Date Received: 2023-11-01
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Citibank frozen my checking account, investment account and is refusing to unfreeze it. We call several times different departments for 2 months without any solution or answer. We can not withdraw, move the money or operate in the financial market. Citibank is limiting access to my money and account. They can't even give an estimate for when they would be able to fix it
Company Response:
State: FL
Zip: 32832
Submitted Via: Web
Date Sent: 2023-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-01
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I have tried and been denied the use of this XXXX XXXX Citi Bank XXXX XXXX card on several occassions since only opening this card in spring of XXXX. Just prior to traveling to the XXXX XXXX in XXXX XXXX I called them to let them know I'd be traveling, when and where I'd be traveling, and was told that unless I could give them the zip codes of where I would be traveling and where I might be using the card, they would lock my card and not allow me to use it. This even though I told them where I was traveling to ( what states ), what geographic areas I would be in while traveling, and when I would be traveling there. Other than the initial transactions, used at a Macy 's store, other purchases have been blocked and my card has been blocked from any use. I tried using the card in XX/XX/ to purchase concert tickets online, only for that transaction to be declined. I attempted again today, XX/XX/, to purchase concert tickets once again, only to be met with the same results. I have called the XXXX XXXX on the card, now for the XXXX time, only to be told the card is locked and a letter has been sent that will take XXXX business days to receive. While the letter is being sent, the card will be locked and not able to be used. They say a previous letter was also sent ( although they can not tell me when the letter was sent nor the context of the letter ). I verified my personal info with them several times and yet they refuse to tell me why the card was locked to begin with and what it will take to unlock the card. I provided them with my name, address, and even the last four of my social security number. My call was even escalated to a supervisor only to be told that escalating the call would do me no good since they can't tell me anything. At this point, the card is useless, and the people servicing the card are of no help whatsoever. They can't even tell me what it takes to pay the card off with the result of cancelling the card. I either want the access to use the card as I have requested and at my discrestion or I want the card cancelled so I can pay the balance off and move on from this joke of a credit card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 986XX
Submitted Via: Web
Date Sent: 2023-11-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-01
Issue: Fraud or scam
Subissue:
Consumer Complaint: We have sent XXXX wire transfers from XXXX XXXX to Citi bank as below as an investment to a forex broker and discovered that it is all fraud and scammers account. We worked with XXXX XXXX to communicate with XXXXXXXX XXXX to reimburse our funds as they are responsible for not identifying the fraud accounts but they were not responding. So I want to complain on Citi bank for not responding and for not reimbursing my funds. Date and amount of transfer was XX/XX/2023 {$10000.00}
Company Response:
State: AZ
Zip: 85259
Submitted Via: Web
Date Sent: 2023-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-01
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: there were checks from my account for services never rendered by a contractor. i did write the check and tried to stop the payments by asking the bank for assistance. the bank has not helped me at this point and I need assistance. Check number XXXX, XXXX, XXXX, XXXX reference number XXXX I also have a complaint with the attorney general on this company and that refernce number is XXXX XXXX XXXX XXXXXXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60439
Submitted Via: Web
Date Sent: 2023-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-01
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: At XXXX XXXX XXXX on XX/XX/, I received an e-mail alerting me to a purchase on my Citibank XXXX XXXX XXXX card in the amount of {$10.00} including taxes. The purchase of XXXX gallons of regular unleaded gasoline was made at a XXXX XXXX located at XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. At the time I received the e-mail, I was sitting in my office at home in possession of my credit card. My wife does not drive nor have a card for this account, nor does anyone else. I suspect my credit card information may have been skimmed from a gasoline pump during my last fill up at the XXXX XXXX located at XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX on XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-29
