Date Received: 2023-07-20
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46235
Submitted Via: Web
Date Sent: 2023-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-20
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: In accordance with the Fair Crediting Act, this creditor has violated my rights. Under 15 U.S.C 1681 Section 602 states I have the right to privacy. 15 U.S.C. 1681 Section 604 a. Section 2 it also states that consumer reporting agency can not furnish an account with my written instructions. Under 15 U.S.C. 1666B states a creditor may not treat a payment on a credit card open-end consider credit pan as late for any purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30319
Submitted Via: Web
Date Sent: 2023-07-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-21
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I am the victim of credit card identity theft. An unknown individual or criminal enterprise obtained access to my Citibank issued credit card number and security code by unknown means. My wife also has a credit card with the same credit card number. The credit card details had been loaded on to our family 's XXXX online e-Wallet and were accessible through our phones, laptop computers and tablet devices. It is quite possible that hackers were able to pierce internet security protocols to steal the credit card details, including security codes and chip data. Between XX/XX/2023 and XX/XX/2023, approximately XXXX unauthorized charges were made to my account totaling an estimated amount of {$14000.00}. The bulk of these unauthorized and fraudulent charges were made in the cities of XXXX XXXX, XXXX and XXXX in XXXX XXXX XXXX XXXX, with additional charges in XXXX XXXX XXXX XXXX, XXXX and XXXX XXXX. The types of charges included auto repair, large expenditures at departments stores such as XXXX, XXXX and Best Buy, motel and gas charges, cell phone provider charges and fast food restaurants. My wife and I do not live, work or shop near these towns and had no occasion or reason to do so. I was not alerted by Citibank, my credit card issuer, as to a potential fraud warning until XX/XX/2023, after most of the fraudulent charges had been made. I immediately checked my account online, called Citibank 's fraud hotline and identified multiple fraudulent and unauthorized transactions. I went through every identified fraudulent and unauthorized charge with Citibank 's team. They agreed to cancel the card, issue me a new card and investigate the matter. However, on XX/XX/2023, Citibank 's security team sent me a letter claiming that there was no fraud and that the charges were payable by me. They claimed that ( a ) since the originally issued cards were in the possession of my wife and me at all times, and ( b ) the credit card 's XXXX chip was used to make the disputed transactions at a chip enabled card reader that no fraud occurred and that I am responsible for the charges. There are clear errors in Citibanks reasoning. First, credit card data, including security data, is frequently stolen by electronic means, and one does not need physical possession of a credit card to obtain card numbers and use that information to make unauthorized transactions. Card data are now very prone to hacking because they are stored on e-wallets and accessible from several devices, including cell phones, laptops and tablets. Second, data obtained from XXXX chips can be cloned and used to create new cards which evade security protocols and fool merchants. Clearly, Citibanks fraud detection service was fooled as several unusual and uncommon transactions from merchants and towns that I have no history of frequenting were made before they recognized a problem with fraud. Third, Citibank did a poor job of fraud detection. By their own admission, they did not alert me until well after almost all of the fraudulent transactions had taken place. Had they detected the activity sooner, I would not be facing such a high liability exposure. Citi cant, on the one hand, determine that certain suspicious activity constitutes fraud, cancel a card, replace it, and then, on the other hand, deny that any fraud occurred and force me to absorb the full cost for transactions that I did not authorize. It is difficult to have confidence in the financial system when corporations behave in such a duplicitous manner. I need the matter properly investigated and I need to be made whole. Citibank should do the right thing and issue me a full, permanent credit for the entirety of the amounts I have disputed. It would be easy for Citi to agree to reimburse me for the transactions that took place between XX/XX/2023 and XX/XX/2023 from the locations and merchants where I have no prior record of doing business. Thank you for your time and attention to this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-21
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: Citibank has neglected to resolve the billing error issues in compliance with 12CFR1026.13 ( e ) and ( f ). Nothing in Citibank 's response remotely addresses the billing error issues raised in the initial dispute. Citibank does not address whether they agree if the billing errors complained of occurred. Nor does Citibank explain why, in their openion, such billing errors did or did not occur. Citibank simply evaded the disputed billing error issues in clear violation of the above federal provisions. Accordingly, the procedures for forfeiture are to be observed by this regulatory agency in accordance to 15USC1666 ( e ), and Citibank has accepted the terms and conditions of the billing error notice requiring they Cease and Desist any further collection efforts of the stated amount for breach of the Truth in Lending Act. The statue requires Citibank to send me a written reason to my questions/ issues not to call me! They did not satisfy the billing resolution error. Citibank must answer the questions regarding the billing error. Citibank is being very deceptive
