Date Received: 2023-11-15
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Company violated FCRA 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63136
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 your account
Subissue: Company closed your account
Consumer Complaint: I received an email on XX/XX/2023 stating my account had been closed. I immediately contacted Citibank, because I did not request for the closure. I am a victim of identity theft. Someone attempted to gain access to my account and when they were unsuccessful, they requested the closure. They then attempted to apply for a new Best Buy card again using my information. I filed my complaint with Citibank 's Executive Response team and with the Better Business Bureau. Their only response is that they did nothing wrong. The caller had the right information to request the closure and I can apply again. Of course they have my information. It was stolen! It's not a matter of blame, as Citibank would like to focus on. This is my life and my credit that I have worked hard to establish. It is my second longest account. As a consumer, I am being victimized by a scammer and then by this business and they wipe their hands and say " Sorry, too bad for you ''. It is not fair that a fraudster can potentially close down ALL of my accounts because " they had the right information. '' Am I supposed to be ok with that?! Where is the protection for account holder?! Here I am again seeking for Citibank to do the right thing and take care of their loyal customers. Since I see this is going back to Citibank, I'm wasting my time. Where is the checks and balances of these banks?!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92557
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: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: I recently opened a Citi credit card account in XXXX of XXXX. I have made on-time payments and remained well within my credit limit when using the card. On XX/XX/XXXX I made the minimum payment of {$230.00}. Every payment prior I have paid above the minimum payment. On XX/XX/XXXX I received an email from Citicards that due to information from my XXXX report they have reduced my credit card limit by {$1800.00} leaving an available balance of {$85.00} that prior to the payment was {$2300.00}. Per XXXX my credit score was XXXX with 100 % on time payments. I have made on-time payments, have not exceeded the card balance at anytime and have maintained in good standing with Citi and my other financial obligations. I feel this tactic now will force me to either pay the card off wholly or make a bigger payment than one can afford monthly. I find this practice unethical and know that I am not the only person this has happened to. It is curious that they can pull this information anytime, yet they wait until after the payment is made. Still with no foundation as to why and what they are looking for. I reached out to CITI customer service and after refusing to accept the referral to ask the Credit Reporting Company I requested a Supervisor. The Supervisor at that time was unable to offer any insight other than the standard factors that are looked at when granting initial credit. But this credit is established. I hope the CFPB is able to investigate and offer insight as to why CITI and other credit cards ( XXXX ) are able to manipulate your balances without direct cause or reason, ultimately causing undue financial hardships on the card holder when you have remained in GOOD standing. Thank You!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98203
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: I made a purchase on a website for bikes on XX/XX/XXXX for {$210.00} with my Citi credit card. When I received the order confirmation email, something looked wrong with the links displayed. After looking into it, I noticed the email and the site I made the transaction on were fraudulent and were actually scams. Once I noticed this, I made a fraud dispute the same day. About a month later, Citi asked me for details since the seller was saying I made the purchase. I did not dispute that but followed up with evidence that I did not know I was being scammed and will in fact, never receive the products I " purchased ''. The site is not even available anymore as it has likely been taken down. Just today, XX/XX/XXXX I received a note from Citi saying they decided there was no fraud and my initial chargeback was reversed. I am not expected to pay that {$210.00} as it sits on my account. I called and explained to someone in hopes of a simple resolution and they said because I reported it as fraud first, there is nothing they can do now. If I would not have reported it as fraud, they might be able to help. This makes no sense to me. Please help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 435XX
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 lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I contacted Citibank because of fraud charges by XXXX XXXX and ask them to stop the transaction before money is taken out. After a week of calling for an update they were unable to provide an update and the money was taken out. I provided them with the information requested including the Case No of the fraud report at XXXX XXXX. I have not received any satisfactory resolution after XXXX months of trying. Please help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63108
Submitted Via: Web
Date Sent: 2023-11-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-15
