Date Received: 2023-06-28
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: They did not credit the correct amount on my credit report continuing to report an incorrect high balance. They changed the High balance- {$80.00} on my credit report in XXXX, they did not include the {$4400.00} plus interest.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 199XX
Submitted Via: Web
Date Sent: 2023-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-27
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I attempted to deposit a tax return check using the online tool Citi bank on XXXX XX/XX/2023. I received a notification from the bank on XXXX XXXX saying, " there's been a delay in making the funds from this check available due to : We have confidential information indicating the check may not be paid. '' Not sure how they could get a confidential information on the check. I thought it was unprofessional since this is a government check and should be available. I called to complaint ; the representative told me to deposit the check at another bank. I took his advice and deposited the check using XXXX. Now Citi has closed my account and they will not allow me the fund for 30-60 days in order for them to go through the process. They have held onto my money and are not allowing me access. They did not extend me the courtesy of notifying of closing the account or a chance to resolve the matter. They blocked me from accessing my account and any fund available as I'm going through a house purchase. I believe this matter could have been avoided if they didn't delay due to unknow confidential reason that was probably made up.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28403
Submitted Via: Web
Date Sent: 2023-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-27
Issue: Other transaction problem
Subissue:
Consumer Complaint: I was business owner of XXXX XXXX. I had a business account in Citi Bank. This bank account was actively used to pay out my suppliers. I Can n't access to the online bank account, so I can not make payments. I had communicated with Citi Bank ( XXXX XXXX XXXX ) for nearly a month to set up a new online id for online transactions and close the old ones at the same time, but nothing was done so far. I had called citi and talked to them for more than 20 times. I followed the employee of citi 's direction and confirmed with them that the forms were filled in correctly by email multiple times, and they confirmed in writing that it was done right before I mailed a signed document from U.S. to XXXX. I received no feedback until I asked and asked again after I mailed out the signed document through XXXX. But finally, they said they could not process my forms and there was no solution provided. Everyday, my suppliers called to checkout when I can make payment. I asked Citi to give a person that's responsible for this, I asked Citi to give a solution and timeline, but there was no answer at all. I want to make a complaint to Citi bank, but there was no-one in citi that takes such complaint and as a small business owner, I don't have access to anyone that's taking care of a complaint.
Company Response:
State: CA
Zip: 92869
Submitted Via: Web
Date Sent: 2023-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-27
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: Someone tried to open a savings account and checking account at XXXXXXXX XXXX XXXX. First XXXX XXXX XXXX contacted me because the name and social security number did not match. They closed both accouts. I filed a fraud report with them in XXXX this year. They said that they would send me a copy of the report. I have jumped through hoops on my days off because I never get the report. It is almost impossible to get through to them each time. I have asked 3 times for the report. They said that one was sent out the end of XXXX, then XXXX XXXX and another was supposed to be sent out the XXXX week of XXXX. To this date I have never received the reports. Even my XXXXXXXX credit card notified me of the fraud but they could not give me any more information. There were 2 inquires on XX/XX/2023. I believe that these were the identity theft attempts. They are on my XXXX report. I am sick of Citibank giving me the run around. I have also filed a police report with my local police department. They were waiting for a copy of the fraud report which I NEVER seem to receive. Citibank verified my address and it was correct. I even received a debit card for the fraud account but shredded it because they said that the account was closed. I do not even believe them anymore.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 027XX
Submitted Via: Web
Date Sent: 2023-06-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-27
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I was the victim of abuse and financial exploitation of a vulnerable adult and several accounts were opened in my name while I was incapacitated. Numerous attempts to have this account removed from all three credit bureaus has been made, but the account holders continue to attempt to collect the debt despite knowing the items are the direct result of domestic violence and the abuse of a XXXX individual as documented in APS reports. I have had to flee XXXX miles with my XXXX child and these issues are hindering my ability to house my XXXX child and obtain services for him. I have no support system in this area that I was forced to move to for safety and it is imperative these issues be addressed and removed immediately. The proper law enforcement ( APS ) forms and FTC reports have been provided, yet the account holders continue to verify the information is " accurate '' and " updates '' it to keep it on the report. Several agencies realize that the accounts are legitimate fraud, and continue to sell or resell the accounts nearly monthly as they know the monies are not recoverable legally. Please remove these accounts from all three reports as I am not legally responsible for them as I was medically incapacitated/under duress during the time of the purchases and can not be held