Date Received: 2023-12-01
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Account is not reporting correct XXXX data breach Thank You Based on the information you provided, our records indicate your personal information was impacted by this incident. For more information, visit the FAQ page. FILE A CLAIM For Assisted Identity Restoration Services, please call XXXX at XXXX and provide engagement number XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95206
Submitted Via: Web
Date Sent: 2023-12-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-01
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XXXX XXXXXXXX XXXX I received a letter sent by a XXXX lawyer named XXXX XXXX stating that through US Embassy in XXXX, he located me as next of kin of his client XXXX XXXX XXXX who died from XXXX in XXXX without a Will but left a dormant account with XXXX XXXX XXXX XXXX He offered to make me the beneficiary on XXXX XXXX 's account through legal procedure before the balance was being surrendered to the government abandoned property department on XXXXXXXX XXXX, in exchange for his share plus donating 10 % to charity in memory of XXXX XXXX XXXX He also sent me the Death Certificate and Life Insurance certificate matching the balance. Prior to death, my grandfather mentioned he had a brother go to the US before losing the contact, plus the decedent shared the same surname and nationality as well as the age would correspond to my first cousin, supported by XXXX-issued Letter of Administrations, Sworn Affidavit of Claim and Certificate of Appointment Estate Beneficiary without a Will with Case # XXXX presented by the lawyer, so I believed. Before transferring the estate, XXXX XXXX XXXX Operations Manager XXXX XXXX, Branch Supervisor XXXX XXXX and the lawyer asked me to pay USD {$15000.00} to their escrow company " XXXX XXXX XXXX '' in Florida with a Citibank account " for both parties ' security '', and promised me the escrow fund would be returned to me after the estate-transfer was completed because " XXXX law and court mandate that estate be kept with integrity, whereby the escrow fund can't be deducted from. '' I was given the escrow company 's account details as below : Bank Name : Citibank Add. : XXXX XXXX XXXXXXXX XXXX, NY XXXX Account Number : XXXX Wire Routing Number : XXXX ACH only : XXXXXXXX XXXX XXXX XXXX Beneficiary Name : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone # : XXXX ( XXXX ) XXXX Before wiring, I called the above number, specifically asking the manager if they were an escrow company working with the XXXX bank, and he confirmed " the escrow fund will be returned to you after the estate transfer is completed. There's nothing to worry about. '' So I presented my bank XXXX XXXX with the above wire transfer details specifically naming the " Purpose for Wire is Escrow '', hence {$15000.00} was debited from my account on XXXXXXXX XXXX XXXX. Two days after, I didn't hear back from any of the XXXX and Florida parties. So I called Citibank Customer Service to report this wire fraud. A representative answered, unable to reveal an account holder 's identity for privacy, but repeatedly verified that the account holder who received the wire belonged to an individual, not an escrow or business account at all. The escrow business company " XXXX XXXX XXXX '' doesn't exist at all. XXXX XXXX XXXX XXXX also verified the lawyer and his law firm were fake, and the XXXX XXXX was fake, too. It's all fraud. I immediately notified my bank XXXXXXXX XXXX of this wire fraud on XXXX XXXXXXXX XXXX and filed a Police Report Case # XXXX with my XXXX XXXX XXXX XXXX Department which was shared with XXXXXXXX XXXX XXXX from XXXXXXXX XXXX Security Team told me they would contact Citibank to try to retrieve my fund. Since then, I had repeatedly called XXXXXXXX XXXX for the status of their investigation, always being told " still going on ''. Way past the law-requited timeline for a financial institution to update a customer of its investigation status, XXXXXXXX XXXX XXXX, I called XXXX XXXX again , and questioned why the scammers still contacted me 10 days after I reported this wire fraud with the same Citibank account details and with the same fraudulent business name? Account Supervisor XXXX said they had contacted Citibank for this wire fraud first day when I reported, but never heard back. So Citibank not only allowed a fraudster to open an account with it, but also processed my wire through to him despite that the account name, category of ownership and purpose of wire " as escrow '' didn't match at all, plus keeping the fraudster 's account open to abet his further fraud and scams even after being notified by his victim and another bank, and totally ignoring the victim defrauded by its account holder. Just like XXXX, the world 's largest cryptocurrency exchange recently prosecuted by Justice Department, Citibank 's gross negligence, failure on control measures and compliance law allow illicit activities by freely-roaming bad actors to harm law-abiding people. It should be investigated and held accountable!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
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: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I was charged {$600.00} interest on {$3000.00} balance and they are telling me I have a 30 % apr. that interest charge is significantly higher than 30 %
