Date Received: 2022-10-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received a phone call telling me Citibank is filing a lawsuit against me and filing a lien against my house and my business. The phone call says I owe Citibank {$5000.00} from 2011. All my accounts with Citibank are OK. The man I spoke to was rude and screaming at me telling me I was going to lose my house and my business if I didnt pay. The call back number was : XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07731
Submitted Via: Web
Date Sent: 2022-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-07
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file :
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30126
Submitted Via: Web
Date Sent: 2022-10-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-07
Issue: Other transaction problem
Subissue:
Consumer Complaint: Hello I lost XXXX pesos via a wire transfer! ******THIS IS FROM XXXX END : Here is a timeline of the most important actions regarding the XXXX {$160000.00} wired to XXXX, to beneficiary XXXX XXXX XXXX XXXX XX/XX/XXXX Wire was sent in XXXX XXXX with Senders Reference Number XXXX - XXXX - XXXX, XXXX Reference Number XXXX -Confirmation Receipt attached-. XX/XX/XXXX Amendment XXXX message was sent with field XXXX Remittance Information to credit funds as follows : XXXX : XXXX, XXXX XXXX XXXX OF THE PURCHASE AND SALE OF THE SHARES XXXX. Reply from XXXX intermediary bank, XXXX, in XXXX system was : PLS BE ADVISED THAT UNFORTUNATELY WE ARE NOT ABLE TO ATTEND YR AMENDMENT REQUEST SINCE YR XXXX WAS ALREADY EXECUTED WITH YR ORIGINAL INSTRUCTIONS. AMOUNT PAID TO XXXX XXXX XXXX ( FEES DISCOUNTED AS PER YR FIELD XXXX OF YR XXXX ) VD. XXXX UNDER OUR REF. XXXX. XXXX XXXX XXXX XX/XX/XXXX As per beneficiarys request, we opened a Case to Recall the wire. XXXX XXXX XXXX. No response from beneficiary bank. XX/XX/XXXX A second Recall request was sent. XX/XX/XXXX A third Recall request was submitted. XX/XX/XXXX We were informed in a call with Beneficiarys representative, that monies were in intermediary bank XXXX since XX/XX/XXXX with Reference XXXX. With that information our bank sent another XXXX, and our Intermediary bank replied the following : PLS BE ADVISED THAT UP TO THIS TIME, WE HAVE NOT RECEIVED ANY REPLY FROM XXXX. WE HAVE SENT ANOTHER REMINDER TO XXXX AS SOON AS WE RECEIVE A REPLY FROM XXXX WE WILL LET YOU KNOW XX/XX/XXXX We were informed XXXX XXXX XXXX had reached out to XXXX to recall the wire and waited for reply. No reply from XXXX. XX/XX/XXXX Again we were informed through XXXX system that beneficiary was on XX/XX/XXXX in the amount of XXXX XXXX under ref XXXX. kindly advise if client has now been able to locate funds. XX/XX/XXXX BXXXX wire room escalated to their contacts for assistance. No reply from XXXX. XX/XX/XXXX We requested our bank to send another Recall message with information provided by XXXX, which Is the same as the message XXXX provided on XX/XX/XXXX XX/XX/XXXX Our Bank informed us they were not able to submit more Recall requests. XX/XX/XXXX XXXX XXXX XXXX that they have submitted a Case ( XXXX ) with a request to have the beneficiary 's bank provide confirmation of where the funds were credited, but have yet to receive a response. In regards to the most recent XXXX communication, the request is still in progress. You can expect to receive further information within five to eight business days. If you need to contact us further regarding this request, please reference the following file number : XXXX -no MT Messages provided- ******THIS IS FROM RECEIVING END : XXXX investigations has provided to XXXX a copy of funds returned so that XXXX can locate them. Here is a copy of this return XXXX message { 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 /TEXT/NO BENE ACCOUNT NUMBER They are continuing to work with XXXX to have a confirmation from this entity to have received above payment and to provide me a copy of the funds returned to the initial remitter.
