Date Received: 2022-09-17
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have 2 closed accounts Citi cards and XXXXXXXX XXXX. I got I contact with both of them and they agreed to remove to account if I paid the accounts. I paid them and they still on my report. They was prepaid cards and I haven't received my deposit back yet either.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27330
Submitted Via: Web
Date Sent: 2022-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-17
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: Best Buy is original creditor. Last purchase was on XX/XX/XXXX. Last payment was on XX/XX/XXXX. XXXX XXXX and XXXX acquired on XX/XX/XXXX. XXXX XXXX and XXXX hired law firm XXXX XXXX XXXX ) to sue me. XXXX XXXX XXXX signed Default Judgement on XX/XX/XXXX. Based on this information XXXX XXXX and XXXX, XXXX XXXX, XXXX XXXX Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX; all violated my rights and the following laws : violations of Section 392.307 of the XXXX XXXX XXXX : Failure to Notify the Consumer of the limitations period has expired & Title 12, Section 1006.26 of the Code of Federal Regulations : New rules from the XXXX Consumer Financial Protection Bureau prevent debt XXXX from suing or threatening to sue over time-barred debts. I formally request that XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, State of Texas XXXX XXXX XXXX XXXX XXXX stop any and all attempts to collect on this debt, rescind/vacate/set aside ( cancel ) Default Judgement immediately. XXXX XXXX XXXX XXXX XXXX XXXX acted in bad faith and failed to notify me of the statute of limitations while the law suit was at court.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78577
Submitted Via: Web
Date Sent: 2022-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-17
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: Approximately, earlier this year we opened a new credit card for our purchases. We closed the Costco Anywhere Visa Card from Citi and waited for charges to clear. All payments were made on time. I noticed a recurring charge from XXXX. We were already paying XXXX from a separate account. I called XXXX and we went over every account in the house, tv by tv, to discover which tv was being charged. None in the house were being charged including handheld personal devices, phones, laptops, and XXXX. This prompted me to file a dispute to charges on my credit card with Citi ending in XXXX and later reissued to end in XXXX. A short time later, the dispute was refunded to our account and I asked for a refund since the account was closed. That refund was sent to us. I deposited it in our account and considered the matter and account closed. In XXXX, I get an email from Citi stating that we have a balance, and my statement is available by the email link. At the time, I ignored the email, thinking that the company made a mistake and they will correct it over time. On XX/XX/XXXX I get another email that says I have a balance of {$490.00}. I notice that the balance is increasing. It also states a minimum payment of {$75.00}. I contacted Citi customer service on XX/XX/XXXX at approximately XXXX XXXX XXXX. I was told that a portion of their company that handles disputes changed their decision and that I was notified in XXXX by paper statement and electronic statement. I have NOT EVER received a paper statement. I stated to the representative that I can not access this information I no longer have the credit card number ( which would allow me to recover my online id and eventually password ). The representative then stated that she could change me over to paper statements delivered to my home. That seemed like an odd thing to say if I was getting paper statements as stated by the representative previously. Regardless, a paper statement is being sent which will arrive in 7 to 14 business days according to the representative. I also asked that all late charges on this account be suspended until this issue is resolved. Not sure where to go with this next. I feel like I did all the steps I was supposed to do. Citi made their decision and refunded the amount. We closed the account and moved on. Then CITI changed their mind and recharged us again. They also failed to provided notice except by email of a statement we couldn't access. They also did not mail to us a copy of their decision to change their mind on the issue. No even sure how that is allowed. Can provide more detail when the statement arrives. Will also be asking for an explanation in writing of the change in decision on our disputed charges.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97306
Submitted Via: Web
Date Sent: 2022-09-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-17
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Citibank abruptly locked my checking account with a balance of {$1500.00} allegedly because of fraudulent activity. I did not request them to make a debit card nor have I ordered checks for the account, so the only access to the account is either in-person at a branch ( I live in XXXX, and there are no branches in the entire city ) or through online means such as XXXX, XXXX, XXXX XXXX XXXX. So far, I have only used the account for deposits from my XXXX sales and withdrawals to my XXXX investment account. No other charges have been attempted on the account. No fraudulent attempts to access my account have been revealed and every transaction has been verified by me as valid. When contacting Citibank, they would not give me a way to remedy the situation but instead always claim they are elevating the case and it should be resolved in 24 hours. I was told that 8 days in a row by their support staff. This is a XXXX situation for my funds without remedy, and I have already suffered fees from rejected ACH and lost opportunity from purchasing inventory.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77077
