Date Received: 2024-02-12
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: long long long process : 17 was STOLEN from my card. it was FRAUD. while Citibank examined this fraud, they told me NOT to pay the card. I did not. THEY INSTEAD PENALIZED ME FOR LATE FEES and REFUSED TO TELL ME THE BALANCE on what I purchased. THey reportred me to all XXXX credit bureaus. I AM PAYING NOW : 1. my balance LESS the late fee because they told me to NOT pay the card while it was being investibated for FRAUD for XXXX THey need to : REMOVE my name from XXXX, XXXX XXXX and the other crediit organization because they made my credit go from XXXX to XXXX I called htem, wrote to them, wrote to their exec team, complained to XXXX XXXX involved my lawyer XXXX XXXX XXXX These people are absolutely disorganized. happy to provide all XXXX plus correspondence. THey need to CLOSE MY CARD wh ich I have asked over and over and over and over again. are they just plain STUPID
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-02-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-12
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I initiated a transfer of my student loan refund into my XXXX XXXX account at approximately XXXX XXXX Subsequently, I enhanced the security settings of my Citibank online checking account, with the intention of bolstering its protection, and transferred the said refund from XXXX XXXX to Citibank. Approximately two hours post-transfer, at around XXXX XXXX, I attempted to execute a payment of {$77.00} to XXXX, the XXXX XXXX, through my Citibank account using my Citibank debit card ending in XXXX This attempt, and subsequent attempts, were declined without explanation. Upon trying to access my Citibank account via the mobile app, I discovered that access was denied. Efforts to transfer the funds back to XXXX XXXX were also declined. Further attempts to access my Citibank account were met with a message indicating that the account was blocked. Contact with Citibank customer service for resolution was unproductive ; representatives were unable to verify my identity with the information I provided, which had never been an issue in the past. Each interaction with customer service ended abruptly as representatives disconnected the call without offering any resolution or explanation. As of this report, I remain unable to access my account. The lack of access to my funds, coupled with the dismissive and unhelpful attitude of the customer service representatives, has left me in a precarious financial situation. The inability to access my own funds, the absence of a clear explanation, and the apparent disregard for resolving the issue lead me to believe that this situation constitutes fraud or theft by the bank. I firmly believe that the actions, or lack thereof, by Citibank have resulted in the unauthorized withholding of my funds, constituting a breach of trust and potential fraud/theft. The refusal to grant access to my account or return my funds, despite multiple attempts at resolution, supports this claim.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 852XX
Submitted Via: Web
Date Sent: 2024-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-12
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue: Confusing or misleading advertising or marketing
Consumer Complaint: Misleading advertisements
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60527
Submitted Via: Web
Date Sent: 2024-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-12
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: 1 ) Sold my XXXX XXXX, and funds deposited back to Citibank account 2 ) XX/XX/XXXX, Tried to withdraw money from Citibank account a few times, but all attempts were unsuccessful even with the help by the Citibank rep during 2 phone calls. 3 ) XX/XX/XXXX, I lost access to my account, and was told the account was being closed, and I would be getting a check in 30 days for the fund in my account 4 ) XX/XX/XXXX, Called Citibank for status of the check, was told that it's being processed, and no account balance info could be provided 5 ) XX/XX/XXXX, Called Citibank for status of the check, was told that no updates from back office, and would send an expedized request, and again no account balance info could be provided 6 ) XX/XX/XXXX, Called Citibank for status of the check, was told again that no updates from the back office, and would send an expedized request, and again no account balance info could be provided It's been over 4 months, no communication received from the bank regarding the account closure, and since I no longer has access to my account, I has been kept in dark of any info on my account. I'm deeply concerned about the safety of my funds.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63026
Submitted Via: Web
Date Sent: 2024-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-12
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: my credit card was lost, its a XXXX mastercard provided by cbna and was used for XXXX $ i reportedit lost on XXXX of 2023 they closed the acct and said that after investigation these were my charges as one of the places the card was used, was also used by me on previous bill as it happens to be in my area that i live, i was not given any proof or anything to how come this decision was made
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60169
