Date Received: 2024-02-21
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The negative accounts came back verified and are inaccurate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30024
Submitted Via: Web
Date Sent: 2024-02-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-21
Issue: Fraud or scam
Subissue:
Consumer Complaint: Wire transfer intended from my business, to another business XXXX XXXX XXXX XXXX. According to my bank, money was transferred to an account at CitiBank, not to the intended recipient, XXXX XXXX. CitiBank will not respond with where the money actually went. Routing no : XXXX, account number XXXX. Attempts to contact CitiBank at XXXX ( transfered to another number ), XXXX ( told not this department ), XXXX, per XXXX, they only handle credit card fraud, XXXX ( told to call XXXX ), XXXX ( recording that " the number is not available, goodbye '' and disconnects ), XXXX ( recording that this is a " non-working number '' and disconnects ), XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 344XX
Submitted Via: Web
Date Sent: 2024-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-21
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XX/XX/XXXX I received a notification from XXXX XXXX that one of my credit cards was closed, I contacted Citibank they closed my account because of inactivity, I told them the least they could do is send me an email or regular mail or a phone call they apologize, they said in order for me to re-open my card they had to run my credit again and it's gon na be a hard credit hit on my credit score, I told him that was unacceptable, doing my research online I know it is a lot of people are having the same problem with Citibank I would like my Acct to be restored, because of their negligence
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 31602
Submitted Via: Web
Date Sent: 2024-02-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-22
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Inaccurate accounts, reporting on 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: 12601
Submitted Via: Web
Date Sent: 2024-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-22
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: My dates are as close as possible if not correct. I didn't realize this was going to happen over trying to close an account. I realized XXXX XXXX that the savings account wasn't free as I had been told. There is a minimum balance requirement that I specifically asked about. I was told there wasn't any requirements as I had A Citi card and a Citi Invest account also. So the fee came out XX/XX/XXXX and I called and they reversed it XX/XX/XXXX and told me it was closed Then a transfer took place to move the remaining money to my brokerage account. XX/XX/XXXX I am charged another fee on the account that should have been closed. I panicked and sent XXXX dollars on XX/XX/XXXX when I realized it because I don't need derogatory marks of any sort. Called again. Money transferred account closed, fee refunded yet again. Now XX/XX/XXXX same fee charged on the same account that should be closed. I call again. They refund the fee and assure me the account is now set to be closed. XX/XX/XXXX Fee again. Account still not closed. Finally called tonight XX/XX/XXXX before the next one hits. I spoke to XXXX agents. The first one was very hard to understand but I love talking to customer service people, so I'm a fun guy. I even hate that it would get to this point. A strange letter arrived XX/XX/XXXX dated much earlier that I will enclose. So, fee refunded again and account will be closed. I ask how can I be assured after what I have been through so far. Not that I don't trust him, but it was the exact same conversation each time, given the script it makes sense. He told me it turns out it can't be closed and he doesn't know why. " Is there anything else? '' Yes. How do I follow up on this after it doesn't work. No disrespect to you, you seem cool, but, you know? " I'm sorry sir is there anything else I can help you with? '' I said Yes sir, there is. I still need to know what to do if or when this doesn't work. He said " Oh. OK, I understand '' and Hung up on me. I called back to see if there was any way for me to file a complaint about the agent I spoke to previously and explained what had happened. " I'm sorry sir, What do you want me to do? ". I want you to tell me if there is a way and if so what is the way to file a complaint about an employee who was rude and hung up for no reason. He said ( very rudely ) " Sir, Is there something I can help you with tonight? I don't understand your problem. I said I don't have a problem, per se, I just want to know if they keep track of who I have talked to and if I can file a report on that agent. " I do not understand what you want me to do. '' I have to be completely honest here. I don't ever mistreat CS employees. I've been in that position. Anyway, I pretty much lost my mind and yelled at that point. If you can't understand clearly spoken, native, college educated, non accented American English why do you have this job? this is why I can't get my account closed. With some words I won't type here and hung up because I've had enough.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 297XX
Submitted Via: Web
Date Sent: 2024-02-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-21
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Apparently I am the victim of identity theft. Someone made approximate {$8000.00} worth of charges on my card. This happened between XXXX and XX/XX/2022. I was told to continue making the minimum payment that I originally was paying while they ( Citibank ) investigated. Over one year has gone by and nothing has been done. But Citibank has reported this to the credit bureau.my minimum bill is over {$3500.00} dollars. What regular person can make a minimum payment like this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30233
Submitted Via: Web
Date Sent: 2024-02-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-21
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I opened a new Citibank Accelerate Saving account back in XX/XX/XXXX and XXXX successfully deposited different amounts from my different checking accountsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. and each month from the date of opening I transferred some money I put in the side from my paycheck. Everything was fine. I deposited a total of XXXX $ till XX/XX/XXXX. I made some transactions. i transferred money XXXX $ and XXXX $ and XXXX $ from Citibank to my XXXX XXXX XXXXXXXX Citi bank called me to confirm the transaction i told them it was me and after that i transferred XXXX $ from XXXX XXXX XXXXXXXX to citibank and XXXX XXXX $ from XXXX XXXX to citibank and XXXX from XXXXXXXX XXXX to citibank in the next two day in XX/XX/XXXX i try to login to Citibank account i saw my saving accounts was block deleted they block my account without let in me know in XX/XX/XXXX I received an email from Citibank that my account will be closed within 60 days.to 30 days The email simply states : Based on a recent review of your account, we found that you have violated the terms per the client manual. There were no specifics given in the email as to what terms exactly I violated. I contacted Citi twice on XX/XX/XXXX and XX/XX/XXXX, both Citi representatives quoted the same statement in the email without adequate explanation why the account is closed. When I asked them how to get my money back, they said I will be receiving mail with a detailed statement and a check of the remaining balance, to let them know there's no fraud in my account. if they suspicious fraud they could contact me and confirm with me before they take any action my account and my money i should be concerned with that i contact Executive Response Unit and file complain, and they give me a case number. Citi Reference Number : XXXX my full name XXXX XXXX my fourth ss XXXX i send me all my bank statements. this is my account number XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30328
