Date Received: 2024-02-29
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX XXXX Balance= {$29000.00} XXXX CitiCards CBNA balance {$6900.00} In accodrance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6.2 states I have the right to privacy. 15 USC 1681 section 6.4a section 2 also states a consumer reporting agency can not furnish and account without my written instructions under 15 USCS 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: TN
Zip: 38464
Submitted Via: Web
Date Sent: 2024-02-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-29
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: There was a transaction on my Citi credit card for {$470.00} that has been under different dispute statuses since XXXX of XXXX. Initially it was disputed as fraud and I was then informed it was disputed incorrectly. I sent all documents, including an authorization form that was emailed to the hotel on my behalf prior for the amount to be charged that I was approved for by a third party " XXXX '', which is a online lending service that is used as a loan and they provide you with a XXXX virtual card. It stated the transaction amount and the last four of the credit card that was used for the purchase.They opened another under another form of payment used. I have called in almost everyday to check the status of my credit as this was affecting my use to utilize my credit card for a transaction that I did not authorize on my Citi card. I spoke with a representative in the billing dispute department that stated they had all the documents they needed from me and once that was filled out and completed that they would credit my account for that amount and would have everything they needed. That did not happen. I received a notification on XX/XX/XXXX that the dispute was resolved and I was responsible. The representative today in the billing dispute department stated something contradicting everything that was stated prior and that now the documents are from screenshot and they would now need physical statements. This is an online loan provider and there are no physical statements. Everything I provided showed the amount that was charged on the XXXX virtual card, the loan agreement, and the authorization form that was signed and given to the hotel on the form of payment that was used. There was no authorization form that I ever signed to charge my Citi card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75208
Submitted Via: Web
Date Sent: 2024-02-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-29
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Late last year I received money from a sale of a company that I had stock ownership. I opened a high interest yielding savings account with Citi and transferred $ XXXX from my XXXX checking into the Citi savings. A few days ago we went under contract to purchase a new home and I needed to access $ XXXX from the Citi savings for the earnest deposit. I was unable to transfer anything more than {$500.00} out of my Citi savings and when trying to transfer $ XXXX ( the stated daily limit for the Citi account ) I received a security error message and was directed to Citi customer service. After hours on the phone, all I could get from multiple people is that my account is under review and that they'd get back with me within 24-48 hours. I waited three days with no response and no ability to access the money I needed. When I called back, I got the same response -- account is under review, we'll get back to you in 24-48 hours. At this point, I'm days from closing on a house where I must have access to my money, and if I don't get it, I will incur major losses. No one in customer service at Citi has been helpful. I've wasted hours with them. I'd happily work with them to validate myself or where my funds came from, but instead, I get no feedback, and no answers. A terrible banking experience that if not resolved immediately will lead to much bigger issues.
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: 2024-02-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-29
Issue: Managing an account
Subissue: Deposits or withdrawals
Consumer Complaint: I spoke to the customer service agent who lied several times to me. I was first told that there was no indication of any deposit pending. After I called back, I talked to another personnel who confirmed that I do have a deposit. I have been lied to by several of the bank employees. I have gotten three or more different answers for the same question. The employee refused to give me her name, or her ID number which I have gotten from several employees that I spoke to previously.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44128
Submitted Via: Web
Date Sent: 2024-02-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-29
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In XXXX of XXXX I received a bill for {$8.00} which did not indicate any past due balance or what the charges were for. It was such a small amount that I wrote a check and sent it in the mail and did not question it further at that time. About 7-10 days later I received a letter from the creditor that finances Best Buy that my credit line was reduced from {$5500.00} to {$350.00} on my Best Buy Citi Card ending in XXXX. I tried calling the number on the letter and I was in an automated phone trap. I tried looking up online a better number and spoke to a customer service representative after several attempts. I explained what happened and they suggested to make sure the {$8.00} payment was received to pay over the phone. I paid over the phone again for the same invoice I previously sent the check for. I informed the customer service representative I did not receive any other statement or invoice requesting payment for {$8.00}. He stated it was for {$3.00} and that was past due. I said I did not receive any bill or notice a charge was on my account or any balance was due until the {$8.00} bill that was for a second charge of {$3.00}. I did not receive any billing information since XXXX of XXXX showing my payment or identifying any new charges or activity. The credit card company proceeded to report {$3.00} as 30 days past due and reported the credit line decrease although I informed them that I did not receive any invoice previous to the {$8.00} and that I did not authorize the charges. I am a small woman owned business owner and my credit score greatly impacts my ability to do business and it also causes increase costs for insurance and interest rates, etc. I have a 27 year credit history with absolutely no late payments or any negative remarks until this. I have asked them to remove it and I am being ignored so I filed a dispute. I would like my credit history restored to excellent and my credit line restored and the unauthorized charges to stop. Any charges on my account I expect to receive the invoices/statements and that is not happening. I have also contacted Best Buy directly and notified their corporate office of my experience as a Best Buy Credit card holder and consumer/customer since XXXX and I have never had a payment late history. I was not called, emailed or communicated with until after XXXX and a full billing cycle was missed and the damage was already done. This is extremeness and their actions have caused harm to me by damaging my credit history.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55082
