Date Received: 2023-12-28
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: My account was flagged for Fraud however, no one from Citi ever reached out to me to let me know that my account is now frozen. Approx Week of XX/XX/23- Opened the account online. Week of XX/XX/23 - Account was flagged on my phone & online that it had an issue and to call XXXX. I called several times over the week to find out what was going on and could not get an answer. XX/XX/23 - Called customer service and finally get some information. They told me that a letter was sent on XX/XX/23 that I would need to open and action once received. XX/XX/23 - Received letter from Citi, called XXXX XXXX and gave them the noted reference number from the letter. Customer Service said my account is being closed and will receive the balance on my account in XXXX days via mail. Then I was hung up on and given no additional information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98092
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-28
Issue: Problem with a company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: Costco Citbank closed my account with no notice and has made it impossible for me to make a payment or access my credit card statements. They have submitted information to the credit bureaus that have tremendously lowered my credit score and has drastically effected my life. I have been trying to get this resolved with Costco Citibank since XXXX. The one and only letter I received in XXXX to why my account would be closed has incorrect information on it. Whomever the " Citi Team '' is has not contacted me, although I have requested to be contacted several times via citibank supervisors. The general supervisors would like to assist me but are unable to assist because the account is restricted from them being able to do anything. They can only send an email, there is no phone number for them to get in touch with the " Citi Team '' that should be fixing my account. The only thing that has been done by the " Citi Team '' is reporting that my account was closed with a balance owing of {$1000.00} and in XXXX that the account was 30-60 days past due. The account being closed and the balance not being paid has been out of my control and all due to the fault of Citibank. Please see my attached uploaded detailed notes of the actions I have taken to get this matter resolved. Today I submitted a dispute to XXXX and XXXX, also trying to get this matter resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89117
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-27
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2023 I made a purchase on line bestbuy for {$1300.00} on XX/XX/2023 I cancelled my order online on XX/XX/2023 I filled a dispute with my bank on XX/XX/2023 bestbuy refunded my account on XX/XX/2023 for {$1300.00} and on XX/XX/2023 Citi bank had a credit adjustment for {$1300.00} on XX/XX/2023 Citi bank withdraw {$1300.00} back to bestbuy cause they said I received two deposits of {$1300.00} XX/XX/2023 refund of {$1300.00} XX/XX/2023 adjustment of {$1300.00} Total deposit {$2600.00} on XX/XX/2023 Citi bank withdraw {$1300.00} back to best so I should have had a balance of {$1300.00} Citi bank now says my account is overdrawn $ XXXX because Citi bank says I received two deposits of {$1300.00} one deposit from my bank and the other deposit {$1300.00} from bestbuy Citi bank them withdraw {$1300.00} back to bestbuy wich should have left me with a balance of {$1300.00} how did it put me at a negative balance of $ XXXX on my account bestbuy with draw my account twice for {$1300.00} bestbuy charged my account twice for total {$2600.00} they took back my refund of {$1300.00} on the XX/XX/2023 and on XX/XX/2023 they withdraw {$1300.00} wheres my purchase refund of {$1300.00} how did I end up with a negative balance of $ XXXX on my account Im missing my purchase refund of {$1300.00} and the amount of $ XXXX thats overdrawn on my account my total balance available should be {$2100.00} should be my available balance I should have {$2100.00} available instead Im overdrawn $ XXXX thats not correct. Thats a complete error of transactions
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 936XX
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-27
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: A tenant committed identity theft against me after being terminated from employment. They had access to my mail, identification documents, and bank account info, and electronic devices from information I thought was safe in my own home. I didn't expect someone I knew and trusted would steal from me and take out debt in my name illegally and without my consent or knowledge for transactions that didn't benefit me. This individual burglarized my house and police reports were filed but informed that someone can't be charged for theft if its their residence ( they had a lease agreement ) so charges were dropped. The tenant XXXX XXXX and her boyfriend did not have my permission to utilize my information to open accounts or purchase items. They used my checking account information to validate payments, and when I changed accounts they used stolen accounts to validate payments resulting in termination. Best Buy has refused to properly remove these charges and reports fraudulent information against me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78247
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-27
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I opened a business account at Citibank on XX/XX/XXXXXXXX at the branch, filling out all the forms that were provided to me. XX/XX/XXXX I received an email message to contact the bank, which I did. I was directed to the Citibank XXXX division which told me that my paperwork was not complete. I was directed to complete a business ownership form which I did and faxed into Citibank ( I have a receipt that the fax went through ). XXXX month later I attempted to deposit some checks into my account by my mobile phone which was unsuccessful. I went to deposit them at ATM machines and that was also unsuccessful. After inquiring at the branch I was told that my account had been frozen from about XXXX and that XXXX checks had bounced and XXXX EFT payment refused to a credit card. At the branch, they inquired further and found that I needed to have the business ownership form completed which we did through the branch. It was the identical form that I had completed and faxed in. The account was unfrozen a few hours later. At no time did I receive any notification by text, email or snail mail that the account was frozen and it was only on XX/XX/XXXX in a letter dated XXXX that I received notification that the autopay for the credit card was canceled.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10029
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-27
