Date Received: 2023-10-26
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: XXXX XXXX I opened futile attempts in at least 3 attempts to have Citibank to correct the dispute amount for services not received, Citibank has Personal knowledge that I spend Time and Money for the same Services I ended up paying a 2nd Merchant to do properly the service I needed. Now I'm receiving by mail an Attempt to collect the Amount I Fully legally Disputed, I'm returning the mail Stating " The Account has been closed previously due to the Incompetency of Citibank to resolve my dispute, even its last letter they stated has been resolved, what they resolved? Nothing. I'm including its last letter and the copy of the mail received stated to return to sender. If Citibank Persists with this collection attempts and/or report the amount disputed to the credit Bureaus, I'll initiate a legal action in Court against Citibank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91311
Submitted Via: Web
Date Sent: 2023-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-26
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/2023, I was charged {$210.00} for a " Best Buy Renewal ''. I was unaware of this charge to my credit card account until XXXX when I received a call from Citibank, who administers Best Buy credit cards, informing me that my account was " past-due ''. I was surprised by this as I had not made any purchases using my Best Buy credit card. I was advised by the Citibank representative that they could not resolve any issues with the charges and that I must contact the " XXXX XXXX '' as they had initiated the charges. On XX/XX/XXXX I contacted the XXXX XXXX, which is a technical service department of Best Buy, and was told that the charges were for the renewal of a " service plan ''. I advised them that I had not initiated any request for a service plan and declined the " purchase ''. The told me that, because I had contacted them more than 30 days past the " purchase '' that they could only offer me a prorated refund of {$170.00} and a refund of some late charges that had accrued. I requested that all charges be removed from my account and any " past due '' notices sent to the credit bureau be corrected. They advised me that only Citibank could make those changes. I determined that the notifications associated with this " purchase '' and " past-due '' notices were sent to an obsolete email address, so I never received them. I have been unable to resolve this matter with Best Buy, Citibank or the XXXX XXXX as each entity says I must talk to the other.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75227
Submitted Via: Web
Date Sent: 2023-10-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-26
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XX/XX/22 the account was closed and on XX/XX/22 it was reported as charged off. Now from XX/XX/22 until the present they are still to the CRA the the account is being charged off. Once an account is closed, it can only be charged off once. So they arereportinginaccurate information to the CRA.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 291XX
Submitted Via: Web
Date Sent: 2023-10-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have no idea what this is about. XXXX in Ohio sent this to XXXX XXXX in California, and they sent it to XXXX XXXX in New York, and they sent it to XXXX XXXX in XXXX. No one will answer any questions about this more than twenty year old matter. I was never served any papers, nor was I given a court date to challenge them. As I was unaware of the case, court location, date and time, I was unable to appear to defend myself. XXXX years later, I just found about a judgement against me issued by a court, because I didn't appear. How was I able to challenge these false accusations as they hid it from me for XXXX years? Where is justice?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-26
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I applied for a Citibank credit card several months ago and was denied ; they said my physical address didn't exist even though t 's on my license. I do NOT get mail at that address. They don't send to XXXX XXXX XXXX. I did NOT receive a card. Now my credit reporting is telling me I have a card and my credit has been impacted by it. Tried calling but they want card # [ which I do not have ] or SS. My SS # is not in their system. Yet XXXX says I have a card thru Citibank. I am afraid that someone has my card and could use it. I can NOT get through to Citibank to straighten this out.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: HI
Zip: 967XX
Submitted Via: Web
Date Sent: 2023-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-27
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Citibank closed XXXX store specific credit cards ( XXXX XXXX XXXX Best Buy ), XXXX Citi Simplicity credit card and XXXX XXXX XXXX ( Authorized user ) without any notice and XXXX different agents refused to provide me with any information as to why all of my Citi cards had been closed on the same day XX/XX/2023. One agent went as far as telling me to call XXXX if I wanted more information. A second agent referred me to a letter in my document center that I was also not notified about that stated for me not to call Citi and they will not provide any additional information. I called and a second agent told me the bank decided to close all of my accounts and refused to give any additional information. I was then transferred to another agent who stated they were all closed due to fraud risk, but I have never reported any fraud on any of the credit accounts. Not a single person at Citi provided me with any additional information and then insinuated that I am the fraud risk even