Submitted Via: Web
Date Sent: 2024-03-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-28
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Recently I checked my credit reported and noticed multiple billing errors under 15 U.S. code 1666 ( b ) billing error- ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligir or a credit issued to the obligor.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 49442
Submitted Via: Web
Date Sent: 2024-02-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-28
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/XXXX, I noticed a fraudulent charge on my Citibank XXXX credit card attributed to a purchase from XXXX ( XXXX CA ) for {$600.00}. Immediately recognizing this as unauthorized, I promptly contacted your customer service to report the issue and filed a fraud claim on XX/XX/XXXX. Regrettably, the claim was denied so I called the customer service to enquire about this. They acknowledged that the order was fraudulently placed and advised me to reopen the claim for disputing the purchase. Following Citibank 's guidance, I subsequently reopened the claim on XX/XX/XXXX. Merchant ( XXXX ) was contacted on XX/XX/XXXX. Merchant Responded on XX/XX/XXXX. However, to my dismay, I recently received notification on XX/XX/XXXX that this claim has also been denied and the customer was responsible for the purchase. Citibank reached out to XXXX to gather information about the purchase, and XXXX provided information showing that the order had been fulfilled and supplied details regarding the purchase. Citibank subsequently forwarded me ( XXXX ) containing the information provided by XXXX regarding the order. Upon reviewing page XXXX, it's evident that the order was made using my name, billing address, and shipping address. However, on page XXXX, it becomes apparent that the order was shipped to and received at an unfamiliar address : XXXX XXXX XXXXXXXX XXXX, XXXX, TX XXXX, which does not correspond to mine. This discrepancy strongly suggests fraudulent activity, as I neither initiated the order nor received any items. Despite the clear evidence provided by XXXX indicating a fraudulent order, Citibank still rejected my claim.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98103
Submitted Via: Web
Date Sent: 2024-02-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-28
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/XXXX I submitted a check of about XXXX into my checking account. I am a newer customer so was told they needed to verify the check which was standard. They called the issuer of the check as well as their bank and verified the funds. I was told by Citibank all would clear and the check was verified and I'd receive my funds within 3 - 5 business days. However, on XX/XX/XXXX I logged into mobile banking to see all funds frozen including my savings account and that my account was to be closed. I have called citibank nearly every day since then and visited over 6 branches and no one can give me an explanation or reason, and to simply wait for my account to close and wait 30 - 90 days to " potentially '' receive the check. The check has not bounced and the issuer does not have the funds anymore. Here is my case number with Citi executive response : XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92701
Submitted Via: Web
Date Sent: 2024-02-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-28
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: Spouse died on XX/XX/2023. I phoned to cancel all credit cards. Every bank did so successfully, except Citibank. I mailed death certificate 3 times to Citibank via US Post Office. I phoned 6 times. I tried to cancel via chat. Citibank has mailed to my dead spouse, 3 new credit cards. Yesterday, XXXX, I received the 3rd credit card. I called XXXX to cancel and to ensure that this card is not activated. Citibank refused to cancel the card. There was a balance of XXXX when I phoned to cancel the card the first, second, third, fourth, fifth, and sixth time. Please help me to cancel this card sent to my dead husband.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75252
Submitted Via: Web
Date Sent: 2024-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-28
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Citibank has a promotion going where you open a new checking account and make two enhanced direct deposits totaling {$1500.00} or more and they'll give you a {$300.00} bonus. XXXX XXXX XXXX XXXX ). I opened a new account on XX/XX/XXXX and made the deposits on XX/XX/XXXX and XX/XX/XXXX totaling {$1500.00}. These were sent from my dad 's XXXX account as I do not have XXXX and the funds were settled in my account. On XX/XX/XXXX I initiated a transfer out of my Citibank account to my dad 's Citibank account using Citibank Global Transfer. There was no indication that this transfer would not go through. On XX/XX/XXXX my dad told me he never got the transfer so I tried to log into my account to see what the problem was. At that point I learned that my account was locked. I called Citibank to ask what the problem was and they would only tell me that my account was closed due to fraud and I'd be receiving a letter about it and remaining funds issued in 30-60 days. I asked for details about the letter and to talk to a supervisor, but they would not give me any additional information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 841XX
Submitted Via: Web
Date Sent: 2024-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A