Date Received: 2023-12-03
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: This debt engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78613
Submitted Via: Web
Date Sent: 2023-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-03
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: This debt engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78613
Submitted Via: Web
Date Sent: 2023-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-02
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: On XX/XX/2023 I realized my credit limit was reduced from { {$12000.00} } to { {$6800.00} }. The result is a substantial injury to me by interrupting commerce and causing harm to my livelihood as I am the original creditor to this agreement as consumer credit was utilized and extended to open this account. In accordance with the FDIC Laws and Regulations, I assert there has been a Violation of TILA, FCRA, ECOA, CCPA. - Violation 15 USC 1637 ( I ) ( 2 ) In the case of any credit card account under an open-end consumer credit plan, a creditor shall provide a written notice of any significant change, as determined by rule of the XXXX, XXXX the creditor and the obligor, not later than 45 days prior to the effective date of the change. - Violation 1031 ( a ) and 1036 ( a ) ( 1 ) ( B ) of the CFPA An act or practice is unfair when it causes or is likely to cause substantial injury to a consumer which can not be reasonably avoided - 15 USC 1681 ( D ) ( 6 ) a denial or revocation of credit, a change in the terms of an existing credit arrangement, or a refusal to grant credit in substantially the amount or on substantially the terms requested, shall be disclosed to consumers Within thirty days prior to making changes. The harm associated with the actions by Citibank include a XXXX decrease in credit score, denial of funding for my business ( livelihood ) which limited the ability to maintain critical business continuity.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 360XX
Submitted Via: Web
Date Sent: 2023-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-02
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: Someone stole my credit card information and made purchases on XXXX through her XXXX account. I called XXXX and I found out that the person who used my information without my authorization was my ex girlfriend where we broke up 2 years ago. I haven't seen her since then and I've never gave her my credit cards or authorized her to use my cards. I already filed a police report and an FBI report against her. Also I have an appointment with a lawyer next week. I contacted CITI to dispute the charges and they sent me a letter where it says that I knowingly provided access to my financial information, including credit cards and bank accounts which implies the authority to act on my behalf. They're asking me to pay otherwise they'll report my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60660
Submitted Via: Web
Date Sent: 2023-12-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-02
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Citibank blocked my account and holding all my money!! I was trying to buy an apartment, now they keeping the money, my XXXX and the salary for some kind of reason, who knows for how long?! i never imagined this is can happening in US?!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91355
Submitted Via: Web
Date Sent: 2023-12-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-01
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I received the monthly statement in the mail from my XXXX company which was informing me of new and increased APRs applicable to my account. In the general section i noticed a new line for a {$50.00} charge for an annual fee. I have held this XXXX account for more than a decade at this point and never had an annual fee associated with it. The no annual fee feature of the XXXX is why i opened the account in the first place. Upon calling the customer service line, the rep who picked up tried to convince me that this annual fee had been applied to my account since the account was opened, more than a decade ago. I disouted this claim and asked for the entire annual statement for the full prior calendar year to verify expenses. Upon pulling up the information, the rep adimited the fee had no been charged the prior year. At this point i asked to be transfered to a supervizor. After a hold, the rep returned to the line and offered to change my XXXX to a different type of XXXX which does not incur an annual fee. I declined. He offered to close my account. I declined. I was then transferred to the supervisor. The supervisor told me there is nothing he can do. After pressing him, he offered to apply a {$50.00} credit my account ( same amount as the annual fee i had been charged ) and advised me to call back during the next billing cycle to switch to a differnt account type which does not incur an annual fee. I still wanted to know when/why/how i started incurring an annual fee. He explained that my account type was discontinued and i was automatically switched to this account type and that i was informed via mail when i received my current card, several months ago. This is false. I never received a new card on this account. I have a recurring, monthly charge on this account and i did not have to update it in years. Also, the current XXXX in my possesion has an expiration date within the next 18 months. This service rep is trying to convince me they sent me a XXXX with a 2 year expiration date??!! They are blatantly lying. In addition i do not recall receiving infomation pertaining to these changes in the mail. My consent regarding these changes was never requested or granted. I requested a copy of the original mail package sent to me and i have not received it yet.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20007