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30101
Submitted Via: Web
Date Sent: 2023-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-20
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: Citibank sent me a debt card/MasterCard that I never applied for a long with emails telling me to deposit funds. When I called they gave me the runaround of three different numbers for the fraud department. Finally getting someone in the right department, they wouldn't tell me if the account had more than one email attached to it or if another card had been sent to another address. They started a fraud claim and I received a letter saying that no transactions had occurred on the account and somehow missed the point that this was an unsolicited account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97330
Submitted Via: Web
Date Sent: 2023-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-20
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Please reference last complaint # XXXX Attached is my latest correspondence : Citi, I had a conversation withXXXX XXXX On Wednesday The XXXX of XXXX. I informed her I was out of state and in the car that I would be back in NY and follow up with her then. Maybe, since you record all conversations you should review this one. XXXX XXXX initially would not give me her last name and said they are not provided with an employee identification number. She also said she needed to run a HARD inquiry on my credit report to initiate the claim. If this is correct that is fine, but i have not had this done before as I have just had my credit line increased by Amex and there was no Hard inquiry. I also asked to speak to a supervisor which XXXX XXXX replied that it was her. Please have someone contact me relating to this issue and reopen my inquiry. Thank You, XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2023-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-20
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: An unauthorized individual ( criminal ) obtained my Citibank XXXX XXXX card ( either physical or number -- Citi refuses to verify ) and used my card over 10+ at various in-person merchants in CA beginning in XX/XX/2023. I never received a fraud alert until XX/XX/2023. I was using the same account in XXXX during the same time frame and spoke to a Citi fraud analyst to note I would be abroad and the only charges should be coming from overseas. Nevertheless, domestic charges occurred multiple times, at merchants I have never purchased at nor at a geographical location relevant to my Citi history : not my address, nor near where I established my Citi checking account over 15 years ago. Immediately upon receiving the DELAYED fraud alert I called and confirmed the transaction as fraud. I also clarified numerous other transactions as fraud, and have spoken to XXXX agents reiterating the issue. I asked my card be closed, so no further fraudulent activity could take place ( XX/XX/2023 ). Upon looking at my online account this morning ( XX/XX/2023 ), I not only see the note that I, the customer, am responsible for these erroneous charges, but that my previously closed account was reopened and my card unlocked, leaving it open for further fraudulent charges to just continue to take place. Not only did Citi fail to identify the initial fraud and notify me of such ( XX/XX/2023 ), they are refusing responsibility and then failed to even close the account and render it unusable leaving me susceptible to continued fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33141
Submitted Via: Web
Date Sent: 2023-07-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-20
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 purchased a sofa from Home Depot. They charged me a higher amount than the online price ( approximately {$200.00} ). When I called Home Depot, they refused to honor the online price and gave me a customer satisfaction refund of {$50.00}. I notified Citi and filed a dispute with this information. They sent me a picture of Home Depot 's return policy and closed the dispute, ignoring what I had said. I called Citi, who said that they would continue to evaluate this dispute. However, online, they have already closed the dispute and sided with Home Depot.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 913XX
Submitted Via: Web
Date Sent: 2023-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-20
Issue: Fraud or scam
Subissue:
Consumer Complaint: I had an online banking issue and could not log into my accounts and decided to contact Citibank my bank to help me unlock my online banking. When I called the services number at the back of my card, they verified me and transferred me to their tech department to help me fix the issue. They sent me a message from Citibank and asked me to say it back to them and I did. When I suspected fraud, I called Citibank to block the accounts and they only block my checking. Just to realize that a wire transferred was initiated from my saving account in the amount {$48000.00}, when I visited the bank that same day. I contacted the Citibank and filed a dispute, and they only gave me back {$95.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10462
Submitted Via: Web
Date Sent: 2023-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-20
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I had a citi accelerate high interest savings account with {$1000.00} in it and I added {$5000.00} deposit from my XXXX XXXX checking account to my citi savings. Citi blocked my account and said they are closing my account and that they would investigate and then send a check XXXX days later. I have no idea why my account was closed and its unacceptable to me that they would keep my money for that time frame. I want my money back {$6000.00} now. Please help! Thank you!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80910
Submitted Via: Web
Date Sent: 2023-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A