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/2023 a transaction on my debit card was carried out without my knowledge and authorization, a purchase online on the amount of {$1800.00} was approved by my bank, in favor of an establishment name XXXX XXXX XXXX located on the country XXXX in the city of XXXX XXXX. At the time of this transaction, according to the bank statement XXXX i was boarding my flight to come back to the United States after few days in XXXX XXXX The last time I used the debit card in this city was few before ( at XXXX ) in a mall, after that I believe my debit card was clone and later this transaction was done and approved by the bank, without any security. The next day after realized the issue and inconvenient ( my account was negative ), I called the bank and opened a dispute case, it was denied the next day - saying after investigation I was responsible for the charge in question.I appealed immediately requesting a credit bank on my account until they continuing with the investigation, it's been more than a month and I haven't got any solution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33193
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: Unexpected or other fees
Subissue:
Consumer Complaint: I just received a letter from The Federal Reserve Bank XXXX New York as per attached, requesting that I pay {$6100.00} dollars in order to update my ACH validator since my account at Citibank has been dormant for a long time. I have also attached XXXX Letters of XXXX I received from Citibank, guaranteeing me that the funds would be transferred without further expense, but the bank is not honoring their written guarantee. My attorney has met with Citibank 's XXXX department and stated that they deduct the Federal Reserve charges from the funds they are holding on my behalf or advance a loan to me for the charges, using my funds as collateral. Our next step will be to file a lawsuit against Citibank based on their nonperformance on the attached Letters of XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 922XX
Submitted Via: Web
Date Sent: 2023-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: I paid in full for a balance transfer on XX/XX/XXXX, then on XX/XX/XXXX I requested a new balance transfer. On XX/XX/XXXX the system made an autopayment, that I never setup, for the full amount. They agreed to reverse the payment, but instead of reversing the payment to the new balance transfer, they reversed the one for the old one. It started charging interest. Somebody tried to resolve the issue by transferring the balance but it did not work, I'm still being charged interest and no one at Citi is idoneous enough to fix the issue. The new balance transfer is supposed to start charging interest only in XXXX of 2024. I have invested at least 20 hours on the phone with Citibank, the call center seems to be in XXXX, and even when I'm transferred to a call center in the US they promise to take 3 to 5 days and it never gets resolved. It's now been 5 months of this issue and no one seems to care. No one cares, no one escalates. They are still pending refunding 2 months of interest. They do what they want when they feel like it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33060
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
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 booked a trip on XX/XX/ for the amount of {$5200.00} to XXXX. The trip was scheduled for XXXX. It was cancelled by the travel company, XXXX XXXX, on XX/XX/XXXX via email. They were rescheduling the trip for XXXX for those who could go on those dates. If you could not they we fully refund your money as per their contract within 90 days. I requested a full refund. Their letters and emails said my refund would come XX/XX/XXXX which i did not. I contacted my credit card company and after uploading all of the documents they requested they responded that it was past some sixty day rule without evaluating my dispute. Thank you in advance for your help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11731
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
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: XX/XX/2023 - Purchased XXXX silver U.S. half dollar silver coins online from a vendor in XXXX XXXX, paying by Citicard XXXX in the amount of {$160.00}. When received, the items were discovered to be counterfeit. I verified this with a local coin and stamp dealer and got pictures of the counterfeit coins alonside a genuine half dollar coin. The counterfeits weren't even good copies. I contacted the vendor who offered me a partial refund, which I refused, as the merchandise was fraudulent. I contacted Citicard, who temporarily credited the funds back to my account. However, I received a letter from Citicard asking for documentation of the fraud, which I sent via U.S. mail. I then received another letter from Citicard indicating that my documentation had been lost or damaged in the mail, and thus the charge for the counterfeit goods would be reinstated to my Citicard. This reinstatment occured on XX/XX/2023, in the amount of {$160.00}. I called Citicard and was given an email address to resend the documentation, which I did. When I followed up with Citicard about one month ago, I was told that the dispute had been referred to the Citicard investigation team. I was told to recontact Citicare in two week 's time which I did two weeks ago. I was told to recontact them in two weeks, which I did today. I was again given the runaround, saying that the dispute would be referred to the investigation team. I believe sufficient time ( over one month ) has elapsed for this dispute to have been resolved. I hereby authorize the CFPB to contact Citicard on my behalf in reference to this dispute and for Citicard to supply all statements for the months of XXXX through XXXX, 2023, pursuant to this dispute to CFPB.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 14226
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A