Date Received: 2022-10-18
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXX reported a hard inquiry from CBNA/THD on XX/XX/2022. I didnt recognize this and called the associated number in credit report XXXX. Call goes in circles through a touch tome prompt not letting me get anywhere because I dont have an account with them and my ssn isnt recognized. After 20 minutes I finally got to a live person and was transferred to Security Dept. I stated my issue then our call was disconnected and I am unable to get back to a live person. I am looking for more information and want them to provide me with support for the credit pull so I can determine if I need to take additional identity theft prevention measures. I called XXXX and they could not help and directed me to FTC.gov.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: 66109
Submitted Via: Web
Date Sent: 2022-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-18
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Citibank locked my checking account because of suspicious activity, I was supposed to receive a paper in the mail with a number to unlock my account which I have not received in 2 months.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75189
Submitted Via: Web
Date Sent: 2022-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-18
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 the morning of XX/XX/2022 I had five alerts from my Citi rewards card of charges I did not make. I immediately called Citibank to report the fraudulent charges and to close the account. I listed each one of the names of the businesses & charges and expected an investigation and to be reimbursed for the five fraudulent charges. Approximately one month later, when I still wasnt reimbursed, I called Citi again and had to again list the five fraudulent charges in detail and was assured it would be resolved. Today, XX/XX/2022 I called to ask where this stands and had to list the XXXX fraudulent charges yet again and was transferred to a security fraud specialist who told me that it was still under investigation?? Citi security/fraud told me they have 90 days to resolve this issue. I have learned I should have received a provisional credit for the amount of charges in question within 10 business days of reporting the fraud according to the law. In the meantime, I have these five fraudulent charges ( totaling close to {$400.00} ) sitting on my credit card accruing interest when I did not make these purchases. I feel I did what I am suppose to do, reported the problem immediately and closed the card immediately. I feel Citi isnt doing what they should do to protect their customer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60137
Submitted Via: Web
Date Sent: 2022-10-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-18
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: The company above reported a late payment for XX/XX/2020. I have requested a history of payments for my review and have yet to receive it. I have disputed this inaccuracy with XXXX XXXX, XXXX, and XXXX with no success. According to FCRA laws, I have the right to ask for a fair investigation and have not received one and that is why I am submitting an formal complaint. I want the late payment from XX/XX/2020 to be removed from all three credit reports.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78660
Submitted Via: Web
Date Sent: 2022-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-19
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I am not able to use Citibanks website. The website isn 't accessible. I have tried to use the website in the past, and I have called Citibank, and they make it out to be a computer glitch issue on my end. Apparently, my computer is the fault. Therefore, I have enlisted to use the Citibank app. The app, however, also has problems. Citibank changed their method for allowing their account holders to send and receive money. Now, we must do it by XXXX. Needless to say, I set up my XXXX account through the Citibank app, but I noticed a problem. The problem is that during the weekends or weeknights. If you try to send to your other bank accounts in the United States. The Citibank app will present an error. I will attach a copy of the .jpg I took from my XXXX to show you. It is a XXXX error that states : Access blocked. For security reasons, we can not allow you to proceed. If you require assistance, please contact Citibank Online Customer Service and mention error code XXXX. XXXX. I've approached Citibank about this also. The issue was fixed, but here I am again on XX/XX/2022 trying to send money to my other bank account : XXXX. I paid two bills online through Citibank app before I decided to send the remaining balance to my other checking account with citizen. Why am I going through this? I have another bank account in checking with XXXX bank. XXXX bank holds mostly all of my funds. I don't need the hassle. Citibank is just a maintenance account that I have my checking and some savings, but my direct deposit goes from the State of Connecticut to Citibank. I can eliminate this issue by closing my Citibank account, and moving through the State of Connecticut Comptroller 's Office my direct deposit to Citizens bank in Connecticut. It is as if Citibank does not want my business. Oh Citibank wants you to take out a $ XXXX personal loan to help them, but this is a business relationship. Business relationships aren't one way, unless the other party is nave or stupid, and I am neither. Now, I have to call Citibank again asking them to do what they are selling you : a banking service. I have to take time out of my schedule to approach Citibank to do their job. If this isn't resolved, then I will visit Citibank in New York City with two forms of ID and a demanding them to close the account. Put my IRA in the name of XXXX Bank and in check form for transfer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 061XX
Submitted Via: Web
Date Sent: 2022-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-17
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 have made {$28000.00} in purchases on my Citi card this year. I have paid {$29000.00}, and yet my balance continues to be shown as anywhere between {$2000.00} - {$2500.00} on closing statements. I have called the credit card company 4 times. Each time they are less & less helpful. I have spoken to supervisors 4 times, and I can not get them to resolve the matter. I want my account audited, because the way they close their statements, it is difficult for me to pin point where the error on their part was made. I have all statements and running tally of amount I have paid from my bank account as proof that there has been an error committed on their part. Yet every time I call and speak to someone, they refuse to look at the full account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90601
Submitted Via: Web
Date Sent: 2022-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-17