liable, and the documented victim of financial exploitation. I am unsure why either XXXX or WAYFAIR would have had a Citibank response, as the report shows XXXX is the " owner '' and the accounts were sold. My report shows both accounts Citibank responded to me as " owning '' originate with XXXX XXXX ( as does a XXXX XXXX XXXX card that is not mine ) not Citibank. I have never had a Citbank account of any kind. The Wayfair account is listed as XXXX and is listed as XXXX and XXXX owed and opened in XX/XX/. IF the XXXX XXXX XXXX Card is also Citi 's, and once Again ALL THREE are listed as XXXX XXXX on my report, that would also need deleted. The account, account number XXXX, reference number XXXX XXXX XXXX on XX/XX/XXXX and was opened with XXXX XXXX. The XXXX account account ending in XXXX, formerly XXXX is listed as XXXX. ALL THREE should also be referred to the collections agencies they were sold to for deletion immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 17325
Submitted Via: Web
Date Sent: 2023-06-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-27
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, I used my Citi Advantage Platinum Select Card to pay for taxi service from the XXXX XXXX XXXX in XXXX to our hotel. We hadnt converted any of our dollars into pesos yet, so we asked the driver if we could use a credit card. He said yes, but that he didn't have a credit card reader and would have to stop by his " office '' to run the card. At this stop, a fellow " employee '' stood on the curb outside an unremarkable office building with one of those portable, hand held card readers. The stop itself was strange, but we thought we are in a foreign country. My husband handed this person our Citibank Double Cash Card that was declined immediately. Then my husband gave him another Citi Costco Card and it was also declined. Since my Citi Advantage card and just been recently issued I offered it for payment knowing that there was no way this new could be declined. It was! At this point we suspected that the driver and his assistant were stealing our card numbers. We confronted the driver and his assistant about what they were doing and paid for the ride with cash ( {$25.00} ). As soon as we reached our hotel room, we called the numbers on the back of each of these 3 Citi cards. All 3 cards numbers were immediately cancelled and we were told new cards and numbers would be sent to us in XXXX XXXX, UT. Each card had had a transaction of over {$7000.00} on the cards for XXXX XXXX XXXX in XXXX. We were told that those amounts had been red flagged for security and removed, except for the Advantage Card. The card rep indicated that she too saw the charge and that more info may be needed but in the meantime they would issue a new card and number. We boarded our cruise ship the very next day and were gone for the next 25 days for XXXX XXXX and XXXX. We only had our bank debit/atm card to use now for the remainder of the trip. Cellular service was sporadic and a nightmare once onboard. We couldnt provide any receipts for a transaction because we werent given one. We couldnt contact XXXX XXXX XXXX either as no phone number could be found.Contacting the Advantage customer service, dispute and security operations repeatedly. Communication was difficult because we were offshore and the language and accents of representatives were limited. We repeated the details of this fraud ever time we called. We were handed off/or transferred with every phone call at least 3 times to another person who was supposed to help and who told us not to worry. We know credit card companies keep records and transcripts of calls, but we're still asked everytime for additional information and documentation that had already been given repeatedly. There was no paper documentation trail except for our Advantage statements. Citi knows this and their investigation had to include their contacting the " fake provider ''. I couldn't find a phone number or address ; nor could they. Yet they handed us off again and again and again challenging us by defining terms like dispute resolution versus security fraud. The latest letter advises us that the services were rendered in XXXX and that NO DISPUTE WAS INITIATED until XXXX. This was ludicrous! I have their letters dated XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX and XX/XX/XXXX. In this last one, they had closed their NON investigation and are unable to credit my account .The fraudent charge first appeared on my XX/XX/XXXX statement that was due XX/XX/XXXX. I was surprised to see it there given the many phone calls I had made. While waiting for all this to be resolved, fees and interest on the unpaid balance have accrued ; because it was never authorized. It's a bogus company. BTW : I have a picture of the taxi driver and the license plate. I didnt report the scam to local law enforcement because it would have delayed our departure on the cruise ship for a once in a lifetime trip for the next day. I didnt report it my local UT state officials because this happened in a foreign country, and because I thought Citi Advantage card had my back. Do I need to contact the US Embassy in XXXX about this crime? Right now I feel like my credit card company is just as bad if not worse than the taxi scammers with the run around they've been giving I want my Citi Advantage Platinum Select Card company to credit my account for the amount charged by XXXX XXXX XXXX, XXXX and waive all late fees and interest accrued since the charge was posted. That would be XXXX plus interest and late fees.They know and have recorded our call to their customer service on XX/XX/XXXX because they issued a new card and number to me. My husband and I are scratching our heads as to why two other Citi cards ( Double Cash and XXXX ) that we have had for a longtime and pay on time were able to take care of this fraud, dispute, scam or whatever you want to call it and credit our accounts immediately. I expected Citi Advantage would do the right/correct thing like their sister companies. I feel betrayed by this company BIGTIME, given our history with American Airlines Advantage accounts and our other Citi cards.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 840XX
