Date Received: 2022-11-06
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I was contacted by Citibank on XX/XX/22, however, at the time I did not know it was not Citibank. Everything was conducted in the exact way Citi would do things. I was sent a text, as Citi does, that stated they thought there might be a fraudulent charge on my account. They wanted to know if I made a purchase to Office Depot for {$210.00}. I texted back no and someone, who I thought was from the Fraud Department called me. Every question they asked, Citi would ask. When they asked if they could send a text with a code to verify it was me, I said yes, as that was something Citi does all the time to verify someones identity. In the process of all of this, they told me that they were going to credit my account back the money from the fraudulent charge. I thought okay. Then this person, made a mistake and transferred too much money. They told me that I needed to transfer everything back, minus the fraudulent charge. When I logged into my account, I could see a credit for {$15000.00}. They told me that they accidentally transferred the money that way and when I gave it back to them, it would go away. I trusted that this was Citibank and went ahead and did what they asked me to wire the money back to them minus the {$210.00}. However, I found out that later that I did not wire the money back to Citibank, I wired it to these people who took out a loan for {$15000.00} in my name and impersonated Citibank to get the money. When the credit did not go away, I went into Citibank to find out why. That was when we found out that someone took out a loan in my name and got me to transfer the funds to them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11580
Submitted Via: Web
Date Sent: 2022-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-04
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I realized that my identity was stolen a while back and I recently checked my credit and discovered accounts that are the result of identity theft, and these account is XXXX of them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77584
Submitted Via: Web
Date Sent: 2022-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-04
Issue: Other service problem
Subissue:
Consumer Complaint: On XX/XX/2022 around midday. I initiated a XXXX wire from my personal checking account to my settlement company for the closing on my house. On XX/XX/2022 in the evening around XXXX XXXX XXXX I notice a temp hold on the wire so I call and ask what is going. They tell me the fraud department needs to talk to me to do verification. They dont open until the XXXX XXXX the next day On XX/XX/2022 at XXXX XXXX I initiate a chat online with citi XXXX well as calling them. On the chat I am told the wire is processing and should be complete within the 24 hours. On the call I am told the wire is still pending by a department that does not take calls and they can not give me any more information. I call again immediately after just to spin the roulette wheel of people and the same information is given. Basically they have no information. Money is in a XXXX hold and just wait for the bank to call. This doesn't help me for a closing in XXXX hours. This is not normal behavior for any banking transaction I have ever made.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45040
Submitted Via: Web
Date Sent: 2022-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-04
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/22 I received notice from my credit report monitoring service of a new balance on my Citi card. I tried to login online but my password didnt work, so called CIticard and found out there were 8 purchases made out of my state between XXXX for a total of {$7500.00}. None of these purchases were made by me. My card was canceled and the charges were disputed and was told could take 2 billing cycles. After reviewing my credit report I noticed an address out of state that is not mine and disputed it and froze my credit report. I called back was told the investigation was closed because I needed to answer questions but I never received the email, so I answered their questions on that phone call and was told investigation would be reopened. I called back again and was told investigation was closed based on the card having a chip being used for these purchases in other states that I have not been to. They told me to file police report, postal report and send an email to their security operations manager to reopen investigation which I sent on XXXX. I called back to confirm they received email but was told they would make a note about my call. Upon further questioning I found out my citi card had been mail to the wrong out of state address on my credit report. So it seems someone changed my address and had new card sent to that address and then used my card to make fraudulent purchases. Its been over 2 months my card is accumulating lates fees and interest on these fraud purchases. I dont want my credit to be affected. I need help with disputing these fraud purchases with Citi card. Thanks.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77365
Submitted Via: Web
Date Sent: 2022-11-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-04
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Best buy refuses to grant me entry to their website to set up automatic payments and their call center supervisors are very rude and don't help. I just want to set up recurring payments.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91786
Submitted Via: Web
