Date Received: 2023-09-08
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: Dispute Over Unresolved False Charge on Citibank Account XXXX XXXX XXXX, 2022, for {$130.00} There was false charge that appeared on my Citibank account on XX/XX/2022, for an amount of {$130.00}. Despite my efforts to have this issue addressed, the matter has remained unresolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90037
Submitted Via: Web
Date Sent: 2023-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-08
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I was called and offered a credit card at No Intrest For EVER if I transfered my balance from another card. I didn't believe it and turned them down MULTIPLE Times Before I call the company and inquired if this was true. They Assured me MULTIPLE TIMES IT WAS TRUE. Now I find it was an outright lie and I am about to begin incurring intrest.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97306
Submitted Via: Web
Date Sent: 2023-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-08
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I had a credit card account with Citibank which went into collection. The collection was assigned to XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) to collect on behalf of Citibank the last XXXX digits of the account are XXXX. The amount of the debt was {$4200.00}. I made monthly payments to XXXX from XX/XX/XXXX in the amount of XXXX until XX/XX/XXXX. The total amount paid to XXXX is XXXX. Citibank reassigned to account to XXXXXXXX XXXX to continue with the recovery of the debt. I have paid XXXXXXXX XXXX {$2700.00} at the rate of {$98.00} per month from XX/XX/XXXX until XX/XX/XXXX. The total paid to both collection agencies is {$4200.00}. These funds were sent to Citibank. In XX/XX/XXXX I called client services to check on the remaining balance. The told me at the time that the remaining balance was {$1600.00}. They had no records of payments made to XXXX. I was instructed to contact Citibank Resolution Services at XXXX to investigate what happened to the payments made to XXXX. XXXX does not appear to be in business any longer. Citibank has no records of payments made before XX/XX/XXXX. I have been paying on this account since XX/XX/XXXX. Citibank has been called several times about this and all they will tell me is that there is a dispute.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89406
Submitted Via: Web
Date Sent: 2023-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-08
Issue: Problem with a company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: I've tried contacting CBNA, Wayfair, as well as Citi Bank concerning their fraudulent reporting they've been placing on my credit report. I've called and disputed this since XX/XX/2023 to no available helps, no agent has been able to even confirm the account. According to their reporting to XXXX, they are making claims to have confirmed the accuracy while indeed it is fraud. I don't nor have I ever held an account or authorized use with Citi Bank, Wayfair, or CBNA or authorized the use of my information as a co-signer/authorized user. It's been incredibly frustrating getting this removed from my credit report and to keep my score from dropping. The card number provided by CBNA via mailed letter, has not been able to be located nor my information as a whole. The company has sent a letter but the contact number listed, they have said there is no account with my information. Incredibly confusing, enraging, and frustrating to say the least. I do not live in the state in which the account was opened. I did not authorize my information to be used. The company was not able to locate the account number sent via mail and multiple employees as well as managers on a recorded line are saying the account doesn't exist yet it is on my credit report and causing my score to drop in large numbers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 99216
Submitted Via: Web
Date Sent: 2023-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-08
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I signed up for a credit card with Citi. The card has an annual fee. The bank never sent my credit card. But the annual fee was still charged and a late fee assessed. Because I never received the card, I assumed the account was never opened. I've contacted Citi and have spent 90 minutes in customer support XXXX. I'm trying to close my account. The agent refuses to let me close the account. They continually try to upsell me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78741
Submitted Via: Web
Date Sent: 2023-09-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-08
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/XXXX of 2023 I applied for a job as " XXXX XXXX XXXX '' for the " XXXX XXXX XXXX '' through XXXX. After back and forth with their representative I was notified of my acceptance for the position on XX/XX/2023. After filling paperwork and providing them with a copy of my driver 's license the company informed me that they would be sending me a check for {$4900.00} to deposit into my checking account to pay their " vendor '' for the necessary equipment for the position. This struck me as odd and even odder that they wanted me to pay through XXXX. On XX/XX/XXXX I made the deposit into my checking account at Citibank and immediately called Citibank as I was suspicious that this check appeared fraudulent. I informed them of the whole situation and my suspicion that this was part of a scam. Citibank informed me that their systems were reading it as a real check, connected to a real account with the necessary funds. I still waited 24 hours for Citibank to finish processing. On XX/XX/XXXX I proceeded to call Citibank again to verify the authenticity of the check. It was on this call that Citibank once again verified the authenticity of the check and informed me that it was safe to transfer the money to the account in question. I made sure to note for a second time that I felt that this might be a scam and they assured me that my personal finances were safe and protected