Submitted Via: Web
Date Sent: 2023-06-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-27
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2023 Citi bank randomly closed and froze my bank account with over {$6000.00}, my only money. Im a single father with XXXX children, I tried to e-deposit a scholarship check and my account was frozen within 3 hours. I called Citi-Bank and they said it would take 60-80 days to get my money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33133
Submitted Via: Web
Date Sent: 2023-06-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-27
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: XXXX was fraudulently charged. I notified the credit card company ASAP. They cancelled the card and stated that they would reimburse the chargers. This was in XX/XX/2023. I noticed from my XXXX statement that the charges have reappeared on my card as well as a duplicate charge. I jave called the credit card company and I am not happy about their response.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85737
Submitted Via: Web
Date Sent: 2023-06-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-27
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: Subject Complaint Regarding Refund Denial by XXXX XXXX and AAdvantage Credit Card Dear CFPB, I am writing to file a complaint against XXXX XXXX and AAdvantage Credit Card regarding the denial of a refund for my canceled flight reservation. I believe that both entities have violated consumer protection regulations in the banking and airline sectors, as outlined in the Federal Register document titled Airline Ticket Refunds and Consumer Protections ( Document ID : XXXX ). I seek your assistance in resolving this matter in accordance with the aforementioned regulations. On XX/XX/XXXX, I purchased two tickets for my wife and child from XXXX XXXX, with a total cost of XXXX. Unfortunately, the day after the purchase, both my wife and child tested positive for Covid-19. In response, I immediately canceled the reservation but was not provided with a credit or refund by XXXX XXXX. Subsequently, I contacted XXXX XXXX ' customer service multiple times, only to be advised to approach my credit card company for a refund. On XX/XX/XXXX, I received an email confirming the cancellation of the reservation from XXXX XXXX ; however, no refund was granted. To rectify this situation, I promptly filed a complaint with the following details : Complaint Details : Complaint Record Number : XXXX AAdvantage Credit Card : Account number XXXX XXXX XXXX XXXX Amount XXXX The merit of this complaint can be attributed to the following factors, which are in violation of the regulations outlined in the Federal Register document : Violation of AAdvantage Travel Back Guarantee : Upon opening my AAdvantage Credit Card account, I was informed by a sales agent that it includes a travel back guarantee, which covers trip cancellations. In this case, despite the cancellation being necessary due to unforeseen circumstances, I was denied any form of refund. Reference Airline Ticket Refunds and Consumer Protections Federal Register Document ID XXXX XXXX Failure to Comply with COVID 19 Pandemic Regulations At the time of the flight cancellation on XX/XX/XXXX, the Centers for Disease Control and Prevention ( CDC ) still had the US COVID-19 Public Health Emergency ( PHE ) declaration in place. As per the regulations outlined in the Federal Register document, airlines were required to offer free cancellations if a positive Covid 19 diagnosis was encountered. However, XXXX XXXX did not honor this regulation and denied any form of refund. I kindly request your intervention in this matter and urge you to investigate the actions of XXXX XXXX and AAdvantage Credit Card. I believe that both entities have violated consumer protection regulations, as detailed in the Federal Register document, and that appropriate measures should be taken to ensure I receive the refund I am entitled to under these regulations. I have continued to reach out to Citibank Credit Card customer Service and the complaint still is in Pending Status since XX/XX/XXXX. Please find attached copies of all relevant documentation supporting my complaint, including the reservation cancellation email from XXXX XXXX, the credit card statement showing the purchase, and any other pertinent evidence. I appreciate your attention to this matter and look forward to a swift resolution. Should you require any additional information or have any further inquiries, please do not hesitate to contact me. Thank you for your commitment to protecting consumer rights and upholding the integrity of the banking and airline sectors. Yours sincerely XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91342
Submitted Via: Web
Date Sent: 2023-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-27
Issue: Trouble using the card
Subissue: Trouble getting information about the card
Consumer Complaint: Opened a XXXX credit card back in XXXX made purchases and payments on it. In XX/XX/XXXX I started getting correspondence addressed to the estate of XXXX XXXX saying that I was deceased. My friends and family started reciving phone calls asking who was in charge of my estate to which they responded that I was not deceased I had told them the samething when they contacted me. They closed my account anyway. This is not fair to me as I'm not deceased I made payments on time. Citi bank is also condmfusing this with a sears Mastercard that I had back in XXXX that was a victim of fraud which is not the card im writing about. Im writing about XXXX Master card. They say they can not reopen the account that is not fair to me. I explained to them that I was alive and well. Iam asking that at least a new card be issued to me cause of all the inconvenience.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44087
Submitted Via: Web
Date Sent: 2023-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A