Date Received: 2023-09-15
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: This dispute is against Universal Citibank card. They dramatically increased my interest rate after 20 years because of a recent forgotten late payment. The CFPB says they can't do that if paid within 60 days. They have so far not offered a reasonable explanation. All they said was it wasn't illegal, which is not true.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 720XX
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-15
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: Home Depot told me my social came up under somebody elses name that I need to report it
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ID
Zip: 83301
Submitted Via: Web
Date Sent: 2023-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-15
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I walked in to Citi Bank the XXXX Branch to do a wire transfer Im buying a house and needed to wire the money to escrow a white male asked me if I needed help I told him I wanted to do a wire transfer, so he sat down on his desk and he said our wire system is down and he was going from one place to another and refused to help me and he said call customer service they will help you and I asked him whats the number he said look at your card its on the back, complete discrimination, I am XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive dealt with so many Banks and Banker but never felt so disrespected in my life and distressed because I had a dead line and he didnt help me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92504
Submitted Via: Web
Date Sent: 2023-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-15
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: Citibank checking account. XXXX fee disclosures stated a XXXX $ monthly maintenance fee will not be charge if XXXX ) maintenance a balance of {$1500.00} or XXXX ) have XXXX monthly deposit. I opened my account to receive monthly social security benefits as I am retiring. I will not receive my first paymen until XX/XX/2023. I maintained my account balance at XXXX for the first month but on the XXXX month I was hit with the fee. I called them and they said my account balance dropped to XXXX But this decrease was due to them improperly charging me the fee. I should had never been charged this fee. I asked for a reason why it happened and they were not able to response and did not know why it happened. I am retiring soon and keeping a close eye on my account as every XXXX matters. If this is happening to me. Other seniors would be affected and not realize. This is completely unethical and improper to do to anyone especially when I'm a senior citizen and indicated that I'm opening the account to recieve social security benefits. It made me feel that they're were trying to take advantage and see if they could get away from it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20903
Submitted Via: Web
Date Sent: 2023-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-15
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am writing to report an incident of identity theft that has caused significant distress and financial harm. My personal information was illegally used without my consent, resulting in unauthorized transactions and suspicious activities on my accounts. I have taken immediate steps to secure my financial assets and filed a report with the Federal Trade Commission ( FTC ). I am seeking your assistance in investigating this matter and apprehending the individuals responsible. Thank you for your prompt attention to this issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30038
Submitted Via: Web
Date Sent: 2023-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: inaccurately reporting on my credit profile. I do not owe on this debt
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94565
Submitted Via: Web
Date Sent: 2023-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-16
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I responded to preapproved Citibank credit card offers I received via mail. I was declined when I applied on XX/XX/XXXX [ Hard inquiry on XXXX ]. Then in early XXXX I received another preapproved offer. It was for a different card, so I thought maybe they were qualifying me for a different card??? Declined again on XX/XX/XXXX... I then realized I have a 2nd Hard Inquiry ... .but on XXXX XXXX So 2 hard inquiries and I get nowhere. On XX/XX/XXXX I finally called them because I've received 2 MORE PREAPPROVED OFFERS... they gave me the run around, said a supervisor would call me back within 2 days ... never happened. I received ANOTHER CITI Custom Cash Card Preapproval on Wed, XX/XX/XXXX, so I called again TODAY... finally got to a supervisor... they put it all as my fault when it is not. I am being victimized ( yes, I've both gone online to OPT out and called to OPT out of screenings/offers... but Citi doesn't seem to care and now that they have hurt my credit with 2 hard inquiries and I have even more preapprovals from them and they don't care that they are victimizing me and my credit score ... tell me it's my problem they didn't do anything wrong. I did my research ... and checked my 'soft inquiries ' on all 3 credity bureaus ... CITI has never done a soft pull to preapprove me ... so that eliminates that being their source. I think they are violating numerous consumer protection laws by fraudulently sending me preapprovals when they've declined me 2 times. I have to take a stand. They are obligated by the Office of the Comptroller of Currency to ensure they are utilizing valid data on any preapproved or prescreening Solicitation campaigns. They have violated my rights and, refuse to do anything. I asked that they remove my name from everything related to Citi, they remove the 2 hard inquiries, and that they further carefully reevaluate their credit card solicitations to minimize exactly what I am experiencing. They refused to do anything whatsoever, including excluding me from any solicitations from Citi. Please help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: 67218
Submitted Via: Web
Date Sent: 2023-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-16
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: there are five hard inquiries on my credit report from XXXX... please remove them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10314
Submitted Via: Web
Date Sent: 2023-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-16
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/2023, I submitted a payment of {$640.00} from a checking account ending in [ ask if needed ] which had XXXX XXXXXXXX on it to Citi Bank to pay my balance and keep my account funded. After a few days, I recognized a Return Check Fee. Confused to why that would be I would call Citi Bank for the first time on XX/XX/XXXX inquiring about the fee and why. The person on the phone did not explain the fee after I constantly asked why and I asked to get it waived which they agreed to do, I just had to wait until my statement posted on XX/XX/XXXX. Waiting until XX/XX/XXXX I would call Citi again as I noticed that another returned check fee appeared again. This agent wasnt informed on what it was either and once again said that when my statement is posted, they will reverse it and my account will be reflected to show the proper balance. So I wait until the next day where I receive an email saying a Replacement Payment is required. So I call Citi to ask about that as well as with an agent on the phone saying my account is fine all I have to do is make a payment. I used my account Ive been using with Citi to make payments to make a payment of {$680.00} which XXXX XXXX confirmed on a call I had with them minutes prior that they see the payment and it will be released, everything is all set. Hours later, I check my Citi account is closed with no notification after being strung along for a week and lied to before the account was randomly closed after taking a {$680.00} payment from me verbally after going through their verification process on each call. I reached out to Citi Executive Response Unit to explain the situation and they made a case to investigate it under the case number [ ask if needed ]
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10001
Submitted Via: Web
Date Sent: 2023-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-16
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: please remove any hard inquiries off my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10314
Submitted Via: Web
Date Sent: 2023-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A