Date Received: 2023-06-11
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I became knowledgeable that my credit score had dropped significantly from a XXXX card bill which I received- I called XXXX to find out why - My credit is perfect and I don't carry any balances on credit cards- They advised me that Citi card had a $ XXXX plus balance which was derogatory and advised me to call them- so I did- I opened an investigation with them after learning that a card was opened in XX/XX/XXXX- I did not apply for a Citi card in XX/XX/XXXX- I never heard back from Citi - about thirty days later I called XXXX again because I had made a compliant about the fraud account, they advised me that Citibank declarer that it was my account. This is untrue. I called Citibank again. The first compliant was on XX/XX/XXXX & the second one on XX/XX/XXXX- they said they will investigate it. I'm getting nowhere with them, they are useless, there consumer help line you only talk to people who struggle with English, don't care what you have to say and don't resolve anything. What I have learned so far is that the charges were made in Florida, where I don't live, I never received a bill or notice from Citibank related to the charges. Its a fraud account or stolen account - The charges are not mine. This should be easy to investigate - I asked them where are the bills going, they wouldn't answer. I need it resolved immediately Its is stolen, fraud whatever you want to call it- Citibank is making it impossible for me to resolve, cant talk to anyone with a any expertise in these matters just incompetent people who are the furthest thing from helpful or concerned.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07866
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-10
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: Citibank recently pulled a credit report on me without my consent which is illegal and reduced my credit limit across all XXXX cards with them by XXXX without notice leaving me little to no credit for recurring bills and essentials like gas and ezpass and even medical care for my XXXX that goes on these cards. Because of this very drastic change without notice I was not able to financially plan well. Additionally, my credit score had recently increased and my income has significantly increased since completing school and starting a new job in XXXX. So their decision doesnt even makes sense. I made XXXX calls with XXXX recourse offered and was even hung up on, except to read the letter coming in the mail. Statements that had even closed on XX/XX/08, XXXX days ago still stated my old limits. Reasonable notice should be mandatory.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ME
Zip: 041XX
Submitted Via: Web
Date Sent: 2023-06-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-10
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 received a fraud alert from citi credit card company by email and text on XXXX somebody atempted to make a purchase for {$500.00} at XXXX store in XXXX and it was declined. So I logged in my citi card online account to check, it showed a transaction of {$500.00} at XXXX XXXX in XXXX and a transaction of aboout {$20.00} at XXXX XXXX XXXX XXXX were declined since the card was not present, and I found another unauthorized charge of {$500.00} at XXXX XXXX in XXXX, so I disputed the transaction of {$500.00} at XXXX XXXX XXXX on XX/XX/ right after I received the fraud alert, however I received a letter form Citi Security Services on XXXX that letter says " We have compeleted our investigation, the card 's XXXX chip was used to make the transaction at a card reader, so we do not consider this fraudulent activity. ". I called Citi Security Operation right after I received the letter and they said they would re-open this investgation, however I received anoteher same letter " We have compeleted our investigation, the card 's XXXX chip was used to make the transaction at a card reader, so we do not consider this fraudulent activity. '' on XXXX Please show me the signature. I have never used my citi credit card at XXXX XXXX or been to XXXX. Please dispute.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90503
Submitted Via: Web
Date Sent: 2023-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-10
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: CITI BANK NA. DECIDED TO CANCLE ONE OF MY DEPSOIT AND MARKED IT AS FRAUDLENT. AND MY ACCOUNT WAS MARKED FOR CLOSURE. I HAVE ALWAYS USED SAME ACCOUNT FROM XXXX XXXX XXXX TO CRDIT FUND TO MY CITI BANK ACCOUNT. THEY CLOSED MY ACCOUNT TOOK ALL MY ACCESS TO VIEW MY STATMENTS OR ACCT ONLINE. WHEN I CALLED THEY ADVISES A LETTER WILL BE SENT TO ME IN 7 DAYS ON XX/XX/2023. WHICH IS 80 DAYS NOW AND I HAVE NOT RECEIVED ANY COMMUNICATION FROM CITI BANK. I HAVE CALLED MANY TIMES TO GET MY FUNDS. THEY TREATED ME LIKE CRIMINAL AND NOW ADIVSING ME TO CONTACT MY ISSUER BANK FOR THIS FUNDS TO BE REPULL/OR START A CLAIM WITH THEM. ISSUER BANK XXXX XXXX XXXX IS SAID THERE IS NOT SUCH A THING THEY HAVE AND THEY SAID THEY HAVE NOT FLAGGED ANY ACITVITY AND NOT AWARE WHY CITI IS HAD TO CLSOSE MY ACCOUNT. ALL I NEED IS TO GET MY FUNDS BACK SO I CAN PAY MY BILLS AND NOT GET CHARGED LATE FEES.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 741XX
Submitted Via: Web
Date Sent: 2023-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-09
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: The Home Depot/Citibank card company is refusing to credit {$500.00} to me after I have completed the dispute process and has notified Home Depot corporation that they refuse to discuss the matter. A person, without my authorization purchased tools on my HomeDepot card. The card was reported as missing, cancelled the day after and though this person was not an authorized user, the company refuses to not only credit my account but they refuse to provide a copy of the reciept or video of the thief so I can pursue criminal charges. This originally occured on or about XX/XX/2022 and the dispute has been ongoing since that time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30518
Submitted Via: Web
Date Sent: 2023-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-09
