Date Received: 2023-12-30
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Hello, I have a CD Account with Citi Bank. My account number is XXXX. My CD account is matured on XXXX XX/XX/2023. I called XXXX weeks before to maturity date and told CITI person on call that I would opt to withdraw my balance once this CD gets matured. When I checked today then I dont see my request in CITI system and still it says I have 7 days of grace period to make selection and it says I can make selection Online too. I tried to make my selection on their online portal but it only allows to renew it no option select withdraw. So I thought of calling their customer care again and then my horrible experience starts. Call went to a lady In their Call center which is in XXXX and I was barely able to hear her and after XXXX min she finally transferred to another guy whose name was XXXX, thats what he told me. This guy was extremely rude and arrogant with me. He never tried to help and instead he tried to just argue. I asked can you transfer call to someone else or your superior but he didn't and just went silent and when i asked again he just hanged up. This is extremely poor and rude behavior which i never expected from CITI. You will loose business CITI. I actually thought of opening a Saving account and transfer this fund to saving account but now I'll never go with CITI. You need to look into this complain and make some disciplinary action against this guy. I called on XXXX XXXX XXXX XXXX XXXX time, my cell phone number is XXXX. Please check your records and look into this. On top of that I dont know how to get my money back from CIti XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75094
Submitted Via: Web
Date Sent: 2023-12-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-30
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I was transferred from XXXX account to Citi bank {$450.00} on XX/XX/XXXX, but the name used on XXXX is nickname, the bank said the money is not belonging to me, but XXXX verified my transaction to this bank. I tried many times to fraud department, they wont give me the money, unless I can provide my nickname is show on my ID
Company Response:
State: MD
Zip: 20740
Submitted Via: Web
Date Sent: 2023-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-30
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: In XX/XX/2023 I noticed some fraudulent purchases made on my credit card. I called and spoke with Citibank rep in regards to the issue. My card was canceled I was told a new car would be issued and the fraudulent charges would be looked into. My new card arrived when I opened my mobile app to activate the card there were more fraudulent charges on my card before I even activated it!! charges had been made to my new card. Once again I called Citibank spoke with the rep they canceled that card set a new one was on the way and they would investigate the new charges which were all foreign charges. I received a new card went to activate it more foreign charges we're on my card again! I requested notification every time my card had been used when I received my next card there were more foreign charges some of the disputes were denied that were made in XXXX XXXX XXXX I have not been refunded as of today for most of the charges... I have canceled six cards I'm still waiting on my next card which was canceled once again I am just at my wits end I get nowhere when I speak with the Reps also hung up on or disconnected with the fraud department please help as my interest rates keep going up ... my credit report looks not that great due to the credit card usage and also being charged more interest and having issues even making payments on the card because they keep canceling my cards many times
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97008
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-30
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: This is a response to Complaint XXXX with CFPB. Whoever has responded to this complaint has stated in their letter that they've provided me with a copy of this application. This is FALSE & FRAUD. I've never seen this document & has never been provided any documents that has my signature. This is NOT MY SIGNATURE NOR IS IT MY NAME on my Government Issued Identification. This was done by the employee who works at the Best Buy store located in XXXX, IL. I was prompted to put my SSN into the Keypad on the desk in front of me. The employee had my State ID government issued card ( VALID ) in his hand & possession on XX/XX/XXXX. Whoever has responded to this Claim with CFPB has stated the account is no longer reporting on my Credit file. This is a BLATANT LIE! The letter to the ATTORNEY GENERAL on XX/XX/XXXX is