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: I have as a Shell gas card issued by Citibank for several years now and have always been able to configure and receive account alerts upon specific events. One very important alert I have always had was instant notification when I or any of my authorized users make a purchase using my account. Over a month ago my son 's authorized user card was compromised and the number used fraudulently. Citibank then cancelled his card and issued a new card with a new card number. As soon as that new card was received and activated, the alert function ceased to work. I have reset the alert several times and have gone through trouble shooting steps with Citibank customer service representatives, but the alert when my card is used will no longer function. I consider that alert extremely important and Citibank, acting incompetently, does absolutely nothing to fix their technical issues leaving my account very vulnerable. Yet another issue I have with my Shel gas card issued by Citibank is trying to reach customer service via telephone. When I call the number on the back of my card, I am asked for my credit card number to pass their phone verification system. If the number is not entered or entered incorrectly, Citibank aborts the call. The problem is that the number on the front of my card will *NEVER* pass the phone verification system. Citibank customer service representatives have stated that my account number os not really the number embossed on my card and I am expected to remember a different account number so that I can call Citibank. This is the most idiotic concept ever invented. When I need to reach Citibank for an urgent matter, I can not rely on the information on my credit card and must remember yet another account number at all times.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92037
Submitted Via: Web
Date Sent: 2022-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-17
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: XXXX XXXX, Thank you for your assistance in facilitation of the ongoing dispute in the amount of {$530.00} from XXXX XX/XX/2022 with Citi, associated with Vendor XXXX. What was supposed to be an enjoyable family event has turned into a problematic ordeal with Citi and this Vendor ; CFPB will note that this is our first and only disputed charge associated with our card, which has otherwise been frequently used without issue. This Vendor falsely represented itself in its marketing as an official venue ticket seller. We contacted the Vendor prior to purchasing the tickets to validate they were associated with the venue, which was confirmed to us. The dollar value of the tickets that was charged to the card was not what was agreed, and it was not adequately disclosed to us as customers that the transaction was non-refundable ( in fact, we have since discovered that there ARE circumstances in which the Vendor can/will refund such charges ). We were alerted to the cost issue by the text alert Citi offers to its cardholders, such that we did not recognize or authorize the {$530.00}. Immediately upon noticing this, we contacted this Vendor again ( same day as order, weeks in advance of the event which was held in XXXX, FL on XXXX XX/XX/2022 ). They told us there was nothing they could do and we should take the matter up with our credit card company despite a proactive attempt to resolve the matter with the Vendor directly. We followed Citi 's dispute process, but the investigators were not able to reach a favorable outcome. Based on the vague, ambiguous form letter Citi sent, we do not think they reviewed the documentation we provided to them in detail. As of today ( XXXX XX/XX/2022 ), Citi agreed to " re-review '', but we are not convinced this will yield a result in our favor, either. We are aware that this outstanding charge is negatively impacting our otherwise outstanding credit ; thus, we need some help from CFPB. I have three ( 3 ) points of irrefutable evidence to support this dispute : 1. Email generated as a by-product of the disputed charge. CFPB will note a few things here : o Reference to XXXX XXXX this Vendor / Name alerted us that this was not a venue vendor but instead a reseller -- - we did not knowingly or willfully enter trading relationship with this Vendor Pink Palanca. o CFPB will note that an E-mail received by us from the Vendor contained an Accept Tickets button We did not, at any time, accept tickets to place tickets into our Ticket Folio or take possession of tickets in question at any time. In other words, the Accept Tickets button was never clicked, and tickets were never transferred to us by this Vendor that would support or substantiate this charge. o CFPB will also note the Vendor website contained the following language : In instances of fraud, they may be cancelled at any time This completely and wholly refutes the Vendors claim that all orders are Non-Cancellable, Non-Refundable, etc. given this direct disclaimer. 2. Email generated as a by-product of the subsequent order through venue Vendor XXXX : o Ticket numbers placed through our XXXX order are directly behind and adjacent to the seats associated with the disputed transaction with XXXX XXXX Why is this important? We have photographic evidence that the Vendor in question -- - because we did not accept the tickets in question -- - sold the tickets to another customer, and the seats in question were occupied, meaning the Vendor associated with this dispute ( XXXX ) is trying to double-dip here! This is financial fraud, and I will also be outreaching the FTC regarding the same, so this Vendor is not able to attempt to victimize any other consumers. XXXX. I also have a screenshot of transaction with official venue ticket vendor XXXX dated XXXX XX/XX/2022 which shows the correct amount for the tickets we purchased ( despite a charge to the contrary by the other Vendor ). We made this several days after the original, following a good faith dispute placed on the aforementioned transaction for the reasons stated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33470
Submitted Via: Web
Date Sent: 2022-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-17
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Citibank has now taken out 2 payments that I did not authorize did not make and when asked for proof that said they can take money out of my bank account refused to provide me with that
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60193
Submitted Via: Web
Date Sent: 2022-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-17
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX {$740.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT MACYS/CBNA {$600.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX {$4000.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT Account Number XXXX Account Number XXXX Account Number XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60639
Submitted Via: Web
Date Sent: 2022-10-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A