Date Received: 2023-09-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have been receiving updates from credit reporting agencies showing delinquent and inaccurate information being reported on my credit files. I have been a victim of identity theft for over 10 years, and I have provided proof on several occasions to prove this claim, such as police reports, FTC reports, OPM letters, social security card, ID, and proof of address. Accounts appeared inaccurately on XX/XX/2023 ; XXXXXXXX XXXX XXXXXXXX for the amount of {$62.00}, XX/XX/2023 ; XXXX XXXX XXXX for {$10000.00}, XX/XX/2023 ; XXXXXXXX XXXX for {$12000.00}, and XX/XX/2023 ; Citicards CBNA for {$6000.00}. I have filed several disputes with XXXX, XXXX, and XXXX about the inaccuracies, and nothing has been done in reference to the misleading and inaccurate reporting on my personal credit files. As a result, my credit reputation is being ruined and I am unable to gain a trustworthy credit history with companies.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60643
Submitted Via: Web
Date Sent: 2023-09-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-29
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: I reached out to Citi Bank on XX/XX/23, regarding payment assistance/settlement options. Im currently experiencing extenuating medical issues, on top of which Im dealing with the aftermath of the loss of my brother due to XXXX. I have always been on time with payments. My payment is due in two weeks, I reached out early as I did not want to fall into delinquent status. When I called, the representative told me to request payment assistance from those around me. I find this extremely inappropriate, insensitive and unprofessional.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33063
Submitted Via: Web
Date Sent: 2023-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-29
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Just wanted to provide some feedback in terms of my frustrating service calls with CITI. I tried to pay for my school tuition on XXXX XX/XX/2023, however it was flagged by fraud team. That's great, awesome protection. I then responded to text to allow purchase and tried to reprocess, but to no avail. I then called in to have restrictions removed. I called in and verified my account via my cell phone number. We dropped from call and she called me back with no issues. I spent close to 30 minutes working with them CITI associate to try reprocessing over and over. She finally said try again in an hour. She also had me clear cache in browser, which I knew wouldn't work but appeased her anyway. I then tried on my cell phone instead of a browser and same outcome. So I finally just paid for school with another credit card. Problem solved until the morning of XXXX XX/XX/2023 when I signed into CITI XXXX app and it said I needed to call in for support. I called in and couldn't verify my identity. I talked with an account supervisor and she the only way left to verify my account would be letter sent to my house. Unfortunately, I can't wait 3 days because I have a college student across the country needing to utilize the card for books, food, etc. Verification by mail in 2023 is assinine. I called in again and same thing. They also wanted to verify with my home landline. One again this is 2023. Several people said that I would be called back, but I have yet to hear anything. I then tried to file a complaint. You can't send an email. You can go through chat bot. You have to send in a letter! Are you serious ... in 2023? This is the poorest customer service that I have ever experienced. There is literally no way for me to verify my own identity. Time after time all they did was try to get me off the phone. I asked for my call to be escalated. I asked to talk to a manager or a VP, but they all told me to wait on letter. That is just unacceptable. So basically, due to no fault of mine own, I've been locked out of my account with no possible way for me, my wife or daughter to use our card. I think all recordings should be reviewed. CITI has no interest in providing customer service to their loyal customers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76712
Submitted Via: Web
Date Sent: 2023-09-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-28
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: Bought tickets to an event that was a scam. It was a safety hazard, started late, ticket line was 4-5 hrs long, and security line was another hour. The third party ticketing site said they will buyers guarantee but did not honor their policy since the event was not as described. I eventually got into the event at XXXX and the event ended at XXXX, but left early anyways due to overcrowding and security hazards.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11375
Submitted Via: Web
Date Sent: 2023-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-29
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: As a result of my formal request having been made to " XXXX '' on XX/XX/2023 the request by me to send the disputed transaction to XXXX XXXX XXXX for arbitration has been ignored completely. As of this date, XX/XX/2023, I file the same request and file a grievance with the Consumer Financial Protection Bureau. I must be given written proof this step. Of relevance and for educational purposes, please locate and see the " Cardholder Disputes and Chargebacks '' at page 10 at XXXXXXXX XXXX XXXX XXXX XXXXXXXX. Attention - CitiBank - There is no logical reasonable reason that you're fighting me over XXXX dollars. I am not lying whatsoever in my dispute process. The unequivocal fact is that the XXXX Merchant controlled A FROZEN FAULTY COMPUTER AND PRINTER WHICH DID NOT WORK and my services WERE NOT RENDERED TO ME.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08753
