Date Received: 2022-09-20
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I opened a city priority account which requires a minimum Balance XXXX to avoid the monthly service charge, I was told by a banker that they would be able to transfer my brokage account that has a balance of XXXX, the process never happened that way, i initially opened the account with XXXX dollars but it was closed and i was charged XXXX dollars for each month the account was never in use as i was waiting for the transfer from the banker I spoke with, at this point i would like to get a refund of all my fees that equal to XXXX dollars was told that of the account was open they would be able to give me the cash but because it was not open that they would not be able to i am hoping that you can get involved to help thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60653
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: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: Reference # XXXX I own a Media Production company called XXXX XXXX XXXX and XXXX XX/XX/XXXX my company was contracted to do a project with an artist/visionary represented by a major media corporation. The job required that I sign an XXXX to not disclose anything about this project, and part what was in the XXXX was the long hours and dates of commitment and the requirement to turn in your phone and apple watch when you are on set. First day of Production was XX/XX/2022 so since then I was out of commission and out of reach for the most part, however we will get a day or hours of break here and there. Upon what I thought was my first one week long break from the production on XX/XX/2022 I checked my bank account and saw series of transactions that I did not do or authorized, I called the bank to have my card cancelled and initiate a dispute/fraud alert, upon spending over an hour on the phone going over the fraudulent transactions with the bank representative I was speaking with, she told me that her attempt to submit the transaction for dispute failed because their system was down, she told me to call back at later time and have the dispute put through, she also told me that whenever I call that the transaction is already recorded and I wouldn't have to go through the ordeal of identifying them, she also went ahead and cancelled my card and issued a new one. The next day I called them and I couldn't get through and that same day I had a SOS from the people I was working for requesting that me and my team report back the same day for some work related emergencies. I went back to work and two weeks later we finally have our first week of break and on XX/XX/2022 I spoke with several of the bank representatives, some who hang up on me or perhaps a drop call and finally was able to get one who was patient enough to submit the the claim while I went through the ordeal of identifying the transactions as all the Bank representatives I spoke to before him on the same day and even the one that finally took the claim said that they do not see any note regarding calling about this same issue on XXXX/XXXX/2022, and few days after having this case finally filed I received a letter dated XX/XX/2022 saying that I am responsible for this charges. First of all, what sort of investigation takes one day? I saw this letter two days ago and upon reading it my XXXX XXXX went up, I've suffered a XXXX in the past so I have to let me calm down before i could respond to it as my body and mind was going through the trauma response of this letter and for the past two nights I haven't been able to sleep.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11206
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: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Dear rep ' Please be notified that in the last XX/XX/XXXX, i agree to exept " Citi Dimond Preferred card '' offers of balance transfers with 0 % APR for one year, i requested balance transfer to my credit card account with XXXX XXXX of XXXX, and i start send citi diamond first payment at XXXX XX/XX/XXXX, sinc XX/XX/XXXX till XX/XX/XXXX i end up sending to citi dimond payments total of {$17000.00}. when i recieved the last statment for XX/XX/XXXX showing balance of {$3600.00}, i decided to check that with XXXX XXXX, i spoked with the super visor of XXXX XXXX that review my account back for 14 months, find that NO money was transferd by citi dimond whath 's or ever. on the top of that citi diamond claim sending found under my name to XXXX XXXX XXXX XXXX XXXX, that not even belong to me, i never add any XXXX XXXX XXXX i want to indicate that citi diamond did not send me any card with my name. i'me XXXX XXXX XXXX, living on social security income, and raising my XXXX grendchildren, i can't afford to loss money. please, i desperately need your help to solve this issue by getting my money refund to me. I having all the docments to proofs this claim. Thank you. 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: 11572
