Date Received: 2023-11-14
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: XX/XX/XXXX I received a statement from XXXX XXXX chargea amounting to {$430.00}. I was surprised because I didnt make any purchases, I didnt allow anyone to use the card. I called homedepot and dispute the charges. They responded that they will investigate. XX/XX/XXXX, decision says there is no unauthorized use and iam still responsible for the charges.How did they get that decision? I told them first hand that I didnt make any purchases or charges.? Credit scores went down XXXX plus points with this and statement arrived yesterday plus interest. Im very stressed
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98032
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: 2023-11-15
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: between XX/XX/XXXX and XX/XX/XXXX on XXXX separate charges a total of {$17000.00} was STOLEN right off my card- by making balance transfers. I have demanded an explanation of how this could happen as this card was ONLY in my name. I have received no response. I have repeatedly demanded XXXX the IP addresses of all of the withdrawals XXXX. Where my money was transferred to- account details XXXX. Exact Dates and amounts of when the money was moved I am getting NO answers. Citigroup has NO sense of urgency. Please help asap. Thank you so much XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: XXXXX
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: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Filed FTC complaint and notified this company that I noticed an unauthorized inquiry on my credit report and requested this company to investigate and block this inquiry because I did not consent to my credit being checked by this company to which this company has failed to do. Its been more then 4 days to which is the timeframe under the FCRA.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 196XX
Submitted Via: Web
Date Sent: 2023-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-15
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: CitiBank randomly lowered my credit limit, within a few dollars of my current balance, right before my bill was due to generate, which then caused me to be over my credit limit. My credit score took a big hit ( down over XXXX points ) because of the credit limit decrease from {$6400.00} with a balance of {$2700.00} decreased credit limit to {$2700.00}. How is this at all ethical or legal?! I have paid my bill regularly, no missed payments and always make at least the minimum payment due. I can verify/prove that my household income is over {$86000.00} a year, and that while my credit card usage increased on other cards it is due to getting my house ready to sell to purchase a new home which now is at risk due to my credit score dropping over XXXX points!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37042
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: 2023-11-14
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: On XX/XX/2023, I asked XXXX for a car insurance quote using their online system. Their quote was extraordinarily highover {$4000.00}, so I secured a policy from XXXX the same night. After receiving my XXXX statement from Citibank, I immediately disputed the charge and reported that I received nothing from XXXX, and why on earth would I carry two XXXX insurance policies? Citibank asked me to go to XXXX as part of the process. I did, but XXXX had no evidence of a policy or even evidence of the quote. I reported this back to Citibank, but Citibank reports it has no records of that, and it has closed the dispute. I just reopened the dispute once more, but I have no confidence in Citibank, and I am livid that Citibank referenced a credit report in the denial letter. So, how do I prove a negative? How do I prove that I did not receive an auto policy from XXXX? Citibank is not acting like my bank. Their failure to thoroughly investigate, and my torturous time on the phone has rendered nothing. There must be Fair Credit Reporting Act and Electronic Funds Transfer Act issues here. Please publish. Please help, because all I can think of is to send Citibank my XXXX XXXX XXXX XXXX, which really is circumstantial evidence. Its attached below. Thanks for your time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 178XX
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: Getting a credit card
Subissue: Application denied
Consumer Complaint: Weekly, I receive letters for balance transfers from Citibank. This includes a balance transfer letter received for {$7900.00}. I received a letter from Citi stating they are unable to approve my application based on information received from XXXX. I attempted to make contact with both companies and all I received were automated responses. I have worked hard to maintain my XXXX plus credit score. I have not received information that was used to deny my application. These companies are required to provide negative information that was used to deny my application for a balance transfer. For many years I have not been declined for any kind of card. This is a follow-up to XXXX - XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Earlier this year, Citibank, without any notice or explanation, closed my long-standing checking and savings account. Around