Date Received: 2023-10-31
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 {$35000.00} was charged on my Home Depot / Citi Bank credit card at the Home Depot store in XXXX XXXX XXXX. I live in XXXX XXXX and shop in the XXXX store. It looks like washing machine and some sort of straps were purchased. I did not make nor have any knowledge of this purchase. I called their fraud department and started a fraud investigation. About a month later they sent me a letter stating that I made the purchase and had to pay. No explanation! I called again and they sent me to their security department. They asked me a few questions and stated that the investigation could take up to 90 days. On XXXX XXXX I received the same letter stating that their investigation shows that I made the purchase and had to pay. Again no explanation! I have not called them again because the people I speek with do not help. I asked them to block my card and to not send me another one. They sent me another anyway and somebody tried to use that one. Any help you could provide will greatly appreciated. Thank You
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 132XX
Submitted Via: Web
Date Sent: 2023-10-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-31
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: I already filed a complaint ( complaint ID XXXX ), and you closed it after the company replied, without investigating their false claims. It is unacceptable to take any statements from institutions as unreliable and deceptive as banks at face value without a thorough investigation. Citibank deceived my when I signed up for this credit card, and I would like this situation rectified. I'm totally fine paying my established minimum payments of {$29.00} a month, but they wont be able to get any money from me if they keep raising the interest and subsequent monthly payments
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 226XX
Submitted Via: Web
Date Sent: 2023-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-31
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: i am victim of identity theft with XXXX XXXX breach, i have filled out forms with FBI XXXX and I have included those documents to support I have to clear out all of these inquiries with these companies these inquiries are unauthorized and I demand them to be deleted and erased ASAP as they are violation unauthorized and unlawful violation to consumer rights
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92374
Submitted Via: Web
Date Sent: 2023-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-31
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 had to pick this option since my issue is not listed here. I used to have a credit card with Citicards CBNA which I closed on XX/XX/2021. The card was opened on XX/XX/2021. I desperately need the statements for the month of XXXX and XX/XX/2021 as a proof for NY XXXX XXXX payment. Failure to do so is causing me a repayment of {$1500.00} which I have already paid using the Citi Bank credit card. It's been XXXX weeks I have been trying to retrieve my statements which is a common procedure with financial companies even if the accounts are closed. The companies are suppose to keep the data for some years to avoid this type of situations. I have provided my social security number, name, address, XXXX, phone number but they keep asking me for the Credit card account number. How am I supposed to know the number of a card that I closed if the issuer doesn't even know. My credit report also shows the detail that I used to have the credit card with Citi.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11427
Submitted Via: Web
Date Sent: 2023-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-01
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: I recently finished the basement of my house and published it on XXXX marketplace for rent. Many people approached me including a girl with XXXX ID XXXX XXXX ( the scammer ), introduced herself as a health worker who is currently residing in XXXX and will be moving to Virginia in XX/XX/2023 for a new contract. After communicating with her, she agreed to rent my basement for {$1600.00} per month. She told me that she will send me a check for {$2900.00} so I can take one month rent as advance and transfer the remaining to the moving company. On XXXX XXXX, 2023, after receiving the check in the email, I deposited it into my bank account from my cell phone using my Citibank application. I then called bank and asked the banker that is it possible that if I deposit a check into my account and it bounces back? And the banker responded to me that no, once the check is deposited into your account, it does not bounce back. After depositing the check for {$2900.00}, only {$540.00} was immediately available in my account. The scammer requested me to send the funds that are available in my account to her moving company. In a good intention, I said okay and wrote her a check for {$540.00}. She urged me to send the money using XXXX as she explained that the moving company is also in XXXX and majority of the banks dont accept checks there. I have the chat records that I already submitted to the bank but can submit again if required. I send her the {$540.00} using XXXX using the email address she provided. On the next day, XXXX XXXX, {$220.00} of the check amount was available in my account and I sent her moving company {$250.00} using XXXX again. On the XXXX day, XXXX XX/XX/2023, {$700.00} of check was available and I transferred it through Wire transfer as XXXX didnt work anymore maybe because there is a