Date Received: 2023-08-30
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I previously made a complaint about this disputed transaction and still unhappy with the outcome. They gave me provisional credit and charged me back again. The issue is that I disputed the transaction of {$50.00} because the merchant refused a refund. I did not receive the service as promised, so I disputed my transaction with my bank and I later got a letter with the final decision and they did not get my funds back because they said there was enough information to support my claim. I also emailed them all the information they asked from me. The transaction details are Date : XX/XX/2023, Amount {$50.00}, XXXX XXXX XXXX XXXX XXXX XXXX. The second time around they sent me another letter saying they were charging back the provisional credit because there was still not enough information. They asked for the same information and I sent them all the information they needed through email. I am not sure why they keep refusing my dispute when my claim is valid. I am not satisfied with the service and the decision they made.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91352
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-30
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I have XXXX Citi cards with the Thankyou rewards were merged together. After I closed my account, 1 ) I was not noticed the points will expired 2 ) I confirmed with the agent, with merged account, the points will not expire. Now I lost {$4000.00} value of points without notice.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94536
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-30
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In Regards to CITI XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I am writing to file a formal complaint against CITICARD, collectively referred to as CITI hereinafter, for major violations of consumer reporting laws as outlined in the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and other relevant statutes. I have found numerous inaccuracies and unauthorized reporting on my consumer report, which have had a significant impact on my financial well-being. Upon reviewing my consumer report, I have identified several instances where CITI has reported late payments, amounts, balances, dates, and other personal information without obtaining my explicit consent. These actions are in clear violation of 15 U.S.C. 1681c, which mandates that consumer reporting agencies must ensure the accuracy and relevance of the information they report. Furthermore, CITIs unauthorized disclosure of my personal information to third parties raises concerns under 15 U.S.C. 1681b, which requires that consumer reporting agencies obtain permissible purposes before disclosing consumer information to any third party. Moreover, my rights to privacy are protected under 15 U.S.C. 1681a ( q ), which acknowledges the significance of safeguarding consumer information and ensuring that it is used only for legitimate purposes. The unauthorized dissemination of my personal data by CITI violates these privacy rights and undermines the principles of data protection enshrined in the law. Additionally, CITIs reporting of my consumer account as late for reasons not justified by a delay in payment violates the provisions of 15 U.S.C. 1666b. This statute prohibits treating a consumer account as late on an open-end consumer credit plan without reasonable cause. The unauthorized designation of my account as late without valid reasons further compounds the violations committed by CITI. I kindly request that the following actions be taken : 1. Immediate removal of all inaccurate and unauthorized items from my consumer report, as mandated by 15 U.S.C. 1681i. 2. Cease and desist selling or disclosing any debts, personal information, or other relevant data pertaining to me to any third parties, both in the present and future, in accordance with 15 U.S.C. 1681c. Furthermore, I am aware of the consumer law provisions regarding willful noncompliance ( 15 U.S.C. 1681n ) and civil liability for willful noncompliance ( 15 U.S.C. 1681o ). Given the egregious nature of the violations committed by CITI, I am prepared to pursue legal action to seek damages for the harm inflicted upon me due to their deliberate noncompliance with consumer reporting laws. I appreciate your attention to this matter and kindly request a prompt investigation into my complaint. If necessary, I am prepared to provide additional documentation and information to support my case. Let this serve as notice to CITI, XXXX, XXXX, and XXXX that I am prepared to fully exercise my rights and will pursue damages to the full extent of the law. Thank you for your time and consideration.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 36532
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-30
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In Regards to CITI XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I am writing to file a formal complaint against CITICARDS, collectively referred to as CITI hereinafter, for major violations of consumer reporting laws as outlined in the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and other relevant statutes. I have found numerous inaccuracies and unauthorized reporting on my consumer report, which have had a significant impact on my financial well-being. Upon reviewing my consumer report, I have identified several instances where CITI has reported late payments, amounts, balances, dates, and other personal information without obtaining my explicit consent. These actions are in clear violation of 15 U.S.C. 1681c, which mandates that consumer reporting agencies must ensure the accuracy and relevance of the information they report. Furthermore, CITIs unauthorized disclosure of my personal information to third parties raises concerns under 15 U.S.C. 1681b, which requires that consumer reporting agencies obtain permissible purposes before disclosing consumer information to any third party. Moreover, my rights to privacy are protected under 15 U.S.C. 1681a ( q ), which acknowledges the significance of safeguarding consumer information and ensuring that it is used only for legitimate purposes. The unauthorized dissemination of my personal data by CITI violates these privacy rights and undermines the principles of data protection enshrined in the law. Additionally, CITIs reporting of my consumer account as late for reasons not justified by a delay in payment violates the provisions of 15 U.S.C. 1666b. This statute prohibits treating a consumer account as late on an open-end consumer credit plan without reasonable cause. The unauthorized