Submitted Via: Web
Date Sent: 2022-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-16
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: I completed an online purchase at XXXX XXXX with their branded card. They use Citibank to issue and process their cards. I have been double billed and the online department the credit department are playing the blame game. They each tell me the other needs to correct the issue. Neither is correcting the error.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32960
Submitted Via: Web
Date Sent: 2022-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-16
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I recently opened XXXX accounts with Citibank ( per direct solicitations from Citibank ) and, when paying my credit card on Saturday, XX/XX/XXXX, just happened to learn that my accounts are in the " process '' of being closed which can take up to 60 days. Upon finding out today, that after their review, Citibank will, in fact, be closing my accounts due to how the funds were obtained by Citibank. I was told that I will have to wait for a check, which could take up to 60 days. I have requested that the funds me made immediately available, as the account has been under review and the funds were made unavailable since Tuesday, XX/XX/XXXX. Below is the email that I sent to Citibank on Monday, XX/XX/XXXX. Additionally, the Requisition Number with Citibank for the claim that I filed with their Executive Response Unit is : XXXX. The analyst 's name is : XXXX, who told me is as high as I can go with Citibank, and that she reports to XXXX XXXX. [ Citibank 's XXXX XXXX XXXX 's phone number is : ( XXXX ) XXXX, and XXXX 's direct phone number is : ( XXXX ) XXXX. ] This purpose of this email is to file/register a formal complaint regarding the bait-and-switch scheme that I fell victim to that was entirely initiated by Citibank. The following explains why I believe the actions by Citibank are unethical and deceptive and I would like this resolved immediately. On Saturday, XX/XX/XXXX, I signed on to pay my Citibank credit card. When I signed on, the XXXX deposit accounts ( both a checking and savings accounts ) were just gone. It took well over four ( 4 ) hours on the phone between hold time, being transferred and hung up on to learn that I am considered a fraudster by Citibank simply for funding new accounts via XXXX systems/options. The follow couple paragraphs explain the events that lead to what was explained to me by XXXX in the Fraud Department I have been a Citibank credit card account holder since XXXX. On XX/XX/XXXX, after paying my Citibank credit card via my Citibank online account, I was invited to open a savings account, which had a promotional offer - I believe part of the promotion was to open, fund and maintain at least {$30000.00}. I decided to open the savings account at that time. As part of the account opening process, I was then offered the option to transfer money electronically to fund the newly opened savings account, all of which was through Citibank technology. When setting up the initial transfer of {$30000.00} on Thursday, XX/XX/XXXX, I realized that there was a limit of {$10000.00} per transfer, so I attempted to set up three transfers : The first one on Friday, XX/XX/XXXX ( Citibank XXXX Number : XXXX ) XXXX, the second for Monday, XX/XX/XXXX ( Citibank XXXX Number : XXXX ) XXXX and the third for Tuesday, XX/XX/XXXX ( Citibank XXXX XXXX : XXXX ) XXXX, again by using the channels offered to me by Citibank. I was actually surprised, and somewhat impressed, when Citibank suggested debiting the money to fund the new Citibank savings account from my XXXX XXXX checking account, which is the exact account that I have been paying my Citibank credit card from for a number or years now. On or about XX/XX/XXXX, I realized that all three transfers had not gone through as the balance in my new Citibank savings account was only {$10000.00} and the remaining {$20000.00} had not yet been debited from my XXXX XXXX checking account. I called into Citibank customer service to figure out why ALL of the transfers did not go through. The representative confirmed that only the first transfer of {$10000.00} took place, and that the additional two transfers were not completed. He could not explain why second and third transfer requests were canceled, but did reconfirm that they did not go through. He then explained how to transfer funds to the new savings account by using a different option/feature available in my Citibank online banking account, which I immediately used, transferring the remaining $ XXXX. I was finally able to bring the balance in my Citibank savings account to {$30000.00}. Everything seemed to be fine and well as I noticed interest had successfully posted to this account when I later signed onto my Citibank online banking account. In XXXX, I received a promotional offerXXXX in the mail to become a Citibank checking account customer as well. The promotion that was directly mailed to me by Citibank, with a promotion code ( Citibank Invitation Number : XXXX ) XXXX, solicited a bonus of up to {$2000.00} if {$300000.00} and above was deposited into the newly opened checking account within 20 days. On XX/XX/XXXX, I followed the instructions on the mailer, which was to visit citi.com/BetterChecking. The Citibank-driven process allowed me to sign in, which prefilled a lot of the questions that needed to be answered when