Submitted Via: Web
Date Sent: 2024-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-13
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: NOTE : The CFPB Website is extremely limited in its fields of explanations so " The wrong amount '' was checked, so the complainant could continue with this complaint, the reasons are but not limited to : Violations of the FDCPA, CFR, and TCPA. This complaint is not to remedy any violations but to make an Official, permanent complaint to mark a series of FDCPA violations that are pursuant to " deceptive business practices '' and mark a general disposition and or practice by the company XXXX XXXX XXXX which is a debt collector defined by the FDCPA and the TCPA. 1 ). In the year of XXXX a Credit Card Account was initiated with CITIBANK d/b/a CITICARDS. 2 ). The Account was in dispute by phone and notarized affidavit after the complainant noticed a myriad of discrepancies on his account statement. 3 ) .CITIBANK d/b/a CITICARDS ignored all claims made by the complainant violating billing error resolution laws. 4 ). The only response from CITIBANK d/b/a CITICARDS was a letter stating that it wouldn't contact the complainant about the alleged debt any longer. 5 ). The dispute remains unresolved. 6 ). CITIBANK d/b/a CITICARDS sold/assigned the open disputed account to XXXX & XXXX XXXX without the complainants permission or consulting with the complainant about the account. 7 ). CITIBANK d/b/a CITICARDS disseminated the complainants personal identifying information during an open, unresolved billing error dispute without the permission or consent of the complainant. 8. ) XXXX XXXX XXXX XXXX has been made aware multiple times that this account was in dispute, and that it has acquired my PII by identity theft and also that it was in violation the FDCPA by attempting to collect this alleged debt. 9. ) XXXX XXXX XXXX XXXX has submitted and filed false and misleading affidavits in a Court of Law. XXXX. ) The complainant has made XXXX XXXX XXXX XXXX aware of its " unclean hands '' because of the fact that line 9 of the affidavit that was submitted in a TN General Session court to initiate legal action was false and misleading but continues to pursue action, though it knows its actions are unfair and deceptive violating the FDCPA-TCPA including but not limited to : CFR 12 1006.34 ( c ) ( 3 ) ( i ) in particular part : " the debt collector must cease collection of the debt, or the disputed portion of the debt, until the debt collector sends the consumer either verification of the debt or a copy of a judgment ''. Note : ( A billing statement alone is not sufficient validation of a debt, nor does it reflect any actions in pursuant to the resolution of a billing error or dispute from them or the original creditor. 11 ). XXXX & XXXX have no proof of assignment. 12 ). The Account in question has been charged off as of XX/XX/XXXX. XXXX. 13 ). In the State of Tennessee pursuant to a TN Bankruptcy Court ruling : In re XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Summary ; concluded that the creditor or ( third party debt collector ) can not collect on a debt that has been charged of due to its inequitable nature, by having the debtor claim the 1099-C as income and still have to pay the alleged debt back. 14 ). These action from XXXX XXXX XXXX are meritless, in gross violation of the FDCPA TCPA and is in defamation of my character and the complainant has suffered actual harm because of these actions by XXXX XXXX XXXX XXXX. 15. The complainant will reiterate previous statements that XXXX XXXX XXXX XXXX has a habit of violating Federal and State Debt Collection Laws, and are hallmarks of a continuing illicit enterprise of profit by way of those violations. XXXX XXXX XXXX XXXX has made it a generalized practice to violate the FDCPA and disregard State law, and now have well over a hundred complaints via the CFPB and the XXXX that are increasing every month. 15 ). XXXX XXXX XXXX XXXX has a generalized practice of violating the FDCPA until a recourse of legal action is brought against them in District Courts throughout the United States were they mostly settle with the Plaintiff who took the action against them. 16 ). XXXX XXXX XXXX XXXX is taking advantage of unsophisticated consumers who don't have the money for good Attorneys, don't understand the law, or the rights that they have as consumers, hallmarking despicable predatory actions against the American consumer. 17. ) The complainant has contacted the TN Attorney Generals Office in regards to this issue
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 372XX
Submitted Via: Web
Date Sent: 2024-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-13
Issue: Fraud or scam
Subissue:
