Date Received: 2023-07-12
Issue: Money was not available when promised
Subissue:
Consumer Complaint: Citi official informed on XXXX, XXXX, that they are working on the transfer, and within XXXXXXXX XXXX, of the notification, the account will be credited. On XX/XX/XXXX, a Citi official sent another email to inform me that the transfer will be {>= $1,000,000} if I pay {$3800.00} which I refused to pay.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 19901
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have tried to contact THD/CBNA on many occasions and have went as far as to write a letter on behalf of myself. I have a an inquiry on my account that was not from my behalf and have requested more information and have yet to be provided with it. I did not inquire with Home Depot for a credit card. I am a victim of fraud as to why I have reported so on my account. I would like the following inquiry to be removed as I did not put in a request. I have an unknown female using my social security number to work and apply for cards. I would like to freeze my account to prevent unlawful activity.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 951XX
Submitted Via: Web
Date Sent: 2023-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-13
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: The company let me kno that my info and social security number is attached to the account and for that reason it's my debt
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29020
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-13
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I received a solicitation from Citibank to open a Checking Account with a special offer to receive XXXX American Airlines AAdvantage with 30 calendar days of completion of certain " Required Activities. '' I opened the account on XX/XX/2023 and it has been over 30 calendar days since I have completed the Required Activities ( as confirmed to by over the telephone by a Citibank customer service representative ) but have not yet received my XXXX points. I have called Citibank customer service line multiple times and they opened an investigation. However, they concluded their investigation and sent me a letter stating that I would receive the bonus within 90 calendar days. This is directly contradictory to their written offer - an excerpt I have copied and pasted below : " Your American Airlines AAdvantage Bonus Miles will be credited to your open, eligible AAdvantage account within 30 calendar days from the date you complete Required Activities. '' Here is a link to their offer : XXXX : XXXX? XXXX & XXXX & XXXX & XXXX I also have the emails they sent me with the same language which I have attached.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-12
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: Card balance is fully paid by my employer, however I am required to cover the amount due by its due date if employer 's payment has not gone through. On XX/XX/XXXX I paid {$530.00} from my personal checking account since balance was due. On XX/XX/XXXX employer pays entire card balance, which leaves a - {$530.00} balance on the card, which is my original money that belongs to me. On XX/XX/XXXX I notice the " request refund '' option is missing on the website, so I call the number on the card for assistance, where I'm told I can't request a refund until after XX/XX/XXXX. On XX/XX/XXXX I call the number again, where I'm told by the automated voice that they need me to provide a phone number to send a security code to. I provide my phone number, which is rejected because they can't verify it as mine. This despite this being the same number registered to the account, which Citi texts to send me a code every time I log in to the website ( I have 17 texts from them as of writing this ). I'm asked to provide a different phone number. I have no other phone numbers, yet no other option ( such as by mail or e-mail ) is offered. Automated helper ends the call on me after I am unable to provide another phone number. I check periodically, but website still lacks the " request refund '' option. On XX/XX/XXXX I go to a physical Citi location, but am turned away and told that they can only help me with the balance refund through calling the number on the card. Same day XX/XX/XXXX I call the number again, but after the automated helper rejects my phone number yet again, I ask to speak with an agent. Agent also informs me that my number is being rejected. However, she gives me the option to answer security questions, which I accept. I am given 3, all of which I know and answer correctly, however I'm eventually told I answered all 3 incorrectly. ( I know this is not possible. Q1 I'm asked what state one of my cousins lives in out of several options, I answer the option " None of the above, '' because New Mexico, where he lives currently and for the past decade, is not one of the options. Q2 I'm asked what college I've been affiliated with out of several options, I answer the option " None of the above, '' because I've only been affiliated with 3 colleges in New Mexico, which were not named, in fact none of the options were from New Mexico. Q3 I'm asked which address is familiar to me out of several