Date Received: 2023-11-18
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On the statement on XXXX they charge me XXXX dollars of interest without buying nothing. I call Citibank and no help. I purchased a XXXX on XX/XX/2023. I paid {$600.00} in payment before the XX/XX/2023 so I wont get charge the interest and they still charging me interest. I called the company again and no help thats like stealing my money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90280
Submitted Via: Web
Date Sent: 2023-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-18
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 contacted Citi Bank and requested to be connected to their fraud department after noticing three fraudulent charges on my account. The charges occurred on XX/XX/XXXX with See Tickets *XXXX in XXXX XXXX XXXX CA , amounting to {$1400.00}, on XX/XX/XXXX with XXXX XXXX totaling {$430.00}, and on XX/XX/XXXXXXXX with XXXX XXXX XXXX in NY for {$39.00}. The {$39.00} charge was promptly removed, and a dispute was filed for the other two charges. While awaiting a response to my dispute, I discovered another pending fraudulent charge on my account. I immediately contacted Citi to cancel the pending charge. Despite being assured that a new card would be sent and the old one closed, the fraudulent charge remained pending. After numerous calls to Citi Bank throughout XXXX and XXXX, the charges were finally reversed in XXXX. However, in XXXX, I received a letter from Citi regarding my dispute. According to the letter, the merchant provided documentation affirming the validity of the {$1400.00} fraudulent charge ( See Tickets *XXXX ), and the charge was reinstated on my account. Upon reviewing the documentation, I found compelling evidence on the first page indicating that the charge was indeed fraudulent. Specifically, the email address associated with the purchase differed from my valid email address, which I confirm on every call to Citi Bank. Additionally, the IP address on the purchase did not match my home address in XXXX XXXX, NV, showing XXXX, California. I am urgently seeking assistance in removing the fraudulent charge of {$1400.00}, confirming the illegitimacy of the {$430.00} charge, and obtaining a refund to close my account. I no longer have confidence in the security of my information with Citi Bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89115
Submitted Via: Web
Date Sent: 2023-11-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-19
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I, XXXX XXXX, residing at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, have applied for City Bank credit card on XXXX. My application was denied by a non sufficient explanation. During the time of my application I had a high credit score and a clear credit history, which brings me to a conclusion that the cause of the denial was my ethnic identity. City Banks decision was impacted by a segregation against me being an XXXX. I am attaching the denial letter to my statement, and requesting you to please process my complaint. Sincerely, XXXX XXXX My email- XXXX phone- ( XXXX ) XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91605
Submitted Via: Web
Date Sent: 2023-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-19
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: My credit card was locked by the Citi Bank on XX/XX/XXXX. I tried to resolve this problem by calling the customer service to verify my identity and unlock my credit card, but the customer service responded to my request quite passively. They promised to send me a verification letter and to call me back after conducting a survey on my case. But none happened after a whole month, and my credit card is still locked
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60605
Submitted Via: Web
Date Sent: 2023-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-19
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Hello. I have reached out to the credit reporting agencies multiple times before, and have not received remedy to my issues. It has come to my attention that according to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX XXXX, XXXX and XXXX are consumer reporting agencies and I am the XXXX. 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 institution has an affirmative and continuing obligation to respect the privacy of its 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, XXXX and XXXX simply meaning they DO NOT have my consent to furnish this information and they surely do not have my written consent. I hjave NEVER given anyone written consent to furnish my information to anyone. Any and all consent to XXXX 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 ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other 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 1681e 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 1681b of this title. XXXX 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: OR
Zip: 97477
Submitted Via: Web
Date Sent: 2023-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-19
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I bought an extended warranty for a tv at Best Buy for {$170.00} using a store credit card. I was told by the sales person, this was for 2 years of protection on the tv. When I read the email after making the purchase, its actually a membership to My Best Buy Total membership, which is an annual membership that costs {$170.00} per year and automatically renews each year. I found this very dishonest on only really getting 1 year warranty for {$170.00}, and its a membership program not an extended warranty service.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77449
Submitted Via: Web
Date Sent: 2023-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-19
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: The supervisor I just spoke with today XX/XX/2023 about XXXX est was extremely rude offering to waive only one fee when the issue was for XXXX and XXXX. He was speaking so fast in a foreign language and speaking over me as I spoke. He then refused to waive any fees all because I told him I couldn't understand what he was saying especially being that he was speaking over me as I spoke. I absolutely hate that I even have to speak with you at all but someone really should do a better job at hiring and coaching these people. You all already owe me over {$200.00} that I've not gotten resolved and now I'm not receiving my invoices and incurring late fees.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-17
