Date Received: 2023-09-22
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: Hi My renewal credit card from Citibank ending with XXXX was not received in mail box. It was compromised somehow by a thief who got the card. The thief used my card and spent around USD XXXX without my approval of course. I blocked the card and disputed the charges. The bank is not cooperating as expected. I am seeking you kind help. Thanks XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27606
Submitted Via: Web
Date Sent: 2023-09-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-22
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: In XX/XX/XXXX, I cut a check in the amount of {$26000.00} to clear my outstanding balance with citicards. My intent was to make a lump sum payment in full to avoid more charges and fees. Concurrently, I called customer service about {$310.00} for additional interest charges. I explained that both XXXX XXXX and XXXX XXXX XXXX did not add over-charges so consumers had a choice to pay up, if they so desired. If the majority credit card industry allowed their users to pay off their current bills, Citibank should do the same thing. Unfortunately, the argument went to deaf ears. I also reminded them that I had been a royal customer with good standing since XXXX. They refuse my plea so I just walked away from using their charge card with a bitter taste in my mouth since. Last month they had their debt collection partner threatened me with legal action with a court order. Reluctantly and under duress, I cut a check for {$310.00} in full payment but they refuse to go away.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 088XX
Submitted Via: Web
Date Sent: 2023-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: To : Citibank , N.A . From : XXXX XXXX cc : XXXX XXXX, XXXX. Notice of case assignments for my filing demands for consumer arbitration with XXXX. To : XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX. From : XXXX XXXX. Please take notice that on XX/XX/2023, I filed multiple comprehensive Consumer Demands For IN-PERSON Arbitration with XXXX which have been assigned case numbers. Citibank was served on XX/XX/2023 with all my individual case filings and Citibanks other counsel has been communicating with XXXX to, among other things, pay 100 % of the filing and arbitrators fees. The arbitration cases relate to every Citibank account which has been assigned to you as a Debt Collector, Including your files with reference numbers XXXX and XXXX. I write to you as a courtesy so you can immediately communicate with your client to avoid duplicate, wasteful, unnecessary and improper barred communications for matters NOW handled by other law firms of Citibank. I am confused that Citibank has assigned the same accounts to multiple law firms but some day Citibank may get its ducks in a row. As you know, I have been demanding for almost a year that Citibank file its claims with the XXXX pursuant to the arbitration provisions. Due to Citibanks failure to file its claims with XXXX, I had no other choice but to file claims myself as Claimant. I strongly suggest that you promptly recommend to your client and get its approval to voluntarily dismiss all pending state court actions without prejudice to mitigate damages. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32836
Submitted Via: Web
Date Sent: 2023-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-22
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: On XXXX, XX/XX/XXXX I received a text message : Free Msg Citi : Card XXXX. We're unable to process the charge for {$24.00} at XXXX XXXX XXXX on XXXX. Your temporary card information only works for certain purchases. To remove purchase limitations, activate your new card once it arrives. If the card isn't received 10 days from account opening, call XXXX. Reply STOP to Opt-Out of account servicing msgs On XXXX, XX/XX/XXXX I received : Free Msg Citi Card XXXX. Did you attempt {$530.00} at XXXX XXXX on XXXX? Yes=1, No=2. Access acct / contact us at Citi.com. Reply STOP to Opt-Out On XXXX XX/XX/XXXX I received a XXXX delivery with a brand new XXXX XXXX XXXX credit card which I did not sign up for! I contacted Citi and they have closed the account. All of the information on the account was correct but not set up by me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37086
Submitted Via: Web
Date Sent: 2023-09-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-22
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Dear CFPB, Best Buy is adhering to the protection order for credit reporting under the statute below, SEC, XXXX Credit Protection During Covid-19. On a recorded line, I contacted the Best Buy customer service team, and they stated my account was moved to collections. No delinquency can be reported to the following credit agencies until after my budget 's XX/XX/XXXX due date. Credit reporting We're required by the Fair Credit Reporting Act to report all account information accurately to the consumer reporting agencies. XXXXXXXX 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 XXXXXXXX, PA XXXX XXXX innovis.com SEC, XXXX Credit Protection During Covid-19. ( Please review the attachment - 120 days after the end of the Pandemic, all creditors must refrain from reporting delinquency or modifying terms up to 120 days after the end of the COVID-19 Pandemic. ) Please review the official start day of COVID-19 by the World Organization of Health ( Started XX/XX/XXXX ) Please check the official end day of COVID-19 by the CDC - ( the Covid-end date was XX/XX/XXXX ) Regards, XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30126
Submitted Via: Web
Date Sent: 2023-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-22
