Date Received: 2023-12-16
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: In XXXX, I opened an account with Citi Bank and was told that if I deposited a certain amount of money in the account than I would receive {$200.00} within 3 months. I had requested them to not send my debit card to the physical address since I was having problems with my mail getting to me and not going to someone else and was told that they would send the debit card to the mailing address however they did not do that and sent the debit card to my physical address and someone else got the debit card. Since they could not just a simple thing for me like send the debit card to my mailing address as promised than I told them to close the account and give me all of my money back. They closed the account but would not give me my money which is a total of {$5000.00}. They claimed they sent me a check however I never received it so I requested another check sent to me and the check that they sent me was not a good check. I asked Citi Bank to cash it and they told me that I had to go to a certain bank to cash it, after going to several Citi Banks to cash the check, and I went to a certain bank ( branch ) and they refused to cash the check however of course would not tell me why so I asked Citi Bank how I could find out about checking to see if the check was still good and they gave me a phone number to call and when I called the number, the XXXX number claimed that the check was not in existence. I contacted the bank over and over again and they would not give me my money or another check so after getting the runaround, I contacted the XXXX XXXX XXXX and could not get any help there either. I have contacted the branch millions of times within the last 4 years and I still have not received my money. I have had all kinds of excuses and one excuse was that the check that I deposited into the account which was my {$5000.00} was a bad check. It was not a bad check and I can prove that. Their check that they sent me was the bad check not my check that I deposited into the account. After many years of waiting Citi Bank contacted me and told me that they were going to hand over my check to the state and I contacted them in XXXX regarding the check and they still will not give me the check. They ignored me however in XXXX I received a letter from the State saying that the bank was going to give the check to them and I contacted the bank once again and this time I told them that I was going to send all of my complaints to the state to show proof that I was trying to get this money but finally this time Citi responded however they are asking me for money to replace the check and wanting me to show my id and everything else along with social security number. I am not going to do that. Citi bank should have given me this check in XXXX and I would have never had to have gave out my personal information out. Citi Bank also has been given out consumers information in a data breach and now they want more of my information to hand out to scammers. Heck no, I want my money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 915XX
Submitted Via: Web
Date Sent: 2023-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-14
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Citibank says that they presented to my bank XXXX a bill pay in XXXX of 2023 which I have been set up with for over 4 years and everything was always paid. Then for some reason citi says XXXX returned the payment request for XXXX on XX/XX/2023 then online said the payment was returned due to acct frozen. So I contacted my XXXX banker and they said absolutely not that the account was never frozen and there was plenty of money in acct and when they researched it it shows Citi never even presented it for payment then I spoke with citi and got the run around and requested a manager and never got to speak to manager just got put on hold for over an hour
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 801XX
Submitted Via: Web
Date Sent: 2023-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-14
Issue: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: Dear Wayfair Consumer Department, I am writing to formally request validation of the alleged debt associated with the above-referenced account. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to receive detailed information regarding the validity and nature of the debt. To facilitate proper validation, I request the following information : 1. A detailed breakdown of the payment history, including but not limited to : a. Original loan amount b. Date of the last payment made c. Specifics of each transaction leading to the outstanding balance d. Any interest or fees applied and their corresponding dates 2. An original, signed contract or agreement that provides evidence of my obligation to CBNA/WAYFAIR MASTERCARD and demonstrates their legal rights to collect the alleged debt. Please be advised that, under the Fair Debt Collection Practices Act, it is imperative for debt collectors to provide such verification within 30 days of receiving this request. Until proper validation is provided, I dispute the validity of the debt. Furthermore, I do not authorize your company to share any of my non-public personal information, including the information reported on my credit report, with any third parties. Additionally, I understand that under the provisions of 16 CFR 313.7, I have the right to opt out of your reporting. 16 CFR 313.10 ( a ) states, You must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out. I do not believe your company has followed or respected such guidelines. Please perform and comply with both state and federal law. I want to make it clear that if your offices have reported inaccurate or invalidated information to any of the three major credit bureaus ( XXXX, XXXX, or XXXX ), such actions may be considered fraudulent under both Federal and State laws. I appreciate your prompt attention to this matter and look forward to receiving the requested information within the stipulated time frame.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2023-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-15
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: According to the Fair Credit Reporting Act 15 USC 1681 section 602 ( a ) states there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX, and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each. Financial institutions have an affirmative and continuing obligation to respect the privacy of their customers and to protect the security and confidentiality of those. Customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 ( a ) section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), but no consumer reporting agency may also make any consumer reports containing any of the following items of information. Adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission, which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681 ( e ) states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681 ( b ) of this title. XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93030
Submitted Via: Web
Date Sent: 2023-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-15
