Date Received: 2023-10-23
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I had a debt with this company and I made a payment arrangement with them. They did not honor the arrangement and still reporting a balance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 018XX
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-23
Issue: Struggling to pay your loan
Subissue:
Consumer Complaint: Please see attachment. Citibank sold my account to XXXX XXXX XXXX XXXX XXXX on XX/XX/2022. I was offered to settle for a reduced amount, which I did. Citibank filed a cancellation of debt for XXXX with the IRS. This account is settled and closed. It should not continue to be reported to XXXX, XXXX or XXXX. This has been resolved. Citibank has had information deleted in the past. I am simply asking for the same courtesy again.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11566
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: Managing an account
Subissue: Cashing a check
Consumer Complaint: I deposited a personal check amounting {$1700.00} through online banking after doing that Citibank blocked my account. This Happen in XX/XX/2023. Ive been trto resolve this 2 months now this is my second complaint through this agency. The first complaint I was told that theyre going to close my account and within XXXX days I will receive all the funds thats in my account but I only received {$25.00} which the amount that I put in to open the accounts I didnt receive the money that I deposited which is {$1700.00}. I tried to contact customer service I spoke to multiple agents theyve been transferring me to different departments all of them are telling me the same they can not release the funds to me and and advise me to contact the XXXX XXXX to file a dispute. I had a 3 way call with the check XXXX and his bank and they said that they cant stop the payment nor dispute it because the check is already been cashed into my account which I have no access to it. So the other bank cant do anything in their end because it is not a fraud check and a legitimate check But Citibank is not willing to release the funds to me or return the funds to the XXXX XXXX I requested Citibank to just return the funds to the XXXX XXXX but they are not taking an action and keeping my money. Citibank is not helpful at all theyre not giving me other options. Even their executive department told me to request the XXXX to file a stop payment or dispute thats the only option theyre giving me but I was already told by the XXXX XXXX that they can not do that. So I dont know what to do now. Even their Executive department is not willing to help me. All I want if they cant release me my money is to just Return the funds to the XXXX so they can pay me in other way instead. I am willing to provide a verification of the check from the XXXX XXXX if its needed. I really need help. I deserve to get my money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98204
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: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I was declined for a recent credit loan due to fraudulent activity under my name and social security number. I pulled my credit and it shows too much debt to income. One of the reasons was that a credit card was taken in my name for XXXX. During this time period, I was sailing around the world in the XXXX XXXX and never applied for this credit card nor did I ever have it in my possession. I am XXXX due to illness at present and am attempting to get off XXXX to function as a productive member of society. I applied for a boat loan and was denied due to debt to income ratio. I am being discriminated against and denied my fundamental right to credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34667
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: 2023-10-23
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: In XXXX of 2023, I reached out to Citi Bank concerning that I could not log into my online account. I was informed that my account was locked and asked to verify information. I verified all required information and was still locked out of my account. I then reached back out and was told that they could not unlock my account. I asked why not and how was I to access my money in the account and I was hung up on. After multiple attempts to get any type of information other than " the account is locked and I don't have authorization to unlock it '', I received an email in XXXX stating that in 60 days, my account would be closed. I called and was told that in 60 days the account would be closed and a check sent to my address on file. I verified the address. 60 days later on XX/XX/XXXX, I contacted Citibank again and was told the check had already been sent. So I waited a week to receive it. When it did not arrive within 14 days, I reached back out. I was told that they would send an email to their " back office '' and send out a new check. I verified the address on file again. I was told this check would be to me in 10-14 days. I waited and again, 14 days later, no check. This has been a repeated cycle since XXXX. 5 months and the funds are still in the OPEN ACCOUNT, and I am still receiving monthly statements that I can not access and being told I am not allowed access to the account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 991XX
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-23