Date Sent: 2022-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-04
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: On XXXX XXXX Home Depot called my number at XXXX XXXX. The call was automated stating " this is an attempt to collect a debt. '' This is a violation of 15 USC 1692 ( b ). I prompt to get a live operator on the phone and its a man. He wants to know if I was willing to pay.the debt. I told him what are you prepared to do if I don't pay. He replied by saying we will continue to call and charge late fees. Which is a violation which constitutes threatening language. I said are you telling me that I owe you this amount. A violation of 15 USC 1692 ( d ). I then asked him who gave him yo location information. He refused to reply. A violation of my right to privacy. 15 USC 1692. Finally he called me while I was doing business. A violation of my rights. I immediately sent this letter to the CEO of Home Depot it is the attachment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-04
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: I have placed an online order on XX/XX/2022, Order # XXXX, the order amount was for {$580.00}, I have returned all items on that order, however, only received a refund for {$440.00}, I did not receive a refund for {$130.00}, I have called customer service 4 times and was always told that they apologize and it will be refunded to me within few days, it has been XXXX weeks now with no success. I was even told that it was refunded to me, although my current credit card balance reflects that this amount has not been refunded to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07726
Submitted Via: Web
Date Sent: 2022-11-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-04
Issue: Closing an account
Subissue: Fees charged for closing account
Consumer Complaint: Hi, I am writing in regards to the Citi ( R ) Accelerate Savings that I opened this summer. I ultimately decided to close the account with the help of an agent over the phone about a month after opening the account. This was back in XXXX / XXXX Once my account was closed, I was no longer able to sign into Citi using my login credentials. Today, I received an email saying that my savings account was overdrawn- {$3.00}. As my account is closed, I am not able to log into the Citi portal to view my balance or retrieve the account number. I've also destroyed the debit card that Citi sent me when my account was closed as the Savings account was the only product I had with Citi. I called the Citi support number, I was repeatedly asked to provide an account number which I do not have as this is not information that is contained in emails from Citi and again, I can not log in. I have called twice and received no help from the agents over the phone as I was told repeatedly I need to provide a debit card or account number. The account has been closed since XXXX and I am now being charged monthly account fees out of the blue of {$4.00} for an account I don't use and closed with a Citi agent over the phone to ensure it is closed correctly.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28056
Submitted Via: Web
Date Sent: 2022-11-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-04
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I have a checking account with the Citi Bank for many years and it was my main checking account. it means all my pay checks and income has been direct deposited in this account for many years and all my mortgage and credit also set up to pay from same checking account. for some unknown reason they decide to close my account and even after I asked them for explanation regarding their decision, but they refused to provide any information. I understand that they have right to refuse service to anybody, but my problem is the my money that has been blocked on that account and they are not releasing my funds and i don't have any access to my fund and it cause me too much problem with paying my house mortgage and car payments and even paying my utility bills and all other day to day payments such as credit cards and so. the total available balance in my checking account at the moment is {$18000.00}, but as i said they are not releasing my fund and it cause me big problem and it will damage and has unrepairable effect on my credit score and everything else. I already tried to talk with them several times and, they only said " this account is closed and you will receive your fund within 60 days '' when i explained my problem for them and asked them to expedite the process for releasing the money the hang up the phone. here is the account information : Bank name : Citi Bank Routing NumberXXXX Account Number : XXXX I already told them that they are responsible for any damage and problem that could happen for me regarding my financial status. I need you to help me with this big concern before it is getting to late. thank you for your understanding and help in advanced. XXXX XXXX XX/XX/2022
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91361
Submitted Via: Web
Date Sent: 2022-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-04
Issue: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: Company has been billing me {$79.00} for over 12 months & when disputed, they issued a 50 % refund instead of 100 % on all charges the bill should be {$27.00} max & they & XXXX have conspired against seniors by signing them up for accessories they do not need. I will also be reporting to the FCC
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23229
Submitted Via: Web
Date Sent: 2022-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A