Date Received: 2023-10-24
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I have been a Citi Bank customer for a few months now, but my account was recently closed without any prior notification. I have been trying to get an update on my account for days now, but no one has given me any information. Despite my repeated attempts to contact them, I have not received any response. Today, on XX/XX/2023, I talked to a representative who informed me that a case has been opened as per my request and I will receive a call back within XXXX days. However, when I first called on XX/XX/2023, I was told that I would receive a call within XXXX hours about the status of my account, but no one has reached out yet. My case number with the XXXX XXXX XXXX is XXXX and the XXXX XXXX XXXX email is XXXX I have requested several times to receive a check with my account balance via mail, but my requests have been denied. Additionally, I have been hung up on during my attempts to get in touch with someone regarding my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30331
Submitted Via: Web
Date Sent: 2023-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-24
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: XXXX XXXX XXXX, given to XXXX XXXX XXXX, given to XXXX XXXX, given to XXXX XXXX, allege that I owe Citibank from over 20 years ago, though Citibank claims I have never had an account. Now that I am trying to sell our home, all of a sudden I have a judgement appeared against me blocking the sale. They can not, or will not, produce a single piece of evidence regarding their allegations. No contracts, no signatures, no receipts. I was never served, nor given a court date to contest this matter, nor contacted in any form, or manner. In spite of numerous FDCPA violations, specifically : 804 ; 805a/b/d ; 809b/c/d ; 813a/c ; 814b ; and others, somehow, they managed to have a court approve a judgement without any proof twenty years ago. I have bought and sold three houses, qualified for mortgages, secured auto loans, etc. Never once in that time has anything appeared on my credit reports. These collection agencies have an unfortunate reputation of conducting this type of nefarious unprofessional business. We need to sell our family home and move. I take care of my special needs younger brother, and I am partially physically XXXX. This is unconscionable to allow this sort of unethical behavior to prevail. Show proof, or drop this matter now. Claim : {$43000.00} plus XXXX XXXX interest for I don't know how many years : $ XXXX. Judgement made on XXXX but I was only made aware of this two months ago.
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: 2023-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-24
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 contacted Citi bank 3 months ago, on approximately XX/XX/XXXX, to dispute a fraudulent charge that showed on my account. It was dated XX/XX/XXXX and was for {$370.00}. This was shortly after I had called Citi to close this account entirely. I had made no purchases on this account since XX/XX/XXXX which was when I stopped using the card all together. The transaction did not appear as a normal transaction with a merchant but instead showed as payment move then it listed two account numbers. Neither of these account numbers matched any accounts I had either with banking institutions or credit card companies. Citi said they would open an investigation and it would take a maximum of 90 days to resolve. Over the coming weeks I called multiple times ( probably 6-8 times ) and spoke with multiple people ( probably around 15 ) trying to get an update on this. I was frequently told by each department that they were unable to help and would be transferred to another department to be told the same. I was eventually told by Citi themselves that they were unable to link this charge to me in anyway, but also that they would be unable to refund it because they lacked the ability. They said they would continue to try and resolve and would definitely be done within 90 days. I called again today ( roughly 90 days since opening the dispute ) and was once again told they were unable to link the charge to me but still had no resolution on any sort of refund. They asked for another 30 days. I no longer believe they intend to resolve this matter at all. They have since removed the credit card from my account without my consent which means Ive lost access to all documents and statements.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78626
Submitted Via: Web
Date Sent: 2023-10-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-24
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: Citibank XXXX XXXX Letter Rec 'd on XX/XX/23 Informed me that they applied for the CC on XX/XX/23 The perpetrator tried to charge ~ {$1500.00} " Declined '' The Home Depot/Citibank Card opened without my consent or knowledge. An Application # Rec 'd the physical card on XX/XX/23 Called Fraud Verification THD/Citibank XX/XX/23 No Complaint Filing Confirmation # from the Fraud Verification yet. Freeze on XXXX filed Need to place Freeze on XXXX & XXXX still
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84003
Submitted Via: Web
Date Sent: 2023-10-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-24
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: I filed XXXX XXXX XXXX of XXXX and Citibank was listed on the schedule when I filed. Citi bank filed a lien on my property XX/XX/. Citibank has never sent a release to the registry of deeds to release the lien despite many calls requesting them to.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 023XX
Submitted Via: Web
Date Sent: 2023-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-24
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: On XX/XX/2023. I recieved {$2000.00} transfer that my bank deposited as {$1900.00}. The next day CitiBank charged my account additional {$15.00}. On XXXX XXXX, 2023. I received {$2700.00} transfer that my bank deposited as {$2600.00}, the next day it charged me additional {$15.00} for the same transfer. On XX/XX/2023 I received {$4000.00} transfer that my bank deposited as {$3900.00}, the next day citiBank charges my account additional {$15.00} for the transfer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90038
Submitted Via: Web
Date Sent: 2023-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-24