incase this was in fact a fraudulent check. After that call I made a {$2000.00} transfer to the XXXX they requested ( XXXX account " @ XXXX '' ) and since their was a limit on the amount, the rest of the {$2900.00} was sent to a secondary account they provided through XXXX to a XXXX XXXX ( email address XXXX ). I proceeded to call Citibank on XX/XX/XXXX to continue verifying the authenticity of the check and state my suspicion and worry. On XX/XX/XXXX the company " XXXX XXXX XXXX '' reached out to me stating they hadn't sent enough to the vendor and that they would be sending me another check for {$4500.00} to have me deposit in my checking account and pay the " vendor ''. I deposited the check into my accounts and immediately called Citibank, I informed them that I was beyond certain that this was bank/checking fraud but they continued to inform me that the checks were real and that my accounts were protected. At this point I held the remaining {$4500.00} in my account without dispersing them. As I was afraid that despite Citibanks assurances and insistence that these checks were real, it could not be. On XX/XX/XXXX Citibank cleared the check in my account again and I proceeded to call them and assert my suspicion of fraud despite their promises. I informed them to stop the XXXX and XXXX transfers on my end. I filed an FTC report ( Report Number XXXX ). I notified XXXX to stop the transfer of any money under the suspicion of fraud ( Case Number XXXX ) On XX/XX/XXXX I finally had the time to go over to my local Police Department XXXX XXXX XXXXXXXX XXXX ) and file an official report of suspected fraud ( XXXX ). I proceeded to call Citibank and inform them that an official police report has been filed, yet again Citibank refused to take the situation as seriously as I had hoped they would. Later that day I was instructed by contact at " XXXX XXXX XXXX '' to send the {$4500.00} in question to the XXXXXXXX XXXX account of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I did not, and have not transferred that money. On XX/XX/XXXX I had the time to call the XXXX, XXXX branch office of the FBI. It was then that they informed me I should call the bank the checks were issued from ; XXXXXXXX XXXXk. After disconnecting from them I reached out to XXXX Bank, who finally checked into my suspicions and confirmed with me that the account was real but the name on the account was fraudulent and to send them all the information I had on the case. They then opened an investigation. On XX/XX/XXXX without so much as a phone call Citibank bounced the checks and deducted the money from the accounts, leaving me {$4900.00} negative despite all of their assurances. At every step of the way I informed Citibank of possible fraud and they assured me I was safe every single time. Every conversation with Citi has been noted and recorded, yet they are still saying we are liable. Every transfer made was noted through Citibank with a phone call. It is the job of the bank to protect its client from fraud, and they failed us at every step. While {$4900.00} may not seem like a lot to the bank, it is a lot to me and my family.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 079XX
Submitted Via: Web
Date Sent: 2023-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-08
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: On Wednesday, XX/XX/XXXX, I attempted to log in to my CITI account. Previously, I was able to log in and access both my CD account and credit card account under the same log in. I spent at least 3 hours on the phone, being bounced around between departments and people. I spoke to at least 10 different people on the phone and even more through their chat services. After wasting half of my day to this, I was finally able to log into my account again, but found I was only able to see my credit card. On XX/XX/2023 and XX/XX/2023 I have tried 10+ times each day to attempt to regain access to my CD. However, nobody has been able to help me. Everyone just transfers me to someone else. Nobody is able to tell me what has happened either.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27607
Submitted Via: Web
Date Sent: 2023-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-08
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: In XX/XX/XXXX I opened secured credit card with Citi Bank. Secured means I had to put {$2000.00} deposit on it, which I suppuse to get back once the card transition into regular Diamond Preferred card. As of now - XX/XX/XXXX I haven't received my deposit back. I'm calling twice a month for an update, usually spend XXXX hours on the phone- only to be told they're still investigating and I should get an update soon. With that being said- they're using my money for free since XXXX years. If I borrowed {$2000.00} from Citi at their current rate for XXXX years - I would have to give back another {$2000.00} by now. So I don't understand why they keep using my money and refuse to give it back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10025
Submitted Via: Web
Date Sent: 2023-09-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-08
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: When acting in good faith I was denied credit by citi.when i was applied for a credit card. I overstand my rights has been violated under 12 cfr 1002 regulation ( B ) Denial of credit. It clearly states any applicant that applies should not be denied when acting in good faith..
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95206
Submitted Via: Web
Date Sent: 2023-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-08
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Motivated by laziness and a disgusting belief Citi is allowed to willfully break US federal law so long as they have an offshore team, a rogue and corrupt Citi employee refused to transfer me to the fraud department to resolve an ongoing issue that needed me to be able to speak with them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28208
Submitted Via: Web
Date Sent: 2023-09-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A