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: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: I am 12 days late on my credit card payment and have received 14 robo-calls from Citi bank between the dates of XXXX XXXX XXXX and XXXX XXXX XXXX. This feels like harassment and I've blocked their phone number on my phone, but this doesn't prevent them from leaving voice-mail and filling my voice-mail box, preventing me from receiving future voice-mail from potentially much more important people unless i go through and delete the voice-mail daily. On average, Citi bank calls 3 times a day, leaving voice-mail ranging in length from 1min 2sec long to 2min 11sec long. I'm well aware I have a payment due and I will be getting paid in the next few days to complete this payment as I do not want my account to become 30 days late. This feels like harassment and they shouldn't be able to call every day, 3 times a day, leaving 3 voice-mail a day... The payment was due XXXX XXXXXXXX XXXX These calls are on XXXX and each call has an accompanying voice-mail : XXXX XXXX calls : XXXX, XXXX, XXXX. XXXX XXXX calls : XXXX. XXXX XXXX calls : XXXX, XXXX, XXXX. XXXX XXXX calls : XXXX, XXXX, XXXX. XXXX XXXX calls : XXXX, XXXX, XXXX. XXXX XXXX calls ( so far ) : XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80120
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: 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: This is not a duplicate complaint. I filed a complaint in regards to my Citibank XXXX XXXX XXXX ending # XXXX not a Home Depot account handled by Citibank. To date my complaint in regards To the Citi XXXX XXXX XXXX ending # XXXX, has not been acknowledged by all parties. On or around XX/XX/2022, I filed a complaint with the CFPB against, Citibank, XXXX and XXXX, XXXX for refusing to report my Citibank XXXX XXXX card ending account # XXXX. In my complaint I did not say Home Depot credit card handled by Citibank I specifically wrote in my complaint that Citibank is refusing on report Citi XXXX XXXX card ending account # XXXX. Instead of Citibank properly investigating the right account and acknowledging the core competences of my actual complaint file with CFPB in regards to my Citibank XXXX XXXX card, Citibank used another delay and fraudulent tactic by responding to CFPB with a different account with full knowledge this was the wrong in account in question further delaying reporting of a line of credit and history in good standing effectively lowering the credit scores of Americans of XXXX descent. On or round XX/XX/2022, I received my XXXX, XXXX and XXXX credit report and noticed they are inaccurately reporting my Citibank XXXX XXXX card ending account # XXXX current open line of credit with excellent payment history as an account in dispute without payment history I have never contacted Citibank or the three credit bureaus and disputed Citibank XXXX XXXX card ending account # XXXX line of credit. In addition, XXXX/Citibank refused to report any payment history for this account or current balance left this information blank effecting my debt to credit ratio, effectively impacting the credit score. I believe this reporting error is intention and designed to lower credit scores of Americans of XXXX descent. I want the CFPB to investigate this deceptive business practice and find out how many Americans of XXXX descent are being impacted by this deceptive reporting practices and hold Citibank/XXXX accountable. I want CFPB to investigate Citibank fraudulent responses CFPB consumer complaint and how using other wrong account information to respond to consumer complaint to deflect their deceptive business practices on the right account held by Citibank. I also want the CFPB to enact and enforce laws to protect consumer from this type of abusive reporting practice designed to lower American of XXXX descent credit scores.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: XXXXX
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: 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: This is not a duplicate complaint. I filed a complaint in regards to my Citibank XXXX XXXX XXXX ending # XXXX not a Home Depot account handled by Citibank. To date my complaint in regards To the Citi XXXX XXXX XXXX ending # XXXX, has not been acknowledged by all parties. On or around XX/XX/2022, I filed a complaint with the CFPB against, Citibank, XXXX and XXXX, XXXX for refusing to report my Citibank XXXX XXXX card ending account # XXXX. In my complaint I did not say Home Depot credit card handled by Citibank I specifically wrote in my complaint that Citibank is refusing on report Citi XXXX XXXX card ending account # XXXX. Instead of Citibank properly investigating the right account and acknowledging the core competences of my actual complaint file with CFPB in regards to my Citibank XXXX XXXX card, Citibank used another delay and fraudulent tactic by responding to CFPB with a different account with full knowledge this was the wrong in account in question further delaying reporting of a line of credit and history in good standing effectively lowering the credit scores of Americans of XXXX descent. On or round XX/XX/2022, I received my XXXX, XXXX and XXXX credit report and noticed they are inaccurately reporting my Citibank