about my XXXX Credit file & report ONLY which doesn't include XXXX and XXXX. On XX/XX/XXXX in my XXXX Credit File & Report it shows the account name as BEST BUY/CBNA being UPDATED and the account being CLOSED ON XX/XX/XXXX. WHY is the Account being shown as UPDATED 3 MONTHS AFTER THE ACCOUNT WAS CLOSED but NOT being shown as Closed on the date I closed it??? This is also FRAUD because the account I closed was on XX/XX/XXXX. I never closed the account on XX/XX/XXXXXXXX as it is shown in XXXX on XX/XX/XXXX. I paid the account Balance in FULL on XX/XX/XXXX but didn't close the account until XX/XX/XXXX. The only Company that shows on this FALSE Application provided by the scammer is BEST BUY. There is NO CBNA attached or the name CITIBANK as it is shown in my Credit Files & Credit Reports. There is also a Soft Inquiry XX/XX/XXXXXXXX ( day after XX/XX/XXXX Inquiry ) shown on my Credit File. I find this suspicious as the Soft Inquiry read " BEST BUY/CBNA '' which shows the CBNA was added after XX/XX/XXXX Inquiry which is the ONLY Inquiry I acknowledge. There is a " Business Account '' telephone number added as my primary number. WHY has my contact number showing in the BUSINESS ACCOUNT Section? I never applied for a Business Account with Best Buy or any affiliated company with Citibank ever. The application is EXTREMELY BLANK & EMPTY to be considered a legitimate application for an Open Line Of Credit with Citibank. The account has been reported by the internal thieves as a BEST BUY/CBNA separately and a CBNA too . The Soft Inquiry made by XXXXBEST BUY on XX/XX/XXXX in XXXX is connected to Best Buy who has denied this to CFPB in my claim. The name on the application of the Claim provided to CFPB was added as an " AKA '' to XXXX and XXXX. This is NOT MY NAME nor is it my is this my SIGNATURE on this application. CBNA is NOT the ACRONYM that should show with Best Buy when making a Hard Inquiry from South Dakota. Someone by the name of XXXX XXXX from XXXX has his signature on the XX/XX/XXXX response. I have a CBNA account reported to XXXX as XXXX XXXX XXXX XXXX XXXX XXXX, IL but has since been removed only to report address XXXX XXXX XXXX XXXXXXXX XXXX, SD which is a Fraudulent address. I have documents showing CBNA/BBY was a HARD PULL on XX/XX/XXXXXXXX in my Credit File which is a FRADULENT DATE & FRAUDULENT INQUIRY along with a XX/XX/XXXXXXXX Hard Inquiry. Also the names related to anything of Citibank is COMPLETELY FRAUDULENT. The name CBNA is actually an Acronym which stands for " CREDIT BUREAU NORTH AMERICA '' Not " Citibank North America ''. The persons who've reported various Account, Account numbers, Account names, Account locations, Account Inquiries, Account Dated of openings and Closings as more than one has violated Federal Laws. They are aware of this and has gone through extremes to cover their lies. My personal information has been used against me by whoever is constantly reporting to the credit bureaus and is COMPROMISED now to fall into the hands of Future Thieves that is Privy to my personal info. My credit file has accounts that's been opened and closed within 30 days by the INTERNAL Employees who are thieves. This is not only a BEST BUY Store Card account made to look like a Citibank Open Line Credit Card Account but also made to look like a XXXX LEASING ACCOUNT with BEST BUY in XXXX XXXX under the FALSE Soft Inquiry done on XX/XX/XXXXXXXX named " XXXXBEST BUY '' which they've LIED to say this isn't their Soft Inquiry. Best Buy is the only company I've applied for Store Card ( not a XXXXXXXX XXXX XXXX which is an open line of credit ) in over 11 years or more. My credit file has fraudulent accounts & I CAN pin point the thieves. It is the Best Buy employee & the Executive Branch Supervisor. I do know whoever the employee called on the store phone is the scammer working with each Best Buy employees.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 600XX
Submitted Via: Web
Date Sent: 2023-12-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-30
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: Purchase Date : XX/XX/XXXX, Amount {$700.00} Expiration Date XX/XX/XXXXXXXX No payments from ENTIRE PROMOTIONAL PERIOD WERE POSTED TO PROMOTIONAL PURCHASE and when I requested the payments from XX/XX/XXXX and XX/XX/XXXX be posted to the promotional purchase, they refused stating it was against the law and their policy and the full payments could only post to the promotional period 30 ( thirty ) days from the expiration date. This I setting up the consumer to pay the interest as none of the payments for an entire year are allocated to the promotional purchase, so the consumer has 30 days to come up with the full purchase amount!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92821