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I opened a new Citibank checking account back in XX/XX/2023 and deposited a personal check amounting {$1700.00}, issued by my client, I work for him as a caregiver. The very next day they blocked my account. I contacted customer service and was transferred to fraud department, I was told that they couldnt verify the check I had to contact the maker to call them to verify it, the maker did call citibank but they said its not verified phone number so they couldnt accept that. Then I received an email from Citibank that my account will be closed within 60 days. The email simply states : Based on a recent review of your account, we found that you have violated the terms per the client manual. There were no specifics given in the email as to what terms exactly I violated, I contacted Citi several times but they kept transferring me to different departments. Citi representatives quoted the same statement in the email without adequate explanation why the account is closed. When I asked them how to get the funds, they said I will be receiving a mail with detailed statement and a check of the remaining balance, which is the check that I deposited {$1700.00}. Ok, no problem. But after patiently waited for 2 months, I received {$25.00} which is the amount that I put in to open an account, no further explanation.so I called them again and only been told that I will not be getting a check because they couldnt verify that the funds belong to me. Imagine you asked me wait for 2 months and now telling me a totally different disposition.. Citi rep stated that I have to contact XXXX XXXX to call his Bank which is XXXX where the funds originally came from, and they need XXXX to file a STOP PAYMENT or Dispute in order to return the Funds to the original account. Anyways, I contacted the Maker and asked him to file STOP PAYMENTand I had a in a 3 way call with XXXX but After talking to an agent XXXX, I got the same answer that XXXX can not file a STOP PAYMENT because it was successfully cashed and the funds was totally legit and has no implication of fraud. XXXX states that Citibank shouldnt have keep my money and theres no reason for them release the funds directly to me, because it`s my money and theres no issue from them, after the transfer had been cleared by XXXX ( I have proof of conversion with XXXX ). If Citibank suspects any fraud involved in this transfer Citibank should return the funds directly to the original account but they CITIBANK expects XXXX to contact them directly, I even provided Cleared Check Verification letter through Citibank executive department, XXXX contact details are provided in the letter but CITIBANK refused to contact XXXX and expect them to contact Citibank directly. In the following days, I made numerous calls to Citibank again and Filled complained through CFBP 2 times already this will be the third but seems like Citi is not doing anything to resolve this issue, I told Citibank the information I received from XXXX, but I " ve faced resistance and indifference. Citibank Executive department refused to contact XXXX and insist that I contact the bank and theres nothing I can do and they couldnt discuss any information to me regarding the check anymore.and its now bank to bank transaction and insisted that XXXX should contact them to file the claim despite my explanation of the previous unsuccessful attempts. And nobody from Citibank Back office care to provide adequate information as to why they are refusing to release the funds even after providing evidence and nobody from Citi is willing to work with XXXX to sort this out. Its been a nightmare dealing with Citibank customer service and their executive department. As a consumer, Ive diligently pursued all avenues to rectify this situation. I had waited more than 80 days and spent tons of hours working with Citibank trying to get my money back, but ended up being put into a hopeless position as where I am now. Its ridiculous and beyond frustration. I went to XXXX Physical and begged for help I showed them Citibank email that Citibank was asking to call them luckily the lady that I spoke was very helpful so she asked for help on their back office. She said theyll call me for an update but she emailed me instead. I have the proof email its legit I can provide its needed. This is the current Email that Becu sent me : I understand your frustration. I dont think its right that they are refusing to give you your funds but we reached out to Citi to see if there was anything that we can do. On our end the funds are paid and have cleared the account and we have not had them returned to credit them back, essentially Citi still has the funds and would either need to release them or credit us back, so that we can credit the member who can then issue a new check. We reached out to Citi as you requested and as the letter stated we needed to do to reach a resolution and this was their response that my back office provided : Citi stated that the case in in their back office and we need to wait until they finish their investigation and send us a letter to do anything. Basically, there is nothing we can do from our side, the case is in Citibanks back office, and we need to wait until they finish their investigation and send us a letter. She stated that we will likely end up receiving a letter from them wanting to give the funds back to us. She also said that we have received letters like this in the past where financial institutions want to give the funds back and we dont know the reason, but we receive the credit and then pass it on to our member. It sounds like Citibank is not wanting us to verify the legitimacy of the check or approve the release of funds, but that they have made the decision to close your accounts for an unknown reason. They have their own reason to hold the funds and have not provided us with their reasoning as to why. Once we receive the letter, we can reach out to them and verify we are due the funds and when they credit us back, we will credit our member, who can write a new check to you. Right now we have done everything that we can do, the check was a valid check that was deposited and that is why it has cleared the account. There is no reason on our end that we are aware of that Citi should be holding the funds and they have provided us no other solution but to wait for them to complete their investigation and send us a letter to have them credit the funds back to us. This is clear that the citibank is just making an excuse not to release the funds. This is not a lot of money to them its only {$1700.00} but they dont care even if they tainted their reputation and lose customers. I have evidence like emails and phone call recordings ( I asked for their consent to record it. so its not illegal ) those are proof how citibank dealt with their customers there is no customer service. I will not stop until I get my money back. I have tons of evidence and I am willing to share it if I had to.
