Date Received: 2023-12-27
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I opened a savings account with Citi Bank online on XXXX and deposited {$130.00} into it. The next morning of the XXXX they have blocked it. I call them to see what the problem is and they direct me to the fraud department. They tell me they closing the account and funds will be sent to my address. They told my account would be closed 5 business days from the XXXX. They haven't done anything. I call them today and they tell me they can't verify my account because of my phone number is not on file. This the same number I opened the account with. They say I have to wait for a letter in the mail and refuse to help me or tell me anything about when In receiving my funds.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 403XX
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 sent XXXX a message about my card being fraudulent charged for over {$5000.00}. I was told via phone that this wa being taken cared of. Now I am being sued, but my credit card agreement has an arbitration clause and I would like to invoke that clause for arbitration.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 273XX
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 lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: My business Debit card was taken, and it contained a fraudulent unauthorized charge for the amount of {$2900.00}. When I did my monthly statements, this charge was found and I immediately called Citibank to dispute the charge. We did an internal investigation as to how that charge came about, and found that a now former employee was responsible without authorization. Law enforcement was called, and charges were pressed against the employee. Citibank XXXX times denied my dispute even after providing the police report from the police department which states that they had the person responsible in custody. Citibank fraud department does not return phone calls, they do not communicate other than to deny via letter. I went to the local branch and spoke to the Branch Manager regarding the same issue, and he also stated that I should both open a new dispute as well as appeal with the same documentation. Each dispute was denied.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06902
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: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have seen a credit card account which doesnt belong to me and I dont have any access to this account. It seems like it is a fraudulent account someone created under my profile.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91406
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-28
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: Citi Benefits claim approved for stolen iphone, credit still not applied, check mailed to wrong address
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30097
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: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: There was a HARD INQUIRY reported to XXXX on XXXXXXXX by Macys. This was done fraudulently by Macys and without my understanding or approval as a result of false information provided to me by one of their employees. I was placing an order for merchandise from their website via the phone. The person I was speaking to told me that I would get an additional discount on my order if I applied for their credit card. I told her that my credit was rated as FAIR, and therefore I would probably not be approved. She assured me that a credit credit check / inquiry would NOT affect my credit score. I believed her, and therefore applied for a Macy 's credit card over the phone. I soon thereafter called the appropriate department to check on my approval and found that it only took them 15 minutes to immediately decline my application for credit. I later discovered that the credit check was indeed a HARD INQUIRY that now appears on my XXXX Credit Report. I would never have applied for credit if I had been told that it was going to be a Hard Inquiry. Therefore, please remove this HARD INQUIRY reported by Macys on XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 601XX
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-27
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I had some fraud on my account and money was taken I contacted my bank and they investigated it and gave me a permanent credit back on my account. I called my bank and told them I keep receiving calls from my bank Citi Bank asking me for my online username and password. I suspected that it was fraud so I called my bank and they said yes that's a fraud we would never call and ask for that information I was told by the callers that called me my account was blocked I received 4 fraud calls in one week. then money was taken out of my account unauthorized by me. after my bank investigated and determined I would receive a permanent credit back to my account. I never received a letter or an email or a phone call from Citibank in regards to my account being blocked by them I happened to log on to my online account and it was blocked all my money in my account my direct deposits go to that account and it said online to call them when I called they kept saying for security reasons we can't discuss it with you after verifying all my information they would not tell me anything finally I spoke to a fraud supervisor and he told me they are closing my account and I would receive a letter never received a letter and it will take 30 to 60 days for them to send me a check with my money. no warning no notice nothing that is money I worked hard for I have deposited it into their bank and there keeping my money for up to 60 days. this has caused me to have no food, my car insurance canceled and my water turned off I spoke to them about 10 times begging them to please give me my money now I need it to survive they told me I could go to a branch and have a branch give me my money all the branches in Fl are 4 to 5 hours away. I need my money to survivor
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34652
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-26