Submitted Via: Web
Date Sent: 2023-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-30
Issue: Fraud or scam
Subissue:
Consumer Complaint: I want to file a complaint on Citibank. I was a victim of a complicated fraud which happened on XX/XX/. I received a call from a number listed as a local police precinct. He asked me if I was the owner of XXXX address and I said yes. He then transferred me to the FBI headquarter office and an agent addressed himself as FBI agent XXXX XXXX. He told me my identity has been stolen by some really bad people and my life and my daughters life are in danger if I didnt cooperate with him. I questioned his authenticity and he somehow always managed to use some tactic proof verification. In short, he said the only way was to cooperate with him so ensure our safety and if I didnt, there will be bad consequences. He made me really afraid not only for myself but for my daughter who just got new job living in another state. He had me on the phone for long time telling me these scary scenarios that I only saw on TV or movie bad crime. I am a law abiding citizen who never did anything wrong so I honestly didnt know what to do except to cooperate and I was really fearful. He told me the government needs to verify my money versus the bad guy ( XXXX XXXX and XXXX XXXX ) I need to get a cashier check from my bank, XXXX XXXX and deposit into a US government account in Citibank and the account has an Alias name of XXXX XXXX XXXX. I was very desperate and I didnt want to and pleaded with him but he again said my daughters life and rest of my family will be in trouble if I didnt cooperate and did exactly what was instructed on texts that came to my phone as Social Security Administration . I was instructed to go into a car and it took me to a XXXX branch and I took out a cashier check of {$50000.00} and another car took me to Citibank and deposited it. They told me I was under the watchful eyes of the bad people so I need to be protected by him. Finally around XXXX XXXX. He warned me not to say a word to anyone or else that person will be subject to danger. I probably looked sick when my boyfriend came home from work and saw me and finally I broke down and told him and he looked at me and said its a big scam!! We went to the police and I notified the fraud dept in Citibank immediately. I think they flagged that XXXX XXXX XXXX account and money wasnt disbursed. However, the police did an investigation and verified the {$50000.00} is in the bad guys account and money wasnt disbursed and XXXX sent a letter/claim on my behalf but they all said its up to Citibank to decide what to do with the fund. I feel really helpless because its very clear and I have all the evidence and police said I am a victim but yet I dont have definitive right to my money. The malicious people used the Police, FBI, IRS, SS administration names to spin a fearsome and financially devastating scheme to hurt me financially, psychologically and physically. ( they put me into their car to get money and another car to deposit money ). These people needs to be arrested so they can not hurt anyone else and Citibank needs to return my {$50000.00} as soon as possible. Those are my lifelong savings! I need your help to please ask/tell Citibank to return my {$50000.00}. Please help! XXXX XXXX XXXX Citibank account number XXXX {$50000.00} on XX/XX/XXXX Please ask Citibank to return my money back to my XXXX account # XXXX 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: 11357
Submitted Via: Web
Date Sent: 2023-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-30
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: The first fraud incident on my account was on XX/XX/XXXX and I reported it to Citibank immediately. They started the dispute on XX/XX/XXXX and I am not clear about the reason why. After I complained to CFPB, Citibank contacted me and sent me the forms to fill out for the dispute. Before that, I had contacted them multiple times and their response was that it was still in process. Now, they don't even want to take responsibility for the fraudulent activity on my account, and all they could say is that the beneficiary bank already sent the money to the crooks. I do not understand how they came to such a conclusion. I did not authorize anybody to take money from my account and it seems like they don't even want to help me out in this situation. Without authorizing this transaction, how can I be responsible for this fraudulent activity? When I talked to the costumer service at the bank, one of their responses was that this was a small amount and that they have had many clients lose thousands of dollars everyday due to such fraudulent activity. If their clients