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
Date Received: 2022-10-04
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Reported to the Credit bureaus as 6 hard inquiries that impacted my credit score from XXXX XXXX XXXX XXXX in which was XXXX and also from the same company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX and the date of inquiry XX/XX/XXXX. Also, XXXX XXXX in which the date of inquiry was XX/XX/XXXX, INFORMATION XXXX, the inquiry date was XX/XX/XXXX, and XXXX XXXX XXXX XXXX, the inquiry date was XXXX and CITIBANK NAXXXX, XXXX XXXXXXXX the hard inquiry date was XX/XX/XXXX. XXXX XXXX XXXX and Citibank are unrecognized credit companies to access my credit report for this reason. A recent company that goes by CITIBANK NAXXXX, XXXX XXXX reported a hard inquiry on XX/XX/XXXX. Inaccurate information was disclosed by the employee when gathering my information for the credit card application. I was told it would be a soft inquiry. The employee authorized permission to give his phone number which is 9704248812.THe dispute confirmation number provided by XXXX is XXXX For all the hard inquiries mentioned above, I didn't give the company authorization to access my credit report for this reason. All 6 hard inquiries from the companies have been reported as a dispute and submitted to the credit bureaus. The dispute confirmation number is XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: XXXXX
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: Managing an account
Subissue: Fee problem
Consumer Complaint: My son turned XXXX in XX/XX/2021. He had a XXXX checking account on which I, his father, was responsible individual. It was not an active account but had collected hundreds of dollars of funds that were birthday & holiday gifts over the years from relatives. Upon turning XXXX, his account matriculated into some kind of higher-end Citibank " Priority '' checking account with a ( whopping ) $ 25 monthly service fee. It looks like since his turning XXXX a year ago he has been charged that fee 13 times ( and one was refunded out of courtesy ). When I log in online I can still see the account as I guess I'm still an authorized signer on the account. I don't believe Citi has a good process to right-fit customers that become adults in this situation. A {$25.00} fee amounting to hundreds of dollars charged in the last year is unconscionable.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 949XX
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: Closing an account
Subissue: Can't close your account
Consumer Complaint: XX/XX/2022- used the online portal to close account as directed by the service. When through the process of verifying my account to close it, then was told that Citi had placed my account as inactive - it has {$10000.00} in it as of XX/XX/2022. They said funds would be delayed 10-15days since they would send the check by mail and I said that was fine. Because the account is inactive, I can not close the account or access my funds. I asked how I activate my account- I was on chat for almost an hour then tried by phone for with Citi, and both said the same thing : the only way to re-activate the account is through a mail with my account number in the file. I expressed heavy concerns that I both could not track the status of this request and did not trust the security of sending this. I was told that the only way to access the account would be with this. I asked if a deposit into the account would reactivate it and they said it would not. I did not receive letters saying the account was inactive nor warning me of this. So far, I have taken off half a day of work with no resolution in getting my funds from my 'Accelerate Savings ; ( high interest savings ) Account. I expressed heavy concern that I would not be able to track the status of my request moving along nor that I would know if the mail was successful and that this would cause unnecessary delays in accessing my funds.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 800XX
Submitted Via: Web
Date Sent: 2022-10-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-04
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I have been with citi Bank for over 10 years I believe. I have not had any issues up until thr pandemic began. When I called in to seek information from a representative I was shocked that call center workers were working at home. Given the high security issues hearing chickens and roosters in the background kids screaming or playing or other people 's conversations meant my information and account Information was not secure. I was sympathetic don't get me wrong the pandemic made some drastic life challenges but I was shocked bank representatives had access to millions of customers private information with no one overseeing what those people were doing. I also ran into issues with my bank account always being overdrawn couldn't understand why I called multiple times as the balance showed I had funds yet the bank would say I didn't send the item back only to see the next day I did in fact have the money. But now I had to pay a late fee for the bank and a fee for the merchant. I would get my money back from the bank but not thr merchant. Now after complaining multiple times this happend a few months in a row thr bank annoyed no more bank fees for overdrafts yet today I look at my account and the balances are all over the place. The accuracy is wrong and they sent back an item when that should have cleared. I will give you an example of what I mean bill paid for XXXX balance showing XXXX transfer made of XXXX balance now showing XXXX next transaction XXXX transfer balance XXXX next transaction deposit XXXX balance now showing XXXX next transaction transfer XXXX balance now XXXX next transaction deposit XXXX balance XXXX that is just a small glimpse of what unreliable improper accounting is going on. The balances do not match thr transactions they do not credit thr account properly and appear to make it seem like I owe more when I don't and do not allow me access to what I should have let me show you some more transactions so you really understand a bit more prior to thr above transactions we have a transaction of XXXX with a balance of XXXX another transaction right after that one for XXXX with a balance now of XXXX next transaction XXXX with a new balance of XXXX another transaction of XXXX with a new balance of XXXX and other transaction of XXXX with a new balance of XXXX another transaction of XXXX with a new balance of XXXX I hope your catching XXXX pattern here and seeing how