Date Received: 2022-09-28
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I contacted XXXX over the phone and they deleted the inquiries that werent mine. XXXX XXXX and XXXX are a night mare to deal with. I should have only these 2 inquiries. XXXX XXXX on XX/XX/2022 XXXX card XX/XX/2022 I dont even own a car so why would I try and get a XXXX XXXX XXXX XXXX. XXXX happened the same day as XXXX XXXX and I hadnt run a credit report in 12 years. There is also a XXXX XXXX and a discover I have a service called credit wise through XXXX XXXX that says they ran a scan in the dark web and my SS # and email password had been compromised.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92673
Submitted Via: Web
Date Sent: 2022-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-28
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Hello, Citibank blocked our checking account after we deposited a check to our account. We are unable to make any transactions on the account. We have called in and attempted to fix this issue. They will not unblock our account for 10 business days.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91362
Submitted Via: Web
Date Sent: 2022-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-28
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I made a payment of {$1200.00} last week, reducing my total balance. The payment posted, and has been deducted from my bank account. Unfortunately, Citibank will not update my available credit despite the payment being made as this was a larger than usual payment on the account. I spoke with an account manager and they didnt have the ability to confirm with my bank that the payment was deducted. Im away from home and this is the only payment method I have access to currently.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20723
Submitted Via: Web
Date Sent: 2022-09-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-28
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/2022 I submitted an online payment for the power services ( around XXXX ET ). The same day at XXXX ET was contacted by phone by scammers that affirmed that my payment submission was declined and i needed to submit payment on the phone to avoid suspension of the power services within the next hour. They tried to make me submit a second payment from the original account I used to submit the payment using XXXX as the method of payment. The type of bank account did not support XXXX and I was forced to use my personal checking account from Citibank thad did have the XXXX service enabled. They made me submit 2 payments via XXXX with the information below XXXX using the XXXX number XXXX and XXXX with XXXX number XXXX. Once I realized it was a scam, the individuals hung up and never answered the phone ( they used a fake caller id number ). I contacted Citibank and XXXX XXXXXXXX XXXX XXXXXXXX, submitted a report with both institutions. XXXX has not reached out, but Citibank opened an investigation under XXXX. I can not open a claim directly with XXXX since I get their service from Citibank. I gave Citibank the phone number/account information used in the XXXX platform hoping that they would retrieve the funds and refund me. Today, 10 days after, I have received a letter from Citibank declining my refund request and asking me to contact the scammers directly. I do not have a way to contact the scammers but they do have a way to force XXXX to track the users behind the 2 numbers provided to prosecute and force them to return the funds to my account. XXXX will not take my claim directly, since Citibank is the intermediary between me and them. I have been a citibank customer with this same account for over 22 years.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33133
Submitted Via: Web
Date Sent: 2022-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-28
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I am a Citibank credit card customer since XXXX. I have 2 Citibank cards, a better balance and diamond preferred. I use the better balance card for day to day purchases and pay the balance in full every month. I only use the diamond preferred card if Citi gives me a special offer, i.e., balance transfers/purchases for 12 months at 0 % interest. Right now the balance on that card is {$0.00} and I have a credit limit of {$7600.00}. I mention all of this because yesterday I applied for an additional Citicard, called Citi Simplicity. They denied my application because they say I have too many inquiries. To me, that's like saying " you have too much credit and we can't give you anymore ''. It is true that in the past 30 days, I've applied for 4 credit cards. One was a gas card that I immediately closed when I received the card and reviewed the XXXX that were different that when I applied. The other 3 were in anticipation of my having XXXX XXXXXXXX that would cost about {$3800.00} out of pocket ( Medicare won't pay for that portion ), and all these credit cards have 0 % interest for 12 months, with some other special programs, i.e., {$300.00} statement credit if you spend {$1500.00} in the first 3 months, or XXXX points ( {$150.00} ) if you spend {$150.00} in the first 3 months. But the Citi Simplicity card is offering 0 % interest on purchases for 12 month, or balance transfers for 21 months. So, of course I wanted a card that would give me more time to pay off XXXX XXXX. And lastly, I have a XXXX score of XXXX ( see attached ), and have had credits cards since XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 183XX
Submitted Via: Web
Date Sent: 2022-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-28