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: My CBNA/SHELL card was closed on XX/XX/2022 the reported balance is {$7500.00} and XXXX reported balance {$6100.00}. A collection agency contacted me about this balance when I provided all the paperwork, they didn't understand why I was billed for the dispute and contacted the company. This account is with a collection agency and Citi is still reported a balance after transferring to an outside collection agency which is a violation. How can this account be with a collection agency that's attempting to collect this balance and Citi still reporting this balance after charging off this accounts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-09
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Since XXXX, Ive notice that my account didn't reflect the amount that was being deposited, I've called in so many times to be told the same thing like they are reading just what is in front of them. The online banking have made several errors in calculating mt transaction, I've been told by a bank manager before in the XXXX XXXX that I had too many transaction, I ve told her what does that have to do with anything thats a bank service, I don't understand. I have been dealing with this problem from Citi Bank for a very long time an I would like them to request a Audit from 2019 till now, I feel that you will fine this bank owes me some money cause I feel they have been ripping me off maybe before that date, but its time to get to the bottom of this situation. Please help cause I've tried on my own an having gotten anywhere.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91325
Submitted Via: Web
Date Sent: 2023-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-09
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Hello, I opened savings account with Citibank on XX/XX/XXXX and transferred first {$100.00} from my XXXXXXXX XXXX where I banked since XXXX - on XX/XX/XXXX. Second transfer was on XX/XX/XXXX for {$10000.00} and third transfer was on XX/XX/XXXX for {$4900.00}. Total transfer from XXXX XXXXk to Citi Bank {$15000.00} I received an email from the Citibank on XX/XX/XXXX stating that my saving account will be automatically closed within 60 days and money will be mailed to me within 30/60 days. In the email it says that if " I believe these funds should be send to me sooner than the expected closing date, please call the number on the back of my ATM card '' When I called the number, the response was, that I will receive the funds within 30/60 days no sooner. I am sending this complain and asking for your help to receive my money sooner then 30/60 days. And also, for awareness that Citi bank is holding money hostage from me and other customers for " Violating terms of service '' but all I did was to transferred money to Citi bank to start earning interest Citi bank advertised. Thank you for your support and help. I am looking forward to hearing from you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55124
Submitted Via: Web
Date Sent: 2023-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-09
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: Background : On XX/XX/XXXX, I placed a credit freeze with all Credit Bureaus due to identity theft. Current Issue : XXXX provided my credit report to Citi Bank despite freeze being in place. History : On XX/XX/XXXX XXXX PST, I received an email from Citi Bank / AAdvantage MasterCard that an application was pending under my name and information. I called the Citi Credit Card contact number at XXXX PST the same day, only one that was listed in their mobile app - XXXX, and they initially said they didnt see any applications under my name. They asked me to call their fraud department instead and provided me with their number. At XXXXXXXX PST same day, I called the fraud department number which was XXXX. The representative said they didn't see anything under my social security number and insisted that there were no other accounts. I provided her with the ApplicaitonID which was listed in the email, and she went back to look into it. Eventually, she said that this might be under applications department, not fraud department, and asked me to call them instead and provided me with their number. At XXXX PST the same day, I called the applications department. They asked if this was an authorized application and I told them it was not. She said she was sorry to hear and provided information that XXXX had provided the credit report. I double checked on XXXX Website to verify that I still had my credit freeze in place.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90057
Submitted Via: Web
Date Sent: 2023-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-09
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I paid the balance in full XX/XX/XXXX for {$3200.00} I paid {$1.00} for the interest of {$0.00} on XX/XX/XXXX and had late fee reversed. The account balance was confirmed XXXX with no further payments due. Now im told i didn't pay {$26.00} in interest from XX/XX/XXXX & have been charged an additional {$41.00} late fee. I was on the phone for 30minutes with 3 different " account specialists '' who couldnt find my account, couldn't explain what happened and gave me a new number to call XXXX XXXX XXXX XXXX couldn't help me and transferred me again. That man was going to resolve it, put me on hold and after some minutes, another woman started all over again and couldn't see the previous notes. After confirming that this call center is based in the XXXX and hearing that the phone quality is terrible she sent me to the " escallation department ''. I spoke with XXXX and started all over again. Could barely hear him, he said he couldnt do anything and even if I paid the {$67.00} before the due date of the XXXX, he couldn't say if the balance would be considered paid in full. I asked multiple times for a manager or supervisor and was told there wasn't anyone to talk to. I was on the phone for over 1.5 hours with no resolution, poor costumer service, poor phone quality and being given the run around in addition to being charged fraudulently.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98422
Submitted Via: Web
Date Sent: 2023-06-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A