Date Received: 2022-09-21
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I opened a Citi account on XX/XX/2022. Since that time I've been able to login into my account, make deposits and withdrawals without any problems. However, on XXXX XXXX, I attempted to login into the Citi mobile app, and received a notification that my access was blocked. I was attempting to login to the mobile app to try to a deposit a check that I received from the Department of the Treasury, the check was for Rental Assistance which I was approved for and they mailed the check directly to me and I received the check on XX/XX/2022. Once I received the check and deposit I'm suppose to give the landlord a certified check of the full amount of {$19000.00} and provide proof/confirmation that the fund were appropriately used for rent owed. I called on XXXX XXXX and told them my account was restricted, they asked me for my phone number to send a verification code to verify me, when I gave them the number that was on my profile with the bank, they said they can't verify me using that number. I informed that this is the only mobile number I have. They told me they exhausted all options and then hung up on me. The morning of XX/XX/XXXX, I called again, they were able to verify me with a security question and they told me the block was lifted. I went to the bank on XX/XX/XXXX, and the deposit the check, they told me it would be available on XX/XX/XXXX. On XX/XX/XXXX, I went to the bank do process the certified check to give to landlord and was told that the account as blocked again. The called the fraud department for me at the branch, and I was told to 24-48 hours for them to verify me. Once again, they tried the mobile that's on the account and I was told they couldn't use that number. I spoke to XXXX XXXXXXXX, they said I should be receiving a letter 3-5 business with a reference number and once I receive the letter call, and give them the reference number to verify the the account. On XXXX XXXX I received the letter, the directions on the letter said they're sending me this letter to confirm a recent activity on my account and they can only do so by speaking with me directly. They said they have placed my account in a restricted to call the XXXX XXXX with the reference number that's in the letter. I spoke to several of agents, they told me that reference number is not working. I explained to them that's the number that's on the letter. They told me to wait 24-48 hrs or go to the branch to verify me. I went to the branch, they were able to verify me but the fraud prevention said they couldn't lift off the restrictions. I explained to them the check that was on the account was a government check for rental assistance and I need to give the funds to the landlord and submit proof that I've given the funds to landlord right away. They told me to wait another 24-48 hours. On XXXX XXXX, I went to the Citi bank branch, the bank manager spoke to them, told them she verified all my information but then they told me they are in the process of closing the account and any fund that's on the account will be mailed to me within 30-60 days. I told them I'm suppose to give the check to landlord right away because I get in trouble with IRS and face possible fraud charges if I don't submit proof that the landlord received the fund immediately. I told them that I was at the branch, if they want to close the account I should be able to withdraw the funds or they can overnight the check back to me. They told me I have to wait 30-60 days to get the funds. I told them I will be facing eviction or possible jail time if I wait that long but they didn't show me any compassion. I spoke to about 10 agents and they all told me something different and now finally without any warning they closed the account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07036
Submitted Via: Web
Date Sent: 2022-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-21
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: I was contacted by someone claiming they had legal documents that were returned to them using my current address. She said to contact the attorney at XXXX using case XXXX XXXXXXXX regarding a civil lawsuit. Upon calling this number, I spoke with the " attorney, '' who claimed I was being sued for {$13000.00} for a Citibank Credit Card allegedly opened in XXXX. The settlement she offered was {$1800.00}. When I pressed for more information, such as the principle balance and other details -- seemingly amused, she laughed and scoffed. I questioned her about what was funny, and she sarcastically stated she was trying to help but was not forthcoming about any details. I did not open a Citibank visa in XXXX, and the address she provided at the time the account was opened was an old address from which I moved in XXXX. I mentioned I do not know such an account. I enjoy exceptional status with my current and up-to-date relationship with Citibank. I doubt I would be approved and issued the credit card I have with them if I was in arrears with them. Further, it is bothersome that they have personal information, including SS #, address, and phone #, attached to this false claim -- which has never been on my credit report and is XXXX XXXX XXXX. Further, she claimed and was implying that they would continue action against me if I did not settle this debt. This episode is not the first time a collector has attempted such an action. Looking at previous claims in my history, you will see that three different law firms have tried the same tactics for Citibank. XXXX, XXXX, and XXXX is the name of the current firm.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-21
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Best Buy Credit Card Company I made a purchase for goods for delivery and returned it the next day. Everything was credited to my account except for XXXX dollars. I paid that off immediately but they continued to charge me interest over the next months plus late fees that I could not figure out where they were coming from. They charge me close to XXXX dollars in late fees and I never had a balance on my credit card. Fraudulent company and policies I finally closed the account and then the lady told me I would still be charged interest even though I had a zero interest plan!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80304
