Date Received: 2022-10-05
Issue: Other transaction problem
Subissue:
Consumer Complaint: My Aunt went to XXXX XXXX XXXX firm and had an XXXX XXXX matters book formed in the event she became cognitively incapacitated. Well that is exactly what happened. I obtain ed a Lawyer : XXXX XXXX XXXX, XXXX. ( XXXX ) XXXX. I had XXXX send all the paperwork again with my POA financial for her and She put me in her Estate Matters as her Living Trust for all her Financial matters as well. Citi bank still refuses to release her money to me and wants me to go to XXXX to sign a paper for them to release her money to me. I live in XXXX, MN. and have no one left in XXXX, Il. The paperwork is all in order and I want to send the money from Citi Bank to a shared XXXX Bank account of me and my aunt so I can keep paying her rent in the assisted living facility where she lives here in Minnesota. They even refuse to fax paperwork to my lawyer for me to sign and send back. What am I to do. I can not go to XXXX to sign a paper, besides my Aunt had her Estate Matters paperwork filled out by Lawyer XXXX XXXX in XXXX and it cost my Aunt {$800.00} to have that made up?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 557XX
Submitted Via: Web
Date Sent: 2022-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-05
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Citibank has repeatedly called more than 7 times in a week and up to 15 times a week. I tried to turn the card off in order to not accrue monthly unpayment charges as I can no longer afford to keep the card. They denied my request to turn the card off and continue making monthly payments until it is paid in full and now call me constantly
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80033
Submitted Via: Web
Date Sent: 2022-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-04
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: This complaint is regarding closure of 3 accounts due to what I am being told is a violation of the terms of the account involving the appearance of fraud. I got a letter from Citi regarding the closures. I made 30 or 40 attempts to call. Most of the people i talked to said they couldnt tell me anything ; one employee was able to help me figure out that the issues involved a {$15000.00} transaction made in late XXXX and early XX/XX/XXXX. I made many requests for someone at Citi to call me but I never received any calls. I have been an account holder with Citi since XXXX, for 35 years. I did not commit fraud. What occurred was as follows. I wanted to transfer {$15000.00} to my husbands account at XXXX XXXX XXXX On XX/XX/XXXX, she transferred {$16000.00} from her XXXX savings account to her Citi account ending in XXXX ( {$15000.00} to give to her husband, {$1000.00} I kept for unrelated purposes ). I had planned to use XXXX in her Citi account to send money to my husband and discovered that she could not send that high amount by XXXX. So I transferred {$15000.00} to my husband using XXXX. The account ending in XXXX is the account I use for XXXX. When using XXXX, the transaction came back reading as if the transaction had been a {$15000.00} payment to a vendor. I did not feel comfortable with this transaction being categorized as a payment from a customer to a merchant, so I cancelled the transaction. I called Citi to explain. I was told I would receive a {$15000.00} provisional credit. This was what Citi advised me should happen. It wasnt at my request ; I was only trying to inform Citi and make sure I was doing everything right. I also was credited {$15000.00} by XXXX. This led to an over-credit of {$15000.00} in my account. I informed Citi to take the provisional credit of {$15000.00} back and I was told that would be done and this issue closed. I then wrote my husband a personal check for {$15000.00} ( check XXXX ). As an additional problem beyond the account closures, I was told I would not get the balances belonging to me returned. In a similar pattern to my phone calls regarding the closure, I was not able to get any information that makes much sense and my requests for a call from someone who can help go unanswered. I t was told at one point I will not get my money back because it doesnt appear to belong to me. At another point I was told it was sent back where it came from. Other than a {$600.00} payroll deposit on XX/XX/XXXX, the rest of the funds in her accounts should not fit the category of being returned. I am also due {$200.00} from XXXX, {$25.00} from XXXX and {$250.00} from XXXX. Plus, the {$600.00} payroll deposit that she informs me has not been sent back. As stated, I have been an account holder since XXXX. I did not commit any kind of intentional fraud or rule infraction. It appears that this is a case where Citis algorithms led to an inaccurate result. I ask for an explanation of the specific activity that led to the decision and the specific account terms alleged to be violated. Further, I was told I was sent a letter XX/XX/XXXX. I did not receive it, nor did I receive the copy I was told would be sent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2022-10-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-04