Submitted Via: Web
Date Sent: 2023-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-01
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: The Citibank did double charges in XXXX flexi payments transactions to my credit card. Plus, I should already have the refund from XXXX XXXX for {$77.00} dls from each charge ( 3 charges ) plus XXXX refunds from XXXX XXXX of the same amount {$77.00} dls. Total is {$670.00} dls. This money is charged to my credit card balance and It has to be removed to my credit card in order to make a payment, because it is alterating my balance a lot.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78521
Submitted Via: Web
Date Sent: 2023-12-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-01
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: In XXXX, I initiated a bank transfer from Citibank to XXXX XXXX XXXX Simultaneously, I applied for a debt consolidation loan to settle the balance I intended to transfer from Citibank to XXXX XXXX. Consequently, the balance with Citibank was brought to XXXX. Subsequently, XXXXXXXX XXXX issued a check to Citibank for the balance transfer, which Citibank duly cashed. However, this action resulted in an overpayment status and flagged my account as fraudulent, leading to the closure of my account. Despite numerous attempts to resolve this issue by contacting Citibank 's fraud department, customer service, and security operations department, I have been unable to secure a refund. The account 's heavily restricted status has hindered any progress in addressing the overpayment. As of XXXX, I have yet to receive any communication from Citibank regarding the refund, and this prolonged delay is causing significant financial strain. Moreover, the check from XXXX XXXX was cashed by Citibank, leaving me with an outstanding balance that I am now required to repay, impacting my ability to fulfill my financial obligations, including the repayment of the debt consolidation loan used to clear the Citibank balance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 743XX
Submitted Via: Web
Date Sent: 2023-12-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-01
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: The complaint I have is : - I have not received bonus as promised- The bank does not provide anyway to talk to someone who can address my problems- I've spent hours of my time waiting on chat, phone, and for scheduled meetings where no one from the bank showed up. - I have now lost interest I could have received from the funds of about {$1600.00} Details : I opened an online checking account on XX/XX/XXXX. There was a {$1000.00} bonus for opening an account and funding with {$75000.00} I funded the account on XXXX I confirmed with a bank agent that I met all of the requirements for receiving the bonus and should receive it by XX/XX/XXXX On XX/XX/XXXX I was told that I had not received the bonus because the name on my account ( which was only First and Last name ) did not match the name on my tax filing, which included my middle name and XXXX. 1st Issue - I requested the name change kit, but on XXXX, they sent me just another W9 and signature kit. I requested again the name change kit, and finally received on XX/XX/XXXX I submitted a name change document on XX/XX/XXXX 2nd Issue- I called many times between XXXX and XX/XX/XXXX to check status on this change, and they kept giving me some reason why it was delayed and told me to keep waiting On XX/XX/XXXX I got a notice in my online account that said I needed to submit additional name change docs, like a marriage certificate or other reason for the name change. Since this is just a correction, this didn't apply to me, so I started to try to talk to a human about my issue. 3rd Issue - At this point I noticed that the automated phone line would no longer allow me to authenticate so I could not talk to a live agent, which cut me off from anyone that could help me I tried using the chat to escalate multiple times, until finally someone suggested I use the " Schedule an Appointment '' on the website 4th Issue- I scheduled an appointment 3 separate times/ days the week of XX/XX/XXXX. All 3 times no one from Citibank attended the scheduled meeting. I was given a branch contact info to try to call to talk to an agent, but the branch does not answer the phone and I get put back into the automated phone system that will not let me authenticate and talk to a person. So now I've wasted 6 months on trying to make this account work, I still haven't received my bonus, and I've lost more than {$1600.00} in potential interest that I could have made on my money. Citibank has no way for me to address my issue by talking to a human being, and has put up many roadblocks to keep me from contacting someone.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-01
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Dear Credit Bureau Representative : I recently reviewed a copy of my credit report and noticed the following information regarding inquiries to be in error. The Fair Credit Reporting Act states that the only permissible purpose for pulling a person 's credit report is ( 1 ) a firm offer of credit, ( 2 ) insurance, ( 3 ) an application for employment, or ( 4 ) a court order. The following inquiries are not related to one of the allowable purposes, as I have reiterated from The Fair Credit Reporting Act. XXXX Citi Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48045
Submitted Via: Web
Date Sent: 2023-12-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A