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Complaint Against : Citibank N.A. Citibank N.A Savings Acct # XXXX Regarding Citibank Legal Fee Charges : {$120.00} On XX/XX/2023 ( incident took place on XXXX XXXX ), I became aware that there had been two debts from my savings account. One in the amount of {$1400.00} and {$120.00}. I inquired into the reason for the two debts was due to a Earnings Withholding Order for Taxes from State of California XXXX XXXX XXXX ( FTB ) - issued on XXXX XXXX. Noting : Citibank had received the XXXX notice on XX/XX/2023 - and took action on XX/XX/2023 ; more than 90 days pasted.. Note : There was no legal authority in place for Citibank to take action - XXXX resending withholding order XXXX months prior to the date of XX/XX/2023. After contacting XXXX - XXXX contacted Citibank and on XX/XX/2023 the {$1400.00} was credited back my savings account - but ; not the {$120.00}. Citibank was negligent in not verifying with XXXX after more than 90 days pasted ( according to XXXX ) to verify legal authority. I have been unable to address the issue with Citibank- thus, reason for soliciting third party mediation to resolve refunding back of {$120.00} XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90807
Submitted Via: Web
Date Sent: 2023-09-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-22
Issue: Problem caused by your funds being low
Subissue: Bounced checks or returned payments
Consumer Complaint: My Citibank checking account was hacked in early XXXX of 2023. Three fraudulent checks were deposited to the account by an unknown person on XX/XX/XXXX. Four Zelle payments were paid by an unknown person on XX/XX/XXXX. I found out on XX/XX/XXXX that this had happened when I tried to access the account on my phone and my computer, and it had disappeared from the list of accounts. All of the checks bounced resulting in an overdraft of the account. The bank took over {$3000.00} from my savings to cover it. I was not aware this was going on until the damage had been done. I was not involved in any of the transactions nor do I know who did this. I have just requested my fourth investigation because I don't know what they did during the previous three investigations. I was told the information was encrypted for my protection. I have reported this to the police, the Attorney General of Illinois, and frozen my credit bureau accounts. I am very frustrated by customer service, and angry about being made to feel like a criminal instead of a victim. I would like the funds restored to my account. This has been going on for almost 4 months. I have talked to over 30 people in customer service, have been to the bank numerous times, and have a stack of letters and documents. i don't know where to turn
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60056
Submitted Via: Web
Date Sent: 2023-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-22
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I wrote several letters to best buy on XX/XX/23 and XX/XX/23 to remove my transactions and experience off my credit report. I did not give them permission to share my information and by Law it is against the law. It is considered identity theft if they don't have me sign 3 forms of paperwork to allow them to do it. Best Buy is illegally reporting the experience ( utilization ) and transactions ( history ). The company is in clear violation of the law. pursuant 15 USC 1681a 2 ( a ) ( i ) which states ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. They are in violation of the FCRA 15USC 1681a 2 ( a ) ( i ) by reporting experience and transactions on my consumer report which CONGRESS clearly states IS NOT INCLUDED on my consumer report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85323
Submitted Via: Web
Date Sent: 2023-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-22
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I opened an account with Citibank in response to their reward offer for {$1000.00} for a new account. I used my XXXX account to fund the Citi account and deposited almost {$200000.00}. I tried to make a transfer of {$9900.00} back to my XXXX account and I was blocked out of my Citi account due to suspected fraudulent activity. It has now been almost 2 weeks that I have been unable to access my funds and yesterday their team told me that they would be taking 30-60 days to review my account before closing it. They said during this time I can have no access to my money. This is not okay because it is all of my money and I am in the middle of a remodel project.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78757
Submitted Via: Web
Date Sent: 2023-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-22
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Dear CFPB, Home Depot/ Citibank is not adhering to the protection order for credit reporting under the statute below, SEC , 4021 Credit Protection During Covid-19. I contacted Home Depot customer service on XX/XX/XXXX, over the phone on a recorded line. I was told that the COVID-19 pandemic ended in XXXX. No delinquency can be reported to the following credit agencies until after my account 's XX/XX/XXXX due date. Credit reporting We're required by the Fair Credit Reporting Act to report all account information accurately to the consumer reporting agencies. XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, PA XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, PA XXXX XXXXXXXX XXXX SEC, 4021 Credit Protection During Covid-19. ( Please review the attachment - 120 days after the end of the Pandemic, all creditors must refrain from reporting delinquency or modifying terms up to 120 days after the end of the COVID-19 Pandemic. ) Please review the official start day of COVID-19 by the World Organization of Health ( XXXX XX/XX/XXXX ) Please check the official end day of COVID-19 by the CDC - ( the Covid-end date was XX/XX/XXXX ) Regards, XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30126
Submitted Via: Web
Date Sent: 2023-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A