Date Received: 2023-10-10
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I did not authorize any of these inquiries : XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Television & Radio XXXX Inquiry : XXXX XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Credit Unions XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX : XXXX. XXXX, XXXX + XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + All Banks XXXX Inquiry : XXXX XXXX, XXXX + All Banks ( XXXX ) XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Auto Financing XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + All Banks ( XXXX ) XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Auto Financing XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Auto Financing
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 972XX
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-10
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: They have blocked me from transferring ANY funds from my {$75000.00} in a savings account over to my other bank. I've been on the phone with them for over a week and every day promised the block would be removed and it hasn't. They've wasted dozens of my hours and I bill over {$250.00} an hour for my business.. That equates to THOUSANDS of lost dollars I could have been working. I am also putting together a lawsuit for treble damages and pain and suffering for the entirety of the {$75000.00} as I have been in tears multiple times, lied to by there associates, and am unable to pay my over dozen employees. Over a week and unable to access {$75000.00} as a SMALL business. How is this ok? And to be told over 3 times by different SUPERVISORS that my funds would be accessible. I am also pursuing the individual Citi employees as claimants in the suit specifically and personally, who have lied to me about unlocking my account. I have had to pull a loan with over 9 % interest just to cover my bills. That interest also needs to be covered by Citi.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: HI
Zip: 96734
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-10
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 am writing to file a formal complaint against Citibank regarding a series of fraudulent activities and the subsequent mishandling of my accounts. The timeline of events is as follows : On XX/XX/XXXX, I noticed fraudulent charges on my Citibank debit card and promptly reported the issue to Citibank. I also requested a new debit card and contacted the stores where the fraudulent charges occurred to report the issue. On XX/XX/XXXX, I had a three-hour phone call with XXXX XXXX ( claiming to be a higher-level Citibank employee in the fraud department ) at XXXX. During this call, we went over each fraudulent charge. XXXX assured me that seven of the charges had been reported and were in the process of being investigated. She also assured me that my Citibank credit card was not affected. However, during this call, she accidentally forwarded my personal cell phone number to Citibank 's hotline for XXXX days, causing me to miss important voicemails. Furthermore, my Citibank online account was locked, and despite assistance in resetting the password, it did not work. I was informed that someone using a XXXX XXXX phone had been utilizing mobile pay with my debit card. On XX/XX/XXXX, I received an incoming call from Citibank at XXXX, which lasted only one minute. On XX/XX/XXXX, I made two separate one-hour phone calls to XXXX. During these calls, I was told that my debit card balance was {$2900.00}, and my account moving forward was safe. On XX/XX/XXXX, I attempted to log into my newly established online account using the temporary provided password but it was incorrect, and I could not access my account. On XX/XX/XXXX, I visited a Citibank branch in XXXX XXXX, CA, where I spent XXXX hours with a banker, reporting the fraud once more. On XX/XX/XXXX, I visited a Citibank branch in XXXX, CA, where I spent XXXX hours with a banker, XXXX XXXX, reporting the fraud again. I also reported a fraudulent claim for a {$13000.00} loan. Following this visit, my account had multiple issues. In order to activate the replacement debit card, I inserted it into the ATM and created a new pin. However, immediately after the transaction, I was locked out of my account. At this point, my checking balance was {$14000.00}, and my credit card balance was {$18000.00}. I also received a missed call from CITI at XXXX during this time. On XX/XX/XXXX, during my third in-person visit to Citibank in XXXX XXXX XXXX CA, my ATM card did not work at the ATM. I spent XXXX hours with banker XXXX XXXX, reporting the fraud once more. On XX/XX/XXXX, during my fourth in-person visit to Citibank in XXXX XXXX XXXX CA, I spent XXXX hours with banker XXXX XXXX XXXX XXXX the fraud once again. During this visit, my credit card was officially canceled, and I was informed that I would not be able to access credit card information for four business days. I was advised to call the XXXX XXXX XXXX at XXXX to identify and dispute fraudulent credit card charges. I was also informed that they would handle the investigation of the fraudulent activity, and resolution could take XXXX months. On XX/XX/XXXX, I called the XXXX XXXX XXXX at XXXX for XXXX minutes. They instructed me to call XXXX, but they connected me to a different department. Following the call, I received three missed calls from a suspicious-looking CITI number XXXX XXXX ). Throughout this ordeal, I have noticed multiple mobile purchases using my debit card and Citibank credit card, from a XXXX XXXX phone. Not only do I not use this type of phone, I explicitly told the rep on XXXX to make note of this fact in my account to prevent further fraud by the XXXX owner. It has continued however. I am deeply concerned about the handling of this situation by Citibank, which has not only resulted in significant financial losses but also a grave breach of privacy and security. I have experienced numerous financial setbacks, including : I am facing substantial financial losses due to unauthorized charges, including a {$13000.00} loan taken out in my name. The fraud and stress have left me in a dire financial situation, forcing me to take a cash advance from another credit card, borrow money from friends, and incur significant fees associated with these actions. The fraudulent charges and the credit card loan have severely impacted my credit score, my ability to make major purchases, and increased the cost of future credit. I have spent countless hours trying to resolve this issue, impacting both my personal and professional life. The time spent on calls, branch visits, and the emotional distress have affected my work and personal life. I've tried everything possible with dealing with Citibank directly and need help. I can not afford a lawyer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94114
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-10
