Date Received: 2024-01-04
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: fraudulent charges were made on my bank account. The bank did not provide the information I requested. I have been calling bank customer service but they are requesting me to complain in writing which i already did multiple times but when i call citibank employees unable to find my complaint or written complaint in the system. I have been maintaining this account with the city bank since XXXX Over a few months some company called XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX has been charging different amounts against my citibank account. My account has been negativesince last XXXX due to the fraudulent charges. I need CITI Bankto provide all information about the charges such as who or what device was used to make these charges from what location. I am demanding a complete reviewof all the chargersfrom the beginningof XXXX till now and refund my money for the all fraudulentchargers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33009
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: As of XX/XX/2024 - An account is XXXX years ofd on my credit report. It is shy XXXX months of last payment date. I requested that this item be removed, not only was it removed. It was updated stating historical data is correct and brought an old account current that should be deleted.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX, or XXXX ) credit report, and I noticed some late payments posted on my credit report : XXXX XXXX consumer credit card by XXXX Bank XXXX XXXX XXXX Bank consumer credit card Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : XXXX. Defamation of Character ( per XXXX ) XXXX. Negligent Enablement of Identity Fraud XXXX. Fair Debt Collections Practices Act 15 USC 1692g violations. XXXX. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75025
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I have had an account for over 25 years with Citibank. From XXXX XXXX XXXX I made a lot of cash transactions from the account ( withdrawing cash from ATM, teller, cash advances, etc ). I verified my identity every time I was asked about it. On XX/XX/2023 I couldn't access the account. I called and wasn't able to contact them since the account or ssn didn't exist ( any longer ). Walked to a Citibank branch, and was provided a different number to call. I realized the branch was completely helpless and couldn't even access my account information. Called the Bank Fraud and Security and they stated " the account has been refereed for closing, the review last 30-60 days, and there is not more information ''. They hang up on me XXXX. I requested : 1- Unblock the account, let me withdraw my funds from a branch where you can verify my identity XXXX more time, I can close the account myself since you have made a decision not to service it. 2- I told them I had my payroll direct deposited that day- which would serve for paying rent, Holiday expenses, food, etc. I needed the funds for day to day operations. 3- To accelerate the closing of the account. You can't block my funds for 30-60 days as stated by the Security personnel . It has been almost a week, and they haven't released my funds. They have blocked my payroll direct deposit. Basically, they are keeping my money with no authorization. If they have decided not to service my account any longer, I am fine with the decision, but I want my funds delivered to me on a fashionably manner. With the level of technology that exists today, the 30-60 days they give you- which is not acceptable. After all this is not a credit card or a loan. This is my money!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07087
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
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: XXXX XXXX purchased gas with XXXX credit card in the amount of {$60.00}. We ended up being double charged, same amount, same day. Logged on site XXXX XXXX each time unsuccessful in any physical contact-all auto answers. Called phone number on card XXXX XXXX, followed prompts and each time hit a dead end and unable to reach live person. Pulled up on line and found different number, after XXXX minutes actually talked with a live person and was told needed to go to the gas XXXXthey would have to correct. I tried to argue that made no sense but got no where. Returned to statin and of course there was nothing they could do, t they were very nice and called the credit card number they had. We went thru at least three people and were finally told to fax the disputed charge to them in spite of the fact that they were the ones who sent the statement! With the help of the station manager we faxed to disputed charge to them on XXXX. We received confirmation of receipt on XX/XX/20. nothing since
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 270XX
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Problem with a company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: To : Citibank From : XXXX XXXX XXXX Re : Unauthorized Transaction Dispute - Urgent Attention Required Account Number : XXXX Transaction Date : XX/XX/2022 Transaction Amount : XXXX USD Dear Citibank Customer Service XXXX I am writing to formally dispute an unauthorized transaction that occurred on my Citibank account on XX/XX/2022. I am deeply concerned about the security and integrity of my account and the apparent failure of Citibank to uphold its duty of care in this matter. On the mentioned date, I received a call from an individual who claimed to be a Citibank employee, inquiring about a XXXX USD withdrawal from my account. I promptly denied making such a transaction, only to discover that the amount had been debited from my account without my authorization. Disturbed by this discovery, I visited my local branch on XX/XX/2022 to file a claim for the unauthorized transaction. The original claim number is XXXX. Despite taking immediate action by filing the claim, I was disheartened to learn that Citibank was unable to recover the funds fully. The only resolution provided to me was a partial refund of XXXX USD that was credited to my account on XX/XX/2022, which is significantly inadequate compared