Date Received: 2022-09-27
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: I was a victim of a fraudulent wire transfer of {$15000.00} from my checking account I called to report the fraudulent transaction before the transfer was completed! Even after the long waiting time, the first representative confirmed the full balance of {$15000.00} in my account- the transfer was not completed yet! I was begging for help, but the representatives put me on hold twice not able to block the account! The Citi Bank representatives wasted more than 30 m the waiting time, in the identification process a second time after I was already fully identified! The transfer was done in the presence of the second representative talking to me, identifying me for the second time, and not accting to prevent the transfer! The two representatives did not coordinate their actions and Citi B Fraud Prevention Dep. doesn't take the appropriate measures to prevent fraud! I called numerous times to talk to Citi Bank representatives from the Fraud Prevention department, asking to speak with the agent Investigating the case about the fact that I called Citi Bank before the transfer was completed. On three occasions trying to reach out to the representative from Fraud Protection Department, I was told that an agent will contact me in the next 24 to 48 hours, but I haven't been contacted to this moment. The decision of the Fraud Protection Department to deny my claim is based on the conclusion that " I did not safeguard my account and this directly contributed to allowing the transaction ''. In the investigation, they completely avoided and exclude the fact that Citi Bank representatives failed upon my request to block my account! If the representatives have adequate instructions on how to act and what to do in situations with urgent requests to block the account in case of criminal activities this transfer would be prevented! - This will be an adequate action for Fraud Prevention! After 28 years of banking with Citi Bank, now when I am unemployed, on SS of {$1000.00} per month, ( {$10000.00} total after Medicare payment ), and I have in my Citi Bank account {$15000.00} savings to help me survive, Citi Bank did not assist me to prevent the fraudulent activity, or neither investigated with the Beneficiary bank where my money is! Every transfer has a trace- Citi Bank has the Beneficiary bank information and the Beneficiary account, but no one of the two banks cares to create a system of fast communication in order to prevent the hackers from successfully moving and styling the funds! Two regulated XXXX XXXX took 4 days to electronically communicate information regarding criminal activity and non of them was able to block my account before the transfer, or the beneficiary account after the transfer was reported by me to the beneficiary Bank on the day when was done! We are left on our own to " safeguard '' our online accounts, and the Bank just can deny any responsibility for any kind of fraudulent activities from the online accounts, allowing Scammers and Hackers to succeed in their fraudulent criminal activities without any effort to protect or recover the funds! I did not receive help! All that I heard were the answerers - " We can not! We have to wait for Citi Bank, or We have to wait for the Beneficiary bank '' ... Took days for them to communicate electronically, and took minutes to send my money somewhere and made the funds immediately available for stealing? Nothing was done in a timely manner to prevent crime and scammers and hackers are aware of the inefficient actions and communications between the Banking institutions! I am XXXX XXXX XXXX and this incident and how Citi Bank handled the case are causing me a terrible feeling of vulnerability, helplessness, and inability to operate in simple daily tasks! Thank you for your time in reviewing my claim and please let me know if you need anything else. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 100XX
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: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX RE : Complaint against CitiBank and theft of funds Dated : XX/XX/2022 On XX/XX/2022, I went to see my father in law XXXX XXXX at XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX, NY XXXX. I brought 2 envelopes that came into our mail box addressed to him I explained to XXXX that it was hard for me to pay the rent and bills on my own and that I was trying best to hold the apartment for him until he is stable to come home. I explained that my mom passed away last year and I can not afford to pay all the rents.these hardships caused me to go into debt. I asked XXXX if he could offset what was owed with his checks that he hasn't cashed in many years. he agreed and said he never wanted the burden on meXXXX is XXXX and has no movement in both his arms and hands. So I helped him endorse the checks to be deposited into my citi mobile deposit so I can pay the rent I immediately paid ( via mobile deposit ) XXXX rent which I was behind because I'm injured and work part time I then received my pay check the next day which together with XXXX 's check was supposed to be forwarded to XXXX 's rent. XXXX Bank froze my hard earned money I worked for and froze my XXXX father in laws check towards XXXX 's rentI am trying to have my father in law come back home to a stress free house and his rent paid in fullBut it appears that Citi has stolen our funds that we need to pay bills. Also, we pay the rent every month in which it is documented.There is no fraud My father in law endorse the check because of his XXXX and attempt to hold our only home we have. Wherefore, I hereby respectfully request you and your office to please contact Citi who refuses to be reasonable and return our funds so we can pay our rent and billsI 'm a struggling father of XXXX small children and my mom died and father in law is all I have I thank you in advance for your help and assistance regarding this serious matter before I get evicted Sincerely, XXXX XXXX and family cc : file
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11209
Submitted Via: Web
Date Sent: 2022-09-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-27
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 an open end consumer credit plan as late for any purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 752XX
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: Account information incorrect
