Date Received: 2023-08-25
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: These accounts and inquiries are not mine they was made without my permission, consent, inquires MACYSCITIBANK N.A Inquiry : XX/XX/XXXX, XXXX or All the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is pass the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 which states a consumer reporting agency can not furnish a account without my written instructions or consent, 15 USC 1666 XXXX which states a creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the inquieres must be removed immediately thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 560XX
Submitted Via: Web
Date Sent: 2023-08-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-25
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: It was XXXX in the XXXX XXXX when someone called for my credit card number plus cv number. Unknowingly, i gave it with my personal info and use it for transactions paying a certain amount. The first transaction is amounting to XXXX, XXXX, next is XXXX, XXXX, XXXX and XXXX XXXX I have contacted the customer service and locked my credit card.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-25
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Citi bank refuses to validate identity based on the code word on file, address, birthday, etc. They are asking for other account numbers with other cards/banks and this feels very unsafe to me as a consumer. I refuse to give them account numbers for other companies and can't believe it's their SOP to ask for it. They will only verify on a second phone, with another account, or a letter. I can't even close the account until they resolve my identity even though they will not accept actual information about me or the phone number I entered myself when opening the account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29841
Submitted Via: Web
Date Sent: 2023-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-25
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Citibank closed my account for no reason. My account was to help people with no money around my neighborhood. The whole neighborhood XXXX me weekly so we can feed and cloth people that need it. Not sure why they closed my account and now I got no access to my money or no answers. They hung up on me twice. This money was all legit so Im confused on why they just shut my account down with no answers. I read a lot of bad reviews about citi bank and just wan na make sure I receive this money back. Thank you very much
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60622
Submitted Via: Web
Date Sent: 2023-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-25
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: On XX/XX/XXXX a purchase was made at Best Buy, in the amount of {$2500.00} NO INT W/PYMTS FOR XXXX XXXX. I as that the consumer had made " Auto Payments '' on this account, since it's inception and that each month, a payment method that made payments without requiring action by the consumer. The CitiCorp minimum payments were taken from the consumer 's bank account each month per the agreement of minimum payments due to avoid interest penalty or additional fees. The purpose of Auto Payments, according to CitiCorp, was so that the consumer would not miss a required payment so that the consumer to not be assessed any late fees or penalty for not making a payment on time, per multiple CitiCorp customer service agents. It should be noted that each month, the consumer received a text and email of the minimum payment due and that payment being withdrawn from the account. Additionally, the consumer receives between 10 and 25 other emails and texts messages to promote other CitiCorp or BestBuy offers or sales not related to the account in this correspondence. These emails are voluminous and by opting out, or any attempt to block or filter, could prevent bonafide payment notices to the consumer. As related to payments, no interaction is necessary from the consumer for timely interest fee or payments each month with the Auto Payment feature. Additionally, the Auto Payment feature screen has only 4 options. On that Auto Payment screen, using the CitiCorp/Best Buy website as an example as attached as an exhibit, the choices for payment options, to date, are as follows : 1. Minimum Payment Due 2. Statement Balance in Full 3. Minimum Statement Due + Extra Amount 4. Extra Amount. There is no option for a selection for " Interest Saving Balance '' payment. On XX/XX/XXXX, the Federal Reserve rules on Bank Card protection for consumers stated, in part, as follows : Payments directed to highest interest balances first. If you made a purchase under a deferred interest plan ( for example, no interest if paid in full by XXXX, XXXX ), the credit card company may let you choose to apply extra amounts to the deferred interest balance before other balances. On XX/XX/XXXX the account with a {$2200.00} balance above was charged an additional {$1800.00} in deferred interest for the promotional payment not being Auto Paid by that due date. This increased the new balance to {$4000.00}, which is a 80.01 % increase to the account balance or 45.19 % of the entire balance increase. Additionally, an additional {$540.00} was added to that same balance by the XX/XX/XXXX statement, before the consumer discovered that the XX/XX/XXXX payment was not Auto Paid. That brought the total amount due as a result of the Auto Payment not being made to {$4600.00} on a prior balance of only {$2200.00}, as 200 % increase of the original promotional balance. An additional {$450.00} payment would have paid off the entire {$2200.00} in XX/XX/XXXX had that Auto Payment included the entire Promotional Balance, but not that amount due is double. The entire payment subject to interest has been paid by this consumer upon the rejection of relief from CitiCorp for this bulk interest application. I want to site a few issues lacking with these payment choices, which have likely been omitted by design, to create additional interest costs to all consumers. There are no selections as to 1. Interest