applying for a deposit account. I confirmed that all the information was correct and advanced forward through the Citibank process. I did fund the account with $ XXXX by allowing Citibank to debit the same XXXX XXXX XXXX account that was debited the previous month. I did not initiate a transfer for the full {$300000.00} at this time because I wanted to make sure the full amount was available in my XXXX XXXX checking account. A couple of days later, when I was ready to transfer the remaining {$290000.00}, I signed onto my Citibank online banking account only to learn that I was limited to moving {$250000.00} per a rolling 30 calendar days. I then initiated another transfer of $ XXXX, which was the remaining allowable amount per Citibank that XXXX could request a transfer for. I called back into Citibank customer service on Monday, XX/XX/XXXX to find out how to get the remaining {$50000.00} in the new checking account. The representative that I spoke with this time confirmed that the limit was {$250000.00} and also reminded me that I only had 20 days from the day the account was opened to fully fund the account in order to get the promotion that I was offered. I then asked if there were any branches in Georgia so I could move the rest of the money into the new Citibank checking account before the 20 day cutoff date. The representative told me that there were no branches near me. No other options were suggested for me to make a deposit. After thinking through possible options for myself, I asked if making a deposit via bank-by-mail was an option. The representative said that I could do this, but suggested I do this as a last resort due to the time it would take for the physical check to be mailed and received by Citibank, which could have possibly been after the 20 day funding requirement. I then asked if there was a branch in XXXX XXXX, Florida, as I have a family member who could have made a physical check deposit for me. The representative confirmed that there were branches in XXXX XXXX and then proceeded to look up and provide me with the address of a branch on XXXX XXXX. I then asked my family member to deposit a check for $ XXXX into my new Citibank checking account in order to bring the balance up to the required {$300000.00} within the 20 day time frame of opening the account. ALL electronic movement of money to Citibank was initiated through a Citibank system/option. ALL funds to Citibank were successfully and wholly received by Citibank without any restrictions and/or concerns. My other accounts have been properly debited. Additionally, I have provided proof that a total that {$330000.00} ( which was deposited into Citibank accounts ) was successfully withdrawn from my accounts. I want to reiterate that the electronic movement of money was suggested BY Citibank as part of the account opening process, in which Citibank offered my XXXX XXXX account ( both name and number ). I did not even add a new account. I simply used the XXXX XXXX account information that Citibank already has on file AND has been debiting to pay my Citibank credit card. On Saturday, XX/XX/XXXX, XXXX explained to me that my accounts are scheduled to be closed due to fraud. I am appalled that Citibank would accuse me of fraud and close my accounts, penalizing me for utilizing the very technology that was offered to me after soliciting me for my money, having been a customer since XXXX. I am further shocked that NO communication was initiated by Citibank asking me about the validity of the funds that were successfully transferred to Citibank. I only learned that Citibank has called me a fraudster when I signed into my online banking to pay my Citibank credit card on XX/XX/XXXX. The complete and utter shock was unimaginable when I saw that both accounts just vanished from both my Citibank online banking account and from the automated system! This email is also to explain that absolutely NO fraud was committed in opening these accounts. I do not understand how Citibank expected me to fund the newly established accounts without a physical branch for me to walk into and deposit an actual check. Additionally, there was NO communication from Citibank regarding actions/investigations that apparently began on Tuesday, XX/XX/XXXX, almost two ( 2 ) weeks ago! Due to total lack of communication, I completely feel like just a number to Citibank. I completed all of the required steps to take advantage of the promotions that were offered to me by Citibank. I believe that Citibank has misrepresented itself and does not want to honor its promotion, so saying that moving my money from my accounts to my new Citibank accounts is a way to avoid honoring its commitment. This is highly unethical and very deceptive. If I knew funding the account would be considered suspicious by Citibank, I would have not moved forward with the account openings. I now have NO idea when or how my money will be returned to me. I was told this investigation could take up to 60 days, which means that Citibank will benefit from my money after defrauding me. Minimally, I should have been called on the phone and asked follow-up questions to simply get further clarification. Furthermore, I am also in shock because I have had a credit card with Citibank for decades, so I should be a known customer. I did not access the Citibank website and initiate a new relationship for the very first time in XXXX. I did not walk into a branch in a city where I do not live and ask to establish a relationship with the bank. I simply responded to Citibank-initiated solicitations to deepen an existing relationship and then was promptly penalized and called a fraudster for doing so. I