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Hello, I applied for the Best Buy credit card issue by Citibank a couple weeks ago. My credit score is decent in the low 700s no negative items. Citibank declined my application and the only reason they give me was that I have collections on my credit report which is not true but they approved me for account call progressive leasing which is not what I want. Last week my wife applied for the Best Buy card her credit is very good in the XXXX no negative items either, she was declined with the same reason and approved for the same program progressive leasing. We both had in the past rough times but who hasn't, I'm talking about 10, 15 years ago maybe more. We have been approved for XXXX, XXXX, XXXX and XXXX. We don't have a lot of debt the only big item is our home. XXXX car loan with XXXX payments left. We open a business this year. We still have our jobs. I don't know if Best Buy or Citibank prefer approve consumers with a leasing program maybe because they make more money that way but I don't think is right. I am bring this to your attention to see if another consumer are having the same issue. thank you for your time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77377
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-27
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: I did a simple {$700.00} balance transfer from my Citi Bank XXXX XXXX account to my XXXX credit card account on XX/XX/23. XXXX provided me with the cashed check copy. Citi Bank kept saying they never received the check. I provided them with the copy of the check I got from XXXX showing they received and cashed the check on XX/XX/23. Citi bank told me they applied the money to the wrong account and would correct the issue and apply it to my account. Over a month later, Citi bank informed me they reversed the balance transfer and sent the money back to XXXX. A few weeks later, I contacted XXXX and they had not received the {$700.00} back. I called Citi bank on XX/XX/23 and spoke to a supervisor. He told me that Kentucky XXXX XXXX XXXX has the {$700.00} and he refused to provide me with any proof of who or what this company is and proof that the {$700.00} was sent back to XXXX. He said " The money is gone and we can't give you any info on the agency or any proof the check for {$700.00} was sent back to XXXX. It's not our problem anymore. '' So now, I have a {$1400.00} debt on a {$700.00} balance transfer that never went through to anyone and XXXX is saying that since the check they sent was cashed by Citi Bank and not returned to them, I'm responsible for the {$700.00} Balance transfer. And Citi bank says that since they no longer have the {$700.00} Balance transfer because they sent it back, I owe them the {$700.00} as well. I've been fighting this since XXXX and reached the end of the commutation in a stale mate
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 134XX
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-27
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: hi my name is XXXX XXXX on XX/XX/XXXX i was call to get a settlement check from my lawyer later on that day i ask my fiance to please deposit the check on his account because i was gon na save this money for XXXX XXXX gift on the XXXX, the very next day he check to see what was the status on the check ; only to findout the CitiBank closed his account he call and ask why the di that they responsed was he forgot to sign the back but i did, he ask so where the check they respond they holding it till they speak to the person who wrote the check I call my lawyer and we call not one time but a few times requesting to relesed the money even the branch XXXX call but all they do is give XXXX the run around we be calling every week, and we get different answer the last call on XX/XX/XXXX we was told to go to the branch in CT and bring our ID and thats the only way we get it we did that we drove to XXXX XXXX XXXX XXXX ct XXXX and spoke to XXXX XXXX XXXX who call the fraud dep and spoke to a person there and she ask if we had ID '' XXXX he tell her yeah and they drove XXXX hours away we was told to wait 7 days that they will write a check and MAIL IT TO ME its XXXX XXXX XXXX now this XXXX i call and every time is a new story i was told that they keeping the moneyand i could claim it in 5 years im comfused at this point i thing all this is a scam please help me not sure what else to do.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02026
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-27
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I opened a credit card through Best Buy to purchase a new TV. The rep in the XXXX, NH store noted that the credit card would provide for 10 % back on the first order. I asked " how I would received that XXXX %? '' and further ninquired whetehr it would be in the form of vis card or statement credit. The rep told me a statement credit woul dbe issued. I said well that sounds great as my current card would on ly offer XXXX % back and this is a large purchase. As a result I set up the card at the register and purchased the TV. This was on XX/XX/12. I rec 'd the TV via home delivery on the XXXX and it has been fine since. Today XXXX rec 'd some emails indicatting I have best buy rewards to use on future purchases. I chatted through the Best Buy app and rep informed me thats the 10 % from first purchase to use for future transations. I explained this is not what I was told or disclosed. Had I been told this is how the rewards program work I would not have set up the card. I escalation to a manager who did nothing and noted they were sorry but had zero capability to solve the issue. I explained this violates credit offering standard but they couldn't do anything. Following this I contacted the card financing department who also informed me that they have no way of offering statement credit so their hands are tied as well and my only solutions would be to file complaint through this consumer protection channel.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NH
Zip: 030XX
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-27
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I have been dealing with this for 5-6 months. According to the law the company has 30 days to validate the debt. The companies time to validate the debt has long expired and I am uncertain to why it has been allowed to go this far along. The company CAN NOT validate charges, dates, merchants, pricing, etc from XXXX to XXXX of 2023, as they CAN NOT view or access the account for that time frame. Because the company, nor myself can access/view this time frame, the debt CAN NOT be validated and the account should have a {$0.00} balance due to the company negligence. I am not taking anything else for an answer or response. It is the LAW.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 54904
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A