Savings Balance or 2. Ending Promotion Due Balance. On XX/XX/XXXX I had a XXXX minute phone call with CitiCorp customer service to address this concern. I was routed to XXXX service reps and escalated to XXXX separate managers. The area of concern was that It was my understanding that because the Auto Payment was to save the consumer costs, that the Promotional Balance should have been withdrawn from my account to reduce that interest expense. The synopsis of the conversations had with CitiCorp was that XXXX. If I called within a few months of the ended promotional period, that they would have reversed the interest charges as a courtesy, as many customers have the same issue. XXXX. That Citicorp could not confirm that any text or emails were sent related to the ending promotional period or that it ended. XXXX. That CitiCorp was not required to notify the consumer that there was an application of a large penalty or interest charge being added to cardholder. XXXX. That is was not CitiCorps responsibility to advise the cardholder that there was action necessary to remedy the large penalty pending, at the sole benefit of CitiCorp as other Credit Providers do. XXXX. That are no way to make a singular end of promotion payment. XXXX. That CitiCorp does not have to give any notices to a cardholder regarding payments. It is with my aforesaid statement, that I feel this is an actionable issue. It is my intention to attempt to resolve this with CitiCorp and Best Buy. My last inquiry with CitiCorp ended with a response that they do not feel I have been discriminated against, which was not the point of inquiry, and there was no further discussion. The above statement is in-part for purpose of submitting this claim, and further discussion shall include additional information, action and rules.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33312
Submitted Via: Web
Date Sent: 2023-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-25
Issue: Getting a credit card
Subissue: Problem getting a working replacement card
Consumer Complaint: On XXXX reviewed my accounts in my Citibank app. Noticed my Citi Thank You card was cancelled. Called they closed due to 12 months inactivity and XXXX balance ( supposedly in their XXXX XXXX XXXX ). Called to reinstate had to reopen new account and confirm info even though I have other Citi cards and have banked with them for consumer and business banking. Thirty years a consumer client and a business client since XXXX. So now a hard inquiry will decrease my credit score and I am inconvenienced because a card was closed without reaching out. Have spoke to over a dozen people at Citibank. Does this classify for a class action suit. Have an 800+ excellent credit score and 30 year history with the bank in excellent standing. Now they will negatively impact my credit score and cause huge inconvenience!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20009
Submitted Via: Web
Date Sent: 2023-08-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-25
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On the early afternoon of XX/XX/XXXX, I was working at my job as usual, and received a XXXX email from the president ( my boss ) asking me that he has an urgent assignment that he would like me to do if I could provide him my phone number. I gave him my number and he we started talking via text. He asked me to drive the near store XXXX by my house ( which is a bit unusual because they are stores he would already know that is nearby. He asked me him can get get 2 gift cards to give out to surprise two employees with incentives. He also mentioned that he will reimburse me back after that. Knowing that my boss left our office that morning I'm assuming he wanted to do it since I'm the newest member at work. I went over to XXXX and he asked me to send pictures of the gift cards which I did. He asked me to get XXXX XXXX XXXX to purchase which I did ( plus a a makeup I needed and an energy drink ) which totaled amount came out {$410.00}. Afterwards he asked to stay where I'm at to take pictures of the front and back of the cards. He then told me to open the cards up and take pictures of the activation codes... which I did. After a bit he then told me, " Great Job! I need you to go back and get a {$1000.00} '' and he will reimburse me {$1200.00}, {$200.00} bonus for a job well done. Funny thing about it was that I had already informed him in the beginning of the text that i don't have those kind of funds. Me being a good person I only had about the XXXX amount to get it. I knew right aware that my mind was ringing! I called my co-worker and explained everything to her and asked her the phone number of the boss. When she told me a complete different number, I burst out in tears and she had told me to come back to the office. I called Citibank right away to put in a dispute. the associate at the time said that she will send it over the dispute center and I would have to close my debit card and send me a new card. I had informed her that since I was the one that paid and physically had the card it wouldn't make sense and that I have proof that I was in a scam. She went over and spoke with her manager and came to me via phone that in order to go through the dispute I need to close my card and I said ok even though I did informed her that I am paying bills and need to have access to my card, so she told me that she is sending my card now ( XXXX XXXX ) and expeditie it.. Little did I know that after the phone conversation, i went on to my citibank account and it wouldn't let me in, finding out later that in order to get access again to my account, I need the new card. I then called days later XX/XX/16 regarding any update on my card. The dispute center asked for my reference number and I had informed to the associate the lady never gave me any info. he found my information and had told me that the associate never sent my card out. I was very frustrated but he informed me that he had resolved it and sent it out which was also expedited so I should be able to get it in about XXXX days. I received my card on friday XXXX XXXX. Moving