Date Received: 2024-03-08
Issue: Fraud or scam
Subissue:
Consumer Complaint: This is a XXXX complaint. XXXX complaint was for XXXX and This is for Citibank. The total amount is {$36000.00}. I was involved in a scam where the company ( XXXX ) where funds was eventually transferred to claims that it is a trading platform for trading crypto currency. The money was transferred from Citi bank to XXXX and then from XXXX to XXXXXXXX XXXX XXXX. XXXX Intentionally gives wrong trade signals with excessive hedging and take away the funds pointing towards market changes. I still have there telephone number contacts at XXXX. I have approached Citi bank ( financial institution ) and have not received any response from them.
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: 2024-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-08
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I attempted to sign up for a high yield offer for my double cash credit card in the citi app. There is a technical error preventing me from accessing the reward I should have been able to receive. I contacted support and XXXX asserted that I dont have any offers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2024-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-08
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I opened a new Citibank XXXX account on XX/XX/XXXX, and the Citibank XXXX XXXX explicitly read back the term of the XXXX to me ( XXXX XXXX customers can earn a XXXX XXXX bonus by opening an eligible XXXX account from XX/XX/XXXX to XX/XX/XXXX with qualifying XXXX XXXX XXXX and completing required activities. - at least XXXX ( XXXX ) XXXX XXXX XXXX directly into your new XXXX account within XXXX XXXX days from account opening. Your total combined XXXX XXXX XXXX must equal XXXX or more. ). Not to mention the various issue I encountered during the account opening process ( the representative put in completely incorrect address, outdated and incorrect account XXXX XXXX was sent to me, XXXX XXXX lost in transit, etc. ), I completed the required XXXX XXXX XXXX in early XXXX, XXXX. While I called back on XX/XX/XXXX to ask for XXXX XXXX replacement that I never received after the account opening, the representative mentioned that there is no XXXX XXXX promotion attached to my account. I called again on XX/XX/XXXX after I received the replacement XXXX XXXX, and another Citi representative confirmed that there is no sign of the promotion on my account, and there is nothing Citi bank can do other that logging a XXXX complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-08
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: My XXXX XXXX Citi XXXX XXXX XXXX issued by Citibank has been charged on XX/XX/year> the amount of XXXX for a transaction in XXXX XXXX that we do not recognize. Immediately upon noticing on my XXXX account XXXX that an unrecognized XXXX was showing as XXXX, I called XXXX XXXX at Citicard claiming that such a XXXX was not made and or authorized by us. They transferred me to the XXXX department and the card was XXXX right away and the issuance of a XXXX XXXX card was requested to be XXXX to my XXXX in the XXXX. The XXXX department resolved the case into the XXXX favor only after XXXX XXXX of apparently a XXXX and XXXX investigation claiming that the card was used in person at the XXXX that we have no idea about it. We asked XXXX times for proof of XXXX such as XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX activity. Nothing has been XXXX and XXXX. I have been a customer of Citibank and Citicards for XXXX years with XXXX records and It is not only disappointing but totally XXXX their XXXX and XXXX. I tried XXXX XXXX times to XXXX and XXXX to them to reasonably explain and express my XXXX. This is a very XXXX XXXX process that I'am not willing to face any longer nor pay for bills that I have not authorized.No-one XXXX no-one XXXX. This XXXX is not due to be paid and I wish to not XXXX my XXXX XXXX history due to an unacceptable XXXX coming from a XXXX XXXX. I'am requesting your help in solving this issue if possible.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77429
Submitted Via: Web
Date Sent: 2024-03-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-08
Issue: Problem caused by your funds being low
Subissue: Late or other fees
Consumer Complaint: Hello, I have a citibank checking account. From what the documents that I have, to avoid a monthly account fee I need to do a Direct Deposit each month, and make a bill payment. So each month I have two Direct Deposits from my pay checks that go out on or the working day before XXXX and the last working day of the month. Then I have a bill payment to XXXX XXXX XXXX through there bill payment portal each month around the XXXX. Even when I complete there requirements, they charge me a XXXX dollar fee each month even when this happens. I then have to call customer service for 20-30 mins, and they will refund me the money but it keep happening costing me my time. I don't like this practice, and I wonder how many other people they are doing this to. And some months I didn't call, they can't " go back '' in time to refund me. I am being defrauded from them, as they are breaking there contract with me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19355
Submitted Via: Web
Date Sent: 2024-03-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-08