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I deposit a 3rd party for my niece and brought her up to bank numberous of time like I was told to do with her if check on XX/XX/XXXX, its XX/XX/XXXX almost a month later and still Im Getting a run around and wrong answers they sent me a letter this morning saying I can receive my funds AND ALL OF SUDDEN THEY LOST THE MONEY AND CANT FIND AND DOESNT KNOW WHERE THE MONEY IS. Citibank is so discriminative. Ive been back and forth to the bank 6-7 times already after they so closed my account for a security issue Ive made numerous complaints about this company to numerous of breaus because this bank isnt working with me all
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90047
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: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I received a recorded message on XXXX day that an unauthorized check was being cased on my account. I was unable to reach anyone at Citibank because they were closed for XXXX day ( XX/XX/XXXX ). When I was able to get into the bank they credited me for that particular check in the amount of {$3900.00} and advised me to carefully look through my statements for other questionable checks. When I did this I reported 3 additional checks which were obviously forged. I was told to wait for Citibank to send me a Statement of Unauthorized Use for claims of Forgery, Alteration, etc. After that form arrived a couple of weeks later I immediately completed and returned it. Several weeks later on XX/XX/XXXX I received a letter that my claim was denied, even though the fraud/forgery was clear. When I first submitted a complaint Citibank claimed that they did not recognize me as their customer or their customer 's authroized representative. Really?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91321
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: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I qualified and received A CITI XXXX Preferred card on XX/XX/XXXX. My main reason for applying for the card was to take advantage of their " 0 % introductory APR for 21 months from the date of first when transfers are completed by XX/XX/XXXX. '' I called CITI Banks ' helpline to ask how to initiate the transfer from one card to another. I spoke to a rude man, who told me I can not transfer the balance on my existing XXXX card because it is managed by Citi Bank. And he scoffed at me because I wanted to do the transfer a few days after receiving the card, and said the waiting period was beyond the XX/XX/XXXX mentioned in the fees page. In Citi Bank 's ad, there is no mention of being unable to transfer a balance from XXXX Citi Bank to another, nor a waiting period to do so. I read the XXXX pages of fine print enclosed with the credit card and could not find any details I mentioned above. I'm very frustrated at not being able to use the card for the purpose I intended. Do I close this account and apply to another bank?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92553
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: This complaint is regarding my citi bank credit card. There are 2 credit card specific situations : 1 ) I noticed that there has been a series of transactions that i didn't initiate and most of these are in person transactions- someone is using this card to make unauthorized purchases. I flagged this to citibank and filed disputes through the online portal. Citibank apparently investigated and concluded since I had the physical card in my possession, these are all " legal '' charges and I ought to be responsible for them. I spoke with them on the phone a few times, and confirmed that I have not made these purchases, but they still didn't do anything about them. 2 ) They blocked the original card and sent a new card. I never received that card because my address was not updated on the portal. I am seeing a similar series of purchases on this new card as well. I have disputed the charges, but haven't seen any action from Citibank yet. Also, I want to further highlight that Citibank not only put this false burden of paying these fraud purchases on me, but also started charging me interest payments for " not paying '' the bill. I have pasted a table summarizing all fraudulent charges below. Date Description Amount XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95128
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: 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: XXXXdispute filed ; within the week supporting info/receipts provided. Citibank repeatedly asked for same documents ( citing ones sent werent legible ) XXXXcompany finally acknowledged receipt of supporting documents XXXXwithout contacting merchant ( XXXX XXXX ) Citibank closes dispute ; says their customer XXXX is responsible for charges. During month of XX/XX/XXXX & XX/XX/XXXX I continue following up with Citibank explaining that XXXX has been paid two times for the stay of XX/XX/XXXX. They were prepaid by the primary person who made the reservation & by me the secondary. I submitted additional receipts from the primarys bank. Citibank refuses to accept those receipts & the ones XXXX provided to the primary. ( They also Will NOT accept the receipts XXXX provided to me either, which reversed the charges they erroneously debited to my Citibank credit card. ) Once Citibank closed the dispute they never reopened it despite the fact that they kept requesting additional documentation from me. Citibank does not care that XXXX has now been paid twice for this stay of XX/XX/XXXX. I was advised to go to XXXX & have them make the corrections. Citibank will do nothing to rectify/resolve this dispute.
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: 2023-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A