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: On XXXX XXXX, 2022, I was booking an airfare on XXXX and was offered a Citi XXXX XXXX XXXX XXXX XXXX XXXX Card on the screen during that process. The offer was for a {$250.00} AA Statement Credit towards an airfare, and XXXX bonus XXXX XXXX points after {$2000.00} in purchases. I applied and I was approved for that offer and card. After a month, I called Citi to enquire about the status of my {$250.00} credit and XXXX points. They told me I do not qualify because I had another Citi XXXX XXXX Card within the past 48 months. When I asked the Citi customer service rep when I had the card, she could not find a record. I told her that to the best of my knowledge, I have not had this card in the past 48 months. I even logged onto my credit report while on the phone and couldn't find any Citi cards within the past 48 months. The rep stated that this must be an error, and filed an internal dispute. Today I received a letter from Citi declining to offer me the XXXX points and {$250.00} bonus. I would have never signed up for the card had I known this. Furthermore, they are incorrect - I am qualified for this card because I have not had this card in the last 48 months.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07030
Submitted Via: Web
Date Sent: 2022-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-04
Issue: Written notification about debt
Subissue: Notification didn't disclose it was an attempt to collect a debt
Consumer Complaint: Discovered that I was getting multiple false charges to my credit card. Notified my credit card company CitiBank on XX/XX/XXXX and was told that it would not be withdrawn from my checking account but on XX/XX/XXXX my checking account was charged the money and was told there was no record of the dispute. A new dispute was filed on XX/XX/XXXX and I am still being held liable for the charges as of XX/XX/XXXX. The XXXX entities that have these multiple charges are XXXX and XXXX. I was unable to successfully reach them. The amount of false charges are in excess of {$17000.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06880
Submitted Via: Web
Date Sent: 2022-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-04
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: In XX/XX/2022 my lawyer sent a chek for me to send to Sear Citibank for payment. Sent the check XX/XX/2022 called Sears citibank in XXXX to see why the funds had not been applied to my account. I was told there was never a check sent, then the check could not be located. Called again in XX/XX/2022 to have an investigation opened sent check info requested never heard from the bank. In XXXX I called the bank said just let the check expire and have it reissued. It is now XXXX 2022 called Sears Citibank to inquire I was first denied access to fraud department by XXXX XXXX customer service agent then she let me wait on hold for about XXXX mins then said I can't hear u and hung up. Called fraud department and after being told they could not find a check after giving them the check # she said she was calling her supervisor who said they could not locate a check and my case was close.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28216
Submitted Via: Web
Date Sent: 2022-10-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-04
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: Hello, my name is XXXX XXXX, and I'm writing to request your help in contacting this company. I attempted to contact them in order to see why someone had created an account in my name. This is a serious matter, and I'm disappointed that it's now having an effect on my credit score. I do not give anyone permission to use my name, date of birth, or any other personal information since it violates Data Privacy. They must determine who started the account in my name and simply transfer the information to that person. Kindly help me in fixing this issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78634
Submitted Via: Web
Date Sent: 2022-10-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-04
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Summary : My credit card Citi XXXX XXXX has authorized XXXX to charge me for a service/product that I did not authorize, and that XXXX did not provide, and will not provide. Details : Several years ago I set up a placeholder website with XXXX, using their domain registration and hosting. Their domain system failed to renew the domain in XXXX of XXXX, meaning the hosting was not useful to me. XXXX attempted to process the payment on XX/XX/XXXX and it failed, as it SHOULD HAVE because there was no valid card associated with that account. Later, when looking at my credit card statements, it became clear that XXXX had associated a credit card/payment method, Citi Double XXXX XXXX XXXX with that subscription and charged it *without my authorization*. I contacted my credit card provider Citi XXXX XXXX XXXX to notify them that this was not an authorized charge. I filed a dispute, but given the retardedly over simple method of their mobile application, with only a handful of multiple choice options, I was unable to clarify the problem fully. They decided with XXXX that the charge would be honored. XXXX collected {$220.00} for an annual hosting plan. XXXX was NOT authorized for that purchase. They will not provide or honor that hosting plan. I was charged for a product I did NOT authorize, and did NOT receive. This is unjust.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98027
Submitted Via: Web
Date Sent: 2022-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-04
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76205
Submitted Via: Web
Date Sent: 2022-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-04
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: This account was paid in 2021 and the company refuses to remove the degoratory mark on my consumer reports. The report shows I currently owe money to your company that I have already repaid.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33145
Submitted Via: Web
Date Sent: 2022-10-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A