daily limit on XXXX XXXX. In the meantime, I got suspicious about the process as she was consistentlhy asking me to send the money only using XXXX and since she never answered my phone calls. I called the company that sent me the check ( XXXX XXXX XXXX ) and asked them if they know XXXX XXXX and if they issued me this check. The company denied, saying that it is a scam and we do not know any girl with this name. I immediately called the bank to stop the wire transfer and I was provided with a case number for follow up. I also called the police who then showed up at my house and I explained all this to the police deputy too. I also called the bank on the third day and asked them again about the funds, the bank representative told me that the check was verified thats why the funds are in my account. On the other hand, the girl started threatening me on XXXX XXXX and she introduced someone as her management representative who texted me on my number. He also started threatening me and was trying to force me to send the rest of the money ( {$1400.00} ). Another person using another number introduced himself as XXXX from New Mexico Police who texted me and asked why I am not sending the money that belonged to XXXX XXXX and started threatening me that they will put me in jail etc. I showed all the messages to the police deputy and by this time, all the funds of the check were available in my account. The police deputy asked me if I have lost my money? I said no, I have not paid them from my money, but I am worried that this money might be used in other illegal ways that I dont want to become a part of it. The police deputy then asked me to send them their money back. He said, it is a felony to keep their money in my account, this conversation occurred around XXXX in the evening. After being taken under great pressure, I sent them the remaining {$1400.00} that evening using a wire transfer and I slept in peace. When I woke up in the next morning, my account was in negative {$2800.00}. I called the bank and filed a claim about the {$1400.00} too after making a claim for the {$700.00} and the {$740.00} using XXXX. The bank partially paid {$100.00} for the {$250.00} case but deniad all my other claims. I appealed against the bank decision as my petition was and is more about the process of how the check was not verified in four days. In fact I was the one calling the company to verify the check and I was the one calling police and bank to stop the transactions. I seek your help in this regard. I have all the chat history with the numbers and addresses the scammers used. If the bank would verify the check for me on the very first day, I would never lose any money, but I am not a professional person with banking background to know that how banks processes checks. I sent them money because the bank verified the check and confirmed me in the phone multiple times that the once the check is deposited, the scammers wont be able to take out the check from my account and as a result the money is deposited in my bank account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22407
Submitted Via: Web
Date Sent: 2023-11-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-30
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: SOmeone attempted to open a card in my name. Want to report fraud
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2023-11-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-30
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXX from XXXX XXXX XXXX XXXX XX/XX/2023. I contacted the company at XXXX, as listed on my report and requested the removal of the unauthorized inquiry and was given a number to contact for XXXX. XXXX instructed me to complete the report here.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46219
Submitted Via: Web
Date Sent: 2023-11-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-30
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: We had over {$49000.00} taken from our money market account at the XXXX XXXX in XX/XX/2022. The XXXX XXXX retrieved and returned {$37000.00}. The remaining {$11000.00} was transferred to Citibank and they have verified the identity theft claim but have failed to return the money. We have made numerous attempts with both banks to have our funds returned with no success. Hold harmless forms have been sent by XXXX XXXX and received by Citibank. XXXX is also Involved in the case.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43055
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 your account
Subissue: Company closed your account
Consumer Complaint: I sent my first registered mail to Citi Cards XXXX XXXX XXXX XXXX XXXX XX/XX/23 delivered XX/XX/23 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/23 XXXX XX/XX/23 XXXX pm XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX c/o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/23 delivered XX/XX/23 XXXX am when I followed up with phone call they were unable to locate the letter and XXXX XXXX XXXX ( Citibank 's indentured bank in charge of discharging debt ) RF XXXX XXXX XXXX XX/XX/23 delivered XX/XX/23 XXXX am XXXX XXXX XXXX XXXX XXXX XX/XX/23 delivered XX/XX/23 XXXX am XXXX XXXX XXXX XXXX XXXX XX/XX/23 delivered XX/XX/23 XXXX am follow up phone calls showed that the letters were not in system, and I was later informed that they were sent to Citibank in XXXX XXXX I received a letter XX/XX/23 telling me that my account was delinquent, and they were no longer going to contact me due to my letter. They didn't answer any of my questions. I will enclose all correspondence I sent them. I have a