Submitted Via: Web
Date Sent: 2024-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-20
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: This is exactly what I wrote to Citi Bank The following is the dispute number they gave me XXXX On XX/XX/2024 I made a purchase from two different vendors booking the exact same room at XXXX XXXXXXXX XXXX XXXX XXXX FL XXXX The first transaction was XXXX and was not supposed to go through since I did not approve purchase via the verification system on the website I exit out prior to completing the transaction because I found it for XXXX at XXXX. I was charged twice for one night stay at the hotel on XX/XX/2024. I let the person working at the front desk know and he said not to worry since I had dispute it and it should clear on its own since it's practically a duplicate charge for the same transaction of the one night stay at the hotel for the same room and same time period of XX/XX/2024 to XX/XX/2024 XXXX. XXXX is known for there scammish ways all over the internet.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34759
Submitted Via: Web
Date Sent: 2024-02-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-20
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX I tried to move a small sum from my Citibank savings to my Citibank checking/debit account. It would not allow me to do that. After many attempts I finally spoke to a representative. That representative informed me that my account was inactive ( there is over $ XXXX in the account, it has received monthly interest payments, but I haven't moved any money from the account because it was put there based on an incentive that was offered by Citibank for an additional percentage of air miles tied to my Citi credit card through XXXX XXXX. They stated I could visit a branch to get the account activated or submit a letter to their XXXX XXXX XXXX XXXX. Given the nearest branch is nearly XXXX hours away - I submitted the letter with the specific information they asked me to include. They informed me that the account would be activated within 48 hours after receipt of the letter. I submitted the letter via priority mail through the United States Postal Service on XXXX. Based on the tracking information, which was provided to Citibank numerous times, the letter was delivered on XXXX at XXXX to the mail room. I followed up the next day to be sure they had received and customer service said that they didn't see any update from the back office but that it normally takes 48 hours. I waited until XX/XX/XXXX to follow up again, since the account was still inactive. The supervisor ( XXXX ) told me they had nothing from the back office so she would send a request for response. I then waited 72 hours and called back on XX/XX/XXXX since nothing was resolved and the account was inactive. I was told by the supervisor ( XXXX ) the they had not received a response from the back office, so he said he would send another request for update. He also told me he would have a manager contact me in XXXX hours. I heard nothing from them. I followed up again on XX/XX/XXXX and spoke with the supervisor ( XXXX XXXX who said the office was closed for XXXXXXXX XXXX XXXXXXXX XXXX and to call back on XX/XX/XXXX. I called back on XX/XX/XXXX and spoke with the supervisor ( XXXX ) who told me they had heard nothing back from the back office. She said she would send another request. I asked her to get someone from the back office on the phone so we cold resolve in a three way conversation. She informed me that the back office did not take calls. I told her I wanted to talk with a manager and she said they don't take calls that those had to be scheduled and that a manager would call me in 24-28 hours. I told her that I didn't get a call the last time that was promised. She said that was all she could do. So now we are XXXX past the initial attempt to transfer money and Citibank has and is not showing any attempt to allow me access to funds that belong to me. The tracking number from the USPS is XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53711
Submitted Via: Web
Date Sent: 2024-02-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-20
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: I entered into a consumer transaction with XXXX XXXX In store i financed a new computer for work through them. Each month i made on time payments until around XX/XX/XXXX Where i completely paid off the financed computer in full. Then about XX/XX/XXXX all of a sudden, with out my knowledge or consent Best Buy gave me a 30 days late remark on my credit report, and then followed by a 60 days late penalty in XX/XX/XXXX. Confused and scared, i just made a {$69.00} & a {$81.00} payment in XXXX so that they would stop charging me before it stressed me out too much. But I was unaware what i was still getting charged for because i knew that the computer was paid off in full, but I was still being charged for something. On XX/XX/XXXX I spoke with a best buy rep to investigate why i had these 2 late payments on my credit report. The rep informed me that the late payments were for a XXXXXXXX XXXX subscription. And that i'd have to contact XXXX XXXX to get it figured out. I didn't finance a computer through XXXX XXXX, and XXXX XXXX didn't give me a late payment. Now i was completely unaware that i financed a XXXX XXXX subscription. I didn't even know that was possible. I never saw it in a finance charged, or was it explained to me that even once i paid off my computer that every year i'd still somehow finance a subscription renewal. I'm still very confused how a company so reputable could take advantage of people like this. These late payments have seriously stressed me out, and has single handedly caused XXXX XXXXXXXX. I was in the process of purchasing a house until these 2 late payments completely ruined my plans. This is a clear mistake, billing error, and could be considered fraud. I did not consent to financing a XXXXXXXX XXXX subscription for the rest of my life. I don't even use the software.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77054
Submitted Via: Web
Date Sent: 2024-02-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A