Company Response:
State: WA
Zip: 98204
Submitted Via: Web
Date Sent: 2023-11-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-17
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: NOTICE TO PRINCIPAL IS NOTICE TO AGENT, NOTICE TO AGENT IS NOTICE TO PRINCIPAL, I HERE ON BEHLAF OF PRINCIPAL ACCEPT ALL TITTLES, EQUITY AND RIGHTS. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- CITI BANK HAS DISCRIMINATED AGAINST ME BY DENYING ME A RIGHT TO CREDIT UNDER THE EQUAL CREDIT OPPORTUNITY ACT WHICH CLEARLY STATES IT SHALL BE UNLAWFUL TO DENY A CONSUMER CREDIT ON THE FACT THEY HAVE EXERCISED A RIGHT. NOTICE CONGRESS UNDER 15 USC 1602 STATES CREDIT IS A RIGHT GRANTED MEANING IT IS ALIENABLE RIGHT. NOTICE IT IS FACT I HAVE ENTERED INTO A CONSUMER CREDIT TRANSACTION WITH CITI WHERE A FINANCE CHARGE WAS CONDUCTED AND A SECURITY WAS GIVEN TO CITI IN EXCHANGE FOR CREDITS BEING EXTENDED BACK TO ME. NOTICE IT IS FACT CITI HAS ACQUIRED MY ORIGINAL CREDIT CARD DEFINED UNDER 15 USC 1602 VIA A CREDIT APPLICATION AND HAD A OBLIGATION UNDER THE FEDERAL RESERVE ACT 16 TO EXCHANGED THAT INSTRUMENT VALUE FOR VALUE AND RETURN TO ME MY CREDITS. NOTICE IT IS FACT CITI HAS ACQUIRED MY CREDIT CARD ( ssn ) AND HAS NOT EXTENDED ME MY OWN CREDITS AS THE ORIGINAL CREDITOR DEFINED UNDER 15 USC 1691a. CITI HAS DISCRIMINATED AGAINST ME DENYING ME A RIGHT WHERE I RECEIVE NO BENEFIT NOW IN VIOLATION UNDER 15 USC 1644 AND 18 USC 242 AND 241. NOTICE IT IS FACT CITI HAS ALSO FAILED IN ITS TRUTH IN LENDING REQUIREMENTS AND HAS FAILED TO DISCLOSE ME MY RIGHT TO RECIND MY APPLICATION 3 DAYS AFTER APPLICATION. SINCE CITI HAS VIOLATED ME WHILE OBTAINING MY SECURITY CITI HAS NOW COMMITTED A VIOLATION UNDER THE SECURITY EXCHANGE ACT OF 1934 AND I WILL BE FORCED TO FILE A IRS FORM 3949a AND 211 AGAINST CITI FOR AUDIT. I HERBY EXERCISE MY RIGHT TO RECIND AND DEMAND MY ORIGINAL APPLICATION BE RETURNED AND ALL NEGATIVE REMARKS REMOVED FROM MY CREDIT REPORT IMMIDIATELY.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-17
Issue: Lost or stolen money order
Subissue:
Consumer Complaint: My elderly batchelor uncle, died in California in XX/XX/2020. He had no living heirs, beside myself and my three sisters who all live out of state and were not contacted about his death until the XXXX XXXX XXXX called us in XX/XX/2020. By the time we learned of the death, individuals unknown to us, had cleared out his condo ( where he had lived for XXXX years ), and were in the process of clearing out his approximately {$200000.00} of bank accounts- with the assistance of his two banking institutions. At the time of his death, ALL of his money was in his PERSONAL NAME. He had {$0.00} in any account titled as a Trust Account, and funded no trusts. Irregardless, CitiBank turned over more than {$170000.00} to an individual who claimed to be his " Sucessor Trustee '', and converted personal funds into Trust funds... POST DEATH. By doing so, CitiBank employees violated its own internal bank policies, and California Trust law. The individual to whom CitiBanks gave his money, had no right to his Estate Assets, without approval of the California Probate Court. In our subsequent lawsuit against this individual, through discovery we were provided a copy of a {$20000.00} CitiBank Official Check our uncle had purchased in XXXX,XX/XX/2020 That check is still outstanding - as the interloper/ '' crook '', has not able to negotiate it. Only his true Estate Executor can do so. Using the same CitiBank " Small Estates Affidavit '' that Citi let the interloper use to drain all the bank accounts- I have sent three written requests to Citi to both be named legal successor, and to gain access to this {$20000.00} check. I believe there may be other funds of our late uncle also 'stored ' in Official/Cashier checks. This was his long-time practice. Citi has dodged, delayed, and obfuscated on my requests, no doubt understanding their culpability in this matter. I had hoped to resolve this issue without having to use the California court systems again, but that seems now hopeless. The bank 's legal liability here, is crystal clear.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30004
Submitted Via: Web
Date Sent: 2023-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A