Date Received: 2023-06-30
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: TX
Zip: 77090
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-30
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I had my identity stolen when Massachusetts unemployment had that huge huge break in a few years ago and I lost thousands from my checking account as well. Citibank is a card that I inherited in my divorce and they sent it to collections just when I could pay it end its charger off right now on my reports and I would love to just pay city directly the full amount that I owe them of XXXX, then pay XXXX to a debt collector I have attempted to get in touch with someone there to discuss this and have been completely unsuccessful. I just get put on endless holds. I have the full amount in hand in my bank and I am moving out of my XXXX dollar family home and downsizing next month to a condo so Credit is excruciatingly important if I could pay Citi the full amount can they take it off the report, the months and months they switched to charge-off are killing me, and they just dont seem to want to talk to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01844
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-30
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/XXXX I reported fraudulent charges on my Citi Bank Debit Card between XX/XX/XXXX and XX/XX/XXXX for the total amount of {$1600.00}. On XX/XX/XXXX Citi Bank denied my claim # XXXX. I received a letter stating that I am responsible for the {$1600.00}. In addition, on XX/XX/XXXX Citi Bank blocked me from accessing my checking account and is closing my account. Citibank is not releasing my balance in my checking account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91007
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-30
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 XXXX XXXX my Sears/CitiBank card was used to charge {$500.00} in airtime on a phone located in XXXX, XXXX. I live in XXXX, XXXX, XXXX miles away. The card was immediately flagged as " suspicious '' and I confirmed via email I did not authorize. A new card was issued but the disputed, fraudulent charge was carried forward. That was six months ago. Multiple contacts via phone, emails and two lengthy letters describing in detail how this charge was fraudulent and not authorized have not resolved the issue despite constant assurances it is being addressed. Now, late payment and interest charges have been applied to the unauthorized charge which I refuse to pay unless I receive evidence I somehow am responsible. I have contact, per instructions, and sent documentation but in six months, despite repeated assurances, the only communication received from CitiBank/Sears are notices from collection agencies.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97756
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-01
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Citibank blocked my and my wifes ( all joint accounts ) debit card without prior notice on XX/XX/2023 at around XXXX. When we called Citibank, they said that our accounts ( checking and saving ) are being closed by Citi and I need to go to branch to address the problem. At the XXXX XXXX, IL branch on XX/XX/2023 at around XXXX, I wasnt given explanation but was told that the accounts are blocked and I cant access the funds. After begging them on my knees, they allowed me to obtain a cashier check for XXXX so I can pay bills and my small children have roof and food in their stomach. When I asked for cashier check for the rest, they declined. Later the same day I spoke with my relationship manager ( XX/XX/2023 at around XXXX ). He told me the same about my accounts and told me that the easiest way for me to obtain funds is to close my account and take the funds to another bank. I went to the XXXX, IL branch immediately where I was told that my account is locked and there is nothing that they can do about it ( XX/XX/2023 XXXX ). They gave me a number to call and asked me to leave without funds as they wanted to close even though it was prior to the closing time per their signage. I called the number given ( XX/XX/2023 XXXX ), it redirected me to another number where I was told that only by debit card was locked and I should be able to access my funds without any problems. She also stated that I should be able to just access my funds at the branch, that there should be no reason whatsoever. Unfortunately, every time I speak to someone from Citibank, I receive a different response, conflicting information and no resolution. All I want is to close my accounts and safely move my funds to a different financial institution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60646
Submitted Via: Web
Date Sent: 2023-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-01
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXX XXXX XXXX and Macys have reported for years that my previous credit card status currently has a balance and late. Both companies closed my accounts, the accounts were paid in full, likewise, I havent missed a credit card payment in 5 years. After speaking with Macys regarding a late payment, the representative informed me they couldnt detect a late payment yet, a closed account 5 years ago is still reporting as current. My first Macys card was closed because you cant use a XXXX XXXX as a physical mailbox. Another Macys card was acquired and my payments were made on time. I noticed, upon paying the closed account, it would default to the new card, a computer glitch for which Im being held responsible for. I have tried several times to resolve this issue to no avail. XXXX XXXX XXXX closed my XXXX credit card account 5 years ago, and likewise are reporting to the credit bureaus as if this is my current situation. After speaking to a representative XX/XX/2023 I was informed I would have to wait 2 years before my status changed. I continue to bank with XXXX XXXX XXXX, my XXXX XXXX has not incurred a late payment in over 5 years, yet XXXX XXXX XXXX for years is reporting to the credit card bureaus the status of a closed account as if its current. As a result of these inaccuracies, my credit score has dropped almost every month for the past 5 years. Likewise, Im being denied credit cards because of the inaccuracies.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93536
Submitted Via: Web
Date Sent: 2023-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-30
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 the month of XX/XX/2023, there were several fraudlent charges on my Citi Bank Credit Card, which I have informed my bank and the bank is not accepting my dispute, instead the bank is saying that I owe them money. I have reported the bank about all the disputes as soon as I have reveived my statment and they mentioned that they will remove all the charges and my balance was negative ( - {$20.00} ). And now they have put on all the charges back to my account. As I told my credit card company that I don't recognise the charges and I want to dispute all of them, still they are not helping me on this matter and they have sent a bill of {$3800.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VT
Zip: 052XX
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-01
