Date Received: 2022-10-24
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Letter dated XX/XX/XXXX, did not get in the mail until XX/XX/XXXX stating I owe money for something I have no idea what it is for. Says the account was created in XXXX principle balance XXXX and interest of XXXX interest and fees of XXXX. Saying this was sold to XXXX. Received another letter dated XX/XX/XXXX did not get not get in mail until XX/XX/XXXX. Sent Resurgent a notification to let me know what this account is for, currently waiting on their response. Also why would it take them 4 years to contact me?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-25
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Citi offered an autopay option of : Pay total purchase balance plus the minimum payment ( {$170.00} ) on XXXX XXXX. I accepted this option and set my autopay to this option. Citi calculated my payment based on this option. Then when the payment was made, Citi disregarded this option and claimed they did not allocate my payment as offered and agreed. However, the payment was not allocated to reduce the principle balance of the XXXX XXXX over and above the minimum payment either. They claim they can disregard the XXXX option I designated because, in some fine print in the terms and conditions of a deceptive predatory lending practice which offered me a temporary low interest rate on purchases. I dispute that Citi is not obligated to allocate my payment as they offered in XXXX, and I accepted, and they used to calculate my payment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 804XX
Submitted Via: Web
Date Sent: 2022-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-24
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: CFPB + CBNA, On a recent review of my credit reports I noticed there are unauthorized hard credit inquiries I would like removed - attached to this complaint are : drivers license social security card mailing address written complaint credit reports where located Please have these removed as soon as possible
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34471
Submitted Via: Web
Date Sent: 2022-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-24
Issue: Written notification about debt
Subissue: Notification didn't disclose it was an attempt to collect a debt
Consumer Complaint: on XX/XX/2022 i was notified by XXXX XXXX that there has been a change to my credit score. i logged into the app to see my score being dropped by XXXX XXXX and being sent to collections because i missed a payment for my best buy credit card. i was confused because i didnt receive any emails or letters notifying me of this before XX/XX/XXXX. Even after the fact that it was sent to collections i still havent received anything. Its been a really tough year for me battling with XXXX XXXX XXXX XXXX. i admit i did miss a payment but i shouldnt be punished this bad for missing. since ive been paying on time previously. Since the situation ive been paying towards that credit card again.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91405
Submitted Via: Web
Date Sent: 2022-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-24
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 placed an order of several white dresses for my XXXX birthday white out party and paid a {$10.00} 2 day delivery fee. I did not receive the dresses till Sunday XX/XX/XXXX and requested a refund for my {$10.00} and Macy 's declined to provide me a refund. Additionally, a dress for {$39.00} was never received. I returned all the dresses that were ordered since I bought a new one on Saturday from another store. After returning the dresses and waiting for the XXXX statement, I was able to reconcile the purchases/returns. I called today XXXX and Macys customer service will not return my {$10.00} shipping fee or the {$39.00} dress that I never received. She stated that I have 30 days to file a complaint. In accordance with XXXX XXXX dispute time frames I have 60 days to file a dispute with my credit card company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85254
Submitted Via: Web
Date Sent: 2022-10-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-24
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: When I discovered on XX/XX/XXXX that XXXX XXXX dollars from my Citibank Checking Account ending in XXXX, had XXXX transactions on XXXX XXXX for XXXX XXXX and XXXX for XXXX XXXX a total of {$400.00} sent to a XXXX XXXX. I did not call Citibank I went immediately to the branch located at XXXX XXXX XXXX, XXXX XXXX CA. Having had lost my phone 3days prior shopping at XXXX. I had thought my account may have been accessed thru the Citibank app. This was the first thing I had said when I walked in the Branch. Despite having a lock on my phone I did not rule it out. My phone was recoved a couple of days later and didnt appear to have been the case. I was referred to the Asst. Branch Manager, I believe his name was XXXX ( Ive tried to call the branch to confirm, their calls are constantly forwarded to citibanks XXXX. ) he's a tall XXXX man early XXXX. He took me over to his desk and I sat across from him as he dialed Citibank phone support. He stated his name branch and what appeared to be some sort of Id #. I believe the first person he spoke to locked up my account, and then he was transferred to the dispute department. He spoke to them for a few minutes explaing my situation, then handed me the phone. I sat at his desk for about