Date Received: 2022-09-16
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Citibank was running promotion for checking account and I decided to open it. XXXX. I opened a checking account online from Citibank portal on night of XXXX XXXX. I arranged an initial transfer of {$25000.00} from my XXXX XXXX XXXXXXXX checking account. XXXX. Next day on XXXX, Citibank sent letter which XXXX received on XXXX saying they are ending banking relationship with me. Upon calling call center, they told me account is locked because they suspect fraud as account was accessed from multiple geographic locations.Letter mentioned Citibank will close account and return any balance in account by cheque to my address on record. XXXX. On XXXX, my initial transfer of {$25000.00} to XXXX was completed and amount credited to Citibank. XXXX. As I asked for refund of the money, Citibank call center told me to raise a claim with issuing bank i.e. XXXX XXXX XXXXXXXX to get money back. XXXX. I raised claim with XXXX XXXX XXXXXXXX for same on XXXX XXXX. XXXX XXXX XXXXXXXX rejected my claim on XXXX saying it was a legitimate transfer approved by me. XXXX. On XXXX I visited Citibank XXXX XXXX XXXX XXXX XXXX XXXX XXXX The banker told me, account is closed on XXXX and I will receive cheque of my balance in XXXX to XXXX days. XXXX. I waited for XXXX days till XXXX, still not cheque received. XXXX. I again called Citibank fraud call number, they are again telling me to raise claim with XXXX XXXXXXXX XXXX to get back my funds. This is very distressing as my {$25000.00} are locked for more than XXXX days now and there are no signs of any support from Citibank on this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60061
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: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I've been having very frequent card decline errors using my debit card when there's more than sufficient funds. Often I get a text fraud alert and I enter the required information ( press XXXX ) to release the fraud block. This doesn't normally resolve the problem and I don't get to release the card without a lengthy call with Citibank. This is happening way too often and makes it nearly impossible to use my card in a store knowing there's little confidence a transaction gets processed. I've called and pleaded with Citibank several times to help resolve and despite telling me they're escalating the problem was never resolved. This includes telling me there's an issue with my card and issue me a new one. This never resolved the issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08701
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 wanted to start a savings account for a trip later this year, so I decided to open up with Citi bank in XXXX. at first, I put a little money which was {$10.00} after a week I saw the money in the account, so was like ok let 's put the rest of my money into the account which was {$4200.00} or XXXX I waited for another to transfer my money from my checking 's account to my new savings account. I saw the account, now I was like let 's save money every check. this is where the problem started. I'm honestly not sure about the dates and can not look at this because my account is blocked. I put {$300.00} in two times after that it goes through, after a week. I put {$300.00} from my checking into my savings. That didn't happen because it took a whole week for the transaction to be completed so I had insufficient funds when it was being processed, because I spent some of it both times. Next week I try to put the same amount of money into the account same thing happens. here comes XX/XX/XXXX my account is blocked I can't see my transactions, bank statements, cant take or put money in. I call my bank and give them my info, but they put me on hold and said ''we can't give any info on the reason why and you will have the remaining money in the account in 30-60 days in a form of a check. I call again a rep tells me to call their fraud line because they can't do anything further and it was up to them. I call the line she told me the same thing but hangs up on me. so I wait the 60 days now it's XX/XX/2022, and now and here we are, still locked out of my account and they have not sent the rest of my money that was in the account. I don't want anything else besides my money preferably before XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 17603
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: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I was contacted by Citibank about 2 months ago regarding my checking account. The letter stated that the IRS was instructing the bank to start back up witholding due to the number of withdrawals I was taking out. To date I have received nothing from the IRS in regards to this. The bank sent another letter last week requesting a W-9 form. Due to the fact that I have not received any documentation from the IRS, I will not submit any type of documentation to Citibank and request that they no longer contact me in regards to this unsubstantiated issue. Upon reading the documents sent by Citibank I noticed that they have two ( 2 ) different ending account numbers. The account ending in XXXX is not an account that is used and not completely sure at this time that it is actually an account that I have opened. Also in the documentation dated XX/XX/2022 Citibank stated that the Internal Revenue has given them notice of this account. How can that be when I have received no notice from the IRS as stated previously, however the document states at the bottom that I should contact the IRS if I have not been notified. The same way that the IRS allegedly contacted Citibank I should have been contacted as well.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78664
