Date Received: 2023-08-21
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I have issued a check in XX/XX/XXXX in the amount of {$1300.00}. The payable party notified me in XX/XX/XXXX that he never received the payment. My bank, Citibank, showed payment cashed and copy of check has no endorsement signature. Below is the timeline : XXXX - reported to Citibank that my check was cashed without endorsement XX/XX/XXXX - received affidavit from Citibank which I completed it and returned by email on the same date. XX/XX/XXXX - I follow up with Citibank by phone and was told they didn't receive the affidavit so I immediately sent it while I was on the phone. I have been calling twice a month since XXXX and I kept receiving the same message, Citibank " back office '' is waiting for XXXXXXXX XXXX to reply. I requested to Citibank credit me while the investigation is going on since Citibank released my money when there was no endorsement on the back of the check. Today is XX/XX/XXXX and I still haven't receive a credit from Citibank. Each time I want to escalate this to a higher hierarchy, they tell me there is nothing they can do and disconnect me or just disconnect without any word. I would like Citibank to credit me in full while they investigate. If my life depends on this money, I would be homeless and starved. Please help me to get my money back and hopefully to have Citibank provides better service to their customer. NOTE : I have copy of the check & affidavit but they have my information so I will not attached to this compliant. I am only attaching the emails that show the time when I sent in the affidavit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11367
Submitted Via: Web
Date Sent: 2023-08-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-21
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/2023, {$500.00} was charged on my XXXX XXXX XXXX at Victoria Secret in XXXX, I contacted the credit card company to disputed it, however my dispute was denied by the credit card company. Joint card holder/my wife and I did not make the purchase or have not been to XXXX, my wife has Victoria Secret card, never use other cards at Victoria Secret . This is a fraud by a fake card, it is very suspicious obviously according to the transaction record XXXX provided to me, however Victoria Secrete worker did not check their ID at cashier.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90503
Submitted Via: Web
Date Sent: 2023-09-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-21
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: CITI BANK, XXXX XXXX XXXX Account Number XXXX complaint, I am a Home Depot pro rewards customer since XXXX, I have used the card in the daily administration of my realestate investments and many other home refurbishing. For several Months we have awaited a replacement card in the mail. We Live a a small incorporated Town Of XXXX XXXX. We Do Not have mail Boxes, as I explained and have always received my mail, Bills, ads, and previous Cards from Home Depot Credit card statements and cards at that XXXX XXXX XXXX. XXXX XX/XX/XXXX we called XXXX XXXX XXXX XXXX Citi BANK and talked Rep XXXX, and instructed her to add XXXX XXXX XXXX the Physical address as requested, But on XXXX separate events, the new card was sent the EXACT same way. and XXXX to CITIBANK as non deliverable. Citi bank in fact XXXX suspended my account with no Notice. I was instructed to use old card until they could send new card. In a recent XXXX in XXXX XXXX my card was declined. I had my wife call and she talked to Citibank XXXX and the rep asked her the name of the cards original application company from XXXX years ago. My wife complied as to the best of her knowledge and was in fact correct. The rep Cancelled the card and indicated verbally that my wife had requested it to be cancelled, My wife indicated She in Fact DID NOT Cancel, but inquired Why she, had cancelled by pushing a cancellation card button and could not change it. Her actions were COMPLETEY FALSE and Malicious for reasons unknown. My card has never been late, and was in good standing, In Fact HD credit recently Increased my Limit on their Own. I have contacted XXXX XXXX and was told mangers would review the taped Conversation too verify my statement that the card was not cancelled by the Non card Holder as accused by their Employee, dates were Friday XX/XX/XXXX then once again, I recalled on Mon XX/XX/XXXX and was told it was in review. I at no time canceled the card. and Recently Sent in a Fax as requested by Supervisor XXXX XXXX verified NY XXXX Registered Business and its Verified Status. I was instructed Because She Fraudently closed my account id have to reapply. As I am on a high Tier Purchaser I would lose Substantial Perks and Financial incentives I have accumulated. I have accumulated over XXXX k in reward real money purchases and have spend XXXX in my purchases sense then Card was originated, THEY encouraged and requrest this PRO account to me Because off my vast amount usage and in store purchases. I feel wronged and ask consumer I have been subjected to Unfair business practices that border of XXXX. Please review my complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 119XX
Submitted Via: Web
Date Sent: 2023-08-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I have contact all three major reporting credit bureaus and the company reporting the account advising the account and information reported is in violation of 15 U.S. Code 1679c. The account has been disputed numerous of times and has not been removed from my credit report. This company reporting the account is being unfair and attacking my livelihood. It's a defamation of my character and violate the retention of compliance records for age of reporting. The close account should no longer be on my credit report according to the federal government code listed above.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 312XX
Submitted Via: Web
Date Sent: 2023-08-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-21
