Date Received: 2023-06-12
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I'm trying to close my IRA and transfer the funds ( about {$3700.00} ) to my checking account with Citibank. I first visited a branch in XXXX XXXX XXXXXXXX XXXX in early XXXX and advised it could not be done at a branch. I was given XXXX pages of forms to complete and send to a processing center in XXXX XXXX, XXXX which I did on XX/XX/2023. When nothing happened after about XXXX weeks, I called them and was told my SIN on the forms did not match their records. I doubled checked it with the rep over the phone and was told there was nothing they could do and hung up on me. I called back and got the same result. Last week I then went to the the Citi branch at XXXX XXXX XXXX in XXXX XXXXXXXX XXXX for assistance and my actual Social Insurance card to show the number matched that submitted on the original forms. After much delay and confusion they could not help me. I'm entirely frustrated by Citi 's inability/willingness to make my retirement savings accessible after numerous attempts and without any explanation. This is obviously a relatively small amount, but for comparison I was able to withdraw IRA funds from a XXXX XXXX branch getting a cashiers check for a much greater amount and in under XXXX minutes.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-13
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 have been going through a continuing dispute process with Citi Credit Cards and they have been repeatedly reversing and recharging the same amount to prolong the dispute. They are repeatedly calling me and harassing me over and over by calling me and not leaving any VM or email. I filed a complaint/dispute with the Citi Cards regarding a XXXX charge on XXXX I filed explaining clearly that I had made a purchase online but did not receive the shipment. I indicated that I spoke with the vendor about the non-delivery of the items numerous times but to no avail. In addition to not receiving the shipment I had initially debated with the vendor about a 10 % discount that they offered to me, but then later refused to honor after I had made the purchase. In regards, to the non-delivery, the vendor had informed me to file with XXXX so that they can get insurance claim monies back for the shipper XXXX XXXXXXXX XXXX which I did. However, after numerous attempts at attempting to work with the vendor, they did not resolve my issue and continually informed me that there was nothing they can do as they are not responsible for the shipment after it leaves their facility. After numerous failed attempts at resolving this issue to either have a new shipment or refund from the vendor, I informed them that I would be disputing the charges that I paid via my Citi credit card for the amount of XXXX as I had not received anything. Therefore, I filed a dispute with Citi Card about this and after a few weeks I received a letter from Citi Cards that indicated that since the vendor had provided a partial credit, which was the 10 % amounting to XXXX, they stated they are closing their investigation and reversed and charged me the XXXX once again, which appeared as a charge on XX/XX/XXXX on my billing statement. Citi sent me a letter indicating that the vendor provided XXXX, therefore they are closing the dispute and reversed the charges and if not satisfied I had to send in this letter to again open the investigation. I sent in the letter and indicated that this is not satisfactorily resolved at all. So on XX/XX/XXXX, they again provided a conditional credit for the dispute of {$84.00}. However, they have not resolved nor provided a permanent decision and it is now XX/XX/XXXX, which is over 40+ days from XX/XX/XXXX and nearly 85+ days from XX/XX/XXXX. Citi is repeatedly delaying the outcome or final permanent decision on this and this prolonging and delay is jeopardizing my insurance benefit filing which I have, which is 90 days from the initial purchase date, which Citi had informed me to not file until the dispute is resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89131
Submitted Via: Web
Date Sent: 2023-06-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-13
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: This year i have had to replace two credit cards for online transactions because of Fraudulent web sites or company 's. Text today from phone # XXXX. This is the text as follows, XXXX XXXX XXXX : citybankN.A. We ' locked your debit card. Visit XXXX XXXX XXXX Thank You ; XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 974XX
Submitted Via: Web
Date Sent: 2023-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-13
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: The account below is not my account. I DID NOT open this account this is fraud and NOT my account. XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {XXXX} written off. {XXXX past due as of XX/XX/XXXX. Status updated XX/XX/XXXX Balance {XXXX Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {XXXX} Highest balance {XXXX} Terms I would like for them to remove immediately it is hurting my ability to obtain credit. Thank you-
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55412
Submitted Via: Web
Date Sent: 2023-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-12
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: In XXXX of XXXX, credit cards were opened in my name with Shell Oil and Best Buy. A additional phone and a PC was added to my XXXX account. The PC charge was {$1900.00}. An application for unemployment was made with my personal information to the state of Ohio in XX/XX/XXXX. My name and personal information, including my SSN, has appeared on the " dark web ''. We discovered this fraudulent activity on XXXX XXXX, a monitoring services for those of us who were affected by the hack of OPM. The unemployment claim was discovered when I received a letter from Ohio ODJFS asking for more information regarding my unemployment claim.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 454XX
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-12
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Citi Bank received and approved a fraudulent credit card application from someone using my identification information. It resulted in a new account being opened. I called Citi and reported the fraud. Citi cancelled the card and opened an investigation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30344
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-12
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-I was charged for an amount of {$1600.00} for a healthcare service that ended up damaging me and cost me more money out of pocket. I cancelled the service early ( as there was more service previously booked ) and left the merchants home due to injury. I disputed the charge with Citi Bank, sent in proof of flights leaving the merchant, XXXX accommodation for time needed to heal before traveling back to my home, flight leaving back to my home, and an invoice from a local XXXX from the damages done. I have provided ample amounts of proof for the dispute, while the merchant has none. Attached : -Proof of original flight. XX/XX/XXXX - XX/XX/XXXX. -Proof of departure from merchant XX/XX/XXXX. -Proof of XXXX stay. -Invoice proof of damages. The company resolved half of the issue, and is not assisting with the other half. I was told the other half would be taken care of, but now it just sits in my account is becoming a late payment. I have called multiple times, and each time I get a different answer. This other {$600.00} needs to be removed from the account. On XX/XX/XXXX and XX/XX/XXXX, I called and spoke with representatives who assured me that the dispute for the remaining {$600.00} was reopened and a {$600.00} conditional credit would be offered, and I would not be facing any late payment fees or charges. The charge was never removed and no conditional credit was given. I called back on XX/XX/XXXX, and was given completely different information about the dispute being closed. Citi Bank representatives have given me false information and have no damaged my credit report. According to 15 U.S.C. 1666 ( b ) Billing Error : ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. Citibank failed to issue a credit as they said they would, and have violated my rights as a consumer. The remaining balance of {$600.00} needs to be removed within 4 days of receiving this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95822
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-12
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I've sent two cease and desist letters certified mail to Citi Bank and both have been ignored. I receive repeated phone calls every day, I receive phone calls at work, and they have even contacted my family members despite both my letters specifically stating they do not have my permission to contact my phone number, my family members, and that my workplace does not allow these types of calls.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33584
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-12
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: Someone fraudulently charged {$750.00} from XXXX on our card and Citi will not take it off!!!!!!!!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32301
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-12
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: During the year XXXX my husband was XXXX of XXXX. I had to contact a debt management company for help. The following companies agreed to close the accounts for less than the money owed. They listed the accounts as XXXX on my credit report. I would like to try to have them removed as I am in the process of applying for a mortgage and they are bringing down my XXXX XXXX. Since that time, I have not had delinquent accounts and I am hoping to get this cleared from my report asap. CBNA XXXX CARD XXXX Can you please help me remove these charge off accounts?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 078XX
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A