Date Received: 2023-12-08
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: XXXX XXXX XXXX XXXX ( XXXX ) purchased a debt obligation, by doing so paid off the obligation of debt for Your Change Your Choice Const. XXXX ( XXXX XXXX ) account no. XXXX XXXX XXXX XXXX The original creditor The Home Depot XXXX Card ( CITIBANK , N.A . ) not only permitted the purchase but also charged off the debt through the IRS. XXXX Through deceptive and misleading attempts to establish a contract with me again through deceptive and misleading actions. All attempts were responded to with a Register Mailing ( XXXX XXXX XXXX XXXX XXXX ) Refuse for Cause No Consent No Contract Cease and Desist, a Private Registered Formal Notice of Claim Mailing Record, request for wet ink signature of contract, 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 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 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 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
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19047
Submitted Via: Web
Date Sent: 2023-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-08
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: This is Bizarre!!! On XXXX XXXX I opened a Checking Account a Savings Account and a Credit Card with XXXX XXXX XXXX. I linked up with all other Banks and Accounts of mine. I tried XXXX times to do the CITIBANK VERIFICATION OF ACCOUNT. Nothing happens. They ( CITIBANK ) doesn't even get back to you. They are an absolute XXXX XXXX. I have been unable to pay my Credit Card with CITIBANK. I've even sent a transfer from XXXX XXXX to CITIBANK for {$100.00} and it's never POSTED!!!!!! They do not even respond to a customer. You call them and your connected to a XXXX CALL CENTER. Totally worthless. I've never experienced anything like this with any Bank. Citibank is a XXXX XXXX. My Account is in Perfect Order. I've paid all my payments on time. I have PERFECT CREDIT with all 3 Credit Bureaus. That's a Fact.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-09
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: My bank account was hacked and the hacker stole {$1800.00} from my account. I have been a client of the Citibank for about 20 years. This account was in good standing for about 20 years. The Citibank response to this incident was that I have to wait until they finished with the investigation to return my money. I do not think this is fair because my money was stolen because simply the Citibank online security system failed and I do not think that I have to wait to get my money back because of failures with their security systems. The hacker went into my account, deleted my pin, add a payee, and did a wire transfer transaction. It is incredible and unbelievable how the Citibank let this hacker to do all that, and even worse, I do not believe that as a client for about 20 years should be treated the way the bank is treating me. The bank is rejecting a provisional credit to me and they wanted me to wait for something that clearly was a negligent from its side to protect my bank account. Since this incident happened, the customer service from the Citibank is been horrible, it seems that the bank is only interesting to look for its own benefits and does not care for me as a client.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02124
Submitted Via: Web
Date Sent: 2023-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-07
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: XXXX XXXX Account Closing notification Keep calling customer number and multiple visit to the branch.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33068
Submitted Via: Web
Date Sent: 2023-12-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-07
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: Citibank reopened my credit card account without my consent, posted an annual fee of {$110.00} and then harassed me daily to collect it. I closed my credit card account with Citi over the phone in XXXX and confirmed that the annual fee would be waived and there was {$0.00} balance on the account. I then started to get automated collections calls every single day about an over due balance. I spoke to a representative several times and they assured me that the account was closed and that the annual fee would be waived. Finally on XX/XX/XXXX, I asked for a cease and desist and that they stop contacting me about my account. They then informed me that a credit card was reissued after I requested my account me closed in XXXX and it was in fact re opened without my consent. When I asked to formally close my account again and for written email confirmation of what was discussed on the phone and confirmation that my account was closed with a {$0.00} balance the representative on the phone told me that she would not provide that and a letter would be mailed in 7 - 10 business days.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 902XX
Submitted Via: Web
Date Sent: 2023-12-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-07
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: Citibank NA XXXX Shop Your Way Master Card - Shop Your Way Points earned, but never posted to account : The company has not awarded points from XXXX promotional offers : XXXX. Spend {$300.00} or more per month on travel/hotels/airfare etc. to obtain XXXX points for each month of XXXX through XX/XX/XXXX. - Activated XX/XX/XXXX. - Spent more than {$800.00} at XXXX XXXX XXXX in XX/XX/XXXX. - XX/XX/XXXX - Citi said on phone that the points were earned on XX/XX/XXXX. - Points have not been received. XXXX. Spend {$800.00} or more online between XX/XX/XXXX and XX/XX/XXXX. - Activated XX/XX/XXXX. - XX/XX/XXXX - Citi said on phone that online spending in the account qualified for the promotion. - Points have not been received.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20009
Submitted Via: Web
Date Sent: 2023-12-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-07
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I did not authorize CITIBANK NA to run my credit
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11701
Submitted Via: Web
Date Sent: 2023-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-08
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Back in XX/XX/XXXX, I received an email regarding my Shell gas credit card that since I haven't used in a while will be closed in XX/XX/XXXX. So I used my card on XXXX XXXX. I received another email about my account in XXXX being closed if not used. I sent a message through the Shell Credit website asking if I need to use it again or not. I went back and forth regarding my account with a representative. Not once did I request to have my account closed but the representative closed my account without my authorization. Now it has been reported to the credit agencies. I have attempted to contact Shell through their website and haven't gotten anyone to fix this issue. I called on a few occasions, keep getting the run around that it has been escalated. On XX/XX/XXXX, I allegedly spoke to a supervisor name XXXX who was very rude and informed me that a few points off my credit report won't matter. It's my credit report and it does matter to me. Especially when my account was closed without my authorization.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78130
Submitted Via: Web
Date Sent: 2023-12-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-08
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: In early XX/XX/2023 I was notified of suspicious activity on my acvount. When I confirmed that I did not initiate the attempted charges. I was informed the card would be closed and I would be issued a new card. I had already scheduled a payment for the old account number and was not informed that since the old card had been cancelled I needed to reschedule the payment. The payment that I originally scheduled for {$49.00} was never processed and I was charged a late fee and additional interest along with a penalty APR. I resubmitted the payment once I found out it wasn't processed. Although the late fees and interest were reversed, my upcoming payment was increased to an amount that I am unable to afford. I have contacted Citi several times and gotten the runaround and I am still unclear on how much my minimum payment is. I am also unclear as to what my APR is. I FEEL THIS IS GROSSLY UNFAIR SINCE I AM A VICTIM OF FRAUDULENT ACCOUNT ACTIVITY. I just need someone from Citi to straighten this out for me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60620
Submitted Via: Web
Date Sent: 2023-12-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-07
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: I had a credit account with citi and someone used my card and had a payment on my card. I filed the dispute aganist that payment and it the only payment on my card. The investigation was undergoing and they reported the late payments on to my credit report and marked and it hurted my credit so bad. All my major credit companies are closing my account. My account was paid full by bank after finding out the dispute and they took off all the charges and I had XXXX amount one me but they closed my account and still have the late payments on my credit. I have no idea where to go and fix. I never had any late payments on my credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11235
Submitted Via: Web
Date Sent: 2023-12-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A