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Received a response to the original complaint which is not satisfactory. The introductory APR expired on XX/XX/. Regardless of the date of the statements, the interest rate charged to the balance transfer offer increased after XX/XX/. Therefore a payment made XX/XX/XXXX and received by the company XX/XX/XXXX should have been applied to the balance transfer balance, which was the highest APR of the plans at the time that the payment was received. The statement dates mean absolutely nothing. This is predatory lending and refunding a partial month 's interest charges while continuing to charge 2.5x the interest rate you are entitled to is not an acceptable response. The documents you sent actually reinforce my positron and prove that the date you applied the payment to the lower interest rate plan was incorrect. You have not complied with the laws and I will continue to file complaints and seek remedies to the fullest extent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85743
Submitted Via: Web
Date Sent: 2023-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-24
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: XXXX XXXX XXXXXXXX XXXX XXXX XXXX has the wrong dates on my credit report causing me a huge issue costing me alot of money date of last payment should be XX/XX/XXXX they have on my credit report the date they bought the account as XX/XX/XXXX which is against the law. also need account info everthing is wrong on the credit report can not do any research using this wrong information on my credit report which is also against the law
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NH
Zip: 032XX
Submitted Via: Web
Date Sent: 2023-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-23
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I wrote a complaint to your organization about Citi complaint # XXXX, however Citi claimed not having any knowledge of me being a customer of theirs so they couldnt respond to your organization about the complaint. How ironic, when I received an email from Citi stating they received a complaint from CFPB about them and that the fees are valid and they wont reverse them. The same way they could use other means of information ( such as my card number I provided ) to identify me and send me a private email about the complaint, the same information could have used to respond to your organization. They also stated I should update my email address which I did yet your organization still havent received their response to the complaint. Citi, as always, not being consistent with whatever they relay to their customers, stated in their response sent to me via email ( attached ) that I owe {$410.00}. However from the statements I received via my app it shows that they charged me {$710.00} in returned check fee some amounting to {$30.00} and others {$41.00}. Yet in their response they made it clear that all returned check fee is {$41.00}, the same inconsistencies I received from their customer representative when I called to query about the many return check fees I was seeing via my app, yet there was no evidence of returned payment/check shown The same way they could blatantly state the bank makes no errors as it relates to the fees they sneakily charged me, the bank same way the bank should rely the correct information to me as it relates to the fees I was actually charged. On my side its showing they withdrew {$710.00} in returned check fee yet in their response its stating they only took {$410.00}. As per the attachments, in their response they didnt state the fees they charged me on XX/XX/XXXX, XX/XX/XXXX, twice on XX/XX/XXXX at {$30.00} each and XX/XX/XXXX and XXXX. The information should be privy to whomever responded to my complaint, therefore the response should be outlining everything to the T. I dont want to hear any excuse as to why they so happen to miss out those days yet I was charged for it. That shows how inefficient Citi is when it comes to customers and their money, as if we pick money off the ground. I work very hard for my money and need accountability as to where its going and from the response from Citi vs the concrete evidence of the statements it shows Citibank constant inconsistencies Ive been receiving from the first time I made a deposit and my account wasnt updated immediately like it used to. After calling to find out why was that I was told by a customer representative that I shouldnt worry the funds is there it just hasnt updated. When I relayed that cony to another customer representative they had the nerve to state there must have been some miscommunication on my end, not theirs but my end. Since Citi never makes mistake I wont accept any excuse as to why the amount in fees charged differ in their response vs the actual statement downloaded by Citi on my app. Citi knows what they are doing, the fact that I would make daily payments to avoid interest, they try to find a way to get back some money from me. Worse I was getting rewards and they were getting no extra money, they needed to find a way to get back some money from me for all those 4 years Ive been with them. So they sneakily take {$710.00} from me, claiming its for returned check fees, which in their response wasnt even accounted for. Where did the difference of {$300.00} go??!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06606
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-23
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Today ( XX/XX/2023 ), I received an email from Citi Bank advising me of a credit revision. The email was extremely generic, stating XXXX gave them information on me but had no part in the decision to lower my score and therefore couldn't tell me why they did it. My credit limit was dropped from {$7500.00} to {$5300.00}, leaving just over {$200.00} available credit. I have never missed payments and have always paid more than the minimum ( usually $ XXXX {$200.00} more than required ), but they still dropped my limit and won't tell me why. When I reached out, the representative at Citi ( XXXX ) copy/pasted the original email as her response, and when I pointed out it said XXXX had no part in the decision and couldn't give an answer, she said my issue was unfixable on her end and to call XXXX. I told her I did not qualify for such a drastic drop in credit, that this was a blatant violation of the FCRA, and that there is a note in my XXXX file ( been there 5 years ) stating my refusal to acknowledge or authorize their copy of my report as it contains old/inaccurate information, and she disconnected the chat.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32583
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A