Submitted Via: Web
Date Sent: 2023-09-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-30
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: Hello, this is XXXX XXXX, I have hearing problem, I call XXXX help is to difficult, I so apologize for the bank, I dont know why I sen {$500.00} say black cases, and I have call frist time, the manager said good, tell me all can send, I have money in my account more than {$500.00}, this is second XXXX, please help me, I need to pay my bills, the rental, i cant listhank you, please check how worong
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91776
Submitted Via: Web
Date Sent: 2023-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-29
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I opened a Citibank checking account promotion for XXXX AAdvantage miles on XX/XX/23. To qualify for the bonus, both must be posted within 90 days of opening the account : 1 ) Make at least 2 qualified ACH deposits equaling {$1000.00}. ( completed on XX/XX/23 ) 2 ) Make at least {$1000.00} in purchases using their Citibank debit ATM card. ( completed on XX/XX/23 ). Citibanks Terms and Conditions copied from this promotion : Your Checking Account must remain open until you are paid. To remain eligible, your Checking Account must remain open and in good standing from the time its opened until you receive your bonus. Your AAdvantage bonus miles will be credited to your AAdvantage account within 30 calendar days from the date you complete all Required Activities. Note : You will not fulfill the offer requirements if your Eligible Checking Account or AAdvantage Account are closed at the time the AAdvantage miles are credited to your AAdvantage Account. I inquired twice, after 30 days from the qualifying actions, and was told to wait up to 90 days. I called again on XX/XX/23, and the representative escalated my claim to the promotions dispute department after confirming that my bonus miles should have been awarded on XX/XX/23. Rep asked that I call back the following Friday, as disputes can take up to 5 business days. Today ( XX/XX/23 ), I was told the dispute was resolved on XX/XX/23 in my favor, and that I did completed the necessary activity to receive the bonus, and that my miles would be awarded. But that I must wait another 30 days to receive them. Unacceptable. My complaint : I do not believe Citibank had any intention of rewarding my miles. My account has been open for over 90 days, in good standing throughout. No action from Citibank would have occurred without my several inquiries. If a consumer must abide by the terms and conditions to qualify for a bonus, then the financial institution should be held to the same agreement they state in their terms to award their customers. I believe the funds in this account is being used for the benefit of Citibank, and extending this use for as long as possible without obligation to their consumers, nor an urgent resolution to restore consumer trust. I have all supporting documentation to support my complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 19702
Submitted Via: Web
Date Sent: 2023-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-29
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: There were 2 fraudulent charges made on my card on Saturday XXXX XXXX, XXXX of {$12000.00} and one of {$250.00}. I was not notified by Citi bank and the transaction was allowed and posted on my account, it was not flagged and I was not notified in any way. Even though this was a purchase in a state I have not visited and by far the highest single purchase I have ever made. Now Im over my credit limit and its affecting my credit score. Citi will not give me conditional credit whilst they undertake an investigation. I have checked my credit score and there is a warning for being credit limit and my credit score has actually gone down over XXXX points.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76107
Submitted Via: Web
Date Sent: 2023-09-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-29
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I'm responding to an email I received from citibank on this day, XX/XX/XXXX. ( See attached second to last attachment. ) I was not an unauthorized party. I, XXXX XXXX, am filing a complaint against citi bank for handling my fraud complaint abusively between the periods of early XXXX and present. I, XXXX XXXX am uploading documents newly requested of me by Citi Bank earlier today and I am writing that the CFPB complaint COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX was not submitted by an unauthorized party as was alleged to me through CFPB by Citi Bank XXXX That complaint had been submitted by myself, XXXX XXXX, and the bank never had reason to believe that it was not other than their greed and their pride from my complaining about their employees they are trying to confuse the situation about and cover up for. As stated in that complaint, the dispute of this transaction did not begin over telephone, it began the morning after the initial mugging I believe was on or around XX/XX/XXXX I reported in person at a citi bank that my card and my IDs and phones had been stolen. Because everything had been stolen, the