Date Received: 2023-06-18
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: On dates between XX/XX/XXXX and XX/XX/XXXX 5 fraudulent charges were made on my Home Depot account unknown to me. These charges were made at several different Home Depot locations. The amounts were : {$720.00}, {$640.00}, XXXX, {$2700.00}, and {$10.00}. I notified Home Depot Credit Services by the number on the back of the card and reported it as soon as I discovered it. I called the next day also to check on it, and to make sure they knew. I also filed a police report with XXXX XXXX Sheriffs Office. The credit card company never contacted me during their investigation, but I received a letter on XX/XX/XXXX denying the claim, and threatening to report to the credit bureaus. I discovered that Home Depot had sent out 3 activated credit cards tied to my account that I did not solicit, desire, or have knowledge of, it was one of these cards that the charges were made with, not the one in my possession. The charges were made at multiple locations, types of purchases, and card used is not consistent with my purchasing pattern, and the needs of a XXXX XXXX XXXX man. These purchased were made at a series of different locations not relative to my resident address or where I typically do business.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ID
Zip: 83401
Submitted Via: Web
Date Sent: 2023-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-18
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: Unrecognizable charge
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06614
Submitted Via: Web
Date Sent: 2023-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-18
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: My credit reports disclose 7 Citibank accounts with disputed balances. These 7 accounts were all referred to multiple debt collectors in XXXX and XX/XX/2023, however in violation of the FDCPA I only received the required 5 day notice from 2 debt collectors for only 3 of the 7 accounts. The required debt collector notices were never sent for 4 accounts although required 5 days after the initial conduct. I have responded at length to 3 notices and intend to respond to every debt validation notice. The deadline to file the 5 day notice has long expired. Kindly Sen me the required 7 notices for all 7 accounts so that I may respond to all of them. I need the card agreement guide for every account. Pursuant to multiple previous communications, I have demanded and elected to choose mandatory binding private arbitration with XXXX as the sole available forum to resolve disputes pursuant to the arbitration clause provisions. As previous communicated, every account matter is effectively in arbitration lacking the mere ministerial payment by Citibank of its 100 % share of the XXXX arbitration fees and formal filling of Claim documents with XXXX. Any validation notice shall be considered your XXXX Claim.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32836
Submitted Via: Web
Date Sent: 2023-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-19
Issue: Fraud or scam
Subissue:
Consumer Complaint: XX/XX/2023 I went to my bank CITIBANK upon request of the landlord who told me to do the following transaction : 1. Purchase a Cashier 's check in his name for the total amount of {$1200.00} ; 2. Deposit the amount of {$1200.00} as stated on the Cashier 's check into his bank account at CITIBANK. XX/XX/XXXX, I went to my bank CITIBANK upon request again of the landlord who told me to do the following transaction : 1. Purchase a Cashier 's check in his name for the total amount of {$620.00} ; 2. Deposit the amount of {$620.00} as stated on the Cashier 's check into his bank account at CITIBANK. The moment I learned I became a victim of a rental fraud I contacted the bank and spoke with several departments including fraud, checks, customer service but all told me I have to go personally to the bank to report the issue. When I personally went to the bank to report the incident, I was told that the bank can't do anything about this situation which happened.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10458
Submitted Via: Web
Date Sent: 2023-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-17
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I keep getting calls from XXXX first the said I owed from XXXX almost XXXX after which I said I have no recollection of this cc ( I initially thought it was from XXXX which I have had a dispute with ) then they mentioned other debts I already called them before to explain this situation they started asking me many questions I was fearful this was so.e kind of fraud. I am poor on XXXX I survive on XXXX each month. I have only one cc which I don't use put pay a little on an old charge which is almost finished without issue I don't believe I owe this. Because I have limited income I can not pay for cc nor would I charge anything anymore since I am on ss
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-17
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I opened a one-year CD online in XX/XX/XXXX under a PROMOTIONAL APY of 4.15 % for {$50000.00}. It was on their website several weeks in XXXX and XXXX. My statement reflects 4.00 %. I contacted Citibank 3 times to get this resolved. I contacted them on XXXX, XX/XX/XXXX and XX/XX/XXXX to resolve this issue. This was a Promotional APY if you open the account online so I don't have anything showing the Promotional APY other than documenting the APY on my spreadsheet when I opened the account. Each time, they told me to wait for a reply XXXX days until they are able to review the case and get a resolution, but to this date, I've heard nothing back from Citibank. Each time I've spent over an hour on the phone with a customer service rep and a manager to resolve this issue. As of today, I've had no response from Citibank and will not spend any more time on their poorly run customer service.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 856XX
Submitted Via: Web
Date Sent: 2023-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-17