XXXX minutes. using his phone to file a report. I confirmed everything he said. I did not authorize these XXXX XXXX transfers, I do not know this person I have not given my account information to anyone or authorized anyone to access my bank account. When she had all the information she needed she stated to me : In 10 days you will receive a provisional credit, gave me the date of XX/XX/XXXX. She then asked me to hand the phone back over to the assistant manager. I watched as he reached across his desk grab his orange post-it pad and wrote down a number. When he hung up the phone, handed me that post it he just wrote on. He told me that this number was my reference number to the dispute I just filed. A provisional credit would be applied to my account because these charges were unauthorized, but could take up to 10 days before your account will show the provisional credit of {$400.00}. The number he wrote on that orange post it was XXXX. He then told me my account was locked. That nothing would be able to be charged to the account and I would have to open up a new one. The account would be closed after the investigation. That any money coming in would still be posted but I would have to come into the branch with my id to take it out. I sat there a half n hour waiting for a girl to come back from lunch to open a new account. That morning I would say all togather the time my daughter and I spent at the branch located at XXXX XXXX XXXX in XXXX XXXX was about 2 hours. ( I am being very specific because what happened next.+ XX/XX/XXXX th I checked my account the provisional credit was not issued, like I was told on XXXX XXXX so I called citibank support and spoke with a gentleman from the Dispute Department. He looked up my account he explained it was XXXX working days. He gave me a date XX/XX/XXXX confirmed that a {$400.00} Provisional credit would infact be applied to my account. XX/XX/XXXX I received a letter in the mail dated XX/XX/XXXX 3 days before my last conversation with online support This letter was denying my case completely. The letter said I authorized these charges. Then I noticed because I did keep the post it in my new file with my new account papers. That the reference number XXXX listed on this letter was not the same as the post it note handed to me by the assistant manager. The Date I reported the incident was XXXX XXXX. This letter had the date I reported as XX/XX/XXXX. This is the date the transfers was made. As irate as I was I did not waste my time and contact phone support, I went right back to the branch. The first available date I was able to do that was XX/XX/XXXX and a Saturday. Turned out to be a complete waste of my time. I was told that the department to issue my provisional credit was not open on the weekend. It wouldnt had mattered if they were open, because since I was helped by the Assist. Manager, She told me, I needed to speak to him. He was not going to be in till the following Monday. Not only was this completely frustrating This was very inconvenient to keep coming back to the branch. On XX/XX/XXXX I was involved in a hit-and-run accident and injured. Since the accident, I did not drive and relied on rides from others for transportation. So on Monday, XX/XX/XXXX I paid XXXX XXXX dollars for a ride to and from the branch located at XXXX XXXX XXXX in XXXX XXXX from my home at XXXX XXXX XXXX XXXX XXXX. Monday, XX/XX/XXXX I once again walked into the branch located at XXXX XXXX XXXX for the third time regarding this incident, in XXXX XXXX. I walked in with all my paperwork and the Police Report I filed. I walked straight to the Assistant branch manager 's desk. I said to him : Remember me, I was in here a couple of weeks ago? I said : My checking account without my authorization {$400.00} was taken and sent to someone on XXXX? You helped me with the dispute department, getting my account locked up, and getting a new account? His response was : No! I dont remember you. I didnt know what to think. So, I pulled out the post it that he wrote my reference number on. Showed him and Told him : You handed me this post it. You told me that this was my reference number on it. He looked at it and said : That's not my handwriting. I pointed at his desk. I said : It's from that post-it pad right there on your desk. His response was : I see so many people, Im sorry I do not remember. I responded with : Well let me refresh your memory. I came straight in here when I noticed unauthorized activity on my account. You contacted the Citibank support spoke to them first had my account locked up. They transferred you to the Dipute Department you spoke to them a couple of minutes then handed me the phone. I sat here in this chair for 20 minutes filing a report. After I was done, they asked to speak to you again. I stood right in front of you, watched as you grab that orange post it pad and write down this number. He was shaking his head. I was shocked! I kept talking : When I asked you do I have to wait 10 days to have my account credited, you told me it probley wouldnt be that long. I opened up a new account, you had me sit right here for 20 minutes waiting for her to come back from lunch to do that. I spent about 2 hours 2 weeks ago in this branch. I told him : My locked account was accessed 2 days later and Im showing a negative {$2.00} debited for a non access atm. My provisional credit I was promised was denied with a different reference number and the wrong date I reported to the dispute