designation of my account as late without valid reasons further compounds the violations committed by CITI. I kindly request that the following actions be taken : 1. Immediate removal of all inaccurate and unauthorized items from my consumer report, as mandated by 15 U.S.C. 1681i. 2. Cease and desist selling or disclosing any debts, personal information, or other relevant data pertaining to me to any third parties, both in the present and future, in accordance with 15 U.S.C. 1681c. Furthermore, I am aware of the consumer law provisions regarding willful noncompliance ( 15 U.S.C. 1681n ) and civil liability for willful noncompliance ( 15 U.S.C. 1681o ). Given the egregious nature of the violations committed by CITI, I am prepared to pursue legal action to seek damages for the harm inflicted upon me due to their deliberate noncompliance with consumer reporting laws. I appreciate your attention to this matter and kindly request a prompt investigation into my complaint. If necessary, I am prepared to provide additional documentation and information to support my case. Let this serve as notice to CITI, XXXX, XXXX, and XXXX that I am prepared to fully exercise my rights and will pursue damages to the full extent of the law. Thank you for your time and consideration.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 36532
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-30
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have made ( XXXX ) payments to Citibank over the last week ; {$500.00} on XX/XX/XXXX, {$500.00} on XX/XX/XXXX and {$1000.00} on XX/XX/XXXX. The funds have been withdrawn from my checking account at XXXX XXXX and Citibank has received them however my payments have not been applied to my available credit. I'm told the payments have a hold for a week because of the " high payment amounts ''.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92656
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-30
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Once again, XXXX is providing fasle information and furnishing it on my credit report. This is the three times this week and seven time this month. totalling ten times have had to deal with this. At this point, they are falsifying information about me and my next today is to file a suit against them to compensate me {$1100.00} for each they have provided me with this information. I also, want them to pay for my attorney and for the fee to hire a credit repai company to help handle this. The lender Citibank CBNA has confirmed my amount due but transunion has reported several times on their montioring website incorrect amount dues and its affecting my ability to get funding. They are reporting now XXXX before it was {$5000.00} and it should be {$290.00} dollars. I filed a complaint that it shoild if been {$2000.00} but that was XXXX bill but by the time they respond it is another amount. I filed several complaints and it seems that they close out a complaint before the comsumer has comfirmed what they said was done was actually done. Nonetheless, this is very stressful and time consuming and its cost more money to actually get results I have submiitted the credit report, the bank statement as well as circled what is in questioned.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10465
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-30
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/XXXX I received a suspicious or obviously malicious email. I forwarded it to XXXX XXXX XXXX ( XXXX ) for analysis. The best way to report this was to simply forward the suspected phishing email to XXXX Forwarding suspected phishing emails to XXXX contributes to fraud and crime prevention services to protect users and track criminal activity. By submitting information to XXXX I give XXXX permission to save the email in its entirety for these purposes. All data is handled responsibly and under contract with the XXXX vetted member community. View the full XXXX privacy policy here XXXX XXXX XXXX In XXXX, Congress expanded the FTC Act to not only prohibit unfair methods of competition but to also prohibit unfair or deceptive acts or practices in or affecting commerce to allow the FTC to directly protect consumers. See 15 U.S.C. 45 ( a ) ( Section 5 of the FTC Act ). These procedures provide information regarding the applicability of Section 5 of the FTC Act. In XXXX, Congress passed the Dodd-Frank Act. Section 1036 of the Dodd-Frank Act prohibits a covered person1 from engaging in unfair, deceptive, or abusive acts or practices ( Dodd-Frank UDAAP ). See 12 U.S.C. 5536. Section 1031 of the Dodd-Frank Act provides authority to the Consumer Financial Protection Bureau ( CFPB ) to promulgate rules identifying such acts or practices as unfair, deceptive, or abusive in connection with consumer financial products and services generally. See 12 U.S.C. 5531. These procedures also provide information regarding Sections 1031 and 1036 of the Dodd-Frank Act.2 The legal standards for unfair and deceptive under Section 5 of the FTC Act and the Dodd-Frank Act are substantially similar. Further, the legal standards for unfair, deceptive, or abusive are independent of each other. Depending on the facts, an act or practice may be unfair or deceptive or abusive or any combination of the three, or not constitute a violation. On XX/XX/XXXX I recieved an email with Social Security logo on the letterhead. Beneath the logo was a XXXX XXXX. : XXXX. Then the word Alert! then my email address. Then, in the body of the letter it starts : " This is to notify you that your Social Security Number has been terminated due to suspicious activities found during our investigation. You should not use this number for any future transactions. '' Then it says : ( To know the reason of the termination in details ) call toll free number XXXX ( XXXX ) XXXX and I did. A XXXX XXXX XXXX answered my phone call. He transferred me to a XXXX XXXX XXXX. He asked me did I have a bank account. I said yes. He said he needed me to get XXXX remote desktop application from the XXXX store and upload to my XXXX. I did. He wire transferred the moneys in question. I am showing in this complaint - that the domestic wire transfer of XXXX from my Citibank 's personal checking account was for {$5700.00} plus {$25.00} bank wire fee, along with {$500.00} XXXX transfer to an XXXX XXXX at XXXX by a XXXX XXXX at XXXX ( XXXX ) XXXX were acts or practices that are consumer-oriented, and have a White Collar Crime flavor that was misleading in a material respect, ( The SSA letter ) and that I am the victim and was injured as a result of this deception. The {$5700.00} was wired to XXXX XXXXXXXX XXXX routing # XXXX and to account XXXX. Citibank 's XXXX ; Citibank 's General Counsel and several others has been informed but to no avail. The New York Attorney General also has the power to enjoin deceptive consumer practices or to initiate enforcement actions against any person or business that engages in deceptive acts or practices or false advertising. The harm totals {$6200.00} which needs to be returned to my Citibank checking account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08757
