Date Received: 2023-08-13
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: My ex XXXX XXXX committed identity theft in my name. He took out credit cards, phones, and other electronics, made himself an authorized user on the accounts to make it look like he was authorized to use these accounts. On XX/XX/XXXX, he applied for multiple credit cards unauthorized. He then charged all of those credit cards to the max, took out phones in my name online, and before I could ask him about it, he puts a no contact restraining order against me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85742
Submitted Via: Web
Date Sent: 2023-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-13
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have a citi accelerate savings account. I have called more than 10 times to have them withdraw/ close my account. They have cited multiple technical issues over the phone. The website has given me the same error when trying to withdraw. I have more than {$2000.00} locked up now and they are not helping me to withdraw or close my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01604
Submitted Via: Web
Date Sent: 2023-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-12
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/23, charges I did not make or authorize posted to my account in excess of {$770.00}. I contacted Citicards numerous times to dispute these charges, however, they refuse to remove them. They keep responding to me with claims that they " investigated '' the matter, that I'm responsible for the charges, etc. They also asked me to send documents! Sorry, but I have no documents because these charges are not mine and I didn't make them! Citicards also claims the charges were for airline tickets which were " used, '' however, they were NOT used by me. Furthermore, one of the tickets is in a name I don't recognize. I have disputed these charges repeatedly to no avail. I'm not paying for charges I didn't incur. This is my final attempt at an amicable resolution before taking the company to court.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90046
Submitted Via: Web
Date Sent: 2023-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-11
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Purchase appeared on card from XXXX on XX/XX/ that I did not make/Authorize Disputed the unauthorized charge on XX/XX/ received a temporary reversal of charges on XX/XX/letter sent to me stating This letter concerns the transaction described below made with card number Date Amount Description XX/XX/ {$39.00} XX/XX/XXXX XXXX TX The merchant provided documentation confirming merchandise was delivered to your home address. It was not nothing was Based on the information available, we have closed our investigation and reversed our credit. Sincerely, Customer Service Team contacted customer service and security department making it clear I did not make any authorize any purchase with said company took many phone calls to actually get it re- investigated and was told numerous times that the XX/XX/XXXX have my phone number email and address and they sent documentation that I authorized a payment because they have all my information Citi can not tell me if they showed or have the three digit security code to authorize online purchases they don't have the security code have had to make the XXXX payment to citi to keep my credit in good standing and was told there was nothing they could do and it could take two billing cycles per citibank advertising it is stated that I will not be required to pay unauthorized charges made to my account for any reason
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 978XX
Submitted Via: Web
Date Sent: 2023-08-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-11
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: Purchases of three items were delivered to my home last year in XXXX. One of the items was not to the size specified and was returned for full credit minus the shipping of {$40.00}.. This item was not properly credited by the accounting agency and was only issued half the refund. The other two items where defected and could not be of use. A dispute was made for the defected items to be credited and was granted. To this day the proper credit for the first item returned has not ben resolved after many attempts, verbally and written. This matter has been affecting my credit score and is also accruing late fees and interest that I do not owe. I do not have access to my account as it has been closed and blocked for my viewing or accessing any documents that where previously sent as confirmation of the credits issued to my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91746
Submitted Via: Web
Date Sent: 2023-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-11
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I need your help, my identity was stolen after I open an account with XXXX XXXX. I have put in a dispute for charges that I did not make. I am not disputing that I open an account. I received the card in the mail and when I called to active it, I was told that it had already been used. It was in a different state from where I live. I did not make these charges and on your web site it states that you take fraud very seriously. All my credit cards were stolen along with my checking account, my XXXX investment account. They had turned off my cell phone and turned off my email account. So I was not getting any alerts on my phone or in any emails. I quickly realized what was happening and took action. I have gone to the police and put in an identity thief report at the XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX phone number is XXXX. The case number is XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-11
Issue: Other transaction problem
Subissue:
Consumer Complaint: A international wire transfer from my local bank " XXXX XXXXXXXX XXXX '' to XXXX in the amount of XXXX was returned to Amex on XX/XX/XXXX Amex uses Citi to its international wire transfers. Citi has refused to deposit those funds back into my XXXX XXXXXXXX XXXX Account, despite the many attempts from several individuals at my local bank and corporate offices. I need assistance on getting Citi to return those funds. Thank you much XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX, Pa XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 156XX
Submitted Via: Web
Date Sent: 2023-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-11
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, CITI sent me a letter that says that credit has been made to my account in an ongoing dispute. To date, the credit has not been made. I called the dispute center on XX/XX/XXXX. The representative said that the letter had been issued XX/XX/XXXX, not XX/XX/XXXX as shown on the letter. The representative said that the account would be credited in 48 hours. I waited 48 hours from when the representative said the letter was issued, ( XX/XX/XXXX ) and no action. This dispute has been going on for five months. This is more evidence that Citi is not acting in good faith. In this dispute, Citi also issued me a letter saying that the issue had been resolved and that a temporary payment had been made permanent. However the temporary payment had been rescinded. Citi also said in writing that no further action was needed on my part, which is also simply not true.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95014
Submitted Via: Web
Date Sent: 2023-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-11
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: After checking my credit report I found an account listed from Macys/Citibank , N, A # XXXX where I was never provided ALL of the required disclosures or option to opt out under Title V of the Gramm-Leach-Bliley Act 15 USC 6801-6802 ( b ) ( c ) Title V, subtitle A, of this Act ( 15 U.S.C. 6801 et seq. ) requires the FTC, along with the Federal banking agencies and other regulators, to issue regulations ensuring that financial institutions protect the privacy of consumers ' personal financial information. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information U.S. Code Notes prev | next ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 721XX
Submitted Via: Web
Date Sent: 2023-08-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-11
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: OnXX/XX/, I purchased 2 appliances ( washer/dryer ) totaling {$2400.00} from XXXX. This transaction was not posted to my account until XX/XX/XXXX. I opened a dispute with Citibank because I thought the transaction was suspicious since I purchased on XX/XX/XXXX but they posted on XX/XX/XXXX. Citibank then cancelled by cards and sent new ones with a new credit card number. The prior XX/XX/XXXX bill was paid in full via autopay on XX/XX/XXXX without the original charge from XX/XX/XXXX which was listed as a conditional credit based on the dispute. The dispute was withdrawn once I figured out that the charge on XX/XX/XXXX was correct. But instead of XXXX charge for the original {$2400.00}, there were XXXX identical charges that were put back on my account in the XX/XX/XXXX statement for the original date of transaction on XX/XX/XXXX AND for XX/XX/XXXX. I called Citibank regarding this and that it was odd but the customer service rep assured me that they were seeing only 1 charge and not to worry. When the XX/XX/XXXX bill was paid via autopay, on XX/XX/XXXX. I ended up having to pay for the duplicate charges for {$2400.00} which was {$4900.00}. When I called Citibank again about this double charge, they provided a conditional credit while they investigated. Then in the latest bill Citibank has posted the credit refund on XX/XX/XXXX for the duplicate charges which should have resolved the issue but then the XX/XX/XXXX charge of {$2400.00} was carried over into the latest bill. So what should have been resolved, Citibank has charged me yet again for the same charge from my XX/XX/XXXX statement which was resolved. I have called Citibank no less than 7 times at each step to try and resolve it but they keep asking for more documentation multiple times and closing and opening the dispute. They're giving me the run around and not addressing this dispute to resolve it even though they have all the information and I have called numerous times. I have paid every bill on time and am just seeking to have the payments reconciled which is pretty obvious from looking at the statements.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 275XX
Submitted Via: Web
Date Sent: 2023-08-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A