bank threatened to call police on me and accused me of being an illegal immigrant who was underdressed. I was not underdressed and I was a XXXX citizen. The bank should have stopped the card on that day when I reported. I could recognize the employee who threatened to call police on me for having no ID if I saw him. He should not be employed. As result of his threat I was forced to return to the violent lease for my ID back. I was coerced to pretend to be the assailant 's wife and coerced to not mention anymore to citibank that I was a victim of violent crime. They did also lie that they did not say that the reason they denied the dispute was because the transaction was too large, because they did say that they would deny the transaction if it was too large unless I submitted the required forms, and because I submitted the required forms with proof of mail and citi bank repeatedly refused to respond to them or else explain why they were denied. They say that only certain documents are required by mail. I said have proof of mail that I submitted the documents. They used false phone conversations and abused me during phone conversations. They were XXXX trafficking me to my XXXX traffickers and threatening me with police when I reported in person or on the phone if in person. They are pretending that my in person report at the CitiBank in early XXXX of XXXX XXXX the morning after I was mugged of my card and keys does not exist. They refused to refund the transaction solely because the amount was too large in phone conversations as well for this transaction I am referring to on the bank statements that were requested. I was told the complaint was denied because I did not submit the correct form but then I submitted the correct form by mail and the bank is still pretending that when I sign the form my signature is obsolete. I have never given them sufficient reason to believe that I am not XXXX and citi bank does not have the mens rea to believe that I am not XXXX in their continued abusiveness towards me as a XXXX citizen or as a professional ( I happen to be licensed in fraud investigations ). They continue to treat me abusively and racistly as a lower class consumer to them only. The citi bank employees who coerced me into a dangerous situation by my assailants, including but not limited to white collar criminals, discredit my fraud report as a consumer and feel unduly powerful with obsolete and coerced statements against victims of XXXX trafficking whose speech is being purposefully and abusively contextualized to suit the banks agenda generally. For example, Citi bank is trying to humiliate me for the fact of my XXXX trafficking victimization throughout the entire fall of XXXX after I was already mugged of my IDs, XXXX, and attempted murder of. I have since collected back identification and they still pretend not to have received it. They XXXX be planning something diabolical against my person through their policing fraud threats about my true identity, which is the identity they know to be XXXX XXXX legally and this identity, my identity, is also federally licensed by a United States FBI agent through a training program with the XXXX XXXX XXXX XXXX XXXX. It is no coincidence that I was mugged by a released prisoner and stolen from in fall XXXX and Citi Bank 's negligence to stop my card or assist my fraud investigation resulted in the released prisoner becoming radicalized and ordering her associate to break my neck on XX/XX/XXXX. The transactions were unauthorized and were made by organized crime and conspiracy that CitiBank pretends to believe I have no education or knowledge for. The law firm mentioned on the transaction I'm disputing correctly as non-consensual or unauthorized even admits that they have no record of me or of the transaction when called. I also received confidential information from an intimidated victim witness other than myself pertaining to the alleged lawyer or that alleged identity XXXX on the bank statement. Again, I have never met this lawyer and I had not mentioned my situation of the fraudulent transaction to her but after it happened I found her and she started talking about how the alleged identity had aliases and how he had attempted murder of her with his car, but because of his white collar status he got the charged dropped and hired fake law enforcement to institutionalize and poison her with prescription and diagnostic fraud. Hence, whether she was telling the truth or not, the transaction is extremely suspicious as with the repetitive victimizations and stolen card that had occurred before. Because I mentioned violent crime and conspiracy after it first happened to the citi bank XXXX XXXX XXXX in person, and because citi bank 's first response to this report was that I was illegal immigrant ( my ID had been stolen along with the card ) and threatened me with police, I was coerced to pretend that I was the subletter 's wife who had mugged me to try to get any of my property back. I did not get it back and I was XXXX while I was trying to legally sleep in my own bed. As I was XXXX objectively forcibly at that time, the mugger and assailant I did not know was a serial XXXX ( XXXX XXXX ) was holding me down forcibly as I was saying please no please let me go and threatening to break my neck in her hand while she XXXX XXXX me ( according to my language ) with her other hand. The XXXX was painful to say the least, but also extremely violent and threatening. My card was used to pay a lawyer that same month but it XXXX