right to have my questions answered. Is my debt valid, or is it being XXXX by The XXXX XXXX via XXXX A ( I have since filed a XXXX A myself online with the IRS and it was accepted ). Is my contract being traded on the Primary or Government market, and then on the secondary or XXXX XXXX? Is my lawful percentage of this consumer transaction 80 %, and they are entitled to a 20 % servicing fee. As per the IRS code income is defined as stocks and property. Does my signature with my name and social security number give them access to the Treasury window to get paid? Is the statement ( nowhere does it state bill ) they are sending me, actually of a dividend check ( bottom part ) and bond ( top part ) of a XXXX that was created from my credit card account in the Treasury 's XXXX XXXX XXXX? Am I supposed to stamp it according to 31 CFR 328.5 and 328.6, and endorse the back of dividend check? What does it mean to write over my security rights? Does this deprive me of lawful income and the IRS of lawful taxes? Did they furnish me with all the relevant and necessary information to make an intelligent and informed decision concerning this matter. I understand that I gave them implied consent by participating in their automatic payment programs, and giving them access to my bank accounts. Having said this, I have questions now that need to be answered, after all a contract is only valid if both parties are properly informed, and both parties sign the contract. I have since then rewritten my contractual agreement, and sent it to their legal department via certified mail. There also is a mandatory arbitration clause in Citigroup ( Citibank 's parent company ), nobody has offered me arbitration. This is also potential security fraud and tax envision, and falls under FINRA regulations, and needs to be heard there. Citibank is considered a foreign liability company with its headquarters in XXXX and is governed by the UCC. They kept charging me interest and late fees even though we entered a billing error, and took adversed action against me by suing me and closing my credit card which is a violation according to 15 USC 1666 a and 12 CFR 1002.2, UCC 3-603 and 3-604 ( They never returned my stamped and endorsed financial instrument which is sent registered mail ). As a federal protected consumer I have a right to ask these questions, and have them answered in an honest and respectful manner. All my purchases were for home and personal use 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: 2023-10-30
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: On XX/XX/2023, I handed to Citigold Customer Service, Citibank, at XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX the proceeds of an XXXX XXXX matured IRA CD via XXXX Official check in the amount of {$83000.00}, with instructions to rollover the same into a Citibank IRA for one year. On XX/XX/2023, I completed and signed the necessary forms and presented the same with my ID to the officer who advised that an IRA account could not be opened UNTIL the rollover application was forwarded to the retirement division and therefore the proceeds were temporarily deposited into my checking account, with the understanding that the funds would be transferred into said rollover IRA within approximately one week. That never happened and approximately two weeks thereafter I was advised that it was necessary to complete once again the rollover application and again provide my ID, which I did at that time. In addition I was misinformed that I could not withdraw any funds from my new IRA without incurring a penalty prior to maturity of my new IRA CD and that any anticipated 2023 distribution funds should be left in my checking account until the CD matures. Based on this misinformation, $ XXXX was designated to remain in my checking account. I am a retired XXXX citizen. Thereafter, each time I communicated with Citibank, I was assured by both XXXX XXXX, the officer at the XXXX XXXX branch ( who stated Citibank had full control via its retirement division ) and he assured me my rollover was being processed and the issue date of said rollover would be the date on which I handed over my proceeds and completed the rollover application ( i.e., XX/XX/2023 ). During each conversation with the XXXX XXXX branch and its retirement division ( where no person would divulge their full name or ID information and the first names kept changing ) during the months of XXXX and XXXXXXXX XXXX I repeated the XXXX limitation required to rollover said funds and was repeatedly assured the rollover date would be XX/XX/2023. Finally, I received a confirmation that the funds, less {$6000.00}, had been rolled over into a retirement account on XX/XX/2023 ( NOT THE EFFECTIVE DATE OF XX/XX/XXXX LAST AS PROMISED as advised by Citibank AND ONE WEEK PAST EXPIRATION OF THE LIMITED 60-DAY ROLLOVER PERIOD ( i.E. XX/XX/2023 ). I have just received an XXXX Statement issued and covering the period through XX/XX/XXXX last, evidencing the full amount of {$83000.00} is now treated as taxable income, as a direct result of Citibank 's failure to roll over these IRA funds on XX/XX/2023 ( which were handed over to Citibank, NA XXXX XXXX branch on XX/XX/XXXX last ). Needless to say, my financial security has been severely harmed and damaged by Citibank 's egregious acts and mishandling of this matter. Attached are copies of XXXX XXXX check dated XX/XX/XXXX last, my Citibank rollover application dated XX/XX/XXXX last, and XX/XX/XXXX XXXX Statement.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 114XX
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A