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On Wednesday, XX/XX/XXXX, at approximately XXXX XXXX XXXX, I received a mobile phone call from XXXX. The caller identified himself as " XXXX, a Citibank employee ''. He alerted me that there was suspicious activity occurring on my Checking account. After reviewing/confirming the transactions, I was alarmed, and he assured me that he would help me stop and reverse these items. Unbeknownst to me, this caller was an imposter and had already hacked into my Saving account and transferred {$3600.00} into my checking account, this was not authorized. Savings account Number is This fraudulent caller was skillful and professional in keeping me calm, insuring he would help me. In order to do so, he said we would use XXXX to transfer the funds to a phone number he provided, which was assigned to XXXX XXXX ; I do not know this person. I only know of this name when I saw it in the text confirmation. Additionally, the transfer occurred in three different transactions all to the same person. The transactions were for {$25.00} ; {$2400.00} and {$2500.00}. Once all funds were transferred out, the call ended, and I had less than {$5.00} in my checking account. As soon as the call ended, I immediately call the real Citibank Customer Service Number at XXXX, the same number the caller called from. The frontline Citibank employee started an investigation and within days I received a letter in the mail that my request for the funds to be returned was denied. Since then, I have called the only number I have for Citibank ( XXXX ) and I haven't been able to get beyond the frontline customer service representatives. These Customer Service calls seem to be outsourced to a foreign country in which the language is thick and my understanding is uncertain. Additionally, the frontline customer service representatives seem to be reading from a written script, in which they ask only the questions/statements on this script and not providing any intuition or common thought processing. Each time I would call, these frontline representatives did not present compassion or comprehension to what had occurred to me. In the last 12 months I have called the Citibank Customer Service Number to get help or clarification as to why my investigation keeps getting denied. Each time I called, I must be triaged by the same foreign country service representatives, each reading from the same script, neither asking follow-up questions. Never, not once, was I able to talk to a supervisor, manager, or person of seniority who had the authority to provide greater insight or investigate further. Each time I called, required me :45 - :90 minutes ; time entering selections on the phone, triage, on-hold while the foreigner looked up my account information, but mostly me trying to explain what happened. To help substantiate my lose, I filed a Crime Report with the XXXX XXXX XXXX XXXX Police Department. I have also, faxed my account statements, crime report, and printout of the fraudulent transactions to Citibank and my case was stilled denied. I have visited the local Citibank branch to ask for help but they claim that they can NOT help me because they too must call the same toll-free number, XXXX to be triaged like me. With the lack of cooperation with my numerous calls to Citibank, I have contacted the Local XXXX station ( XXXX XXXX ) in XXXX and have an upcoming interview with the segment, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX ) is a Consumer Affairs Reporter, and the interview is intended to bring awareness to the length of fraud consumers are encountering from hackers. Finally, and interestingly, shortly after my account was hacked into and I lost all but {$5.00}, I was no longer able to use XXXX to send funds to friend/family, via XXXX. When I called the Customer Service number, XXXX, the representative says, the vendor is working on it and it was supposed to be done in a few days. This is telling to me that Citibank knows there is a problem with XXXX and its ability to be infiltrated, yet Citibank wont protect their account holder- for which I have been one since XXXX! Recently, I was listening to a XXXX XXXX XXXX ( XXXX ) story on Consumer Financial Protection Bureau and I thought to myself, that this is my last resort, I am pleading to your agency to investigate and probe into why Citibank would partner with XXXX and NOT support their customers who are using this application.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 601XX
Submitted Via: Web
Date Sent: 2023-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-29
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I sent my first registered letters back in XXXX XX/XX/23 XXXX Bank delivered XX/XX/23 XXXX am XXXX XXXX XXXX XXXX XX/XX/23 XXXX Bank delivered XX/XX/23 XXXX am XXXX XXXX XXXX XXXX XX/XX/23 Citi Cards delivered XX/XX/23 XXXX am XXXX XXXX XXXX XXXX XX/XX/23 Citibank NA delivered XX/XX/23 XXXX pm XXXX XXXX XXXX XXXX XX/XX/23 Bank XXXX New York XXXX XX/XX/23 XXXX am XXXX XXXX XXXX I asked Citibank if they were indeed discharging my debt every year via XXXX A ( current debts ), or XXXX C ( debts older than 3 years. I asked if that was indeed the responsibility of their Indentured bank The XXXX XXXX Bank, and their XXXX Bank XXXX Bank XXXX New York XXXX. I asked if my signature, name and Social Security XXXX gave them access to the Treasury window to get paid. I asked if me signing over my security interest rights to them and me giving them they right to transfer /sell this financial security actually prevents me to properly discharge my debt, and paying lawful taxes according to IRS XXXX we are only supposed to pay taxes on stocks and property. I asked If I unknowingly agreed to repay for charges that already have been XXXX, because everything is backed by the Full Faith and Credit