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: My wallet was stolen on XXXX. I immediately called my credit card companies, including Macys citi bank American Express. The thieves had already charged approximately {$2500.00} on my account. I told Macys Citibank American Express that I had filed a police report and the charges were not mine. Although they said they are investigating and are not making me make a payment right now the charge still shows up on my credit report. They also reported me for being over my credit limit of {$2300.00}. So I filed a report with all three credit reporting agencies. However it says the dispute has concluded and the amount reported was verified. But they show a XXXX balance. The problem is I was never over my credit limit and I never made that charge. Nor did I pay for it. So clearly it is incorrect information on my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92705
Submitted Via: Web
Date Sent: 2023-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-15
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act XXXX Account, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92503
Submitted Via: Web
Date Sent: 2023-12-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-15
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act XXXX Account, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92503
Submitted Via: Web
Date Sent: 2023-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-15
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XX/XX/XXXX, I signed up for Citi Gold membership with my existing Citi Savings account. The dedicated Citi Relationship Manager XXXX XXXX XXXX told me over the phone that I will receive email with a link to register for the {$200.00} Citigold Subscription Rebate program within two weeks. However, it has been way more than two weeks, but I still have NOT received the email link from Citibank for the {$200.00} Citigold Subscription Rebate program yet. I am so frustrated with the poor service by Citibank, which has delayed my {$200.00} subscription rebate for the year of 2023. I request Citibank to honor the {$200.00} subscription rebate benefit for Citigold members and post {$200.00} credit to my Citibank account immediately without any further delay.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77494
Submitted Via: Web
Date Sent: 2023-12-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-14
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: Synopsis : XXXX says they sent Citibank {$3400.00} for a balance transfer so XXXX can not address my complaint until Citibank sends the money back Citibank says XXXX never sent a balance transfer and they can not look for it to determine where the balance transfer actually went Both companies say that I owe them {$3400.00} and that I should just pay them more money until I can figure out a way to work it out. XXXX : Balance transfer from Citibank to XXXX requested and approved on or around XXXX ( This would have almost completely XXXX out my Citibank balance ) Balance Transfer of {$3400.00} added to XXXX balance on XXXX statement Both companies say that I owe them {$3400.00}, which means that my debt of {$3400.00} has grown to {$6800.00}, not including the {$500.00} in interest fees that have racked up on my CITI account, and the XXXX points that my credit score has dropped. Both companies tell me to continue paying monthly notes and wait another 30 days to confirm that the transfer has not been completed. No one will help me so I stopped paying Citibank after discussing the problem with multiple collections agents, who state that they can not transfer me to anyone else untiI pay my past due balance, even though other collections agents have transferred me to the complaint resolution department, where I have been told that either ( 1 ) they have submitted a form that will clear it up ( apparently this is not the case ), or 2 ) no one at whichever company I am speaking to can help me, because the other company has to initiate the response. XXXX XXXX Multiple contacts with both companies have yielded no results XXXX stated that the balance transfer was complete and that Citibank would have to follow up with XXXX to resolve Next call : Citibank stated that they never received the balance transfer and they can not look for it without the transfer number, which is a number that only XXXX can provideI hav. e requested any documentation of funds paid from XXXX XXXX XXXX several times and have been told that they can not send information. I have requested to speak with the Executive Office at Citibank multiple times but I can not get in touch with anyone. Citibank calls me 4 times a day, every day, for two months, now it is down to 2-4 times a day. I think they are going to just close my account rather than transferring me to anyone outside of collections. I keep waiting the extra 30 days for the balance transfer to complete ( as directed ), but I am not sending them more money. I typically spend 45 minutes to an hour on the phone, to then be told to call back and ask for a manager, or that a manager will call me back. A XXXX Supervisor called me back one time. Unfortunately I have to do work while I am at work, and I was unable to reach anyone who could assist when I called back. After three months of receiving 4+ collections calls every day ( I stopped answering, which has to be the intention behind the calls ), Citibank granted a temporary credit of {$3400.00} to the account, pending documentation of the payment from XXXX. Citibank has since rescinded the temporary credit, so that this unsuccessful balance transfer to XXXX has increased the original debt of {$3400.00} to a total of {$7300.00} ( {$3400.00} + {$3400.00} + ~ {$500.00} interest to citibank ) and over a hundred points on my XXXX score. Different agents from XXXX have stated that they do not know how to send this information, that they do not have this information, that Citibank has already accepted the money, that the money was applied to the wrong account and Citibank has to send the money back, and that they can not find it ( A typical call at XXXX cycles me through three agents that can not help me for about an hour ). I would like to note that even though they have not helped me at all, at least XXXX agents are courteous, and I do believe they would have helped me if the resources to do so had been available to them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70117
Submitted Via: Web
Date Sent: 2023-12-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-14
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I, XXXX XXXX, the consumer and natural person, was denied credit by HOME DEPOT INC. when I applied for a Pro X Credit Card. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. You are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that i was discriminated against by HOME DEPOT INC. due to the response I received. HOME DEPOT INC. is in violation of 15 U.S. Code 1642, U.S.C 1681m and 12 cfr 1002 because I, the consumer, made an application in good faith, but credit was not issued. Furthermore, because my social security number ( credit card ) was used and i received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of HOME DEPOT INC. If HOME DEPOT INC. fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card I will indeed make HOME DEPOT INC. criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 1681o. I will also follow up with an invoice for said violations ( { {$10000.00} } per violation ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 318XX
Submitted Via: Web
Date Sent: 2023-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A