Company Response:
State: CA
Zip: 92630
Submitted Via: Web
Date Sent: 2022-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Citybank is trying to collect a debt but they was and are in violatio n of 15 US code 1601, Ch. 41. Congressional findings and declaration of purpose. It clearly states when I read it that The Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. There must be an informed decision for there to be an agreement, and that did not happen between us. The first thing is that I made an uninformed decision when I entered into this consumer transaction. Congress says in part ( a ) that there must be an informed use of credit, therefore this is a violation, as I made an uninformed decision. Next, in part ( g ) congress says the the person to whom the debt is arisi ng from the consumer credit transaction is initially payable on the face of the evidence of indebtedness, or, if there is no evidence then by agreement. Citybank is in violation because there is no evidence of indebtedness, only an agreement, which is null and void because I made an uninformed decision. I also need to see proof that they suffered a loss or injury from the transaction since they charged off the alleged debt. I requested that proof and a copy of the 1099C they must have filed after the charge off. I am concerned there may be tax fraud in addition to consumer protection violations. I have learned that the IRS defines charge offs as income and income isnt supposed to be reported on the consumer report. However Citybank not only reported this income on the Consumer Reporting Agencies, they sold the alleged debt in violation. Finally, in part ( K ), Adequate Notice, congress says there must be a printed notice clearly and conspicuously printed so the consumer is reasonably expected to understand. A computer generated notice of legal jargon was not understood by me, it was not clear and conspicuous and this is in violation of my consumer rights.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 64804
Submitted Via: Web
Date Sent: 2022-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-07
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 used my Costco XXXX XXXX credit card ( issued by Citibank ) to book the flight ticket ( cost is {$6200.00} ) through a travel agent on XX/XX/XXXX. Two days after my booking date ( XX/XX/XXXX ), another transaction for the same ticket cost ( {$6200.00} ) did happen. I noticed this on XX/XX/XXXX and reached out to the travel agent ( XXXX XXXX ) and they told they will work with the airlines ( XXXX ) as its a technical glitch in the airlines system. I also reached out to the Citibank on the same day and raised a dispute and the system offered conditional credit immediately. There was no update from the travel agent nor the bank for the next few days. All of the sudden, bank reversed the conditional credit stating no supporting documents were provided ( on XX/XX/XXXX ). Bank did not send any communication in the first place, though the call center agents claim otherwise. Then I shared all the supporting documents including the credit card statement showing duplicate charge, flight ticket, email conversation with the travel agent in which the agent agreed that it is a duplicate charge. Even after four emails to the dispute department of the bank and three calls to their customer care and multiple escalations, conditional credit is not put in place though they acknowledge that they received the information via email. Due to this, my credit score has dropped badly ( stating high card usage, though I didn't use that amount technically. Note : I have paid the actual ticket cost in full to the bank ). Citibank dispute department has not acted on the dispute ever since it was opened.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29072
Submitted Via: Web
Date Sent: 2022-10-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-07
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My name is XXXX XXXX acct # see attachment The Credit reporting agencies and Best Buy are claiming I have late payments and it is affecting my credit score and damaging my creditability. They are reporting 2 miss payments when I know i made those payments and have the statements from both of my banks to prove it. I reported this with the company and they reported it to the bureaus. please see attachments
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90805
Submitted Via: Web
Date Sent: 2022-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-07
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Received several offers from CitiBank for a tiered checking acct. I would receive a {$1500.00} bonus if I opened a checking acct and met terms by holding funds for 60 days or more. I opened the account late XX/XX/XXXX and was told that the funds would be disbursed between XX/XX/XXXX and XXXX XXXX. On XXXX XXXX, I called and it was verified that the terms were met. So, the agent manually entered a release of funds request at that time. On XXXX XXXX, I called again to inquire about the delay and was told that I would not receive the funds as I did not meet their targeted audience. So, a dispute was opened ( XXXX ). Within hours, I received a reply in my secured account saying that I did not qualify because the e-mail offer was sent to my husband. This is outrageous as the offer indicated that this was an exclusive member bonus based on a longstanding credit card account ( ending # XXXX ) that we've held jointly since XXXX. Please note, that there were two online offers. One offer that I kept the e-mail on ( and which I've attached ) was dated in XX/XX/XXXX. Another offer was received a couple of months later with the same terms which ran until mid XXXX. I can no longer find the XXXX e-mail ( Its been over 7 months since I received it ). I didn't feel that I needed to keep all e-mails as I received a welcome confirmation e-mail which also listed the terms and terms and conditions ( also attached ). The terms and conditions state that the account needs to be opened and fully funded between XX/XX/XXXX to XX/XX/XXXX which is exactly what I did. There is nothing in the offer or the confirmation terms and conditions that state that the account could not be opened in my name ( this was done to avoid monthly fees as I'm a senior ), and it appeared difficult to open anything jointly. The money was deposited in good faith and I was never once told that I did not qualify even though I talked to customer service numerous times for fund updates.. At the very least, I should have been notified that I didn't qualify so I could place my money elsewhere where I would have received at least some interest without all the restrictions that CitiBank had on this offer. If I do not receive the bonus, then I essentially gave CitiBank {$200000.00} to hold XXXX for 6 months with no money earned. Since I'm a senior, this is a big loss as my husband are both retired and live off interest to pay our bills. It almost feels that CitiBank has resorted to deceptive practices so they can reject the bonus when it's time to pay out. I would like to have someone look into the Citibank tiered checking offer. Online complaints about Citibank indicate that I'm not the first customer that they misled like this. If nothing further happens, I may seek a class action lawsuit as this seems to be a common practice with CitiBank