to the total unauthorized withdrawal. I allege that Citibank has breached its duty of care, commonly known as the XXXX duty, as established in the case of XXXX XXXX XXXX v XXXX XXXX. The XXXX duty obliges financial institutions to exercise reasonable care and skill when executing client instructions, especially when there are reasonable grounds to suspect fraudulent intent. As per The Bank Secrecy Act, financial institutions are required to assist U.S. government agencies to detect and prevent money laundering. Specifically, the act requires financial institutions to keep records of cash purchases of negotiable instruments, file reports of cash transactions exceeding XXXX USD ( daily aggregate amount ), and report suspicious activity that might signify money laundering, tax evasion, or other criminal activities. I did not receive any warning from anyone from Citibank. In this case, it is evident that a fraudulent transaction took place, and an ordinary prudent staff member of Citibank should have had a reasonable basis for suspicion. I urge Citibank to thoroughly investigate this matter and take immediate action to recall the unauthorized transaction made on my behalf by the fraudster who deceived me. As a dedicated and loyal customer, I have had the privilege of being associated with CitiBank for close to 40 years, maintaining a commendable standing throughout this extensive period. The recent fraudulent incident has profoundly impacted not only my financial security but also my mental well-being. The trust and confidence that I have placed in the institution over the years have been significantly shaken by this unfortunate occurrence. I have always valued the relationship I have had with CitiBank, and the distress caused by this scam has been deeply distressing. It is my hope that the necessary measures will be taken to address this situation and restore the trust that has been compromised. If, for any reason, the funds can not be fully recalled, I request Citibank to provide me with a reimbursement or compensation for the entire amount of XXXX USD. I believe that, as a loyal customer, I deserve the full support and protection of Citibank in rectifying this situation promptly. I appreciate your immediate attention to this matter and expect a thorough investigation to be conducted to resolve this dispute as quickly as possible. Please provide me with regular updates on the progress of the investigation. Thank you for your prompt assistance in addressing this urgent matter. Respectfully, XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10467
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I opened a one year {$250000.00} CD in Citibank by transferring funds from an external account into account # XXXX on XX/XX/XXXX. The CD maturity date was XX/XX/XXXX. I chatted with Citibank agent XXXX on XX/XX/XXXX ( XXXX ), and was told that Citibank can not transfer the money to my external account at maturity due to its bank policy, instead, Citibank would send me a check to my address. But more than one month after this CD maturity date, I still havent received the money from Citibank 40 days after the CD maturity. I called Citibank at least 7 times regarding this issue and sent two emails to XXXX ( Citibank 's Executive Response Unit. ). All agents and supervisors told me different stories, but have never solved this problem. Since I needed to use this money right after the CD maturity, this delay has caused me tremendous stress, anxiety and financial plan changes The case number in Citibank is XXXX. The CD account number is XXXX. My chat with Citibank agent on XX/XX/XXXX is XXXX. I firmly ask Citibank to investigate and resolve this issue immediately and to compensate me for the time and interest I have lost due to Citibank 's negligence and delay.
Company Response:
State: WA
Zip: 98006
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: From XXXX from now XXXX every mount XXXX $ from my checking account citibank XXXX transfered to my closed credit card citi advantage XXXX Every 3 mount the card which closed on XXXX sender me by check XXXX $
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10306
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have no knowledge of some of the inquiries on my account. These hard inquiries are a result of identity theft and they must be removed within no later than four business days as per 15 USC 1681 c-2.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93722
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Managing an account
Subissue: Deposits or withdrawals
Consumer Complaint: I requested early termination of a CD with Citibank so that I could use funds to cover a down payment on a home. Citi told me that to wire funds to the down payment bank, I would need to close the Citi CD, pay the ( over {$500.00} ) penalty, and roll the funds into a new citi savings account before I could wire from the new Citi savings acct to my down payment bank. They told me it would be no problem to wire the funds from the new savings account to the down payment bank. So, I paid the penalty and the funds rolled in to citi savings. Over the next week I have experienced multiple roadblocks to wiring my money out of the account. XXXX they said I needed a debit card associated with the account and I had to wait for them to mail a card. Next, I couldnt wire the funds because I didnt have a PIN and had to spend hours on the phone with them setting up a pin. Next I couldnt wire the funds because they had placed a security hold on the account and the security department is gone for the day, call back tomorrow. I have yet to get access to my funds and have had to take other costly steps to fund my down payment. If I had known that citi would be so incompetent and/or purposefully slow in giving me access to my own money I would not have redeemed the CD and paid the huge penalty. This seems like a bait and switch, where citi collects their penalty and then holds on to my money as long as possible. Please help me access my own money and get a refund of the CD cancellation penalty.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75204
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A