all of the accounts are over XXXX XXXX XXXX, no fraud has ever been reported, there is no unusual activity, the accounts have never been past due 30 days or greater and are all current with possibly XXXX returned payments between all accounts during the life of all the accounts. No one would answer any of my questions, refused to transfer me to a XXXX and would not document my complaint. When my mother, the primary XXXX XXXX account holder called, they gave her a completely different story than what was explained to me and the agent released my financial information to my mother, which completely violates my privacy. A final agent I spoke with advised me to write a letter ( attached for reference ) to Citi requesting my accounts be reopened and that would 100 % guarantee the issue would be resolved and the accounts be reopened, which left me extremely skeptical and untrustworthy of the agent and the information provided. All I have received from Citi is deception, lies, privacy invasions and complete disrespect. I have done nothing wrong, I have made all payments and I have been treated like a criminal that is not being told what the alleged reasons are.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89141
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-25
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: There is a collection agency by the name of XXXX XXXX XXXX who is reporting a debt to my credit reporting stating you as the original creditor. I don't remember ever having an account with CITIBANK N.A with the balance reporting. My information was compromised in a data breach so please submit documentation of the agreement between your company and myself. Please send the correspondence sent to me notifying me that I had an account that was being sold to XXXX XXXX XXXX. Also, include the price that the debt collector purchased the debt. If you are unable to provide the requested information, please have the collection agency remove this account immediately. Failure to comply and/or provide validation is a violation of the FDCPA and FCRA.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 751XX
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-25
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Citicard canceled my credit card on XX/XX/XXXX after a few weeks of issuance. They replied in email and letter that the reason was my association with a XXXX business. However my association was terminated XX/XX/2022 and I never used the card for any XXXX purchase or business. I understand they can cancel cards anytime for whatever reason, so I requested to at least be reimbursed the {$590.00} I paid in advance. They declined and said its non-refundable.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NM
Zip: 870XX
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-25
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 a fraudulent charge was made on my Citibank credit card account by XXXXXXXX XXXX XXXX in the amount of {$4700.00}. Prior to the charge, I had never heard of XXXXXXXX XXXX XXXX and have not received any services made by them or had any communication with them at any time. I certainly did not make the purchase or authorize it. I reported the incident to Citibank in early XX/XX/XXXX ( they responded to me on XX/XX/XXXX. ) The money was refunded to my account. According to Citibank, the vendor told Citibank the charge was valid, using only an email address ( not mine ) as evidence that the charge was valid. Citibank did attempt to phone me in XXXX and I missed their phone call. They did not use any other means to contact me ( email, post, etc. ) The {$4700.00} was again charged to my Citibank credit card account, and automatically deducted from my non-Citibank debit account. I phoned in XXXX and XXXX in an attempt to recover the money. On both occasions, I was told that the vendor ( XXXXXXXX XXXX XXXX ) had provided insufficient evidence and the claim would be reopened. On XX/XX/XXXX, a representative advised that the claim should not take more than 90 days to resolve. I phoned again on XX/XX/XXXX. I was advised that the claim was so old that the computer needed to reload the information and to phone again in at least three business days. I phoned on XX/XX/XXXX. The representative was apologetic and stated they would expedite this, but could not tell me how long it might take or when I should follow up. Citibank has not provided me with any written communication since XX/XX/XXXX, despite these numerous follow-up phone calls, all unresolved. It has now been nearly one year since the initial charge. The amount is quite a lot of money to me, since I am a teacher, and a new parent. I would appreciate any assistance with the matter. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91324
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-26
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: To whom it may concern Citi bank blocked my account after I transferred my money from my XXXX XXXX savings account to citibank checking account number XXXX they are not giving my funds stating i will receive them after XXXXdays they cant do that without any reason and holding my money that i have to use for my living they not responding just saying you will receive funds in XXXX days. Nobodys helping me i demand consumer finance to escalate this case so i can get my funds i talked to citi executive respond unit name was XXXX Tel. XXXX Citi Reference Number : XXXX Nobodya helping me all they stating we have the right to terminate services as i understand but they cant hold my funds for 60 days
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90280
Submitted Via: Web
Date Sent: 2023-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A