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: Over the course of several months I've been trying to dispute the practices being used by CitiBank on an account that was closed years ago. I have submitted several disputes through this forum, Citi in response has begun to manipulate my credit by adding charges and negative remarks on my credit which is resulting in a significant drop in all burea scores, even though the status of the account, the amount borrowed, etc has not changed in 3 years. Citi continues to lie and state that its sending correspondence by mail to my home, which they are not. I did receive an email from the company a week ago, and I responded showing them the credit score drop was attributed solely to their negative reporting on my account. When are you going to hold them accountable for this credit hit against a consumer? They were offered a payment plan before the account was closed which they refused. Since the account was charged off, there has been no activity on the original charge account, and yet the reporting from the company on that account continues to change year after year affecting and manipulating my credit scores. It needs to stop.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28078
Submitted Via: Web
Date Sent: 2022-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-28
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I was falling behind in my bills due to the pandamic. In an effort to rebuild my credit I opted for a debit consolidation instead of filing for banckruptcy. The program I was is called XXXX XXXX XXXX. The name changed during the process of my consolidation from XXXX XXXX XXXX. After considering how the program worked, my husband and I felt it would be a good choice. We were required to submit all of our debt and they worked out a monthly amount we were to pay to them. Once there was enough money to cover a debit, the would call to make an offer to settle the account. Since we had made the monthly payments on time for six months, they offer us a program where we could apply for a loan to pay off the creditors faster. We agreed. One of the creditors was Best Buy monitored by Citi Bank. They wer unwilling to accept any commuitcations with the debt consolidation company. I contacted BestBuy ' billing department and ask for an amount that would settle the account. The account at that time was about {$3000.00}. They were uncooperative and unwilling to be reasonable with an agreeement. Finally I had no choice as I was needed to settle to get the loan amoun to we agreed on {$2200.00}. The debit consolication company sent the payment on XX/XX/2022 and we paid the company a fee of {$290.00} to settle. The debit consolidation company said it takes about 60 days to see the change in the credit rating. We waited until XXXX and there was no change there was reflected a balance due. Put in a complaint with the Best Buy and the debit relief company. Best Buy/Citi Bank stated they never made an agreement. The phone calls are recorded so we asked them to list to the call. They claim they. If they checked the payment history on the could it would show minimum payments and then this odd amount paid. I sent a complaint to XXXX who monitors my credit to put in a complaint as well. Now my account reads 120 days past due. This has been an ongoing nighmare. I did everything that was asked to settle this account and not only is there a balance still due but my credit is being adversly affected. I believe Best Buy/Citi Bank was not truthful in there attempts to help rectify this problem. We tried reachin out to upper management for help with this problem but was uanble to get any assistance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10467
Submitted Via: Web
Date Sent: 2022-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-28
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I closed a Citi card in XX/XX/2022 with a {$0.00} balance ; at that point I destroyed the card and shredded statements, as I hadn't used the card in years. However on XX/XX/XXXX I received a letter from my bank that they were limiting access to my Home Equity Line of Credit account because of unpaid bills and debt. An XXXX report indicated that someone had run up more than {$17000.00} in purchases on my card, apparently after I had closed it. I had no notification from Citi about these purchases. I have filed a report/dispute with Citi but they are unable to answer why I was not notified.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 948XX
Submitted Via: Web
Date Sent: 2022-09-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-27
Issue: Fraud or scam
Subissue:
Consumer Complaint: I was a victim of " phishing. '' On XX/XX/XXXX I received a text message from a Citibank impersonator, and I thought it was from Citibank. I clicked on the text message and logged on to what I thought was the Citibank website. The next day I found that {$49000.00} was wired out of my savings account ( 2 wire transfers ). On XX/XX/XXXX I filed 2 Citibank claims for unauthorized wiring of funds. After 90 days I received a letter from Citibank saying that my claim was denied ( reason : " the fraud reported was caused by providing customer account information or authorization for the transactions that were determined to be a scam. '' ) I phoned Citibank and they said that I could appeal, but they did not ask me to fill out an appeal form, or even ask why I was appealing the decision. A couple of weeks later they sent a memo that stated No new information was received or discovered that would change the denial decision. I've had an account with Citibank since XXXX and nothing like this has ever happened before. When I logged on to the fake Citibank website ( XX/XX/XXXX ), I didnt know that I was giving the scammer my password that is why it was a scam and I was the victim. Citibank knows the bank ( s ) that received the wire transfers and the names associated with those accounts. I filed a report with the local police department. I dont know what else to do.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06002
Submitted Via: Web
Date Sent: 2022-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-27
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Accounts/ inaccurate information reflecting on my credit file. These accounts do not belong to me and was not authorized neither do I have any knowledge of. I am a victom of identity theft and am requesting that these accounts be removed immediately. XXXX COLLECTIONS, XXXX XXXX XXXX, BLOOMINGDALES, XXXX, XXXX, XXXX. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33015
Submitted Via: Web
Date Sent: 2022-09-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A