Date Received: 2024-03-07
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: On XX/XX/2023 I completed an online registration for a new savings account with Citibank in response to an offer for XXXX points. The following day I mailed a check for {$12000.00} for DEPOSIT ONLY to the new account number ( XXXX ). Then I left for XXXX for a XXXX week stay. XXXX weeks later I received a voice mail from an investigator for Citibank who directed me to Citibank Fraud, who informed me that Citibank could not do business with me, my account had been closed and they were not allowed to tell me why any remaining funds would be returned within XXXX to XXXX days. On XX/XX/2023 I sent a letter to Citibank Client Services requesting an explanation. I have never received a response. I have never received correspondence regarding this account other than a welcoming letter confirming receipt of my deposit and an ATM card, which I destroyed as directed by the Fraud Department. I have spent hours attempting to contact someone from Citi only to be frustrated by their voicemail system that requires either an Account Number or my SSN. I have tried both only to be told that they could not find either and that in order to serve me better, I had to provide XXXX or the other. Citi sent me a 1099 INT which I assume is for this savings account as I have no other interest-bearing account with them. There is a number at the bottom of the report for questions '' but that number also requires an Account or SSN to serve me better. Bottom line : I dont have access to my money, and Citi has made it impossible to contact them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VT
Zip: 05401
Submitted Via: Web
Date Sent: 2024-03-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-07
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Citibank denial me access to my credit. Despite XXXX Citibank customer service rep telling me its Citibank 's credit they are lending ; I would like to draw your attention to the case law that supports my claim. In XXXX XXXX of Commerce v. Atkinson ( 55 E 471 ), it is established that a national bank can not lend its credit or act as an accommodation endorser. Similarly, the case of XXXX XXXX XXXX of Tallapoosa v. Monroe ( 135 Ga 614, 69 SE 1124, 32 LRA ( NS ) 550 ) affirms that while a bank can lend its money, it can not lend its credit. As per the provisions of the Equal Credit Opportunity Act ( 15 USC 1691 ), Regulation B ( 12 CFR 1002 ), and the Pennsylvania Fair Credit Extension Uniformity Act ( PFCEUA ), I believe that your denial is unjustified and may constitute a violation of federal and state regulations regarding fair access to credit. Denying me access to my credit without proper justification may constitute violations of the Equal Credit Opportunity Act, Regulation B, and the Pennsylvania Fair Credit Extension Uniformity Act.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19143
Submitted Via: Web
Date Sent: 2024-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-07
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: My macys account payment history does not reflect what XXXX and XXXX show which should be XXXX late payment history. under XXXX it shows that i have two 30-day late payments. this is inaccurate as i have spoken with the creditor directly and my account status was updated to paid as agreed with XXXX and XXXX. please update my payment status to current/paid as agreed and i would like the late payment deleted and removed. If i do not hear back in 30days, this inaccurate information needs to be deleted
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75149
Submitted Via: Web
Date Sent: 2024-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-07
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: My brother died on XXXX. We notified Citibank estate services where he had a checking and savings account. They gave us instructions and documents that we had to fill out and notarize. We ( my cousin is also a trustee ) were told that everything was in order as of XXXX. They even returned the original death certificate to us in the beginning of XXXX. We have called them at least 6 times. Every time we have called since XXXX, we were told that the back office is working on it and everything is in order and we will get the funds within a few weeks. Today, XX/XX/24, we are were told that the back office needs more documentation to be notarized. In the meantime, the estate has a lot of creditors that are demanding their money and we need to file his income taxes as they are due in a month.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92101
Submitted Via: Web
Date Sent: 2024-03-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-08
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened a checking out with CitiBank on XX/XX/31 after seeing an advertisement on their website for offering {$300.00} to new clients who open an eligible account and deposit at least {$1500.00} in direct or enhanced deposits. I selected the get started link that was located directly below the advertisement after reading the offer details. I completed the required deposits within 30 days and called to check on the status of the {$300.00} bonus. I was told that my account did not have the promotional offer applied and there was nothing they could do. The supervisor, Marie, insinuated that I had failed to follow the correct link for the promotion. I feel very frustrated because I could not have done more on my end and Citibank is refusing to take responsibility of their faulty website.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85234
Submitted Via: Web
Date Sent: 2024-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-08