options. I answer " None of the above, '' because I'd never heard of those addresses before. ) Agent is puzzled but helpful, and gives me the option to answer 3 other questions, which I once again accept and once again fail, but this time she informs me I answered 2 incorrectly. ( Once again I know this is not possible. I even clarified the questions before I answered, since I was wary after the previous attempt. Q1 I'm asked in which of the following cities have I lived in, which I answer the only correct option given : " XXXX XXXX, since I currently live here, '' I said. Q2 I'm asked what year is closest to my birthday year, with several options being prior to the XXXX and one option being XXXX. My birthday year is XXXX, so XXXX is the closest. " XXXX, '' I answer. Q3 I'm asked what employer I've been affiliated with out of several options. I've never even heard of the options given, much less worked for them, so I answer " None of the above. '' ) At this point the agent says there's nothing that either she or her supervisors can do for me on their end since I failed twice. She says the only thing I can do now is request it through the website online. I inform her that I have been unable to find that option online. She offers to walk me through how to find it, but I did not have computer access at the time to follow along, so she suggested that I call back when I do. Same day XX/XX/XXXX I call the number again while logged in the website. Automated helper rejects my phone again before connecting me to an agent. This new agent also tries to send security code to my phone number but informs me that it's not being accepted. I inform her that I'm logged in the website so that she can guide me to the " request refund '' option. She guides me through by telling me where to click. " Request refund '' option is missing from the rest of the given options. I read out loud all the options that I see in the page so that the agent can confirm I'm looking in the right place. Agent confirms that I'm at the correct screen, and that the " request refund '' option should be among the other options that I read. She did not know why the option was missing. With that I've exhausted my options with Citi. There remains no way for me to request a refund on the negative balance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90732
Submitted Via: Web
Date Sent: 2023-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-12
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Citi Reference Number : XXXX In regards to the refference number above there has been dozens of communcations through this cfpb website to communicate with citibank, out side of here, no one resonds, calls or are the people who are to help every available. This is why the past year I have used this complaint system, otherwise, they have played games and caused undo stress just to communicate. as you can see. I have been asking for the same thing each time. again. 1st of all it took over a year and 1/2 to get the funds returned to the benificuary of the account that citibank ignored. Citibank tried to convince the adminstrator of the estate and the 100 % benificuary on the account. Citibank did tell the benificuary that she was the benificuary on the account. She had been making contact and calls with citibank since XX/XX/XXXX after her father died. She was not informed unitl the end of XX/XX/XXXX. At that point she had spoke to Citibank at least a dozen times and she was never told. I am not sure of the exact timing, but I have read that it states a benificuary must be notified withing 60 days of someone passing that they are benificuary. I called the bank dozens of times between the approximate days of 168 from the day of the passing on XX/XX/XXXX until XXXX XXXX. That is way beyond the 60 days. Why was I never told I was the benificuary. you held onto my fathers CD and checking account for over 5 months. That is not legal. Did someone come into the bank pretending to be me?? If this happened I need to KNOW NOW!! I was my father 's only benifiucary on his accounts, Why did Citibank keep this information from me for over 5 months? At the time I found out, I had to spend money to fly from Oregon to CA, and stay in hotels, to be at Citibank in person because they were so rude. I had to wait until I got my Administrator of Estate papers before they told me I was beneficuary. That doesnt make any sense. The bank account had 100 % benificuary to me. The administrator of estate papers had nothing to do with the bank. They tool my papers when I got to the bank and told me they need to take it to their legal departmenet to verify that they are real documents. I had to wait 20+ minutes. I still had no idea I was the benificuary yet. they came back out and rudely just said. You are the full benificuary do you want a check now and close the accounts. I was still confused. I need to know what was there and how much. and to see a final statement took a fight. But this was when I saw that someone worte a XXXX check and forged my fathers name dated the day my dad passed. they the bank argued withme and tried to tell me my dad must have wrote it before he died. He was in XXXX unconsous for nearly 2 weeks, during heavy covid time ( XX/XX/XXXX ), no visitors etc.,. I literally had to argue this situation with two of citbank workers. they were rude and insensitive and I was crying and completly blown away to what I had to deal with there. It was horrible. so again. answer these questions. 