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: XX/XX/23 I purchased 4 tickets to a concert totaling {$2800.00}. I received all 4 tickets. As a feature on their website the buyer can send the tickets to the other attendees in advance. I followed the process online to transfer electronically send the tickets to the other 2 attendees. That process was successful. After a few weeks 2 attendees were not able to attend the concert. I immediatly notified XXXX XXXX and asked what my options were. They said I could request the 2 tickets to be electronically returned to me and that I could sell the tickets on their website. The 2 parties completed the transfer and they no longer had access to the tickets. I tried to retrieve the tickets and the option to retrieve the tickets was " dithered out '' not highlighted and I could not reclaim the tickets. These calls went on with XXXX XXXX for months leading up until the concert. The vendor admitted they knew I did not have access to the tickets and all the agents said they did NOT know how to " fix it. '' I spoke with countless agents and chatted online seeking assistance to resolve this issue. I asked for a supervisor/manager and was repeatedly told they had no manager/supervisor. Essentially I was charged for 2 tickets that XXXX XXXX XXXX system could not return to me ( the buyer ) to use or sell. Because of XXXX XXXX inability to deliver the goods I still am being billed for the tickets they could not deliver. Eventually I was told by multiple agents XXXX XXXX does not give refunds for any reasons including their own systems error. I tried to resolve this issue with XXXX XXXX and Citi Bank Resolution Department. Citi Bank informed me they could not " make the vendor returned my money '' but graciously placed {$100.00} credit on my account. I did submitted everything Citi Bank required to resolved this situation and was told the vendor does not issue refunds. Although refunds should be issued by the vendor when they can not deliver said goods such as these tickets I paid.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-26
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: Please be advised that you are attempting to collect on an expired debt. I am invoking my right to cease you, based on factual law that this debt in question is legally expired under the Statute of Limitations. The statute of limitations in the state of Texas is 4 years. The account was opened XXXX. This account and debt should have been ceased as of XXXX. Accordingly, I am requesting that you do not attempt to collect this expired debt, and should you seek legal recourse I will invoke my right of the expired statute as a valid defense. Additionally, any attempts to harm my credit rating by updating or changing dates after you have been informed that the debt is expired, are a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me. I am aware of how long items may remain on my credit reports and any attempt to extend the reporting time will be investigated by me and reported to the XXXX XXXX XXXX and my State Attorney General. I am completely aware of how long the debt is legally collectable and how long it is legally reportable. I realize a debt is allowed to be reported to my credit for 7 years, and my research has shown me that often a collection agency will reset the date of original charge off to the date they purchased it, thus trying to extend the reporting time in an attempt to force a consumer into paying it. It has been well over 7 years, and you are still furnishing this information to my consumer credit report. I am informing you of this knowledge so that you may do the right thing. I have no intention of renewing the expired statute of limitations, so please stop wasting your time contacting me. I expect this will be the last time I hear from you, and I expect the following account to be deleted from my credit report within 7 days : XXXX XXXX. Your company is not only in violation of FCRA violations for trying to collect on an expired debt, but you are also reporting inconsistent information to the credit reporting agencies when all data furnished should be complete and accurate. How are you reporting different payment history, balances, and date last active for the same account? This is clear negligence, defamation of character, and gross misconduct. Furthermore, this is not my account, I was merely an authorized user to help advance my credit. Please take notice that I must receive a corrected copy of my credit report with the changes I have outlined within five ( 7 ) business days from receipt of this letter, or I will be forced to take legal actions under the FCRA, seeking damages for loss of credit and for the mental anguish your organization has caused me. Because of your violation of the FCRA 's time frame on such timely responses, it is safe to believe that the information I have disputed has been corrected and all negative data have been removed from my credit report. See attached account referenced.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75071
Submitted Via: Web
Date Sent: 2023-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-26
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: Please be advised that you are attempting to collect on an expired debt. I am invoking my right to cease you, based on factual law that this debt in question is legally expired under the Statute of Limitations. The statute of limitations in the state of Texas is 4 years. The account was opened XXXX. This account and debt should have been ceased as of XXXX. Accordingly, I am requesting that you do not attempt to collect this expired debt, and should you seek legal recourse I will invoke my right of the expired statute as a valid defense. Additionally, any attempts to harm my credit rating by updating or changing dates after you have been informed that the debt is expired, are a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me. I am aware of how long items may remain on my credit reports and any attempt to extend the reporting time will be investigated by me and reported to the XXXX XXXX XXXX and my State Attorney General. I am completely aware of how long the debt is legally collectable and how long it is legally reportable. I realize a debt is allowed to be reported to my credit for 7 years, and my research has shown me that often a collection agency will reset the date of original charge off to the date they purchased it, thus trying to extend the reporting time in an attempt to force a consumer into paying it. It has been well over 7 years, and you are still furnishing this information to my consumer credit report. I am informing you of this knowledge so that you may do the right thing. I have no intention of renewing the expired statute of limitations, so please stop wasting your time contacting me. I expect this will be the last time I hear from you, and I expect the following account to be deleted from my credit report within 7 days : XXXX XXXX. Your company is not only in violation of FCRA violations for trying to collect on an expired debt, but you are also reporting inconsistent information to the credit reporting agencies when all data furnished should be complete and accurate. How are you reporting different payment history, balances, and date last active for the same account? This is clear negligence, defamation of character, and gross misconduct. Furthermore, this is not my account, I was merely an authorized user to help advance my credit. Please take notice that I must receive a corrected copy of my credit report with the changes I have outlined within five ( 7 ) business days from receipt of this letter, or I will be forced to take legal actions under the FCRA, seeking damages for loss of credit and for the mental anguish your organization has caused me. Because of your violation of the FCRA 's time frame on such timely responses, it is safe to believe that the information I have disputed has been corrected and all negative data have been removed from my credit report. See attached account referenced.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75071
Submitted Via: Web
Date Sent: 2023-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A