Consumer Complaint: I was recently reported late on my XXXX account. I made a very small purchase and later exhanged/returned items. It was my understanding explained to me from the cashier that I did not owe a balance. Therefore, this small balance slipped through the cracks and ultimately caused me to be late. This is an honest mistake and I kindly ask XXXX to reverse the late payments as a sign of good faith and goodwill. My credit is suffering from this honest mistake and I am unable to get reasonable financing terms for day to day living expenses. Please help with removing the lates associated with this account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95128
Submitted Via: Web
Date Sent: 2022-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-27
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXX XXXX XXXX pulled my credit report three times in XXXXXXXX XXXX XXXX, and I only applied once.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08527
Submitted Via: Web
Date Sent: 2022-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-27
Issue: Closing an account
Subissue: Fees charged for closing account
Consumer Complaint: On XXXX XXXX, 2022 I received a promotion w/ a link from Citibank XXXX for a 12 months No Penalty CD w/ 2.25 APR. The link took me to the bank wed side. I opened the CD for {$17000.00} dollars, ending in XXXX then I realized the CD default in the link was a 12 months Penalty CD w/ 2.00 APR. I called Citibank 1 minutes later, the bank informed me that I need to waited 24 hrs for the CD to show in their system, it was a Friday. I call XXXX, XXXX, Monday 2022 to XXXX XXXX they told me to call XXXX, the agent told me to call XXXX. At the last call they told me that they can not change my CD, because I need to wait 30 days, and I was going to be penalize {$170.00}, even thought I call with in 5 minutes of the CD been opened. This was a misleading advertising by City. First they sent me a link with a promotion and then the link took me to another promotion. In the XXXX XXXX XXXX XXXX XXXX spoke to XXXX ID : XXXX supervisor, refused to give me her last name. PS : Be advised that you closed my previous complaint XXXX, under the argument that it was not me.. This is my phone XXXX XXXX XXXX, XXXX, in case you want to contact me. thx
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10703
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: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: in accordance with The Fair Credit Reporting Act. This creditor has violated my rights under 15 u.s.c. Anyone section 602 States, I have the right to privacy 15 USC, 1681 section 60 for a section 2. It also States a consumer reporting agency can not furnish at a kind of count without my written instructions under 15, USCS 1666. Be a creditor may not treat a payment on a credit card account. Under an open end XXXX XXXX plan as late for any purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08080
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: 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: XX/XX/2022 fraudulent charges to XXXX XXXX were made for {$120.00} twice. Filed a dispute with Citi and closed account with number ending in XXXX. Citi issued a new card. XX/XX/2022 ( Card was closed at this time card ending in XXXX. ) Fraudulent charge for {$76.00} made to XXXX. Filed a dispute with Citi Citi told me that I needed to contact XXXX. On XX/XX/2022, I called the number that was listed on my statement from Citi ( XXXX ) and talked to XXXX. She said there was nothing they could do. XX/XX/2022 received a letter from Citi stating my dispute has been closed and the {$76.00} is now my responsibility. XX/XX/2022 again contacted XXXX at the number listed on my account ( XXXX ) and talked to XXXX and they have no record of a payment for {$76.00}. I have auto pay set up with Spectrum using a different credit card, my monthly total is {$74.00} per month. XX/XX/2022 wrote a letter to Citi Security Services detailing all of this information along with supporting documentation and have never heard back from them. XX/XX/2022 I paid the {$76.00} bill as I did not want to ruin my credit. XX/XX/2022 called Citi and talked to numerus people ( I was on the phone for over two hours ) they stated that I should be getting a refund.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48843
Submitted Via: Web
Date Sent: 2022-09-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-27
Issue: Money was not available when promised
Subissue:
Consumer Complaint: Yesterday I ordered a wire transfer online to be made by my bank, Citibank. They suspended the wire, telling me that they had a new policy that al wires are delayed foXXXX XXXX XXXX. However, they debited my account by the amount of the wire immediately. So it sounds like Citibank has decided to keep the interest on all wire transfers for XXXX XXXX If this isn't illegal, it ought to be!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 94306
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: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: End of XXXX, i discover that someone did a lot of withdraw totally XXXX in my Citibank account that dont have debit card and never had in XXXX years a debit like those. This bank account wasnt used. We only had sent money to another account to pay bills. This was an account that we keep more amount of money and nobody has acess only I. Then they immediately refund the money and we block that account. And we move all amount to another citibank account that has debits for online commerce and everything. That is the account that occur the payments and everything. Then on XXXX XXXX citibank withdraw XXXX and move into compromissed account and paid those debits. I call yesterday XXXX hours and nothing. Today i opened XXXX claim and they told me that they wont refund because my case was not favorable and because this they withdraw the money without any consent. They never sent me a message. I dont know how they could withdraw from this account because i never did on XXXX years. I dont have any relationship with the companies that make debits there. I fill out a police report also that number is XXXX. Now i had customer that deposit XXXX in this citibank account and citibank dont send me this money back also. I urge need help to solve this. Its my name, its my company name.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33321
Submitted Via: Web
Date Sent: 2022-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A