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: In XXXX of 2023 I submitted a credit card payment to my Citi Costco Credit card. Citi stated that the payments bounced as their were insufficient funds in the account. I reviewed the transactions with my personal bank. My personal bank determined not only did a payment clear, but that Citi Bank returned the payment AFTER they incorrectly closed my account. The printouts of my checking account statements with highlighted information was obtained and documented. I called Citibanks Credit Card customer service line multiple times. I was able to get a few notes onto my account and a review of my complaint. I was denied twice. I eventually was transferred to a supervisor. They advised me to mail in supporting documents to Citibank Customer Service XXXX XXXX XXXXXXXX XXXX XXXX, SD XXXX. Documents were mailed out twice, once in XXXX and XXXX as I didn't received a response. It is now XXXX and I've yet to have a final review of my dispute. This negligent action by Citibank has affected my credit as it ruined my overall credit, credit history, and good account history subsequently lowering my score.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98027
Submitted Via: Web
Date Sent: 2024-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am filing this complaint to report a potential violation of the Fair Credit Reporting Act ( FCRA ) by MACYS/ CITIBANK Specifically, I allege that MACYS/CITIBANK has failed to comply with the following provisions of the FCRA and its regulations : 15 U.S.C. 6802 : This section requires financial institutions to provide consumers with a clear and conspicuous explanation of their right to opt out of having their nonpublic personal information shared with nonaffiliated third parties. I have never received such notification from MACYS/CITIBANK. 12 CFR 1016.7 : This regulation reiterates the consumer 's right to opt out of information sharing at any time. I am hereby exercising this right and formally opting out of any further disclosure of my nonpublic personal information to any nonaffiliated third party by MACYS/CITIBANK. This failure to comply with the FCRA has potentially caused harm to my privacy and negatively impacted my consumer report. I request that the CFPB investigate this matter and take appropriate action to hold MACYS/ CITIBANK accountable for their potential violation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33168
Submitted Via: Web
Date Sent: 2024-03-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am filing this complaint to report a potential violation of the Fair Credit Reporting Act ( FCRA ) by MACYS/ CITIBANK Specifically, I allege that MACYS/CITIBANK has failed to comply with the following provisions of the FCRA and its regulations : 15 U.S.C. 6802 : This section requires financial institutions to provide consumers with a clear and conspicuous explanation of their right to opt out of having their nonpublic personal information shared with nonaffiliated third parties. I have never received such notification from MACYS/CITIBANK. 12 CFR 1016.7 : This regulation reiterates the consumer 's right to opt out of information sharing at any time. I am hereby exercising this right and formally opting out of any further disclosure of my nonpublic personal information to any nonaffiliated third party by MACYS/CITIBANK. This failure to comply with the FCRA has potentially caused harm to my privacy and negatively impacted my consumer report. I request that the CFPB investigate this matter and take appropriate action to hold MACYS/ CITIBANK accountable for their potential violation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33168
Submitted Via: Web
Date Sent: 2024-03-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-07
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Please refer my previous complaint about my Citi account ending in XXXX. Today I received my debit card as well a letter. XXXX states that citi is automatically going to close the account. I started chatting with XXXX but chat was disconnected. As per the letter - not only this account but any other Citi accounts will be closed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-03-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-07
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I had fraudulent charges being made on my credit card account on XX/XX/XXXX. I had received text alert on my phone regarding charges which I did not make and immediately called customer service to report these charges. I was being informed that my account will be locked, charges will be marked as fraudulent, and new credit card will be sent. However, representative did not fully lock the account and few days later more charges were being made. I again had called immediately to report those charges and was told that my new credit card is on its way. This representative did block my account as it should have been. I have my account on auto payment and so amount was paid. My account was reimbursed for that amount. However on XXXX statement, same charges were placed back 3 times and there was late fee and interest charges applied. I called the customer service and was told that it is going thru correction and it will be readjusted. Again, I paid the amount as it was on auto payment. These charges were not removed, and again in XXXX statement same charges were placed again 2-3 times and again it debited my bank account because of auto payment. This repeated in XXXX statement. I have called multiple times to Security Department of the credit card and spoke with different Escalation Specialist and every time, I have been informed that my account will be reimbursed. I was informed that it will be reimbursed 45 days from XX/XX/XXXX. I have sent them official certified mail with return receipt to explain why this is not been addressed, but I have not received any response. I called on today XX/XX/XXXX and spoke with XXXX who is Escalation specialist and explained the situation again and was told that she recognizes wrongful charges and she will send email to audit the charges and it may take 2 weeks. However, I have my doubts. I need help with this situation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77407
Submitted Via: Web
Date Sent: 2024-03-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A