1. Did someone come in there pretending to be me, the benificuary??? 2. What went down at this bank regarding my fathers accounts with other people, the people who forged the checks??? 3. Why did XXXX XXXX XXXX put in writing that by law they have to report what my brothers did there to the athourities, but Citibank keeps going back and forth for months and months ( years now ) doing absolutly nothing, and telling me that I have to hire a lawyer? WHy?? 4. Does XXXX XXXX XXXX have different laws they have to follow as a bank the Citibank does not have to follow? 5. When I called XXXX XXXX XXXX they instantly told me that I was a benificuary and they sent me all paperwork to sign and notorize and itwas all taken care off quickly after my father passed. 6. citibank , played games, lied, didnt return calls, causes so so much stress ... .. and made me have administrator of estate papers in person at the bank before they told me i was the full benificuary?? WHY?? 7. AND NOW AFTER ALL THI STIME STILL, NEARLY XXXX STOLEN FROM MY FATHER, XXXX YEAR OLD MAN IN XXXX, CITIBANK WON'T FILE CHARGES OR REPORT THIS TO THE AUTHORITY? 8. AND AT THAT>.. WHY WON'T CITIBANK PROVIDE ME THE BENIFICUARY, ME THE ADMINSTRATOR OF MY FATHER 'S ESTATE THE PROPER PAPERS TO EVEN SHOW AUTHORITIES. 9. AND WHEN THEY HAVE SAID THEY DONT SEE THAT i AM THE ADMINSTRATOR OF THE ESTATE ANYMORE.. WELL 1. YES I AM. 2. THIS ALL STARTED IN XXXX OR XXXX. AND NO ONE REMAINS ADMINSTRATOR OF AN ESTATE FOR EVER.. THEY HAVE UNTIL CASE IS ALL OVER. BUT EVERYTHING NEEDED AND ASKED FOR MY CITBANK WAS ASKED FOR IN A TIMLEY MANER AND SEVERAL SEVERAL TIMES. THEY WERE EVEN SUBPENIAED FOR DOCMENTS IN XXXX. 10. IT IS UNKIND, UNFAIR AND RUDE TO MY FATHER WHO WAS A CUSTOMER SINCE XXXX. HE PUT A BENIFICUARY DOWN TO AVOID PROBLEMS AND HAVE IT SET FOR HOW HE CHOISE IT TO BE. CITIBANK DISRESPECTED HIS RIGHTS AS WELL AS DISRESECTED AND WON'T HONOR OR DO THE RIGHT THING NOW. THIS NEEDS TO BE REPORTED TO THE AUTHORITIES. THIS IS NOT SOMETHING THAT THE BENIFICUARY NEEDS TO GO HIRE ANOTHER LAWYER FOR AND SPEND MONEY. THIS IS CITIBANKS FAULT
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90808
Submitted Via: Web
Date Sent: 2023-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-12
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XX/XX/XXXX I use mobile deposit for the workers comp checks as Ive done for past 5 months. This one was returned and without my knowledge Citibank closed my account and deemed it fraudulent. The amount was XXXX the same amount that has been going In every other time. I have money in my savings account and how am I to know the sender of check out a stop payment on it. Nevertheless my bank never informed me that there was an issue as well as never contacted me. I went to use my debit card and it didnt work. Tried to access my mobile app and it was closed down for access. I proceeded to the bank branch where they informed me to call fraud prevention. Thats when I learned of the incident. Ive had loans with this bank in the amount of XXXX dollars paid back in full. I was much later sent a new bank card and other correspondence now stating there is an investigation. How is this a practice? Why not give the customer the opportunity to correct a mistake obviously made by the sender of the check. Now they are calling asking when can I make up the XXXX balance left from the returned check. Im really concerned about this going on my credit report as well as my name linked to fraudulent activity with a banking institution. Please help
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60615
Submitted Via: Web
Date Sent: 2023-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-11
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: - In XX/XX/XXXX, I received a mailed postcard advertisement from Home Depot for credit card users that offered 10 % off or up to 24 months financing. The mailer clearly states " Coupon Valid XXXX ''. - On the evening of XX/XX/XXXX, I attempted to use the promotional code to receive the 10 % off discount, but I received an error message stating that the coupon was not valid. - I contacted Home Depot 's Customer Care XXXX account ( @ XXXX ), and the person signing tweets on behalf of Home Depot called herself XXXX. - XXXX told me that the coupon was expired, and I challenged that position since the mailer clearly stated " Coupon Valid XX/XX/XXXX - XX/XX/XXXX ''. - Here are the last XXXX messages in the XXXX exchange : ( 1 - Home Depot to me : ) The coupon expired on XX/XX/XXXX. -XXXX XXXX ( 2 - me to Home Depot : ) I hear XXXX XXXX XXXX but I tried to use the coupon on the XXXX. So does that mean XX/XX/XXXX was the last date that the coupon was valid? ... ( 3 - Home Depot to me : ) Correct. -XXXX XXXX I believe since " XX/XX/XXXX '' was listed as a valid date on the coupon, the code should have still been accepted. - I believe this was false and/or deceptive marketing/advertising on behalf of Home Depot .