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Hi. On the XX/XX/XXXX I opened a business account in XXXX branch of Citi and prepared to participate in the {$1000.00} promotion for having {$50000.00} on the account. Two days after I left US to visit XXXX for a XXXX XXXX holidays. From there I set a {$10000.00} deposit from my account in XXXX bank. I did it from XXXX IP address and the bankers suspected fraud. Unfortunately, my Citi account access was blocked after this transaction. I called to the banker opened an account for me, he couldnt help. I sent him my XXXX bank statement, but without any luck. Then they decided to close my Citi personal account - because I did transfers to my own XXXX and XXXX bank account. And in the XXXX they even made a decision to close all of my XXXX credit cards, which I owed for a years. My first credit card account with Citi was opened in XXXX, so the closure was very sensitive for my credit score. I believe it was because add my Citi cards to the XXXX XXXX - its a special credit card allows transfer of purchases between my credit cards. This feature called Go back in time. I have many cards of different banks connected with XXXX This year I decided to get status with XXXX XXXX, so I made a purchases using different cards in the past and changed them in XXXX to XXXX XXXX XXXX. The bankers could decide, that I have many purchases at the same time and the same day. I even got a call from their fraud department and explained them the nature of the transactions. Now I have no relationship with Citi anymore and its so sad. I never had any debts or late payments in the past. Kindly ask you to reconsider this decisions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33189
Submitted Via: Web
Date Sent: 2023-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-17
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Between XX/XX/XXXX and XX/XX/XXXX I had several fraudulent charges to my Citi bank checking account totaling almost {$500.00}. On XX/XX/XXXX I spoke to a representative who started the dispute process. The rep informed me a new card was being expedited and that after the call was over a credit for the full amount would be in my account, but that I wouldnt be able to access the app for a bit. I kept checking the app and once I was able to log in the credit was not there. I reached out again and the second representative told me that that was indeed not the case and Id have to wait up to 10 working days. My car payment is late now and because of Citis lie I have no idea when Ill be able to pay it and may face repossession. Id just like my money back!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NH
Zip: 03103
Submitted Via: Web
Date Sent: 2023-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-17
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: This is the same message I sent to citi bank. I am not happy with how citi bank has treated me & Im about to unleash my wrath on citi bank thru social media. Prior to being away from home for 2 months, I called to make a final payment & to close my account. I paid it off. Thats over $ XXXX. When I returned home yesterday, I received a statement that said I owed {$1.00}. When I called to straighten it out, the unmitigated rudeness of XXXX, was unacceptable. He could care less what I had to say. The charges were now over {$2.00}. I paid it & told him I would not be in the state when my final statement would arrive & that there had better not be any further charges. He said, this amount is only a guess. There may be other charges. I told him there cant be other charges, the account was closed in XXXX! He just kept repeating the line. All I can say is, I will be reporting this to the XXXX, & the body governing banks! I am a XXXX XXXX XXXX veteran, who has spent his entire life working to achieve a credit score of XXXX. I dont miss payments. They dont just dole out this type of score to anyone! I worked for it. Now I have a bank that appears to be full of crooks, trying to XXXX me & my credit score. Is this what a XXXX veteran should expect from your bank? I think not. I will be contacting the media, if this cant be straightened out quickly. I am preparing to be out of the country when any additional statements will arrive. I paid off the entire amount, they told me to, but I think these changes should not have occurred in the first place, because I closed my account in XXXX, immediately after making the final payment. Same phone call. I am disgusted by XXXX & his inability to do anything to help me. I am more disgusted by citi bank for willfully trying to undermine my credit. This can not stand! If you cant figure it out, so my credit score doesnt drop, I will be the biggest mouth youve ever seen, that I promise! I will be discussing this with every veterans group I can find online. If that doesnt work, I will walk around outside your headquarters & time square, with a sandwich board strapped to my back, telling everyone what citi bank is doing to a XXXX veteran. I will not stop, until citi bank understands, they cant just XXXX people over, especially in these financially trying times! Please respond. I will be starting the rant on XXXX this evening! I promise it will hurt your bottom line, if I can convince everyone I know, to drop citi bank. I will be going to VA hospitals to discuss this with veterans support groups! This isnt the first time citi bank has screwed me over. I promise, a Pitt bull has nothing on me. I dont let go Thank you for your attention to this matter. I expect to hear from you with a quickness. Not happy with the shenanigans at citi bank, XXXX XXXX When I finalized my account, I cut the card up & threw it away. The statement doesnt show my account number, only the last 4, XXXX, I hope it helps,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 13820
Submitted Via: Web
Date Sent: 2023-06-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-17
Issue: Getting the loan
Subissue:
Consumer Complaint: called Citibank and let them know they ran my XXXX credit XXXXhree times on multiple days on five different day. I asked the rep why are they running my credit report multiple times and she arguing with me over the phone saying that they didnt when I have relevant proof. I asked Citibank to remove the multiple inquiries that they saying never received a credit report. I seeking legal action because I shouldnt have to argue with customer service when it is clearly showing on my XXXX credit report. I spoke to four different supervisors in the loan department at CITIBANK and was told they had a system issue. I recorded all the calls because I have a XXXX. I followed the federal under AMERICANS DISABILITY ACT regarding effective communication. I filed a lawsuit against CITIBANK Friday because my credit report was by the loan department. I am demanding the credit inquiries be removed because CITIBANK claims that they couldnt process the loan. I contacted XXXX and was told I need a letterXXXX said inquires was verified.How can you verify something if five inquiries where ran for a single application.I gave Citibank multiple chances to fix the problems now I filed a Small Claims court lawsuit because Citibank refuses to send letter to or XXXX to get the erroneously credit inquiries off my reports. I spoke to multiple representatives and they said only run XXXX and they kept arguing with me.When call Citibank the automatic system says a pending application and will have response in two days. It is four weeks now the loan is not adjudication.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94544
Submitted Via: Web
Date Sent: 2023-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A