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I opened a checking account at Citibank. I updated the account on my vendor sites ( rent, utilities, etc. ) but kept getting notifications that my payment wasn't going through. After a few phone calls with Citibank, I realized that they had given me the wrong routing number. Unfortunately, that didn't help the fact that I had accrued several bounced check and late fees not to mention the many hours I spent on the phone trying to remove the fees when possible and talking to the bank to try and figure out what was going on. I also had trouble receiving direct deposits which is to say no direct deposits were getting into my account. After hours on the phone trying to figure out why my deposits weren't going through, ( talking to both payees and the bank ) no one was able to figure out why the deposits were not going through, so I decided to switch to a XXXX account. Everything was fine once I switched. However, I am still dealing with late and bounced check fees from my vendor sites. Citibank has told me they would open disputes on vendors that were charging me these fees, but that means I will have to keep my account open even longer causing even more confusion with my vendor sites. I really want to close the account and move on. The way I see it, Citibank owes me hundreds of dollars to cover my vendor fees, all the time I spend on the phone, and all the stress they have caused. Please help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91501
Submitted Via: Web
Date Sent: 2023-08-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-21
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: To whom it may concern, On XX/XX/2023 my car was broken into. Among the items the theive ( s ) got away with was my wallet. Upon realization of the event I canceled all of the cards, and filed a police report with local law enforcement. Unfortunately several hours likely passed as the thieve ( s ) racked up at least one charge on every card. 4 cards were involved. XXXX and XXXX quickly resolved fraudulent charges accounting for XXXX. Unfortunately the home depot credit card ( CITI ) entered a long dispute process. I figured it was because this card had incurred the biggest charge of the four ( {$380.00} ). Two months later ( XXXX ) I got a disheartening letter from CITI telling me that upon their investigation, I was fully responsible for the fraudulent charge. Outraged, I called their security team to immediately reopen dispute. I sent them a copy of the police report. Gave them a very detailed statement of the event. Also attempted to acquire surveillence footage, but was unable to because of lack correspondence from law enforcement. Who are required for release of footage. Sadly, today ( XXXX ) I received another letter from CITI telling me that I am still liable, and that my credit report is now in jeopardy if I don't pay! Realizing that CITI is not in my corner I have decided to file a complaint with consumer finance. Hoping to resolve this unfortunate situation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 959XX
Submitted Via: Web
Date Sent: 2023-08-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-22
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2023 I digitally deposited a government check in the amount of XXXX XXXX As of close of business on XX/XX/2023 they still have not given me any of the funds. Upon calling them they refuse to recognize government checks are not subject to holds past one business day. They also refuse to recognize their own policy that states that government checks are not subject to holding past one business day regardless of if you are a new account holder or not.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46203
Submitted Via: Web
Date Sent: 2023-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-21
Issue: Getting a credit card
Subissue: Problem getting a working replacement card
Consumer Complaint: I have a Citibank credit card and they suddenly informed me that they are " closing my account '' with no explanation, even though I have had no payment issues, and have asked for explanations multiple times. I have called Citi customer service 4 times in the past week, and every time, the representative tells me something different. One representative told me they couldn't re-issue me a card because of something on my " credit report '' and I have to " call the credit bureau to find out why Citi can't reissue me a card. '' ( I then checked my credit score on XXXX, XXXX, and XXXX, and all three list my credit score as either XXXX or XXXX. I have a very good credit score and no issues paying my Citibank account. I make over {$300000.00} in salary annually. ) Another Citi representative told me my account was closing and they had " no idea '' why it was closing. A different Citi representative told me they would " raise a complaint internally '' about my account closing, but I never got a response from that. A fourth Citi representative told me they would " send me a letter '' electronically or via paper mail explaining why they were closing my account, but I have not received an electronic message or paper mail explanation. I have held a Citibank credit card for years. Every month I pay the entire balance due, and I pay on time. I have never had any issues getting replacement cards for new cards once my prior card expired, including from Citi itself. I do not know why Citi is refusing to reissue me a new card once my account expired in XXXX, but it is apparently not based on my payment history, and they are refusing to tell me why. I think this company should be held accountable for its horrible business practices.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60608
Submitted Via: Web
Date Sent: 2023-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-20
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Without my knowledge and without my permission, XXXX XXXX conducted a credit check on me. Based on that inquiry, XXXX XXXX closed both of my XXXX XXXX XXXX XXXX XXXX. Again, they never notified me of either the credit check or of the closer of the accounts. They only posted a letter accessible only by logging into those accounts online.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 787XX
Submitted Via: Web
Date Sent: 2023-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-20
Issue: Fraud or scam
Subissue:
Consumer Complaint: My name is XXXX XXXX i had someone opem a loan for {$5000.00} in my name at citi bank back on either XXXX or XXXX without my permission and Citi Bank did nothing to stop it
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90602
Submitted Via: Web
Date Sent: 2023-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A