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I reported this citicard Cbna company for several months, XXXX keeps sending this back as verified with no proof, the balance is wrong I reported account as identity theft and fraud because charges was made without my authorization when I was out the country and XXXX didn't investigate the account correctly, if they would have they would have seen that the Citi bank disputes was for the same account, not to different accounts and amounts. I have sent identity theft and police report already
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: 2023-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-10
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I am writing to file a formal complaint against Citibank regarding a recent and sudden reduction in my credit card limit without providing the requisite 45-day notice, as outlined in 1026.9 ( g ) ( 4 ) ( i ) of the Consumer Financial Protection Bureau 's regulations. This action deprived me of the opportunity to reject the change, which is my right according to 1026.9 ( h ) ( 1 ). On XX/XX/2023, I received a notice from Citibank informing me that my credit card limit had been reduced, with no prior communication or warning. This sudden change has not only caused immediate financial inconvenience but has also raised concerns regarding Citibank 's compliance with federal regulations that protect consumer rights in the financial sector. Under 1026.9 ( g ) ( 4 ) ( i ), credit card issuers are required to provide cardholders with a minimum of 45 days ' notice before any adverse changes to the credit card terms. However, I was not afforded this courtesy in this instance. This lack of notice left me with no opportunity to evaluate my options, potentially seek alternatives, or reject the change should I have chosen to do so, as granted by 1026.9 ( h ) ( 1 ). I believe that Citibank 's actions are not in accordance with the regulations put in place to safeguard consumers like me. I request that the Consumer Financial Protection Bureau investigate this matter and ensure that Citibank complies with the established federal guidelines. I also request that Citibank reverse the credit limit reduction and provide the required 45-day notice as outlined in 1026.9 ( g ) ( 4 ) ( i ) so that I may have the chance to make an informed decision regarding my credit card account. I appreciate your attention to this matter and look forward to a swift resolution in accordance with the law.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Fraud or scam
Subissue:
Consumer Complaint: I was scammed out of {$900.00} on XX/XX/2023. It was two transactions of {$450.00}. I have requested copies of information that Citibank used to do the investigation and they have not provided me with any. They have sent me a letter that does not pertain to anything that I have requested from them. I contacted citibank on XX/XX/2023 to send me copies of documents they used for my investigation. Instead of doing what I asked for, for the 5th time, the employee had opened another case without my knowledge. Citibank has not been able to provide me with any proof of the investigation because nobody is actually doing their job properly. They refuse to give my money back. I have filed police reports and taken every step to prove that I was scammed but Citibank has continued to be as unhelpful as possible. They have not provided any proof of any investigation. The letter they keep sending ( attached ) even states that I am entitled to that information. They have truly been such a continuous failure as a company. I ask them to send copies of the information used in the investigation and they keep opening a case. I want this issue resolved by people who can actually do their job.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91605
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: IN ACCORDANCE WITH FCRA THIS CREDITOR HAS VIOLATED MY RIGHTS. UNDER 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 15 USC 1681 SECTION 604 A SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. UNDER 15 USC 1666 B A CREDITOR CAN NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN & CONSUMER CREDIT PLAN AS LATE FOR ANY REASON.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08330
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
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, my card was fraudulently charged {$580.00} and was immediately notified by Citibank. I called and canceled the card and raised a dispute that this is a fraudulent charge. The bank closed the case and made me liable. They then took the money out of my debit card which is unacceptable. I have tried calling many times to dispute this decision and get the money back asap but it seems next to impossible. Its taken 1 month + to get this resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90012
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
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 reported missing credit card following unauthorized transactions on my credit card with this company on XXXX transactions. My initial dispute was through XXXX where the unauthorized transactions occurred but XXXX refused to act on the dispute. So, left with XXXX last option I filed the dispute with my credit card company, only for my credit card company to make their decision based on XXXX claim citing other valid transactions on the XXXX account as the reason to counter my dispute. It is a shame that the credit card company will go with a merchant like XXXX who actually benefited from the unauthorized transactions in fees and interests to deny a consumer disputing an unauthorized transaction been fully aware that this was a case of a reported missing card. I have decided to report this here as a last resort to resolve the dispute I filed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77494
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-09
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: There are over {$1000.00} of charges made on my credit card in XXXX 2023 in California. I live in Ohio and do not know anyone in California nor have I traveled to California. I contacted Citi Bank to file a dispute and on 3 occasions they have reopened my case then dismissed my complaint and tell me Im responsible for paying the fraudulent charges. I provided Citibank copies of my time sheet at work proving I was at work in Ohio at the time the charges were made in California and I have provided my bank statement to prove I was in Ohio where I had made purchases on my debit card at a local grocery store and gas station. I continue to get late notices that my bill is past due and calls that my credit will be ruined. I have not made even the minimum payment due because my credit card balance should be {$0.00} as I have not used the card in question and can not even find the card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43725
Submitted Via: Web
Date Sent: 2023-10-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A