wrong this is. Another transaction of XXXX and a final new balance of XXXX! So how can you explain this everything a transaction happend here the balance went UP not down. Than the first balance the transactions took away but took away what thr actul deposit was so I got a XXXX deposit it TOOL AWAY XXXX it didn't credit the amount. Yet on thr second set of transactions is gave me credit for what should have been a decrease in my balance. This is my life my only source for funding my family. This improper banking is causing hardship disruption and undue stress I can't seem to keep my finances in order and it's not MY FAULT ITS THE BANKS. And they are aware of this yet fail to fix it. I'm asking this to be fixed immediately XXXX have lots of printed documents showing other charges even got an email showing I was negative and they dent back payments yet when I called the reps said I wasn't negative yet they sent back merchant transactions after that call I got thr letter they no longer are charging fees for overdrafts which tells me citi knows they have a problem but instead of fixing it they stop charging people improper fees so we can't sue them. But they have ignored the problem. And it needs to be fixed immediately again I have more docs I just can't upload them all on this email
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95829
Submitted Via: Web
Date Sent: 2022-10-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-04
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I applied for a promotional offer of XXXX AAdvantage points after {$4000.00} in credit card spend. Citi is denying my bonus miles, saying that I have earned a similar promotion in the past 24 months making me ineligible. However, the last time I received a CitiBusiness AA bonus was in XXXX of 2019. I confirmed this with XXXX XXXX today.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60614
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: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: On XX/XX/21 I was notified by XXXX XXXX, XXXX a new account was opened in my name. I had not opened a new account. The account was listed as THD/CBNA, which is XXXX XXXX XXXX Citibank XXXX XXXX XXXX I have frozen all my credit through XXXX XXXX, and XXXX as well as disputed this on my credit report. I have filed a police report with my local authorities. I have also contacted XXXX XXXX and let them know I did not open this account. In the process of doing this I checked my balance the limit is {$5000.00}, with charges totaling almost {$5000.00} on the account. I am not sure where the purchases were made or who might have made them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45248
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: Credit inquiries on your report that you don't recognize
Consumer Complaint: I accessed my credit report XX/XX/2022 and realized there were multiple inquires on my account that I did not authorize. Ive reached out to XXXX, XXXX, and XXXX on numerous occasions about this matter and was directed to call the those who inquired about my credit. I then reached out to CBNA, and XXXX XXXX via telephone and written letters. I never gotten an explanation or a response for that matter pertaining to this situation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60636
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: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/XXXX, an unauthorized wire transfer was debited from my checking account. The thieves also attempted to make a second unauthorized wire transfer. My husband was the victim of a SIM swapping scheme : his phone and email were disabled. He went to a bank branch minutes after the unauthorized transfer. The bank was able to stop the second pending wire transfer. The bank froze the account and opened a new account. We provided timely notice to the bank by reported the unauthorized transfer on the same day. The bank took action by voiding the second transfer, freezing the account, and opening a new account. The bank did not, however, attempt to recall the unauthorized funds until XXXX, XXXX, when my husband went in person to the branch to inquire about the status of the case. The bank did not open a fraud investigation until then, months after the incident. At that time, the funds were no longer in the bank that had received the transfer. The bank has not refunded the unauthorized transfer, as required under the Electronic Fund Transfer Act and Subpart A to Regulation E. The bank claims that this case was a " scam '' in which my husband provided account information to the party who initiated the wire transfer. He does not recall providing his information. However, under 12 CFR 1005.2 ( m ), even if he had provided information to a person who obtained the information through fraud or fraudulently induced him to share account access, the transfer would still be unauthorized and the bank must refund the funds. My husband and I have contacted the bank on multiple occasions on the telephone and in person at the branch ( e.g., XX/XX/XXXX call, XX/XX/XXXX in person and by phone, XX/XX/XXXX by phone, XX/XX/XXXX by phone ). We have filed affidavits with the bank. The case remains " under investigation '' Note : the first attachment shows the two unauthorized transfers, one listed as pending. The second attachment shows the account balance after my husband went to the bank and stopped the pending transfer. As stated above, the bank did not attempt to recall the completed transfer until months later.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11372
Submitted Via: Web
Date Sent: 2022-10-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-03
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 Citibank credit card was used fraudulently between XXXX for XXXX XXXX transactions totaling {$790.00}. Citi was contacted multi times via phone, email, chat, their website and US Postal service to have the above amount removed from my current balance. They have done nothing to investigate or remove these fraudulent charges from my current balance. A police report was also filed regarding the fraudulent use of my card. I have emails from Citi stating I am not responsible for fraudulent transactions. However, this experience says otherwise and believe they are out of compliance with CFPB and certainly misleading consumers based on their email communications. Evidence attached ( pg XXXX ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 605XX
Submitted Via: Web
Date Sent: 2022-10-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A