have been XXXX XXXX who did that because XXXX was the person who introduced me to XXXX and who planned my XXXX. I know that XXXX XXXX is associated with XXXX only through social media. I do not know when or who swiped the card at what time, only that it was stolen from me and that I was attacked repetitively physically during fall XXXX. Citi bank could have stepped in when I first asked in person in XXXX of XXXX, but they with the American public generally pretend that my in person encounters with them have never existed, as well as that they retaliate me for my initial complaints and coerced recorded statements abusively since complaints of violent crime are always automatically discredited by them psychologically. They are not well. They pretend that my in person encounter with citi bank from when my card was first stolen did not exist, and they threatened me with policing and health fraud from trying to explain that my relationships to my XXXX traffickers were not consensual. I was a victim of repetitive victimization in fall XXXX that escalated into a violent attack against me by XXXX of the card thief 's associates on the morning of XX/XX/XXXX. I know that the assaulter was XXXX of the card thief 's associates because she referred to him, because I saw her on his social media, and because he had promised me that he would send her to XXXX me if I left him. I am referring to XXXX XXXX who is the false male alias used by XXXX XXXX in fall XXXX to defraud me into a sublease before stealing my property and before they were arrested for the murder of XXXX XXXX in XXXX, who I also knew. I have never met any lawyer or authorized representative of the alleged law firm that charged my card XXXX dollars. I do not know who authorized a transaction. I did not authorize the transaction and I can pass a lie detecter test also as a fraud XXXX as to this. The alleged law firm even stated to me explicitly that they had no record of the transaction. I had also received an anonymous tip online implying a massive fraud ring surrounding the transaction that I accuse of being fraudulent. My card was stolen and my identity was stolen repetitively by organized XXXX traffickers to include my biological mother, my ex husband XXXX XXXX, my mothers husband, my husbands friends, and multiple other paid assassins such as XXXX XXXX, XXXX XXXX, and XXXX Doll who broke my neck on XX/XX/XXXX, leaving me permanently XXXX since the re-break on XX/XX/XXXX. I am licensed in health care and criminal investigations and I am not lying or not possibly a target. I am actually a significant target of repetitive victimizations and high profile, white collar law enforcement professionals to include XXXX XXXX, who most directly assisted XXXX XXXX in stealing my valuables in fall XXXX. XXXX XXXX also had claimed to be a lawyer and appeared to have close ties with XXXX to retaliate me with in union square in fall XXXX. There was a moment where I thought I was free after the first attack by XXXX. I walked into the citi bank XXXX XXXX XXXX in New York XXXX. I remember the incompetent employee who threatened me well facially bit I do not remember his name. He appeared to a XXXX male. I explained respectfully to him that I had been mugged of all my cards, keys, and IDs. He only threatened to call police on me for appearing underdressed and refused to serve me. I was not underdressed. The phone calls that citi bank allege that I had with them are obsolete, and in the last letter they wrote to me they are pretending not to have read my cfpb complaint. They are also lying about what was said in the calls and in mail correspondence pertaining to the complaint, for which I was promised a refund and not an appeal of a denial but an actual refund pursuant to documents. They continuously pretend that I have never reported in person, but they also pretend that I have refused to submit the documents they asked. They continuously pretend that I have not submitted required documents even when I have, and they continuously attempt to criminalize, XXXX humiliate me, and threaten me with policing fraud and medical poisons ( diagnostic with prescription fraud ) from reporting violent crime in a so-called developed country. I have history of anaphylaxis and history of sudden unconsciousness ( beatings ) with near brain death. This has never affected my ability to report fraud or to investigate fraud professionally or as a consumer. I became a fraud XXXX for the purpose of bringing violent criminals to justice, not to steal from consumers or be accused of being an illegal immigrant by Citi Bank. I became targeted by fraudsters also because of my status as resident in health fraud investigations.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10013
Submitted Via: Web
Date Sent: 2023-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-28
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: i made 2 payments of {$20000.00} instead of 1 payment which was my statement balance. the company is refusing to credit back the second payment and has locked my card from making any further charges for 2 weeks even though my bank shows that my bank has made those payments to the credit card company on XX/XX/XXXXXXXX and XX/XX/XXXX. i made these requests on XX/XX/XXXX. the company also informed me that the refund will not be automatic and i will need to recontact them in 2 weeks.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37066
Submitted Via: Web
Date Sent: 2023-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A