do expect an immediate response to this email with explanation and resolution for all that has transpired. I am willing to leave the accounts open and active, and be provided with the bonuses/incentives after the promotional waiting periods, but if the accounts are to be closed I expect a FULL refund of my money within 24 hours. I do NOT give permission for Citibank to continue to use my money without me having any access to it, which has apparently been the case since Tuesday, XX/XX/XXXX. I do expect ( and prefer verbal ) communication and complete resolution within seven ( 7 ) business days, the exact length of time that the Regulation CC Hold for a Safeguard Exception was placed the {$50000.00} check that was physically deposited into my Citibank account. *X Attachments of screenshots to support events p.s. I attached 11 images in my email to Citibank that showed proof of confirmation of requested transfers from my Citibank online banking account and proof of monies being withdrawn from my accounts, which are not included in this complaint. Please let me know if they are needed by the CFPB. Thanks so much!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30005
Submitted Via: Web
Date Sent: 2022-09-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-16
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I would like to file a complaint against the Citi Bank regarding my Citi Premier Credit Card. - In XX/XX/2022, I used my credit card to buy an international flight ticket online. My transaction was declined. I missed the chance to buy that ticket and had to use another bank 's credit card to buy a more expensive ticket. - In XX/XX/2022, I called Citi Bank 's customer service to request unlocking my credit card. * They asked me to provide my phone number to verify, I did. They could not verify it ( although it was the phone number I was calling them ) * They asked me to provide another phone number to verify, I did provide my husband 's number. They could not verify although my husband phone was still on. * They asked me to provide another phone number such as one of my relatives or friends. I could not because no reason to bother. * I asked them if they could use my registered email ID to verify. They said they could not use email. * They said that they would mail me a code to call them again to unlock my card. - In XX/XX/2022, I paid off my balance of {$1400.00}. The transaction was processed. - In XX/XX/2022, I called them again to let them know that I had not received any mails for the Code and requested them to unlock my card. *They asked me if I had a mailbox. Of course I did *They asked me if I checked my mailbox time by time. Of course I checked it everyday. *They told me that they would mail another letter and asked me to wait for another 5-7 business days. *I asked them to expedite the mail ; They said that regular mail was the only option. I understand that they may use models to detect potential frauds and the models may have false positives. However, it was unbelievable that it took so long and complicated for them to solve just such a simple issue to serve customers. They offered customers bonus points if spending at least {$4000.00} in the first 3 months, but locked the card for 2-3 weeks for their models ' false positive.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35242
Submitted Via: Web
Date Sent: 2022-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-16
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I recently applied to a Citi XXXX credit card. I was denied for no reason and no explanation, which makes absolutely no sense. I have a 780 credit score, have not applied to any credit cards recently. I'm below the thresholds for inquiries, so there is no reason to deny. I am planning on traveling and I believed Citi XXXX is the right choice for myself. I have credit cards little to no balances, great income and excellent credit and to be treated unfairly and unjust with no negative reporting on my report and a high credit score is outrageous and seems discriminatory. I tried calling reconsideration line asking for explanations and a reconsideration even by moving balances around if that is what was required, and they were absolutely no help and said to reapply again. This is very unethical on their side. Why would I reapply when that will count as another hard inquiry, and they can reconsider. I would be happy with the credit card for its travel perks and want to be reconsidered. But this makes me lose faith in this bank for treating me unfairly. I feel I'm being discriminated by my age, which is unfair. I demand a response and a resolution. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33446
Submitted Via: Web
Date Sent: 2022-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-16
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company is trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, its not mine.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85326
Submitted Via: Web
Date Sent: 2022-10-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-16
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Citibank just, without my approval of any kind, " upgraded '' my account to XXXX. I assume this was done as a sales tactic as their support can not move my account back to my standard Citibank account. XXXX forces minimum deposits on customer in exchange for nothing. I didn't ask for it and do not want it. I have tried to resolve this, several times, with support and they can not do anything.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55116
Submitted Via: Web
Date Sent: 2022-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A