Date Received: 2023-06-28
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: XX/XX/23 - I contacted Citi bank fraud department to inform them I received a reference letter to gain access to my account which they told me my account would have access to after I do so. I gave them a reference number from a letter I had to wait for 5 business days to receive. This is my main account I explained to them and not only is citi bank delaying my bill payment they are also crippling my money flow Inside of my account. So after a long hold on the phone the representative tells me I have to wait another 24-48 hours for a phone call to get access to my account. This haves been the worst banking experience I have ever encountered I am very XXXX and I even have gotten sick because of all of this stress that I can not access my account. I am backed up on bills and short of money because of citi bank. I even went to the branch and they told my my account was active then I check and it wasnt. This is very un professional and I feel very stressed that I can not access my primary account for nearly a week. I want damages paid on behalf of citi bank for XXXX XXXX and pain and suffering because now I am under the weather because of the XXXX citi bank haves given me
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10301
Submitted Via: Web
Date Sent: 2023-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-28
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Account has been paid in full, but it still shows as unpaid.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53210
Submitted Via: Web
Date Sent: 2023-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-28
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I received a text from Citibank credit cards stating that it was from their fraud department and they needed to speak to me about my account and shared a phone number to call. After calling their fraud department, they are somehow unable to verify my account using my phone number or email registered on the account and have to resort to sending me a letter through snail mail to validate I'm the owner of the account. I tried talking to a supervisor and calling back again but no one was able to help me verify my account through any other methods besides the snail mail letter. The letter can take up to 10 business days to arrive and in the meantime my credit card is locked and I can't use it to pay for important purchases. This problem has been reported by many people online as seen in the links below XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 221XX
Submitted Via: Web
Date Sent: 2023-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-28
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Account showing as delinquent when it has been paid in full.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53210
Submitted Via: Web
Date Sent: 2023-06-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-27
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have a Macy 's account that was put into collections by CitiBank. CitiBank violated the FDCPA by not contacting me with written or verbal notice. Instead of placing my account in collections, CitiBank immediately charged off my account and placed the derogatory charge off on my credit since XX/XX/2021. My family has also been affected by COVID as well during this period.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33076
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: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have a Macy 's account that was put into collections by CitiBank. CitiBank violated the FDCPA by not contacting me with written or verbal notice. Instead of placing my account in collections, CitiBank immediately charged off my account and placed the derogatory charge off on my credit since XX/XX/2021. My family has also been affected by COVID as well during this period.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33076
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: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I have had a credit card with Citibank for 6 years. My account is in good standing. The problem is with my online account. I have difficulty logging in, and then when I do login, my online information will not properly display - I can not see my transactions. This started on XX/XX/2023. I have discussed this with Customer Service and the Citi Technical Support ; their ticket number is XXXXXXXX XXXX XXXX. We have tried every suggestion they made, but the problem persists. I have sent almost daily reports to them about the problem, and provided screen shots showing the issue, but Tech Support has never responded. I never get any reports from Citi Tech Support on the status of the ticket. I was told that since very few people have reported a similar problem, they do not prioritize this problem for repair. I have no estime on timing for repair. I want my access fixed so that the online service performs as promised by Citi when I got the card. By not fixing the problem, they are withholding services that were promised to me and are associated with the credit card product.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92677
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: 2023-06-28
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account ( XXXX ) # XXXX, # XXXX, # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for a purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 15235
Submitted Via: Web
Date Sent: 2023-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-28
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 come to the CFPB portal to report my Credit Card Company is not willing to assist me properly and /or receiving contradictory information in 2 Disputes I filled with them against the same Merchant For 2 Charges One for {$1000.00} for Defective Service Repair I received from merchant, The Second Charge for {$650.00} 2 reasons, 1.- For not Authorized Credit Card Sales because the signature showing in the Credit Card Sales Receipt is not my signature. 2.- For defective and incompetent services received by the Merchant. All this Charges occurred between May 5 thru May 8 2023. The 2 disputes were timely filled with Costco Citibank Visa Credit Card. In the 2 Disputes I filed I'm invoking " The Fair Credit Billing Act is a 1974 federal law enacted to protect consumers from unfair credit billing practices. It enables individuals to dispute unauthorized charges on their accounts and those for undelivered goods or services. The Act provides consumers with protection from unfair billing practices such as : *Charges not authorized by the consumer* Charges with the wrong date or amount. Charges for goods or services that weren't delivered. *Charges for goods or services that were received but were not as described*. Calculation errors. Charges for which the consumer needs clarification. Billing statements delivered to an incorrect address. My 2 Disputes Falls into the categories marked with the sign. The Dispute # : XXXX Disputed Amount {$1000.00} falls into the category of *Charges for goods or services that were received but were not as described*. The Dispute # XXXX. Disputed Amount {$650.00} XXXXalls into 2 Categories : *Charges not authorized by the consumer* *Charges for goods or services that were received but were not as described*. I'm attaching properly support documentation in regards, I feel the merchant Cheat me with the Incompetent Services given and he got pay for something they didn't know how to repair it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91311
Submitted Via: Web
Date Sent: 2023-06-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-26
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: Ordered a pet confinement fence as seen on a XXXX. site on XX/XX/23. Pd with Citibank LLBean M/C Credit card. Company substituted a screwdriver set for the {$39.00} fence. No way to reach this company. Have tried. Citibank says my documentation does not support the claim against XXXX. This was purchased on the XXXX site with the Citibank LLBean M/C card. I have no further documentation. The site disappeared from XXXX right after I posted " scam '' .I need help to recover the {$39.00} I have been charged to my Citibank Card . Dead ended by Citibank. I sent Citibank as much documentation that I had which the P.O. tracking shows Citibank received on XX/XX/23.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 026XX
Submitted Via: Web
Date Sent: 2023-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A