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32713
Submitted Via: Web
Date Sent: 2022-10-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-07
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 the night of XX/XX/XXXX I was awakened by my land line by CITI Simplicity account asking if I just tried to charge {$1000.00} on my account and got denied. They asked me some other questions and hung up the phone. On the morning of XX/XX/XXXX when I got to work I decided to look at my CITI card as that call did not sit with me. I noticed a charge for {$4000.00}. At that point they took it off and said they would investigate it. I decide to look into my other credit cards and noticed that another one had a charge same XX/XX/XXXX charge of XXXX and another one for {$4000.00}. I called these two credit card companies and they took it off my account no questions asked. At that point I locked my accounts. This week on XXXX I received another call on my land line asking if I just charged {$1000.00} and was denied. I stated that no I did not and he continued to state that my account is locked and he would like me to unlock it. I stated to hem I was not going to do that and he proceeded to state what the last four numbers of my card was ( this is a new card ) ; my mothers maiden name and the security word, the questions CITI should be asking me. I told him I was uncomfortable talking to him and I was hanging up and calling back on my own and discuss this matter. He then became upset stating that he was from CITI. I proceeded to hand up and called CITI on my own at that time they told me they did not call me and no one tried to use my account. On XXXX I received a letter from CITI stating that their investigation is complete and is now closed. They also stated that I gave my permission to the merchant, XXXX XXXX XXXXXXXX, to charge my account for the {$4000.00}. I didn't give this permission. They also stated in this letter that the charges will be reversed and I am responsible to make payments or they will send my information to the three reporting agencies. At this time I called CITI and spoke to a, XXXX, in the fraud department and told him my situation and he stated the investigation is closed and there was nothing he could do about it and I had to send an email to XXXX XXXX at : XXXX which I did. I did this and this still didn't sit well with me so I called back again to speak to another manager, XXXX, he told me he would " try '' and see if he can get this reopened. He also said he would but the {$4000.00} on hold until he could " try ''. On XXXX I went on my CITI mobile app and the {$4000.00} is XXXX tickets taken off as fraud. At this time I thought that was rude and unprofessional. I in fact did buy tickets and stated that I would be paying for them as I did charge them. I asked to speak to a manager and the girl on the line stated that this did not need a manager. I insisted and she said she would transfer me. She got back on the line and said the managers phone does not work anymore. I asked her to transfer me to someone in management and then proceeded to tell me that there was not a manager there. When she came back on the line she told me I would have to call another time and hung up the phone.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 063XX
Submitted Via: Web
Date Sent: 2022-10-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-07
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Someone has opened a visa in my name ending in XXXX I dont know the bank or card number. This individual used it at Best Buy for over {$900.00} and used another card that Ive already reported.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75007
Submitted Via: Web
Date Sent: 2022-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-07
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I am writing you regarding the account I opened on Citibank this past XX/XX/2022. I opened this account as a result of a Citibank XXXX I received by email. Since the actual economical situation, Citibank were offering at least some interest in this saving account. It was a Citi XXXX XXXX account with the Routing number XXXX XXXX XXXX XXXX XXXX, and the Account number is XXXX I funded the account with an initial deposit of {$2000.00} from my account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Like everything went well I decide to fund more money since the purpose of opening this account was to have a higher interest in my money. So I decide to transfer for the same XXXX XXXX XXXXXXXX account the amount of {$10000.00} and that is was when the problem started. After that I received an email on XX/XX/XXXX that my account was schedule to automatically close within 60 days, telling me that Citibank found that I violated the terms or my account per client manual. And give me direction to call to the New Account Fraud number XXXXXXXX XXXX XXXX. I did this in several times and nobody can tell me what specific term that I violated. No information was given to me and no explanation. But in every cal, l I wasted time waiting for them in the phone and they never gave me an answer why my account was closed. I have spent hours trying to reach the Fraud Prevention number XXXX XXXX XXXX without any result. I remember been in the phone for 2 hours and 50 minutes without any success. The only answer of my question came from customer service of Citibank but they are limited in the way to help me. The person indicates me that my account was closed on XX/XX/2022 with the total amount of {$12000.00} and that the money were going to be send by a check to me to the address on file. I waited two weeks and no letter were received and I called back and they said to wait more. The money never arrived. One person of the Fraud department told me that they are not going to returned my money and I get so furious that almost insult the person but he is not responsible for the situation then after I asked him for forgiveness... I also wrote to Citibank requesting them to close my account as they mentioned me in the email and send me my money to the address register in the account. But they never answer me. I am so disappointed because an international bank like Citibank creates this kind of problems to the customers. I am not a new customer with Citibank I had different accounts throughout the years and also couple of credit cards. I have evidence of every transaction and can justify where the money comes from ... I need help to get my money back is all I am asking. Please help
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PR
Zip: 00969
Submitted Via: Web
Date Sent: 2022-10-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A