Date Received: 2023-07-18
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 noticed fraudulent charges on my account 7 months ago. I immediately called and notified the credit card company and canceled my card. Despite this, additional fraudulent charges appeared a few days later. I again contacted the credit card company and completely closed my account. Despite this, Citi issued another card in my name, which then incurred interest, fees, and late payments. I have called monthly to dispute these charges and each time I am told the account will be updated and return to XXXX XXXX Now, I am contacted twice daily by the collections team and have incurred negative credit raitings.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 559XX
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-18
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Citibank XXXX XXXX Credit Card statements for my credit card account ending in XXXX arrives every month and XXXX XXXX uses the company 's automatic billing system to pay our monthly statement balance. We've had this arrangement for many years, having been members since XXXX. We redeem rewards for automobile purchases. Recently, Citibank has experienced payment returns ( due to faulty automatic billing system processing ) and we have had to resolve this issue XXXX times within the past XXXX months. On XX/XX/XXXX, we made an automatic billing system payment to Citibank in the amount of {$2500.00}. On XX/XX/XXXX, Citibank issued a letter informing us that our payment was returned. The credit card account went into arrears. Citibank sent us an additional letter dated XX/XX/XXXX that our credit card acct is closed. Please help us to resolve. We made a payment today, XX/XX/XXXX, of {$2500.00} to bring the balance current. We would like the credit card account XXXX to be reopened. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 497XX
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-18
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I received a promotional email on XX/XX/XXXX for a Citi Accelerate Savings Account. The bonus amount was {$450.00} for a new account opened online, if {$50000.00} was deposited within the 20 day deposit period and held for 60 days. I opened the account on XX/XX/XXXX and funded that same day with {$200000.00} and held it the required time. I was told the bonus would be paid on XX/XX/XXXX, after the 60 days plus 20 days had expired. I did not receive my bonus as I should have. I have called Citibank on multiple occasions to resolve this and was told it would be resolved multiple times, and it has not. The latest attempt was a chat on XX/XX/XXXX where they opened a dispute case for the onus, XXXX. A week later, it is unresolved. I called again and they said them mailed me a letter ( I did not receive it ). They said I was not eligible because the bonus is for targeted customers only and I needed to have an email. I explained I was sent the email invitation on XX/XX/XXXX with invitation code # XXXX. Upon opening the account the promotion code listed was XXXX. Many agents agreed I was entitled to the bonus. Subsequent agents I spoke with don't read the notes and give false information. Citibank has committed fraud. I have requested they correct the bonus and credit {$450.00} to my account ending in XXXX. I also requested an ADDITIONAL {$450.00} due to spending several hours trying to resolve their mistake. I had three separate accounts that would have been eligible but understand the promotion was only valid for the account ending in XXXX. I called on XX/XX/XXXX and they opened a new dispute case on XXXX. They are stating I need to mail them the email letter. This is absurd.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85142
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-18
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Received a fraud alert before I received the card. Multiple phone calls, somewhere around XXXX, have been told XXXX times the problem was resolved, but, it wasn't, next calls keep resulting in letters I need to wait for. Letter had no useful information. I have the card, but, they keep giving me runaround about verifying information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 360XX
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-18
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: XX/XX/2023 I received a letter from Citi. That they accepted the debt management proposal. However, I never enter in a debt management program. My daughter XXXX XXXX did in XX/XX/2023. Now she was only an authorized user thats it. Im the primary card holder. So the debt management must of sent a letter to Citi. However, instead of ignoring it. They cancelled my credit card but Im the primary cardholder in good standing. Also, when I called I would get to call collections when my card is in good standing. So today on XX/XX/2023 I called Citi collections and they tell me I have to call the debt management company to remove this request. But I have no account or any communication with this debt management company. This is Citi error because they should of not canceled or closed my account because an authorized user has not authority over a primary user account because it on my credit, my name and my social security. When XXXX tried to tell Citi Collections rep on their mistake. She keep referring me to call the debt management. I cant talk to them I have no services or account with this unknown company. Why should I fix Citi error. Now this mistake dropped ky credit scores because they closed my account and now it shows in a payment plan when I never request this. I tried to talk to a manager and the rep didnt want to connect me to one after 7 times I asked and demanded she put me on hold for 10 minutes and stated no manager wants to talk to me. That I need to fax a letter. I told the rep Citi in violation of the XXXX rules and no authorized user can canceled the primary holder credit card and Citi can not used an authorized user debt management program to override the primary card holder credit card. I tried to get this fix and explained that this is Citi error. Debt management did their part to give notice and Citi only had to do is file the letter and do nothing because it didnt pertain to the credit card primary holder. Citi is probably doing this error to other clients as well. I want some form of action and some investigation because my credit was affect and my credit card rights were violated Thank you, Primary Credit Card Holer