department. You know what he said to me. He said : We dont handle Disputes in the Branch. That I needed to contact the Citibank XXXX number and he walked away leaving me standing there speachless. I was furious. The whole ride in the car I was on the phone with the dispute department. They confirmed that they had both reports and told me, I would be getting a denial letter for the one filed on XX/XX/XXXX too. Which this date has never come in the mail. Gave me the option to esculate my issue, so I agreed to further the investigation. Regardless the process would take 60 days. It has been over 60 days, and there is no record that was ever done. I believe that Citibank has violated their terms and conditions listed in their disclosures in regards to unauthorized charges. Not to mention the Consumer Protection Act. I want my {$400.00} that was taken out of my account. For all that I know my account was accessed from a breach on their end. I want it applied to the new account they had me open up which ends in XXXX. I will be including all documents spoke of. I thank you for your help, and hope to hear from you soon. XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94578
Submitted Via: Web
Date Sent: 2022-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-24
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: CITIBANK was notified of disputes of accounts ending XXXX & XXXX and never resolved the issues. Accounts need to be deleted as in contains inaccurate/fraudulent information for which CITIBANK has been made aware of over 30 days ago per Credit reporting agencies claim with my disputes with XXXX, XXXX, XXXX. Regardless of my efforts to try to resolve the disputes with CITIBANK as I advised CITIBANK that these are Fraudulent accounts CITIBANK continues to ignore my request and to report this on my credit which is causing me a great deal of damages to say the least. CITIBANK is being negligent in follow consumer laws and FCRA laws.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01880
Submitted Via: Web
Date Sent: 2022-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-24
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have an XXXX XXXX Citibank credit card. While on the internet, paying my CC, I received an ad for a Citibank XXXX XXXX account. Since, I have the CC I decided to open a savings account with them. On XX/XX/XXXX, I applied online, and opened a savings account with Citibank, and transferred {$3500.00} into the account. Everything seemed ok with the account so far. On XX/XX/XXXX, I deposited another {$2000.00}. I checked my account on-line on XX/XX/XXXX and everything was still OK. I was planning on making another deposit on XX/XX/XXXX, when I noticed that they had blocked my account. When I called the number on the back of my Citibank card they informed me that my account was under suspicion to be a fraudulent account. They wanted me to send proof of funding, my drivers license, and a utility bill with my name and address to XXXX, which I did. I have been on the phone with them more than 9 times since my account has been blocked. I have been asking to speak to a supervisor or manager to clear this up. They take my phone number and inform me that a supervisor is not available at this time and they will put in a request for a call back. I wait, and wait, NO CALL BACK. I call again and get the same run around. Now, I visit the Citibank website, I log in, pull up a current statement and see that my account balance is {$1.00}. On XX/XX/XXXX it shows a OTHER DEBIT amount of {$5500.00} subtracted from my account. I keep trying to have my account unblocked, but to no avail! I do not know what else to do? They are getting away with stealing thousands of dollars from who knows how many people. PLEASE HELP!!! I have contacted my banking establishment and they have closed the claim stating that the funds where transferred and excepted. There is nothing they can do about it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77550
Submitted Via: Web
Date Sent: 2022-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-25
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: 1. I have been client of Citibank since XXXX ( bank account and platinum Select MC credit card ). I have never had a problem as a client of Citibank or any other financial institution before. I always pay my credit card statements in full. 2. On XX/XX/XXXX, around XXXX XXXX I made 3 different cash deposits at the drive-trough Citibank ATM XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX FL ( ATM ID XXXX ). Something that I regularly do and have been doing over these 18 past years. In general, I always use that same ATM. Thats because I usually go to XXXX XXXX once a year on holidays, and thats something I do after I pick up my car rental in XXXX or XXXX XXXXXXXX XXXX 3. The problem started when I inserted the amount of USD XXXX ( in XXXX denominated bills ). 4. The ATM made the typical noise when it counts the money after being inserted. However, suddenly the noise stopped abruptly and the screen went black. After a few seconds an unusually small receipt ( copy of which I attached hetero marked as exhibit I ) was printed by the ATM : Im sorry. Because of technical problems, I cant return your cash right now. Please take this record for assistance. 5. I contacted Citibank customer service right away through a phone using the number specified in the ATM receipt. 