Date Received: 2023-11-05
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I tried to open accounts at the following banks, Citibank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX but was refused by all. I was a victim of fraud myself because of a bad business partner I had who lived in XXXX. He sent me several thousands of dollars worth of checks and asked me to deposit them indifferent US banks. I obliged his request not knowing that they would all turn out to be bogus. He kept sending them and I kept trying to open bank accounts with them. I was in need of money and kept hoping one of them would turn out to be good. When I found out they were all bad I broke off my relationship with him. But the damage was done and I was classified as a fraud risk. I was actually a victim of his fraud.
Company Response:
State: CA
Zip: 92234
Submitted Via: Web
Date Sent: 2023-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-03
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: XXXX XXXX XXXX XXXX Servicers Not Performed after XXXX Months and No Documentation or Explanation... They Just Took My XXXX The Florida Bill Of Rights Clearly Requires Transparency : Summary of the Florida Patients Bill of Rights and Responsibilities Per Florida Statute 381.026, Florida law requires : -- -- -- -- -10. A patient has the right to receive, upon request, prior to treatment, a reasonable estimate of charges for medical care. 11. A patient has the right to receive a copy of a reasonably clear and understandable, itemized bill and, upon request, to have the charges explained. -- -- -- -- ---
Company Response:
State: FL
Zip: 33604
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-03
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I have had my Macy 's store card for several years now. Overall I have made payments on time. I may have been late 3-4 times but to cut my limit down without notice when I had to order a new card without warming is unprofessional. They did not reach out nor send notice. I went to make my monthly payment and noticed on this card the limit was cut. This is the second time this has happened. I notice that my counterparts have been late making payments in their accounts and have similar credit issues but their limits were not cut or reduced. When the limit is cut upon making payments this effects the interest rate as well as the utilization score for my overall credit. I don't appreciate the way my account has been handled and feel discrimated against as well as my civil rights violated. Treatment within credit cards should be the same across the board. Not based on where I live or other financial demographics when I am making timely payments not past a 30 day late period or even a past a 7 day period. I will provide card statements via email upon further communication should the company refuse to do so. Due to the secure nature I'd have log out to download the statements and upload. I am unable to do that as I submit this complaint currently. I've had issues with CitiBank before. When my Citi XXXX preferred secured card account expired the company gave me a {$200.00} credit card limit. I paid on time but when the card when up for expiration the company said I requested my account to be closed and I did not. When I spoke with an agent the company said I did not meet the criteria to renew my account. I never received notice prior to my account closing nor an email. I'll follow-up with another report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48141
Submitted Via: Web
Date Sent: 2023-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-03
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, Citibank reached out to me asking if I had made some recent purchase on my card. They were suspecting fraud. - I confirmed that some of the transactions were not made by me or anyone authorized on the account. - They closed the account, and generated a request for a new card. - Looking at my account later, I can see that SOME of the transactions identified were removed from my account. - There are currently two charges which were not removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$300.00} - I contacted Citi by chat on XX/XX/XXXX to understand why these were not credited. - After much time, I was told that they would not be able to help me, and gave me two phone numbers to call instead. - I finally got through on one of those numbers on XXXX XXXX - I was told that the investigation on these items is still underway, but they " would do what they could to expedite ''. - My new statement dropped on XXXX XXXX which will include these fraudulent charges. - Because I choose to use auto-pay, I will automatically pay these fraudulent charges when due. - I was told that there was nothing else which can be done.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30097
Submitted Via: Web
Date Sent: 2023-11-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-03
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Hi my name is XXXX XXXX XXXX XXXX my Citi checking account XXXX and my reference case XXXX, I need really your help to get back my money from the bank, I went to the branch office and they didnt offering me any ways to get my funds sooner before the closing of my account. I just need help to get my money back, they have all my funds and I really needs my money. Ill really appreciate any help with my case
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32839
Submitted Via: Web
Date Sent: 2023-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-03