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
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: 2023-12-02
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: my account was closed by city on XX/XX/XXXX with absolutely no reason and I can not access my funds. I was simply told I would receive a letter within 30 to 60 days but I need access to my funds now I would like a check mailed to me with my balance immediately. This is my primary source of income and what I used to pay bills.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33629
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: Credit monitoring or identity theft protection services
Subissue: Problem canceling credit monitoring or identify theft protection service
Consumer Complaint: there are 2 hard inquires in my XXXX credit report were NOT from me. One is from XXXX XXXX XXXX inquired on XX/XX/2023. The 2nd one is from CitiRetail ServicesXXXX XXXX XXXX XXXX ), I need these two hard inquires to be removed from my credit report and also I want to make sure the two places ( XXXX card and XXXX card XXXX do not issue the store cards out in my name. Someone must have stolen my personal information and trying to open store cards to do shopping!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10036
Submitted Via: Web
Date Sent: 2023-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-01
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: On XXXX XXXX someone went to Home Depot and made a purchase under my name of an amount of XXXX XXXX dont know how they did this because I had my credit card on me on this day and was out of the country. I called in may to discuss this matter in attempts to open up an investigation but they really didnt listen to what I had to say. After calling within XXXX weeks they sent me a letter saying their investigation was done and that I was responsible for paying that amount to them. So I went ahead and called again and told them it was not fair for me to get charged such a large amount for something that I didnt purchase. Therefore, I asked them to please open up again the investigation, in which they then told me they did open it up. However, I continued getting calls from Home Depot and text messages saying I had a missed payment. So I called again and I even told them I had proof I was not in the country when that purchase was made under my name so they gave me a fax number and I even had to take money out of my own pocket to pay to send the proof to them. I called a XXXX later and they told me they had not received anything to go ahead an fax them again so I went again and fax it and had to yet again take money out of my own pocket to pay again. I then waited a XXXX of days and I called and checked and they said no we dont have anything from you. This is really irresponsible on Home Depots part especially because they are such a big corporation and have continued to ignore me and wrongfully charge me for a fraud payment that they allowed to happen. Throughout this process I have felt extremely ignored and have just been forced to continue wasting my own money to continue to fight for this situation to be corrected. Money that I do not have to be wasting. I have done my part and paid to fax the proof that I was not in the country at the time of this purchase multiple times. They have not done anything and are continuing to not do anything to solve this problem. Due to this situation, my credit is now even being negatively affected. I would like this situation to be resolved without it becoming a legal situation. This situation has caused me a lot of financial stress and I would not be doing this whole situation or even spending my own money if I was responsible for this. With the concrete proof that I have of not being in the country during this purchase it should not be this difficult to understand and acknowledge that it was not me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95823
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: 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: On XX/XX/XXXX I was billed from XXXX XXXX XXXX XXXX XXXX CA XXXX the amount of {$500.00}. Services were never rendered. On the date of XX/XX/XXXX I was billed from XXXX XXXX XXXX XXXX XXXX CA XXXX the amount of {$1500.00}. Services were never rendered. I have tried to have the amount reversed by XXXX legal group multiple times but they refuse to do so. I disputed the charge with citi bank and the refuse to reverse the charges.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92019
Submitted Via: Web