the same time, Citibank also closed my mother 's checking and savings account. Two ( or so ) months later, Citibank also closed my Costco credit card, issued by Citibank. After they closed the checking and savings account, I called ( I learned only when one of my bills were not paid, and I incurred fees because of that ) Citibank wondering why my payment hadn't gone thru ( I had XXXX XXXX XXXX XXXX XXXX in the saving account ). I was told my accounts are closed. I asked for reasons, they gave me none, and told me to go to a Citibank branch. I went to the one in XXXX, VA, spoke with the manager, and she gave no reasons. Soon after, they sent me a letter informing what I already had experienced : that my accounts are closed, and again, the letter gave no reasons why the account were closed. Both my mom and I have had impeccable credit record. I thought this was just bad business decision by the bank and didn't believe there was anything I could have done to restore my accounts. But I saw recently that CFPB had settled a case with Citibank and penalized the bank for discriminating against XXXX Americans. I am an XXXX-American, and so is my mom. Her account was opened in XXXX, CA area ( and if I recall correctly, so was mine ). Both our last names end in " XXXX. '' I believe my mom and I were discriminated against because of our ethnicity.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22204
Submitted Via: Web
Date Sent: 2023-11-14
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: Other problem
Consumer Complaint: I received a text message from Citibank " Free Msg Citi Fraud Dept : Card XXXX. We need to speak to you about your acct. Please call XXXX. Reply STOP to Opt-Out ''. This message came from the same number Citi has used to text me before, so I called. The first time I called, the representative verified my information and asked to call me back in 1-2 minutes. They called me back from a random number from Tennessee not associated with Citibank. I was unable to verify that number was from Citibank so I refused to continue. The second time I called the XXXX number, the representative asked me to tell them a code that was texted to me. The text read " Citi ID Code : XXXX XXXX XXXX XXXX XXXX XXXX We'll NEVER call or text for this code. ". As the representative had called to ask for the code, I refused the code and refused to continue the call. Then, I called the number on the back of my card, resolved the fraud alert, and the representative confirmed that both of my prior calls were indeed to a valid Citibank line. I asked to escalate to a supervisor, as providing account details to a number not associated with Citibank directly contradicts their anti-fraud advice. Additionally, a Citi representative asking for a security code in a tex that clearly states they will NEVER call for the code directly contradicts their anti-fraud advice. The representative claimed to have escalated the case, but I was given no tracking number to ensure that the representatives prior were indeed acting in accordance to Citi policy or if I was a victim of fraud in some other way. I am concerned that Citi is failing to adequately control and monitor their anti-fraud procedures and the way in which those procedures are carried out by their support team. This results in me as a customer taking unnecessary risks with my sensitive account information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60647
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Late last year, Citibank said they will freeze my accounts if I do not provide certain information from my wife. My wife went to a local branch and provided the information requested except for tax returns. This year I received two or three calls requesting said information, which was already provide. About two or three weeks ago, they froze my accounts. I was not able to pay my bills. After about five to seven days, I was able to unfreeze my accounts. Then two days ago, Citibank called again and requested the exact same information, saying my account will be frozen if my wife does not comply. My wife today, XX/XX/XXXX went back to the local branch and again gave them the information. Citibank said from the beginning of this ordeal that the government instituted a new policy regarding accounts. I and my wife have had this account with Citibank since XXXX. I do not understand why Citibank froze my account, which I have had for over 50 years.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10552
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Called XX/XX/23, was advised to pay {$230.00} to bring account to current, then transferred to a supervisor who confirmed the amount. I advised that I was requesting for fee 's to be waived but was refused then the rep told me that the account appears to be set to close regardless of the payment. She was not able to confirm so they transferred me to an account manager who happens to be the collections department who wasn't able to figure out if my account was going to close or not with the payment but then the payment was {$230.00} not {$230.00} as first advised. After the last person checked it was discovered that citibank was indeed closing the account in XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 18104
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A