are losing money like this, shouldn't they be doing something to protect their clients? I am a XXXX XXXX, who is struggling everyday to make payments for my XXXX and this was the money I had saved up in order to make the payment. To them, it seems like a very small amount, but to me, it is all my hard work. I can not lose this amount. The institution ( Citibank ) should be responsible for this action. My family has been faithful customers of this bank for more than 25 years. Even though I set up an alert to my phone for any transaction, Citibank did not send me an alert for this fraud, which happened multiple times on the same day and my account was wiped off. In total I lost {$3400.00} including the domestic transfer fee! Being such a large institution, they don't seem like they want to do anything to help me. Now I am forced to borrow money from my parents everyday to make up for this loss and to pay for my expenses. I have a learning XXXX, which why I am unable to work full-time and manage my studies simultaneously, so this money was very important to me, as I need to make the rent payments for the next three months. I hope somebody can help me with this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91006
Submitted Via: Web
Date Sent: 2023-12-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-31
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I am a consumer and natural person federally protected as defined by 12 CFR 1002.2 and serving XXXX XXXX XXXX XXXX and XXXX XXXX, debt collectors, with an official notice of dispute as defined by the FDCPA. Please be advised pursuant to 12 FR 1026.13, this constitutes as a notice of dispute for the amount of {$30000.00}. Please be advised I have not given XXXX XXXX XXXX XXXX any authorization to contact me, which is a violation of my Federally protected rights and a violation of 15 USC 1692. XXXX XXXX XXXX XXXX has stated We are trying to collect a debt that you owe which is also in violation of my Federally protected rights under 15 USC 1692. I also hereby include notice to cease and desist and to no trespass in the event that any party has no private right to the federal formal written titles 28 USC 3002 ( 1 ) ( A ) ( B ) ; 31 USC 3718 ; and 18 USC 8.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90026
Submitted Via: Web
Date Sent: 2023-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-31
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: Best buy credit card from Citi bank, I used to pay $ XXXX withdrawn automatically. Their customer service failed to update my payment method after I provided to her, resulting in an accumulated large balance in my account of {$220.00} however for 2 months the amount due os {$60.00}. Also, when I purchased the product from Bestbuy, I was informed that this card had no interest, that was the offer during XXXX for XXXX, so how come they charged me extra charges? taking into consideration that I provided the card number to the customer service to attach it to my account and do auto payment as I used to make since I bought the laptop. I tried to talk to customer service of bestbuy citi bank with no result to resolve the problem. It is my right to remove the extra charges and interest incured as it is not my fault, and the deal was no interest for XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 220XX
Submitted Via: Web
Date Sent: 2023-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-31
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: I reported multiple persistent fraudulentactivitieson XX/XX/XXXX, XXXX, XXXX, XXXX of XXXX, even after continuously cancelling credit cards. I suspected someone somehow got a hold of my credit card information online since I did not lose my card. I begged for Citi employees to delete all my digital wallet connections, and once one employee finally listened to my pleas, the fraudulent charges stopped. Unfortunately, the dispute process has not gone the way it should. While Citi credited most of the fraudulent charges, Citi is saying that the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is my responsibility, even though other multiple fraudulent XXXX charges have been reimbursed. This doesn't make any logical sense ; if you look at it carefully, I was charged XXXX XXXX+ foreign transaction fees. It's clearly a fraudulentcharge, as I have never been to the XXXX. And yet, Citi somehow states that I am responsible, when other XXXX charges aren't. Additionally, they are struggling to credit the fraudulent XXXX charge on XX/XX/XXXX ( disputed on XX/XX/XXXX ) as well for {$51.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75010
Submitted Via: Web
Date Sent: 2023-12-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A