Date Received: 2022-10-14
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My Citi Bank account was closed on XX/XX/22. It is XX/XX/22 and I still have not received a check with my closing balance. I am told by Citi Bank that they have to decide whether or not they are going to send two of my payroll check amounts deposited shortly before the account was closed, back to my employer or include it with my closing balance. I have a family that is desperately in need of these funds that are mine. Its not right to put my families well being in jeopardy and hold onto to funds that are rightfully mine for this long. Send the funds back to my employer if thats the issue. I can get them to issue me new ones. But, just make a decision. It has been a month and half now and I have called twice a week since XX/XX/XXXX and get nowhere. I am told I should get notice in 48 hours every time. Please help! Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 922XX
Submitted Via: Web
Date Sent: 2022-10-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-14
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: On XX/XX/XXXX I applied for a CITI XXXX XXXX XXXX XXXX Card on the Same day I was declined for my limit increase with another Credit Card. I recently paid off a considerable amount of credit card debt the previous month. I've received numerous offers in the mail from CITI for that card as recent as XX/XX/XXXX with a personal invitation number. I applied online and was also declined. I received my letter in the mail and the reason for decline was " Too many recent inquiries are recorded on your credit bureau report ''. The adverse letter failed to include my XXXX Credit Score at the time of inquiry, which Financial/Credit Institutions are required to do. After being declined for the XXXX XXXX XXXX XXXX Credit Card, the following month ( XXXX ) I am now being solicited by CITI to apply for their XXXX Card, which offer no rewards other than ( {$0.00} Late Fees and {$0.00} Penalty Rate ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 452XX
Submitted Via: Web
Date Sent: 2022-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-15
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Account name MACYS/CBNA Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$810.00} written off. {$810.00} past due as of XX/XX/XXXX. Status updated XX/XX/XXXX Balance {$810.00} ccount name MACYS/CBNA Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly Payment {$0.00} Credit limit {$300.00} Highest balance {$700.00} Terms NA On record until XX/XX/XXXX I paid off my debt and it is still showing as charged off but it shows that I paid it off. I reached out to Macy 's multiple times and they keep saying they will remove this from my account and nothing has happened.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77389
Submitted Via: Web
Date Sent: 2022-10-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-15
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2022 I tried to use my debit/master card and it was declined. I attempted to call Citibank 's central number and they indicated that they could not identify me because the information on my account did not match the phone number, address and email address that I was giving them. Therefore, I went into the branch that has known me for over 20 years and discovered that my account had been hacked and taken over by someone else. The events that they undertook are as follows : XX/XX/XXXX : Somebody ordered a new card over the phone and requested a " Fast Card '' delivered to an address in New Jersey. Please note that I live in California. XX/XX/XXXX : Somebody Called and changed the pin number on my existing debit/master card via a customer service agent. XX/XX/XXXX : Somebody, changed the email address on my account to XXXX XXXX XXXX. This is not my email address. This was performed over the phone with a customer service representative. XX/XX/XXXX : Somebody changed my email address via access to my account to XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. Again, I live in California. XX/XX/XXXX : Somebody changed the PIN on my debit/master card. They also went into my online account and moved money from three different linked accounts into the account associated with my debit/master card. XX/XX/XXXX : The debit/master card that was ordered to be delivered to New Jersey was used to withdraw {$1000.00} from an ATM in New Jersey XXXX There were XXXX transactions, XXXX being {$400.00} and two being {$100.00} each. Again, I discovered that my bank was emptied on XX/XX/XXXX when I tried to use my card. I reported everything to the bank and they performed an investigation. After several weeks they declined my claim because they said that I testified that I always had possession of my card. I argued that they gave a new card to somebody in New Jersey, so they filed an appeal for me, which was subsequently denied for the same reason. I spoke to a supervisor on the third attempt who again filed an appeal, which was also denied on the basis that it lacked credibility. I don't understand how the fact that they sent a card to another individual XXXX miles away lack credibility. I am hopeful that you can help me bring this to a conclusion and recover the {$1000.00} that was taken from my account due to Citibank 's lack of proper verification of identity. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93722
Submitted Via: Web
Date Sent: 2022-10-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-14