Issue: Problem with a company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: They, Citibank ( " XXXX '' ) Sears Card Shop Your Way Mastercard, refuse to stop reporting me as late in payments, as of XX/XX/2023, when they broke our original payment agreement of XXXX payments @ {$300.00}. They consistently state they are not servicing the account, nor are they supplying false/defamatory/negative information about my payments to them that they are accusing me of being late with, as of XX/XX/2023. They have sold this account to 3 different 3rd party collectors. Those people say they do not report me to the credit reporting companies. Citibank says they're not reporting me either, yet they accuse me, verbally, of being late by going by their procedures to cancel a monthly payment in letters they sent me, and now have the audacity to turn around and report me as late. I never was notified prior to XXXX XXXX I was " late '' in a communication from their 3rd 3rd party collector, which I am going to pay off the remaining balance tomorrow, XXXX, XXXX ; in the amount of {$570.00}. Citi claims I never made an agreement w/them to make XXXX pymnts. @ $ XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-03
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: CITI bank can not do simple addition and even after a month they have not corrected their bank error of {$990.00}. XX/XX/XXXX, I noticed a deposit into my account that I did not recognize for the amount of {$990.00}. I called the bank to investigate what happened. Apparently, a XXXX XXXX deposited his social security check into my account. I rejected that deposit as it was not mine. The bank in turn debited my account twice for the {$990.00} that was deposited. I have called the bank over and over again, at least 15 times, to resolve this and to date they have not returned the money to my account. For that matter, the bank has filed collection processes on me in the amount of {$100.00} for the overdraft that the debit caused. At no time was I overdrawn. The fact is I should have over {$800.00} in my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 657XX
Submitted Via: Web
Date Sent: 2023-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-03
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: CitiBank Closed my account claiming it was per my request. I started with a secured card with Citibank in 2017. Paid the account successfully and was transferred to a credit card. I kept the account current to date. CitiBank closed my account saying that I requested the closure. When I asked for proof the company stated I didn't meet the criteria for their products when initially I signed up for services the company rendered. There was no email or mail communication stating that things had changed within the company criteria and I feel that I was discrimated against for my financial demographics although I kept this account current and up to date. I know several counterparts with Citi cards products and services and the company did not offer me anything prior to closing my account causing my credit score to be lowered.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48141
Submitted Via: Web
Date Sent: 2023-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-03
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/XXXX someone withdrew {$9500.00} from my checking account account at the teller window. I called Citi Bank to close & lock my accounts. I went into that same branch where the transaction occurred & asked how did this happen. The person did not have my ID so they did not identify themselves & the teller did not do their job to prevent loses. Called the Incident reporting unit to see how we can get this resolved. Its been months, Company is blaming me the customer for not safeguarding my account because the debit card pin is the way of identification so therefore as long as someone knows youre debit card pin they can withdraw without any consequences.Ive followed all the instructions & request from Citi bank & still have not received anything back just denial of my claims. This is unfair & their policies do not make them right. Never have I had this issue with any other bank
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90270
Submitted Via: Web
Date Sent: 2023-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-03
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: In XX/XX/2023 I paid off my account with Citi Card XXXX in the amount of {$220.00}. This was an electronic transfer from my XXXXXXXX XXXX XXXX. My XX/XX/XXXX statement showed no payment, so I paid it again, electronically. And called to report it. My XX/XX/2023 statement showed ( 2 ) credits. I used one credit on XX/XX/2023 and closed the account. In XXXX Citi Card debited my card stating they never received my XX/XX/XXXX payment. And debited the card. I spoke to the disputes department and sent a statement from my bank showing I paid it twice, this included bank accounts, tracking numbers, dates and amounts. This was sent certified mail XX/XX/2023 Track # XXXX XXXX to XXXX XXXX XXXX XXXX XXXX, MO XXXX. The disputes department received the info but can not find the payment dispite the fact my bank did charge me for the transaction. To date Ciri Card has been unable to locate my payment dispite providing them with everything they have requested. Now, when I call, they are asking for everything I have already sent AGAIN! They acknowledge receiving my info but cant locate where my payment went?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 40216
Submitted Via: Web
Date Sent: 2023-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A