forward as I am constantly checking my bank, I noticed that I was never refunded and haven't received any information about the dispute. I chatted online with citibank regarding the dispute and the associate XXXX had informed me that the dispute was resolved because i had authorized the payment which i had already informed them that I was in a scam where the scammer portrayed my boss while I was at work and did What I did until I realized soon after that it was a lie. I became very upset and she gave me the XXXX XXXX XXXX number which I called right away, all on Tuesday XX/XX/XXXX. I spoke with the another associate by the name of XXXX and let me tell you, I'm pretty patient through the whole dilemma but i have had it and on top that this guy was not helpful at all and would interrupt and over talk me as I was explaining my situation and how upsetting it is that they had resolved the dispute and did let me know what was going on nor even informed me! This is probably the first time that I felt they didn't care and customer service is terrible! I speak for myself because I deal with customer service where I work and would never do what these people have done to me. I hung up the phone because I couldn't deal with the guy anymore after he plainly told me I can just ask for an appeal and send the information or fax them .... I had to ask him what is the information after being silent for a couple of minutes. He was disrespectful which is very disappointing.The whole experience they had me in limbo on what was going on, no updates whatsoever.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33069
Submitted Via: Web
Date Sent: 2023-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-25
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: Dispute ID : XXXX Amount : {$390.00} On XX/XX/2023, I submitted a dispute for a pair of sunglasses that broke due to what appears to be an apparent manufacturing defect within the return period and the merchant refused the return request. On XX/XX/2023, I submitted additional evidence as requested by Citi. I included all the photos, email exchanges, and annotations stating what happened in a PDF file. This is as complete as possible. On XX/XX/2023, I emailed Citi dispute department to follow up as the case has not been updated to show they received the additional evidence. On XX/XX/2023, I received a letter from Citi stating that my dispute failed because " we did not receive a complete response ''. Citi did NOT say what is missing and did NOT give me a chance to add more evidence. They simply say " we are unable to assist you in this matter ''. And now I am on my own to dispute with the merchant.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02139
Submitted Via: Web
Date Sent: 2023-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-25
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/2023 I transferred {$16000.00} from my personal savings account in XXXX to my personal savings account in Citi Bank. On XX/XX/XXXX, Citi Bank sent me an e-mail saying my Savings Account would be closed within 60 days and my funds would be mailed back to me to my address on file. I've had numerous calls with Citi Bank Customer Service, Fraud Prevention and visited multiple branches to get this problem resolved. Citi Bank 's response at this point is that I should reach out to XXXX and they should file a " Harmless Claim '' so I can get my funds from them ; Citi Bank now says they won't mail me my funds back. I have talked to XXXX and they say there is nothing they can do as the transaction is not fraudulent and was clearly made by me ( the owner of both accounts ). And that Citi Bank should mail my funds back. It is XX/XX/XXXX now. So it's been 4 months and my funds have not been returned. I feel the need to escalate this issue as Citi Bank is clearly not cooperating.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10033
Submitted Via: Web
Date Sent: 2023-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-25
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I deposited a check from my uncle into my business account for {$40000.00} Citibank took the check and processed it. 3 days later all my accounts were frozen personal and business, I called the bank, and they claimed the check was fraudulent and a stop payment was put on the check. I went to the branch to speak with the manager, he informed me Citibank had not received any of the funds, after speaking with my uncle 's bank XXXX XXXX XXXX ) they advised the funds were withdrawn from his account. Citibank said they were closing all of my accounts and withholding all of my funds for XXXX days. The following day I contacted the fraud department at Citibank, and they informed me they verified the account was legitimate and I can go to the branch to collect a check for my {$40000.00}. I emailed the branch manager to be prepared that I was coming to collect the check, he informed me that they would not be providing me with a check, and I need to call the fraud department again. Once again, I called the fraud department and they informed that they could not verify the issuer of the check even though I had the issuing bank and the writer of the check on the phone. They refuse to release the money or return it to the issuer. my problem is if they could not verify where the money was coming from and if it was a stop payment as they claimed, how can they withdraw {$40000.00} from my uncles account and hold it against us for XXXX days? that seems illegal unethical and deplorable. The banker laughed at me in my face and said good luck. No one will explain how they can take {$40000.00} from an account they can not verify and hold it against us or refuse to send it back to the issuer or myself. The fraud department is treating my uncle and I like criminals and I've lost out on a {$100000.00} sale for my business and all my personal bills were late I have no money or food because they closed my personal account for this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 333XX
Submitted Via: Web
Date Sent: 2023-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A