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: My account was charge {$510.00} on XX/XX/2021. I didnt purchase anything from this transaction. It is a fraud on my credit card. I dispute it and call the credit card several times, but they dont refund my credit back. They charge my account XXXX times and refund XXXX time, the credit card company still didnt refund my the {$510.00}. It is from my XXXX fraud. The XXXX didnt refund me neither.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22601
Submitted Via: Web
Date Sent: 2022-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-15
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I opened An account with Citibank XX/XX/2022 my initial deposit was {$600.00} for some reason Citibank decided to close my account Shortly after In XXXX stating they had the right to close accounts at their leisure which was fine with me. I was then alerted via email that I will receive my funds that were in the Account in 60 to 90 days, it is now XXXX and has been XXXX months and I still havent received my check in the mail. I reported Citibank to the XXXX XXXX XXXX afterwards, I actually received a call back from a representative stating that she apologized for my inconvenience and assures me a check will be to me soon. Nothing ever arrived and Since then, Ive reached out to Citibank on several occasions, their customer service reps only transfer me and transfer me and eventually when no one can tell me where my money and they refuse to escalate the call enough times I get hung up on. I dont know what to do at this point but I dont have money to just give away. I opened this account to build my credit and financial stability unknowingly putting my self in this compromising position which Inevitably put me in even more debt. I just want my money back
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30310
Submitted Via: Web
Date Sent: 2022-10-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-13
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: THD/Citi have reported a collection which does not belong to me and they have re-aged the debt on credit reports to make it appear more recent. They have asserted the debt to me telephonically and have informed me that lawyers are in the process of filing a lawsuit, even though the statute of limitations has passed. they have asserted telephonically that the statute of limitations is 7 years and they can sue me for as long as they want. They have asserted telephonically that they can double the size of the debt when they choose to sue
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91342
Submitted Via: Web
Date Sent: 2022-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-13
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: My father, who is an authorized user on my Home Depot Credit Card, had his Home Depot credit card used by someone else. I report the fraud to XXXX XXXX and they initially credited my account. However, a few weeks later I received a letter from Home Depot credit card stating that they had completed their investigation and my father did use the card and since he is an authorized user on my account, I am responsible for the charges. The only problem is my father was in the hospital since late XX/XX/2022 with a subdural hematoma and in a coma. My father never left the hospital and on XX/XX/2022, my father passed away. I provided this information to XXXX XXXX during our initial conversation. I again faxed this information, with supporting documentation on XX/XX/2022 and XX/XX/2022. Home Depot credit card stated they did not receive the faxes even though I have successful confirmation fax sheets for both faxes. I also mailed the supporting documentation on XX/XX/XXXX but again Home Depot credit card claimed not to have received the mail. I them certified mailed the supporting documentation to Home Depot credit card and they finally acknowledged receiving the information, but they have taken no action to remove the fraudulent charges from my account. I don't what else to do to prove to XXXX XXXX that neither I, nor my father, made these fraudulent charges. I told them to them to look at the video at the cash register where the charges were made and they told me they do not XXXX XXXX XXXX XXXX videos, which made no sense.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33196
Submitted Via: Web
Date Sent: 2022-10-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-13
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I made 4 deposits into my Citibank business account on XX/XX/2022 in the ATM machine. The deposit amounts were, {$1400.00}, {$300.00}, {$6600.00}, {$1800.00} for a total of {$10000.00}. The deposits were comprised of a total of 12 checks from businesses. Of those 4 deposits ( 12 checks ) the bank only made available to me $ {$290.00} immediately to withdraw or write checks against and did not make the funds available until XX/XX/XXXX. As a result it caused two of my checks to be returned unpaid which is a huge embarrassment. I feel that the bank should have made more funds available than {$290.00} on the date the deposit was made considering the amount of my deposit, but instead made me wait 5 days because Monday was a holiday.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2022-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-13
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: A citi priority bank account was opened on my name. I would have to get that closed immediately. I was told there is an amount in the account. Around {$100.00}. I don't care what happens to the money. I just want the account closed and unlinked from me. That's all i want
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 401XX
Submitted Via: Web
Date Sent: 2022-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A