XXXX XXXX card ending account # XXXX current open line of credit with excellent payment history as an account in dispute without payment history I have never contacted Citibank or the XXXX credit bureaus and disputed Citibank XXXX XXXX card ending account # XXXX line of credit. In addition, XXXX/Citibank refused XXXX report any payment history for this account or current balance left this information blank effecting my debt to credit ratio, effectively impacting the credit score. I believe this reporting error is intention and designed to lower credit scores of Americans of XXXX descent. I want the CFPB to investigate this deceptive business practice and find out how many Americans of XXXX descent are being impacted by this deceptive reporting practices and hold CitibankXXXX accountable. I want CFPB to investigate Citibank fraudulent responses CFPB consumer complaint and how using other wrong account information to respond to consumer complaint to deflect their deceptive business practices on the right account held by Citibank. I also want the CFPB to enact and enforce laws to protect consumer from this type of abusive reporting practice designed to lower American of XXXX descent credit scores.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: XXXXX
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: 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: This is not a duplicate complaint. I filed a complaint in regards to my Citibank XXXX XXXX XXXX ending # XXXX not a Home Depot account handled by Citibank. To date my complaint in regards To the Citi XXXX XXXX XXXX ending # XXXX, has not been acknowledged by all parties. On or around XX/XX/2022, I filed a complaint with the CFPB against, Citibank, XXXX and XXXX, XXXX for refusing to report my Citibank XXXX XXXX card ending account # XXXX. In my complaint I did not say Home Depot credit card handled by Citibank I specifically wrote in my complaint that Citibank is refusing on report Citi XXXX XXXX card ending account # XXXX. Instead of Citibank properly investigating the right account and acknowledging the core competences of my actual complaint file with CFPB in regards to my Citibank XXXX XXXX card, Citibank used another delay and fraudulent tactic by responding to CFPB with a different account with full knowledge this was the wrong in account in question further delaying reporting of a line of credit and history in good standing effectively lowering the credit scores of Americans of XXXX descent. On or round XX/XX/2022, I received my XXXX, XXXX and XXXX credit report and noticed they are inaccurately reporting my Citibank XXXX XXXX card ending account # XXXX current open line of credit with excellent payment history as an account in dispute without payment history I have never contacted Citibank or the three credit bureaus and disputed Citibank XXXX XXXX card ending account # XXXX line of credit. In addition, XXXX refused XXXX report any payment history for this account or current balance left this information blank effecting my debt to credit ratio, effectively impacting the credit score. I believe this reporting error is intention and designed to lower credit scores of Americans of XXXX descent. I want the CFPB to investigate this deceptive business practice and find out how many Americans of XXXX descent are being impacted by this deceptive reporting practices and hold CitibankXXXX accountable. I want CFPB to investigate Citibank fraudulent responses CFPB consumer complaint and how using other wrong account information to respond to consumer complaint to deflect their deceptive business practices on the right account held by Citibank. I also want the CFPB to enact and enforce laws to protect consumer from this type of abusive reporting practice designed to lower American of XXXX descent credit scores.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: XXXXX
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: Closing an account
Subissue: Company closed your account
Consumer Complaint: Hello. My name is XXXX In XX/XX/2022 I opened a Citibank account and deposited money into it from my job and earnings from the last 3 years I was using the account fine and everything was good but all of a sudden XX/XX/2022 I received a call from Citibank stating that there was some fraud un authorized ACH activity going on in your account do you recognize it?. I immediately went through my online banking and responded back that it was not me and it was a fraud then the fraud department started a claim for me while I was on the phone with them and suggested I open a new account and transfer my available funds to a new account to avoid further fraud so I opened another account by one of customer service agent online ( through ) and transfer my funds to the new account. After that by XX/XX/2022, I called to fraud department to know the status of my fraud claim they mentioned claim is closed and my account was credited with the funds and I have full access to use my funds after that. On XX/XX/2022, I received an email from Citibank stating that " Your Citibank accounts will automatically close within 60 days '' and " We found that you have violated the terms of your account per the client manual. ". and in that email, they mentioned I can get my funds after 60 days through the mail by check but if I want to access my funds sooner I have to visit the branch with my id I have attached pictures of the email below. This came as a surprise as I was not using this account for any illegal or malicious purposes. I used this banking account to make purchases ( food, clothing, etc ), and also I have a plan to purchase a home in the future as well as to receive incoming deposits from my small-scale self-employment and job, Between that time and now, I have called Citi Bank XXXX00+ times , constantly getting transferred, being told that there is no specific information they can give me and that I will receive my funds within 30-60 days. I was also told numerous times that the reason it looks my account has been marked for closure is because of suspected fraud. With that being said, I must say that It is rather remarkable that a large corporation such as Citibank holds nearly { {$58000.00} } of someones money simply because they suspect fraud as if it would not be very easy to simply have the client verify the transactions that are in question. That same day, XX/XX/2022, I called the bank 's general number and was transferred over to the fraud department who said that they could not provide any info and then I would need to simply wait it out. After one month I visited a local branch XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX on XX/XX/2022 that same day and was told that I would need to once again call the fraud department because they are the only ones who can help with that concern. For the next 2 months, the same day I called the branch manager the person from the fraud department who hold my account illegally she did not mention her name and said you will receive zero dollars what can you do and she humiliated me with a sarcastic way repeatedly I felt first time in my life, XXXX, tired and even I cried all the day just because dont know what to do. From the same branch, I took copies of my statements and recent transactions also someone from the bank understands my situation and I was suggested by one of the bankers in the branch to contact CFPB to get some help. Please help me to recover my funds from Citi Bank 1 ) Citi bank XXXX 2 ) No customer service 3 ) Even if they are not explaining to the bank manager 4 ) Citi Bank not even following the instructions provided by the Citibank to me by email I am attaching all the necessary documents please help me
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-09-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-20
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I spoke with Citi bank via phone call on XX/XX/2022. I informed the representative I had fraud occur on my account and I wanted to report it. I reported the fraud and was informed my investigation would be started. XX/XX/2022 I receive an email saying Citi was closing my credit card account. I called Citi and spoke with XXXX in the XXXX XXXX department at XXXX XXXX. I informed XXXX I was a victim of fraud and she refused to help. XXXX was unnecessarily snark and condescending. I felt helpless and shamed for being a victim.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91752
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: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I recently made a military move from XXXX to XXXX. I opened a Best Buy credit card to help make purchases for the move in XXXX. When I was applying for the credit card, the Best Buy sales associate pulled the information from an old Best Buy account account that was on file. I told him the address was not up to date. He said to just leave it as is and to update the address later so I did not update the address. After opening the account, I called Best Buy to change the address on file for me and they restricted my account because my phone number was not eligible to receive text messages that verify my identity ( my cell phone is under my husbands name because we have a family plan ). The only solution Best Buy/Citi bank can offer to unrestrict my account and update my address so that I can receive my credit card is to mail a letter to my old address in XXXX to verify me. I have told them several times I can not receive that letter because I live in XXXX. The associate I was working with went on and asked me to get a hold of the person who lives there and have them open my mail and read me the code so I can verify myself to Best Buy. This was the best solution they could come up with. Now they are saying there is nothing else they can do and I am unable to receive or use my credit card because of fraud concerns. When I open the credit card I spent {$2400.00} on the card and later payed the balance in full no more than two weeks later. The payment and account opening both happened in XXXX. How does that sound like fraud?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91803
Submitted Via: Web
Date Sent: 2022-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A