Date Received: 2023-11-18
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX Inquiries were not authorized
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07203
Submitted Via: Web
Date Sent: 2023-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-18
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: CITIBANK NA., BEST B XXXX XXXX XXXX CITIBANK NA, WAYMC XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX Inquiries were not authorized
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07203
Submitted Via: Web
Date Sent: 2023-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-18
Issue: Improper use of your report
Subissue: Received unsolicited financial product or insurance offers after opting out
Consumer Complaint: CITIBANK has sent me numerous mails about credit offers with the misspelled middle name in my name. I have opted out of all pre-approved credit offers and advertisements.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20018
Submitted Via: Web
Date Sent: 2023-11-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-18
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: When i try to login to Citi app, i cant see my new opened checking and saving account. when i call them, them told me its locked but didnt give me any reason for that lock and they just stole my money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27514
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: Closing an account
Subissue: Company closed your account
Consumer Complaint: My checking and savings account with citi bank was randomly closed for fraud supposedly. I called and called all day until I received a number to call only to be told call back I'm 24 to 48hrs. I don't have access to my money and my account which I use to pay bills and get paid as well.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11103
Submitted Via: Web
Date Sent: 2023-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-16
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Citi Bank claim case ID : XXXX XXXX XXXX XXXX XXXX I opened a dispute with Citi Bank in the amount of {$250.00} regarding a transaction to XXXX that I was charged twice for. Some history of the transaction is : in XX/XX/XXXX I made a purchase at XXXX while traveling, it was a legitimate purchase, at the same time my debit card through XXXX XXXX XXXX was used fraudulently and I opened a dispute with them. I mistakenly added the XXXX charge to that dispute it shouldn't have been added. I received an email from XXXX informing me of the disputed charge and they stated that I needed to pay the {$250.00} and contact XXXX XXXX XXXXXXXX which I did. I paid the {$250.00} on my Citi Debit Card and XXXX XXXX XXXXXXXX reversed the chargeback so now I've paid for the order twice. I contacted XXXX and they stated that they would not credit my account and that I would need to go through Citi to dispute the double charge and receive the funds. I filed the dispute with Citi on XXXX and on XXXX I received a letter from Citi requesting additional information and backup information on the disputed charge. I provided this information to Citi via email on XXXX ( 5 business days after initiating the dispute ). I sent the form Citi requested along with the chat transcript from XXXX where they confirmed the double charge and stated that I needed to go through Citi. I confirmed with Citi via chat and phone call that the letter was received and added to the account as their letter stated I needed to respond by XXXX they confirmed on XX/XX/XXXX that the information was received. I've been in regular contact with Citi to get an update on when a temporary credit would be made on my account for the {$250.00}, no updates have been given, all I get is a generic response saying it's being reviewed or investigated. On XX/XX/XXXX ( 15 business days after filing the dispute ) I was told the dispute was closed due to lack of information being received within 10 business days. This is not true or accurate, the information was submitted 5 business days after the dispute was opened. The agent stated that the dispute was re-opened after receiving the information, she stated that the information wasn't received until XX/XX/XXXX, that's not true either. I stated that is unacceptable, I've provided information within the required time and a temporary credit needs to be applied to my account in the amount of {$250.00}. I gave them until close of business yesterday to provide a credit and an update they did not. Citi has exceeded the 10 working days to investigate or provide temporary credit we are now at working day 17. I have provided all information requested within the requested timeframes.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43081
Submitted Via: Web
Date Sent: 2023-11-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-15
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: I submitted a dispute per their process for a defective item, but the credit card company ignored the information sent in about it being defective and instead requested a credit slip from the merchant when I already tried to exchange with merchant and the merchant stopped communicating with me. I responded to the initial denial of the dispute with the information requested of the complete description of my original claim and that the merchant would not do anything and the reason for my dispute was because the merchant would not fix the the situation with the defective item. Please see attached the letter I sent to Citi Card with all attachments showing communication with the merchant, the defective product, and the Citi response letters and the merchant response letter. Citi Card closed the investigation and left me with a defective product and the merchant with the {$200.00} plus 5.5 % tax ( {$210.00} ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53142
Submitted Via: Web
Date Sent: 2023-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-15
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am writing to dispute the inquiries on my consumer reports, inquiries conducted on my behalf without explicit permission. I did not authorize any such investigation, and i request immediate deletion and clarification on this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30058
Submitted Via: Web
Date Sent: 2023-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-15
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Citi Bank locked my wife 's 4 accounts and my 1 account on ~ XX/XX/. On XX/XX/XXXX, my wife contacted Citi Bank and was transferred to several departments, ultimately Fraud, and worked with the representative to clear the fraud concerns. XXXX XXXX, Citi Bank and my wife all concluded to reinstate the accounts. My wife in short had to transfer XXXX to place on a new car XXXXdown payment ) as we awaited XXXX to send checks for totaled vehicle. Then my wife deposited the first XXXX of XXXX back into Citi Bank savings and the account was flagged. This was all discussed and cleared for reinstatement on XX/XX/. The ( Back Office ) for Citi Bank still closed the accounts, locking our " XXXX from us, not allowing us to have the funds for 30-60 days. Citi Bank also neglected to share with us the reasoning for the closing of accounts as they only said fraud. Stating you will get a letter in the mail. This does not help us as they have `90 % of our liquid savings and there is no reasoning for fraud as documented with several Citi Bank representatives.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77346
Submitted Via: Web
Date Sent: 2023-11-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-15
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: Sat, XX/XX/2023, found the ticket advertisement for concert on XXXX website : Tickets can be found at XXXX. Ordered tickets : Youll receive email with instructions and tickets from original provider, not XXXX. Found similar tickets almost two times cheaper on XXXX XXXX. Tried to return the tickets, but no return only a sale on the same website. Tried to sell, but no email from provider, no tickets, nothing to sell. Report scam. Citibank opened a payment dispute and the respond : Investigation completed ; without a valid slip we are unable to intervene with the merchant. * Nothing to return, no slip from scammer. Sun, XX/XX/, from XXXX. 1 hour left to send your tickets, if you do not send the tickets, charges will apply. No email and tickets from provider, nothing to send. Mon, XX/XX/2023, from XXXX : Charge applied, reason : XXXX Not XXXX. Open payment dispute with Citibank, got response : If you continue to dispute, provide documentation that the merchant charged you twice for the same merchandise. * No comments. For some reasons Citibank, by absurd impossible requests* to initiate disputes the charges, prefer to participate in scam instead protecting customer from it. If stealing money from customers by scam is illegal way to do business and customer protected from this, please help me to get my money back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10467
Submitted Via: Web
Date Sent: 2023-11-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A