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: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: XXXX XXXX XXXX has been repeatedly sending letters to my home for at least a year now, and has been calling me as well. The calls have come in before XXXX XXXX and continue throughout the day. This happens several times a week, at times going over the 7 calls per 7 day limit as per FDCPA policy. I am a XXXX who suffers from XXXX, and these calls cause me constant XXXX to the point I turn my phone off or mute it, which disrupts my day. Consumer Finance states the following on their website : The Fair Debt Collection Practices Act ( FDCPA ) says debt collectors can't harass, oppress, or abuse you or anyone else they contact. Harassment by a debt collector can come in different forms. Examples include repetitious phone calls that are intended to annoy, abuse, or harass you or any person answering the phone ; obscene or profane language ; threats of violence or harm ; publishing lists of people who refuse to pay their debts ( this does not include reporting information to a credit reporting company ) ; and calling you without telling you who they are. XXXX XXXX XXXX has been repetitiously contacting me via mail and phone with the intent to annoy and harass me. I have received numerous letters ( attached ) - multiple per month. For this reason I will not call them or engage, as I do not feel safe or comfortable doing so giving their actions towards me. This is affecting my credit
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93955
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: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: I applied for a Macys credit card. The cashier Open a credit card for me and print out double receipt give XXXX to her friend and want to me. then I started receiving message that somebody is using my credit card. I filed a credit card complain but not took care of the right way.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95776
Submitted Via: Web
Date Sent: 2022-09-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-16
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: This is regarding the issue with XXXX Dispute Amount of {$1200.00}. Based on a phone conversion with XXXX XXXX XXXX XXXX on XX/XX/XXXX I have decided to take the XXXX online program based on the condition that, the schedule will be convenient with my working schedule. She told me, I can only see the schedule of class once I take the course by providing the payment information. So I gave my Citi-Costco card as payment method. After some time, their XXXX site enabled me to view the Online -Live class schedule. It was not align with my work schedule. The next day ( XXXX XXXX XXXX ) I emailed the sales rep about my request to cancel the course. Because I didnt see any response, I called her and told me she will work with backend team to cancel my registration. Then next day I emailed the rep reminding again about the cancellation. Then on XX/XX/XXXX, after 2 weeks, I got a Citi Credit card alert about a {$170.00} charge from XXXX. Then I contacted XXXX and they told, 7 days cancellation period is over, but I can raise a ticket with XXXX, with the email proof and I did as he instructed. But nothing happened for 2 days. I filled a dispute on XX/XX/XXXX. Then I noticed another charge on XX/XX/XXXX of {$170.00}, which I disputed again. I called Citi Credit card and asked them to block my card from anymore transaction from XXXX and they advised me to cancel the credit card from future transactions. I cancelled the card and received new card. But after that on XX/XX/XXXX again my credit card got charged for {$1200.00}. This is this questioned dispute, which I contacted Citi again. They told me to dispute the amount. I sent all the relevant documents to Citi cards for my dispute. Now Citi came back and said they can't process the dispute, because merchant is not paying back. I did everything what Citi asked me to do from my side before the merchant making anycharge. But Citi ignored and allowed to make the charge on my card. Now saying they can't help me on reverting the charge
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98053
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: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) ( A ), and I will pursue legal action against them. 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. This was already included in my prior complain, and I'm including it again. CITI XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07621
Submitted Via: Web
Date Sent: 2022-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-16
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: In XXXX I was sued by XXXXXXXX XXXX. I was never properly served, so in XXXX of XXXX when the attempted to levy my bank accounts I filed motion to stop levy and motion to reverse judgement. I won. Immediately I requested for validation of debt and they had until XXXX they failed. Now they are still refusing to remove debt. In Nebraska the statute of limitations is 4 years for credit card debt and yet they are still refusing to cease collections and remove from credit report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NE
Zip: 693XX
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: 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: Someone stole my card to Homedepot I didn't notice the card was missing until I recieved my Monthly Statement. I immediately called to inform them. They reversed the charges and sent me a new card. After a few weeks I get a Statement that shows they reversed the reversal. I called and they told me they denied the claim. I filled a police report and credit card company was suppose to send me more information. I have not recieved any correspondence and they are saying I owe the money. They claim they completed the investigation. Obviously they didn't compare signatures/security footage or do any sort of investigation or they would of clearly seen I wasn't the person who made these charges.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 973XX
Submitted Via: Web
Date Sent: 2022-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A