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75051
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-18
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I opened an AAdvantage credit card with CitiBank a few months ago around XX/XX/XXXX, for the sign up bonus. Today, XX/XX/XXXX, I was {$500.00} away from reaching the sign up bonus. When I looked this morning, prior to making this purchase, my account was open. Fine. I saw no warning. I had also just made a nearly {$1000.00} payment on my card that posted on the day this happened. Then, I pay for something that would put my over the line, and the purchase is declined. My account is closed. It seems almost intentional that they close my account on the same day that they receive nearly {$1000.00} from me AND on the purchase I make that would finally put me over the line for receiving that sign up bonus. It feels malicious in intent - they take money I need and then close my account RIGHT before I get any of the benefits but after I owe them enough to get there. People will be hearing about this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AK
Zip: 99801
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-19
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: The payment was missed for XX/XX/ and the company charged a total of {$41.00} for the late fee on XX/XX/ which is also the due date for my minimum payment. There was also an interest charge of {$59.00} on XXXX XXXX XXXX and the monthly minimum payment was between $ XXXX {$80.00}. Both payments of {$59.00} and {$41.00} were understood and that was not the problem. The company Macy 's now claims that I must pay {$200.00}. XXXX and this is a result of the minimum payment for XXXX added to the minimum for XXXX and a percentage of the late fee as well as the interest fee. BOTH representatives I spoke to as I clearly stated for them to hear me ask " So basically I am paying my late fee again " They replied " YES ''. My question is why is Macy 's charging me another late fee for the month of XXXX embedded or camouflaged in my regular monthly minimum payment is this not illegal? There is nothing in their disclosures that state this is how they do business it clearly states {$41.00} dollars and nothing more.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11210
Submitted Via: Web
Date Sent: 2023-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-19
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I mobile deposited a check in my year old account on XX/XX/2023. Said funds would be available next day. Check caused a fraud notice because citi could not verify check. Account is frozen. Called multiple times and even had XXXX XXXX, where the check originated from, tell me it was valid. If chase can why not citi? Not only can I not deposit this VALID check, ALL my funds are frozen and citi refuses to do ANYTHING
Company Response:
State: CA
Zip: 90038
Submitted Via: Web
Date Sent: 2023-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-19
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Charge account Charge account - Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$760.00} {$760.00} {$760.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$780.00} {$0.00} {$760.00} XXXX XXXX : {$400.00} {$400.00} {$0.00} Past Due : {$760.00} {$760.00} {$760.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Account information disputed by consumer, meets FCRA requirements Customer disputed account - reported by subscriber. Unpaid balance reported as a loss by the credit grantor. Consumer disputes this account information Charged off account Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO CO CO CO CO CO CO CO CO CO CO CO CO CO XXXX XXXX XXXX XXXX XXXX XXXX OK OK XXXX XXXX XXXX OK OK OK OK OK OK OK OK OK OK OK OK XXXX XXXX XXXX XXXX XXXX OK OK XXXX XXXX RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11553
Submitted Via: Web
Date Sent: 2023-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: Citi Bank failed to comply with the XXXX notice period mandated by the 15 USC ( United States Code ). According to your statement, you provided Citi Bank with evidence of fraud, including a police report and an affidavit from the Federal Trade Commission ( FTC ) regarding identity theft. However, instead of addressing the issue promptly, Citi Bank claimed to have sold the disputed debt. This argument focuses on the legal obligations that Citi Bank had under the 15 USC. By receiving the notice and evidence of fraud, Citi Bank should have taken immediate action to investigate and resolve the issue. Instead, they allegedly sold the debt, which contradicts the FTC guidelines that state disputed debt should not be sold. Therefore, this argument suggests that Citi Bank 's actions were in violation of the 30-day notice period as well as the guidelines set by the FTC. It highlights the bank 's failure to comply with legal requirements and resolve the fraudulent activity, thus raising concerns about their accountability and commitment to addressing customer concerns.
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: 2023-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A