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/2024, my brother, who lives in XXXX, wired me {$30000.00} from his XXXX XXXX ( XXXX ) account to my XXXX XXXX ( XXXX XXXX account in the USA. Since XXXX XXXX is an investment company, the international transfers go to the particular XXXX account with Citibank and then to XXXX XXXXXXXX XXXX corresponding accounts. A few weeks later we did not receive money and my brother contacted XXXX. Almost a month later, XXXX sent my brother a letter stating that money was transferred to Citibank, but they didn't provide clear communication about what happened with {$30000.00}. I contacted XXXX and was told that they don't have my money. I was advised to speak with XXXX. I called Citibank and was told that they could not speak with me because I don't have an account with them. I sent complaints by certified mail to XXXX and Citibank and e-mailed XXXX representatives of Citibank, but I have not received a response. {$30000.00} got stolen. Please help me. I'll provide all supporting information regarding these transactions and communications.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11435
Submitted Via: Web
Date Sent: 2024-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-08
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: I did a balance transfer of {$9500.00} and paid {$280.00}, 3 % of the transaction fee for a 0.99 % interest on {$9500.00} until XX/XX/XXXX, and attached a statement document ( XXXX XXXX ) to support this statement. I had an auto-pay set up for an outstanding balance of two payments per billing cycle and forgot to change auto-pay to a minimum balance. The very next month, the credit card company collected half of the balance {$4800.00}, and the second payment for the other half of the statement balance did not go through due to insufficient funds in my bank account due to that the credit card company started charging 22.24 % on the remaining balance. The attached statement document ( XXXX XXXX ) supports this statement. For the balance transfer, I am only required to pay a minimum balance and am eligible for 0.99 % interest until XX/XX/XXXX. I called the credit card company to return the payment {$4800.00} as I paid a transaction fee of 3 % they said once it is paid it can not be refunded. The credit card company started charging 22.24 % interest on the remaining balance as shown on XX/XX/XXXX statement ( XXXX XXXX ) and until the very recent statement. The credit card company closed my credit card account and other Costco credit card accounts as the payment was denied as stated above.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98012
Submitted Via: Web
Date Sent: 2024-03-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-08
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I have set up an autopay of the statement balance into two payments, twice for every billing cycle. There are a couple of payments that were denied due to insufficient funds in my bank account. Every billing cycle I have paid at least half of the statement balance, including interest charge and return fee. The credit card company recently closed my Costco credit card account due to a couple of payment returns due to insufficient funds.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98012
Submitted Via: Web
Date Sent: 2024-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-08
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: On XX/XX/XXXX, I used my Citi credit card to pay {$51.00} for a XXXX XXXX XXXX at XXXX The gift card was never received. On XX/XX/XXXX, I called the gift card merchant directly to try to resolve the issue. The support agent I spoke with advised that the merchant would follow up with me in " a few days. '' I never heard from the merchant. On XX/XX/XXXX, I initiated the dispute process with Citi to seek a refund of the {$51.00} I paid. On XX/XX/XXXX, Citi advised me that they were closing the dispute and ruling in the merchant 's favor. On XX/XX/XXXX, I contested Citi 's determination and advised that the item still had not been received and the merchant still had not contacted me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89183
Submitted Via: Web
Date Sent: 2024-03-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-08
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: The debt collector XXXX XXXX I, XXXX, communicated with me without first sending written notification of the debt, which should have legally included the official name of the creditor, the alleged amount of debt owed, and a notification that the debtor has the right to dispute the debt in question. The debt collector communicated with me using my email address, telephone number, and text number, yet they never offered me " any '' method to opt-out. The incessant phone calls were made in an attempt to harass and intimidate me into paying a debt that has never been validated and which I believe is the result of identity theft- which I have been a victim of at least twice in the past 10 years. The company violated the 7in7 rule by making repetitious harassing and threatening calls to my phone during a seven-day period. The debt collectors made false claims, including but not limited to the fact that they worked for Citi Bank and that I must provide my DOB, address, and social security number to verify my identity before they could discuss the debt with me. During the first week of XX/XX/2024, I received a form letter in the mail from the law office of XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, FL XXXX. This form letter stated that a lawsuit had been filed ( Case # XXXX ) and notified me that I was being offered a resolution proposal for {$2400.00} in connection with File # XXXX is my understanding that the debt collectors actions described in this complaint violate provisions of the Fair Debt Collection Practices Act ( FDCPA )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A