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-30
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: Two separate issues I have that need to be addressed. First, I signed up for the checking account with the stated bonus of XXXX XXXX XXXX miles after completing 2 Enhanced Direct Deposits combined of at least {$1000.00} and spending {$1000.00} on my debit card. The terms attached state that I have 90 days to complete the terms from account opening but then when all terms have been met the bonus will be deposited to my AA account within 30 calendar days from meeting the terms. I spoke with the chat team on two separate occasions which confirmed that I met the terms, and I should see the miles within the end of the week of XX/XX/XXXX. I completed all terms on XX/XX/2023, and the miles should have been deposited by XX/XX/XXXX. They did not appear by XX/XX/XXXX, which was quoted to me by two agents, so I called in. This time I was told it is 90 days + 30 which is not what the terms I have attached say at all. Citi is breaking their own agreement with me. Now the second issue has popped up right after I called in to complain about Citi not honoring the terms of the agreement we had about the miles. Now my account access is blocked, and I can not get into my account. Not one email or phone call from Citi to let me know anything was going on. I only found out about this because I had made a payment out of the account on XX/XX/XXXX that I was contacted by the merchant telling me it was refused, and I needed to make arrangements with them to cover the balance. So, I contacted Citi by phone on XX/XX/XXXX and was put into a conference call with the fraud department with an agent named XXXX. She only asked for my phone number on file which I gave, and she said they could not verify my account through that phone number and that she has no other options to verify me and then proceeded to hang up on me. Terrible customer service and now I am locked out of my account with no recourse. If they are not honoring the payments I have coming out of my account, I have a balance of {$1000.00} they are holding hostage. I have companies that are contacting me now to make good on payments that I have adequate funds for in this account and I am afraid if this isn't resolved I will be sent to collections when this wasn't my fault to begin with. On top of that, the terms for the checking bonus state that my account must remain in good standing to receive these miles and feel this is a way for Citi to try and have claim to deny what I have rightfully earned.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85048
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-30
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: Know Your Customer - The account as been blocked for 144 hours when they stated the account would be blocked for 24-48 hours as they updated the records on missing information I provided. Before the blockage- I did send them emails, in response to a letter from XX/XX/XXXX, on XX/XX/XXXX and XX/XX/XXXX, in compliance with the letter ; there was no response to either email nor any other notifications to my Citi Secure Message, USPS or email and then without warning the account was blocked on XX/XX/XXXX and still block as I file this complaint. The attachments show : The two emails ( XX/XX/XXXX & XX/XX/XXXX ) to Citi referencing the XXXXXXXX XXXX XXXXXX/XX/XXXX Confirmation that all the information needed to unblock my account has been received.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32043
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-30
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I had around {$300.00} as a total balance on my account, the monthly payment was about $ XXXX if I remember correctly, I had absolutely no trouble paying this monthly. However, I believe it was around XXXX of 2022, I was suddenly unable to access my account. I entered my login information ( email and password ) as usual and I would get an error back saying that my information was not found in the system. At first, I assumed there must be an error with my password or email or etc. so I attempted to retrieve my login credentials through the " forgot username/forgot password '' prompts. However, after providing my name that's on the card, my XXXX, and the last 4 of my social, I got the same error. At this point I have officially no idea what is going on, and decide I will call customer service. They refused to speak to me without being able to pull up my account, which apparently didn't come up in their system when I provided the necessary info. Unfortunately this matter slipped from my attention as I have a life and did not hear back about the account for months. It was only about 6 months later that I see on my credit report that the account has been reported as charged off on top off having late payments. My credit score tanked. I immediately called customer service again and demanded that someone explain to me what is going on. Finally, someone explained to me that there was fraudulent activity on my account that had been detected, and they locked my account out of precaution. This would have been great if only they had INFORMED ME OF SUCH ACTION. Instead I was unable to access my account or pay the due balance. About a month and a half ago, I once again contacted customer service to see what could be accomplished. The first service rep, when asked about the status of the account, informed me that there has been " a confirmed fraud on the account, and you are no longer responsible for the account. '' I was quite relived to hear that, and asked to be transferred to someone who could then work with me to get the inaccurate information deleted from my credit report. I was transferred to whomever would be able to help with such however, they immediately went back on what the previous service rep told me ( not to mention the others before her months ago ) and that there was no fraud after all. After much back and forth, they agreed to open a dispute in my credit report, but this ended up accomplishing nothing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 115XX
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A