of the United States XXXX XXXX XXXX. I asked to please provide to me in writing if they are selling and trading my collateral certificate of indebtedness on the primary or government market, and then on the secondary or stock market. I asked them if the statement they were sending me every month is indeed a statement of a T-Bill with XXXX bottom part my dividend check ( money owed to me ), and the top part a bond to be traded on the markets. I sent them stamped ( XXXX and XXXX ) as payment XXXX times. I have not heard back from XXXX Bank XXXX Bank XXXX XXXX, and Citibank just told me that I have signed the contract, I have since then revised the contract ( 80 % my principal, and 20 % their servicing fee ). I sent a notarized copy to their XXXX Department via certified mail. In short I asked them to validate a lawful debt for me. I might have given them implied consent by paying them via automatic payments, but it was definitely not informed consent. I never got any kind of mail from them educating me about rights and the different ways to pay this statement. Since then they have closed my accounts, and are now suing me despite the fact that they have a mandatory arbitration clause. This is potential securities fraud and tax evasion. Given the fact that they are considered a foreign liability company with their headquarters in Delaware, they fall under the XXXX rules and need to be looked at by XXXX. They also took adversed action against me by closing my account, suing me and reporting me to credit agencies ( XXXX XXXX XXXX a ), and violated my open-ended credit plan XXXX CFR XXXX by closing my credit cards. They also violated XXXX XXXX Tender of payment I sent them a stamped ( XXXX XXXX XXXX which was never returned to me ), and UCC XXXX Discharge by XXXX. I as a federal protected consumer have a right to ask these questions. All my purchases were for home and personal purposes only.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 077XX
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-29
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I am writing regarding the recent notice I received from my credit card company, CITI, requiring me to agree to receive statements and legal notices electronically in order to maintain digital access to my account. I believe this policy may be illegal for the following reasons : CITI 's policy requiring consent to paperless statements or else face denial of access to my account information appears to contradict consumer protections under ESIGN, TILA, and the FCBA. I urge you to look into this matter to ensure companies are not unlawfully coercing consumers into electronic contracts. Please let me know if I can provide any additional information. Thank you for your time and attention.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44004
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-30
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: I noticed on my credit report alerts from chase that someone opened multiple credit cards under my name and with my personal information. In XXXX i started receiving these " alerts about past due balance '', " it looks like your using your credit '' and " you credit card balance went up '' which was really weird. My credit score went from XXXX to XXXX in XXXX to XXXX weeks. My chase credit report shows the following : XXXX bank card balance shows {$10000.00} with credit limit of {$12000.00}. Authorized user since XX/XX/23 XXXX XXXX XXXX card balance shows {$16.00} balance and credit limit shows {$3000.00}. Authorized user as of XX/XX/23 XXXX card shows credit balance of {$8100.00} with credit limit {$10000.00}. CBNA card shows credit balance of {$1100.00}. XXXX XXXX shows balance {$240.00} oppened on XX/XX/23.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92880
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-30
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/2023 I deposited a client 's ck ( I'm a XXXX ). Same thing I've done for XXXX yrs & NEVER had a problem. On XX/XX/XXXX my bank mgr told me the Fraud Dept was opening an investigation. I got the client 's XXXX of XXXX on a 3 way call ( twice ) but obviously did no good. I made numerous calls to the dept still w/ no explanation. Within a few weeks of the ck dep they closed my business acct. As I spoke w/ different people in the Fraud Dept I was told once a decision was made they won't override it. Sounds like an Autocracy to me. When they closed that acct because I owed the State of CA some taxes ( corporation is not good standing as a result ) & now I can not open another corporate bank acct anywhere ( obviously I was fine in my prior checking acct ). Then they turned to my personal checking acct. My acct got hacked in XXXX. The Fraud Dept gave me {$2500.00} to offset my loss but backed that out shortly afterwards thinking I had something to do with that hacking. Because this has been the worst yr of my career ( & relying on friends & family for survival ) I didn't have the {$2500.00} to repay the debt till last month. Now both accts have been closed ( business acct for 4.5 mos & personal acct for 3.5 mos & had to rely on prepaid debit cards. I have another 30-60 days according to the Bank Mgr . I have to pay over {$100.00} to cash my Social Security cks.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92026
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A