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93710
Submitted Via: Web
Date Sent: 2023-07-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-11
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: My family ( my wife XXXX XXXX and I are join account holders ) has been a costumer of Citibank since XXXX. On or about XXXX XXXX, on daily basis, up to 10 transactions a day amounting to thousands of dollars in total, at same/similar location in another State ( WA, we live in CA ), minimal amounts were withdrawn ( presumably to game the Citibank 's substandard security ) from our checking account without our knowledge or consent. Citibank never raised any alarm nor notified us at any time of these highly suspicious transactions. When we found out after receipt of monthly statement and immediately raised the issues with Citibank, filed a police report, provided declarations under penalty of perjury that we did not have knowledge or authorize subject fraudulent transaction, local Citibank representatives assured us on record after review that it was very clear that were we victims of fraud and Citibank would credit us for the fraudulent transactions. However, later on via letter dated XX/XX/XXXX Citibank informed us that subject fraudulent transaction 'appear to be consistent with your normal banking activities. ' Furthermore, subject Citibank letter noted : 'YOU ARE ENTITLED BY LAW TO OBTAIN COPIES OF THE INFORMATION USED IN OUR INVESTIGATION. ' Despite our repeat written and telephonic request to date that Citibank comply with applicable law and provide us with 'copies of the information used in [ its ] investigation, ' Citibank has refused to comply with applicable law to provide requested information. As of today, I have been deprived of nearly 50hrs from work and family to address this matter to no avail. In short, Citibank has a failed and substandard-in-the-industry security in place allowing thieves to steal our money. When my family found out and notified Citibank, instead of crediting us for the amounts, Citibank defamed my family by implying we are not being truthful, failed to reimburse us, and refused to comply with applicable law and its own letter in providing us with 'copies of the information used in its investigation. ' Nor could Citibank without doubt affirm that its own employees and/or agents with insider knowledge ( withdrawing minimal amounts ) were not involved in gaming its security to commit subject theft ; thus my families plea to CFPB for assistance ; thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91202
Submitted Via: Web
Date Sent: 2023-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-11
Issue: Fraud or scam
Subissue:
Consumer Complaint: XX/XX/XXXX My computer was pirated by what appeared to be XXXXXXXX XXXX and XXXX XXXX stated do not shut down your computer it has been corrupted with spyware call this XXXX for help. So, I did and XXXX indicated he was the tec that could help clean up the XXXX. After a bit of instructions, he noted that a XXXX had gotten to my XXXX account and he would have a fraud representative call me from XXXX. That person called from XXXX XXXX which is a number for XXXX. He identified himself as XXXX XXXX and asked if we had authorized a {$23000.00} payment to a casino at XXXX the previous night ( XX/XX/XXXX ). My response was NO. so he said he would send an FDIC letter with instructions and we would need to set up a secure account with the exact same amount to allow the XXXX to ask if the false payment was authorized - just say no, and then if the secure account was authorized and just say yes, which would allow that money to then be reversed to return to my XXXX account. By that time with all of the interruption by the said XXXX tec asking questions and giving instructions I was quite upset. Just did not click that the FDIC doesn't regulate Credit Unions. Then the instructions came for the secure account and moneys to be delivered to CITI bank in XXXX, VA routing XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX an attempt to make that as an external transfer through my digital banking did not work so I was instructed to go to the bank in person to get the wire completed which I did- I was also told not to mention anything to the clerks regarding the hacking or the previous fraudulent wire to the casino because someone from the local bank was involved and had authorized that wire. OMG how can those scammers get me so rattled that I could miss those clues. The third person that was involved in the scam group was a man supposed to be from the FDIC named XXXX XXXX and I was transferred to him at some point in the drama. I imagine they will immediately move the funds from that CITI bank to another bank to disburse to themselves. We have asked XXXX to stop the wire and they will contact CITI bank but the wiring form has my signature so that makes it more difficult. I'm not sure who you are but I was looking for someone who could help retrieve our money. The wire was requested to be returned but Citi Bank has not returned the funds. A Call to Citi Bank Fraud department was answered by XXXX who said if I didn't have an account with them he could not help and to call my bank. He wasn't at all interested in blocking the account with his bank to monitor the activity for additional in and out money produced by these scammers. CITI will not let you through their voice mail if you do not have an account with them. I really need some help to get the money back to my XXXX account. There is a XXXX that describes exactly what happens with a XXXX Scam.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77566
Submitted Via: Web
Date Sent: 2023-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A