Date Sent: 2023-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: This is regarding my Citi Best Buy credit card. They had promotion which I took advantage of. Promotion was for purchases over {$500.00}. You can payoff the same in 6 months without incurring any interest essentially deferred interest. I have Promotion which expires on XX/XX/2023. In my XXXX billing cycle I had some other purchases in the billing cycle which didn't qualify for the promotion and I have revolving balance. When I made payment for my XXXX billing cycle. I was expecting my payment to be applied to my revolving balance first so I am not incurring fees or interest but instead the bank applied to Promotional balance and I will now incur the interest on revolving balance although I have 28 days to still payoff my promotional balance. Bank had done this last year to me and that time they had way to correct the situation. But this time agent and their supervisor told me their system has changed in XXXX and they are no longer able to reapply payments as per my request. As it stands today no one can tell me how to correct the situation. I asked bank to file complaint and they put compliant but there is no outcome expectation as they said there may be follow-up from bank if they need anything from me otherwise they will review.. As a customer this completely misleading. If promotion is for 6 months and there is date published online, bank should not have applied my payment this way. Additionally, if they want it to behave this way then end promotion on the billing cycle. This completely misleading.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80130
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
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: On XX/XX/2022, I signed up for a free 7-day period trial offer from the online streaming merchant XXXX. This free trial was cancelled before the 7-day period, it was cancelled on XX/XX/2022. I received both a welcome email and an email stating that my free trial had been cancelled ( by me ) before charges incurred ( this is noted on XXXX 's system that they did in fact received the cancellation and it is noted in the attached email and a customer representative confirmed this information ). Nine ( 9 ) months later I am being charged for transactions/services, for a total of {$480.00}, that I never authorized. I contacted my banking institution, American Express, before contacting XXXX regarding the fraudulent transactions to report them as fraud. American Express at first were able to remove the transactions as they said this was an open and pending investigation and said they were going to be removed while the investigation was completed. A month later the charges reappeared on my statement, and when I contacted American Express about it, they said that the charges were valid and not fraudulent as the merchant, XXXX provided documentation stating that they were done by me. I proceeded to contact XXXX regarding these transactions to try to understand why I am being charged for something that I never signed up for. In speaking with them, XXXX informed me that they could not do anything regarding the refunds, because this was now with my banking institution [ American Express ], and they could not help me. I asked XXXX for proof of the sign-up, such as welcome emails, IP addresses, time stamps and other substantial information of where the services originated and anything else they may have, but they said they can not and will not provide any additional information since they have provided all proofs and documents to my banking institution [ American Express ] , but not to me. In many occasions I have contacted American Express requesting these documents but they refuse to provide them, since they have claimed that the documents are private and can not be provided to me, even though according to both the merchant and American Express I made the transactions. My feeling is that they are hiding information and they are manipulating User 's information in order to generate revenue. Unfortunately, my banking institution is siding with XXXX even though the information has not been provided to me. I am seeking a reimbursement in the total of {$480.00}. I have reported XXXX to the XXXX, the Federal Trade Commission and my State Attorney General regarding these fraudulent transactions since American Express does not want to help me. If you notice on the XXXX website, XXXX has a pattern, history and precedent of doing this type of activity and washing their hands by saying you never cancelled, and you re-initiated these services. I also want American Express to do a proper investigation where they collect information from both sides not just from the merchant.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20832
Submitted Via: Web
Date Sent: 2023-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: On XX/XX/XXXX, I called Best Buy Credit Card Services to dispute a XX/XX/XXXX purchase. I disputed the fact that I did not purchase a {$1900.00} XXXX XXXX, nor did I have it delivered to an XXXX XXXX XXXX XXXXn XXXX. I also disputed that the Best Buy card used to purchase this product under my name is different from the Best Buy Credit Card in my possession. In XX/XX/XXXX, I called Citi Bank to file a claim of fraudulence regarding the Best Buy Credit Card purchase. Citi Bank confirmed the investigation was underway. I called again sometime in XXXX and was told the investigation is still occurring and could take up to 90 days. On XX/XX/XXXX, I received an updated letter informing me the investigation has completed and Best Buy removed the disputed charges. However, my Best Buy account is still sending me emails and calls to pay my bill, as the charges remain listed on my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19380
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A