Submitted Via: Web
Date Sent: 2022-09-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-21
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Macys stated that I called to close my account this is not True I never called to close my account. I only called Macys when I knew my card was not working and they informed me that my card was closed. Macys had No reason to close my card. Macy should have verified with me before closing my account. Macys and XXXX try to pull my credit when I have a security freeze They should have called me in my number and Verified if I did the Credit inquiries.but they did not. They violated my privacy act. The following are the Credit inquiry dates. XXXX XX/XX/2022 XXXX XX/XX/2022 2022
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11377
Submitted Via: Web
Date Sent: 2022-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-21
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I received a phone call from someone who was impersonating a Cit bank representative on XX/XX/2022. They told me that I had suspicious activity on my account. When I looked I saw that there was suspicious activity and they told me they could help me to resolve this. Then the hackers created two fraudulent accounts under my name and moved money into those accounts as well as transferred money out of my account into XXXX accounts in the amounts of : - XXXX to someone by the name of XXXX XXXX - XXXX to XXXX XXXX XXXX to XXXX XXXX - XXXX to XXXX XXXX I do not know these names or who these people are. As soon as I realized this was fraud, I submitted claims with Citi bank ( on XX/XX/2022 ) and since received a response that Citi is unable to honor my request for reimbursement because the online credentials were required to perform the transfers and the activity appears to be consistent with my normal banking activities. That is not true. I have never opened another checking account nor do I ever use XXXX for any transactions. I re-opened my claims to dispute on XX/XX/2022. I filed a police report on XX/XX/2022. As soon as I can get a copy of that I will submit that here.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11050
Submitted Via: Web
Date Sent: 2022-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: It appears that my credit/my credit file has been compromised. Again, I was going through my records & noticed many information, account or item which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove this file. CITI XXXX Date Opened : XX/XX/2016 Balance : {$5600.00} If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11211
Submitted Via: Web
Date Sent: 2022-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-21
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I received a letter in the mail today from Citi Bank regarding an application for a Citi Customer Cash Mastercard account, which I did not apply for. The letter is dated XX/XX/2022. I have never done business with this company nor did I request to have an account with them. I'm unsure of how they obtained my information and would like proof from them that I applied for this credit card. The letter was sent to a previous address that I have not lived at in a year.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43035
Submitted Via: Web
Date Sent: 2022-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-20
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: On XX/XX/2022, I responded to an email offer from Citibank to apply for their XXXX card and receive XXXX bonus miles after I spent what I think was {$3000.00} in the first three months. I was instantly approved for the card. Today, I called the customer service department to find out what amount of purchases I needed to make in what time frame to get the XXXX mile bonus. The woman who was helping me said there was no bonus offer on my account. I was then cutoff, and had to go through the computerized system again to get to another customer service agent. I believe I was speaking with the same person, and asked to speak to a manager. She said she would take notes, and then I was cutoff again. I am very clear that I responded to a marketing email specifically sent to me in my name offering the bonus if I was approved for the card. I am extremely dissatisfied that I have been told I am not getting that after spending several XXXX dollars on their card. I feel totally deceived and ripped off. I am also very unhappy that the person on the front line can hang up on customers who are trying to resolve a problem.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97401
Submitted Via: Web
Date Sent: 2022-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-20
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: My application was not approved with the following reason : " We were unable to approve your application because we couldn't verify some of the information on your application. '' When I reached out to the credit card company ( which itself was overly burdensome ) they would not let me know what information needed verification and they wouldn't give me any other reason for the rejection.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33143
Submitted Via: Web
Date Sent: 2022-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-20
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Citibank Amount : XXXX Date : XXXX XXXX I made the report that there was a transaction that was done in my account that I have no idea about. They said they will investigate the case with the case number of XXXX. I asked them if I need to report to the police but they said there is no need for the case is under investigation. I made a follow up call after 3 days and they said that it is still under investigation. I have to wait for 10 business days to receive my funds back. So, I called XX/XX/2022 and I was just shocked that they denied my claim. The reason they gave was too vague and that I asked them what is this company that made withdrawals of my money. I made a few phone calls and was treated rudely. I was directed by one of the calls I made and told me to report it to the Police and they will re-investigate. The name of the merchant is XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91776
Submitted Via: Web
Date Sent: 2022-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A