6. After I explained the situation, the account representative told me that sometimes these things happen. And she said my account would be immediately credited in the same amount that had disappear inside the Citibank ATM ( USD XXXX ). She mentioned it was a provisional credit, and said that before 45 days the issue would be solved. I was really concerned and worried, but she said I didnt have to be, because someone would look into the matter as soon as possible. She reinforced the idea that technical problems happen every now and then. 7. I was feeling very anxious and distressed but could not get any human face to face help from Citibank because it was XXXX XXXX and all Citibank branches were closed that day. 8. The following day ( XX/XX/XXXX ), I logged into my account and found a letter for Citibank mentioning that in connection with my inquiry a provisional credit had been made and that an investigation was being carried out. The letter was very formal and did not specify any further details ( copy of said letter is attached Herero as exhibit II ). 9. Despite my disappointment, I decided to trust Citibank. I asked myself what could possibly go wrong? After all, I had been a valuable customer for 18 years, something that I hear and read every time Citibank contacts me for whatever reason. 10. Therefore, I used my credit and debit cards as I have always done, counting on the balance displayed by the city app and the webpage and relying on the way Citibank had always made me feel until that day : a valuable and trusted customer. I went shopping and paid for my daily life while vacationing in Florida. 11. However, on XX/XX/XXXX, I logged onto my account and found a new letter ( attached hereto as exhibit III ) stating that the institution had finished the research and that the provisional credit was given in excess of USD XXXX. And that such amount would be deducted from the account on that same day ( XX/XX/XXXX ). I felt Citibank was accusing me of trying to steal XXXX from them. On that date, XX/XX/XXXX, and pursuant the Citibank webpage, the debit in the amount of XXXX was still pending. 12. Finding myself back in XXXX, I immediately contacted Citibank customer service again, and made a new claim regarding this issue. I wanted to open a dispute on that final investigation. The new case was registered under the # XXXX ( see letter attached as exhibit IV hereto ). 13. I spent over an hour on the phone with the Citibank representative. Since I felt he could not reply basics questions about the initial claim, I demanded him that the conversation be recorded right away. I specifically requested that Citibank keep the debit in the pending status. I needed to buy something for my business and I was counting on having the money the ATM had swollen in XXXX. I mentioned several times that I needed the money in the account because an autopayment of my Citibank MC was scheduled for XX/XX/XXXX, and if they went through with the disputed debit of the USD XXXX, I would default on the credit card payment ( something that I had never done in my life. Not with Citibank or with any other financial institution in the world ). The representative reassured me 2 times during the call that no debits would be posted. Before hanging up, I informed the Citibank representative that I requested to see the ATM surveillance camera for that ATM for that day, XX/XX/XXXX. I also informed him of my intention to initiate legal actions for all the damages Citibank had caused and was still causing me. 14. Since I was feeling mistreated, after I finished the phone call with Citibank, I decided to log again onto the account and take a picture of the pending status my account showed ( screenshot attached hereto as exhibit V ). I was feeling I was being the victim of a fraud performed by the same financial institution I had been trusting my savings and which had been charging me fees for keeping my account and credit card for 18 years. 15. Im glad I did that, because on the following day, I logged again onto my account just to find out that Citibank had not honored its word to keep the disputed amount as a pending debit or a provisional credit. The debit appeared as now Posted ( the screenshot is attached hereto as Exhibit VI ), and the amount was effectively deducted. 16. After Citibank failed to honor its word of keeping the debit as pending or as a credit, I dont feel I can trust Citibank anymore or expect a different outcome regarding the new dispute. Also please note that in the last letter I received from Citibank, it simply states that the institution will contact me as soon as the review of my account is completed. But it does not establish a certain date. Nobody knows when that will happen, but in the meantime Citibank took my money and I cant dispose of it after I have deposited the amount 50 days ago. I really need my money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02130
Submitted Via: Web
Date Sent: 2022-10-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-25
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I moved suddenly during the pandemic I update my address with the creditor ad bills were not sent to this address. The creditor is aware of this and sent out the bills to the correct address but marked my account 30- days late even though I did not receive a bill. My account has never been late and had a XXXX balance for a long time. Please update my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-10-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A