Consumer Complaint: I am a victim of pig butchering scam. I wired money to XXXX XXXX on XX/XX/XXXX for {$55000.00} and on XX/XX/XXXX for {$110000.00} through my bank account with XXXX XXXX XXXX. I initiated wire recalls on XX/XX/XXXX once I came to know about the scam. This business is using wire transfers as part of a scheme to defraud or to obtain money by means of false or fraudulent pretenses My complaint alleges that the proceeds of wire fraud was involved in money laundering and Banks are facilitating. I initiated wire recalls through my XXXX XXXX XXXX on XX/XX/XXXX, but so far no recovery is done. 2 wires in the amount of {$55000.00} sent on XXXX and {$110000.00} sent on XX/XX/10 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NJ XXXX Beneficiary 's Account Number : XXXX XXXX Routing Number:XXXX Bank Name : Citi Bank XXXX XXXX XXXX XXXX Bank Address:XXXX XXXX XXXX., XXXX XXXX XXXX NJ XXXX I have reached out my local XXXX law enforcement who has reported the case and assigned detective XXXX I have reached FBI through IC3 form and currently working with a FBI Agent XXXX XXXX from XXXX XXXX, CA, who is assigned formally to investigate my matter. My case # with the FBI is XXXX I have also reached out other authorities like FTC, CFTC, SEC, NFA, XXXX, Attorney General of Georgia, CFPB, OCC, FINRA, DFPI and XXXX XXXX District Congresswoman. I just want XXXX XXXXXXXX XXXX to return my money that I wired to XXXX XXXX XXXX XXXX XXXX under false pretense and misrepresentation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91741
Submitted Via: Web
Date Sent: 2024-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-13
Issue: Improper use of your report
Subissue: Report provided to employer without your written authorization
Consumer Complaint: There was no action. Per example, I have health insurance but medical companies failure to charge my insurance but instead charge me and send my information to other consumers to bother me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 334XX
Submitted Via: Web
Date Sent: 2024-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I XXXX XXXX XXXX sent the Letter below along with an identity theft report from ( FTC ) to XXXX XXXX XXXX via certified mail XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern, I am contacting you in reference to the alleged debt reporting on my consumer report with the account number XXXX -. According to 15 USC 1692 ( a ) congress has found evidence of abusive, deceptive and unfair debt collection practices. I am herby informing you that because of this i have suffered financially and mentally. Your company has harassed me for an alleged debt that has not been lawfully validated and sent a consumer contract which case law XXXX XXXX XXXX XXXX XXXX says is not sufficient evidence of a debt. Your company has continued to intimidate me and be deceitful which has caused me to have marital issues that i can not even afford to handle professionally. I am granting your company the opportunity to resolve this matter by the following instructions : 1. DELETE THIS ALLEGED DEBT FROM ALL CONSUMER REPORTS AND FILES 2. CLEAR ANY ALLEGED BALANCE 3. REFUND ALL PAYMENTS MADE ON THIS ACCOUNT Thank you for your attention in this matter, XXXX XXXX XXXX, Without prejudice, All Natural Rights Reserved
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30907
Submitted Via: Web
Date Sent: 2024-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-12
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I am writing to formally express my dissatisfaction and concern regarding the decision made by Citibank to deny my recent application for a credit card. The denial was based on the presence of a collection account on my credit report, which I must stress is not a reflection of my financial behavior or creditworthiness. This account is, in fact, the result of identity theft an issue that has plagued me and against which I have been diligently fighting to protect my financial integrity. It is disheartening to see that despite my efforts to rectify this situation, including the filing of disputes with credit reporting agencies and the provision of substantial documentation to prove my case, my application was still denied. I want to emphasize that the collection account in question does not belong to me. I have been a victim of identity theft, and the fraudulent activities conducted under my name should not be used as a basis to evaluate my creditworthiness. Furthermore, it is important to address the matter of the security ( application ) that I tendered to Citibank. It is my understanding that such securities are commonly traded by financial institutions and can be leveraged to generate profit. Despite the erroneous collection account, the value I offered through my application remains a viable asset that Citibank can capitalize on. Therefore, it is perplexing and unfair that my application was rejected on grounds that are not only incorrect but also overlook the potential financial benefit to Citibank. Enclosed with this letter, you will find a detailed report that outlines my situation, including evidence of my identity theft case and the steps I have taken to dispute the wrongful collection account. I kindly request that my application be re-evaluated in light of this new information, and that greater consideration be given to the fact that the negative mark on my credit report is the result of criminal activity, not financial irresponsibility on my part. I trust that Citibank values fairness and the importance of accurate information in making credit decisions. As such, I hope for a prompt review of my case and a favorable reconsideration of my credit card application. I am willing to provide any further information or documentation that may be required to facilitate this process. Thank you for your attention to this matter!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77007
Submitted Via: Web
Date Sent: 2024-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A