Issue: Fraud or scam
Subissue:
Consumer Complaint: I was looking for concert tickets for the XXXX tour in XXXX XXXX. On XX/XX/XXXX at night I found a XXXX group named Swifties Helping Swifties ( Verified Fan Tickets Resell ) and they put up a post saying that there are tickets for XXXX XXXX and to send them a DM if youre interested. I sent XXXX XXXX XXXX a message but it wouldnt go through. I saw on the post other people have tried messaging her but it wouldnt let them and she replied to those comments so I left a comment on her post saying I couldnt leave her a message as well. She replied to my comment on XX/XX/XXXX in the morning saying to message XXXX XXXX and tagged him. I message right away him asking about the tickets and he said he has a verified seller selling 2 tickets for XXXX each. I said ok. He said to send him the money through XXXX so if ever there was an issue with the seller, he can refund me the money. He sends me his zelle email and I send XXXX to a XXXX XXXX. At first it wouldnt go through. I told him there was an issue and he said I would have to send XXXX twice so it would let me. So I do and it goes through. He said he will send the tickets. Then after a while he messages me and says the tickets are not going through and it seems like the seller needs a {$50.00} fee for each ticket for her to send it however it will be a loss for her so XXXX XXXX asked me to send the money. I send it to to the same zelle email he sent me earlier. He said I should get the tickets in 10-20 mins. He sends me a screenshot of the ticket. Then he said it seems I need to pay some fee so I can receive the tickets. I asked if its different from the first fee and he said yes. Its {$50.00} again for each. I check the screenshot and it looked weird because the font looked edited so I told him and he said Ill get it once I send the {$100.00} to a different email. This zelle is to a XXXX XXXX. So I do however hours pass and I still dont get the tickets. He updated me once in a while. He said things like Im trying to contact ticketmaster to see whats wrong, im sorry for the delay, just give me time, and updated me saying theyre helping us now. Around that time XXXX XXXX XXXX messages me saying hey sorry ticketmaster is having some issues right now but you just have to be patient so I say Ok. XXXX XXXX XXXX me saying i think its figured now but its saying I have to pay for the transfer fee which costs {$50.00} on each ticket and I dont have the money Ive used my money for my daughters XXXX. I ask if its a different fee and I ask for a screenshot the shows theres a fee needed. He said he didnt get a screenshot and that I need to transfer it right away because he has to go back to work. I ask if I can transfer {$50.00} first and he said it has to be {$100.00}. I ask for proof and he says Im making it hard for myself. I say im really uncomfortable and he said he swears on his daughters life. I ask if it doesnt go through, can I just have a refund. He says yes he will refund me if it doesnt work so I send another {$100.00} to another email which is owned by a XXXX XXXX XXXX He said XXXX let me know once he transfers it. I let him know after some time that theres still no tickets. He said it doesnt seem to be working and asks my zelle and says his wife will transfer the money in the morning. The next morning XX/XX/XXXX I ask about the tickets and he said theyre working on it. I dont get a lot of replies from him that day but I continue to message him. I say if I dont get the tickets, I just want my money back. He replies late at night saying he was at work. The next morning XX/XX/XXXX he messages me saying that he used {$200.00} of his own money to move the tickets around so it could be moved to his wifes account. I asked if I will still get the tickets and he says yes if I send {$200.00} because he needs his money back urgently. He sends an email for me to send {$200.00} through zelle but I dont give in. At this time, XXXX XXXX XXXX messages me that she helped figure out the issue. I told her I just want my money back. She said to send her {$200.00} and XXXX XXXX will send me my money back. XXXX message both of them that I can not send anymore money. They try to convince me that I need to pay the {$200.00} to get my money back. They send me another XXXX email but I said I dont want the tickets anymore and that I need my money back. XXXX XXXX blocks me. XXXX XXXX XXXX was still messaging me that it was her money and that I need to send {$200.00} to get the tickets. I try to find the XXXX XXXX and my comment on the post and it says it couldnt load anymore because they have deleted the group.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94952
Submitted Via: Web
Date Sent: 2023-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-30
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XX/XX/2023, Citi Bank presented me with an offer to receive a {$450.00} bonus for opening an XXXX XXXXXXXX account. I was presented this offer after logging in to my account. The bonus required depositing {$50000.00} within XXXX days of opening the account and maintaining that balance for 60 days after the XXXX day funding period. I deposited {$50000.00} and those funds were posted to the account in XX/XX/XXXX. In XXXX, I confirmed with a Citi representative that the offer was attached to my account. I also received a physical copy of the offer terms from Citi Bank via standard mail. I confirmed with an agent on XX/XX/XXXX that I had met all requirements and would be receiving my bonus within the next month. I should have received my bonus XXXX XX/XX/XXXX ; however, it was never deposited to my account. On XX/XX/XXXX, I initiated case XXXX with an agent as I still had not received my {$450.00} inventive. On XX/XX/XXXX, I received a response from Citi Bank notifying me that I wasn't eligible for offer XXXX as I wasn't targeted. A few things : -I was targeted by Citi immediately after logging into my account -I received confirmation of the offer via email and physical mail of my offer details -On multiple instances, agents informed me that I was enrolled and met the offer terms This really seems like a bait and switch by Citi bank. Target customers for new account promotions and then refuse to pay.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98117
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-01
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 credit card was fraudulently used in XXXX of 2022. I alerted Citi bank as soon as I realized the two transactions had occurred. They assured me I would receive a refund for the two transactions. I received a temporary credit but it was withdrawn and my dispute was denied. Supporting documentation was sent from the merchant and I have called several time trying to resolved the matter but I am repeated denied a refund on funds that was stolen from me. I am willing to produce witnesses and affidavits to attest to my whereabouts. Also, the merchant, XXXX XXXX XXXX, confirmed that one of the two purchases can only be made with the park itself, not online.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75228
Submitted Via: Web
Date Sent: 2023-07-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A