out under my name. Case Overview : 1 fraudulent charge on my debit card XXXX checking accounts open under my name without authorization from fraudster Moving of my money without consent from my savings account to the checking accounts the fraudsters had opened XXXX unauthorized transactions using XXXX initiated by fraudster. XXXX loan opened under my name by the fraudster. Regulation E : Electronic Transfer Funds 12 cfr 205 : While the claims I made on XX/XX/2022 and XX/XX/2022 were denied. My goal after this letter and my police report that my claim is approved and my funds are reimbursed by Citibank. Under Regulation E : Electronic Transfer Funds 12 cfr 205 that states : A consumer who is fraudulently induced into providing account information has not furnished an access device under Regulation E. As explained above in Electronic Fund Transfers Error Resolution : Unauthorized EFTs 3, 4, and 5, EFTs initiated using account access information obtained through fraud or robbery fall within the Regulation E definition of unauthorized EFT. See Comment 1005.2 ( m ) -3 Please review with the Consumer Financial Bureou the rights I have as a consumer of Citibanks services. More inforamtion on Regulation E can be found here : https : //files.consumerfinance.gov/f/documents/cfbp_electronic-fund-transfers-faqs.pdf Questions and concerns : I was recently notified that Citibank has investigated the loan application that was made by the fraudsters was deemed taken without my permission. If the loan that was taken under my name from the fraudsters are the same people who initiated a transfer using XXXX how come my claims x, z, and z was deemed non fraudulent? On XX/XX/2022 I was contacted by XXXX ( XXXX ) XXXX, as people calling from Citibank Fraud Protection. I no longer pick up phone numbers I do not know. By the second phone call they left me a voicemail. I blocked the number. It hurts to realize that the hard money Ive earned and saved to be used to pay my studies was swindled out of me from people impersonating Citibank employees as well as using the XXXX XXXX through the Citibank portal. I trusted that Citibank would protect me and insure me in cases against fraudulent transactions, theft by deception, and account access theft. Thank you for your assistance, XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 152XX
Submitted Via: Web
Date Sent: 2022-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-09
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 placed an ad on XXXX to sell an RV. I received a call from XXXX at XXXX for advertising services that I told him I didnt need as I already had a potential buyer. He stated that it wasnt sold yet and their services would help sell the RV. I was told they would make a video of the RV. What they did was a slide show - not what was promised. I was also told that I could get a refund because of the seller I had if the sale went through. The sale went through and I called to cancel. I was referred to their email address so I requested the refund to the address. The refund was refused even though XXXX assured me it was OK. I wouldnt have paid if I knew they were a dishonest company. I disputed the charge and they fought it and I have had to reopen it several times. The charge I authorized ( under false promises ) was on XX/XX/XXXX, on XX/XX/XXXX another unauthorized and fraudulent charge was made to the card by XXXX RV using the XX/XX/XXXX authorization. The second charge was never authorized, is fraudulent, and is also in dispute. Additionally, I responded to a phone call on XX/XX/XXXX and cancelled the transaction on XX/XX/XXXX. In accordance with Colorado Law, I was within my rights to cancel based on a three day right of recission written into the Law. Weekend days do not count as part of the three day period so the timeframe is XX/XX/XXXX ( Wednesday ), XX/XX/XXXX is day one, XX/XX/XXXX is day two and XX/XX/XXXX is day three since XXXX was a weekend- non business days. The first charge should be reversed as I cancelled the transaction and the second charge is fraud. Citi has not resolved the issue and is not following proper consumer protection protocols.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80228
Submitted Via: Web
Date Sent: 2022-11-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A