Date Received: 2023-06-01
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I was notified by Citi bank that my funds have been frozen and that they are terminating my relationship with the bank and would not give me a reason. They told me that the process will take 30 to 60 days and then they will send me my funds by u.s. mail. All of my money is in their bank and I have no way to pay my rent or to buy food. I need my money as soon as possible since my wife of 30 years died last month and I have countless medical bills to pay, and I'm having to deal with the grieving process. I don't need the bank, but I do need my money as soon as possible, all I have is the money in my wallet. By the way, the bank is Citi bank, and this can't be legal. It also shows a lack of integrity and a lack of morals. In God 's name, Please help!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33324
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-01
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: The debt collectors who put unauthorized inquiries on my credit reports. The creditor of these inquiries did use misconduct and fraud while invading my privacy because I did not give them permission to pull my credit, nor did I give them permission to allow others to pull my credit at the same time. I did not give them written nor any permission AT ALL. The FCRA states it is against the law to report anything on my credit report that I did not authorize or want to be or should be not there!! I reached out through dispute multiple time on 4 inquiries with XXXX, XXXX and XXXX that were not authorized, nor had my signature or anything to pull my credit and the investigation came back in one day from the credit bureaus stating that this remains the same. How dare they come back in a day without any investigation with no change or deletion. Their bad tactics and incompetence behavior to help the customer is upsetting and made me physically ill. This was not authorized none of the inquires I disputed on all credit reports. I DID NOT AUTHORIZE ANY OF THESE INQUIRIES,
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: 2023-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-01
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am writing to file a formal complaint regarding an incident of identity theft and the lack of appropriate action taken by Macy 's in response to my claims. I believe my personal information has been compromised, leading to the fraudulent opening of a Macy 's account in my name without my knowledge or consent. After this situation I contacted the usps to forward all mail to that initial address given to me in my first correspondence with the company at " XXXX XXXX '' with my name on it to my address because I believe these people could have used all of my information to obtain more credit or other fraudulent use. Today I took the liberty of filing a police report about this fraud attempting a thorough investigation with this address originally on the account, after speaking with a consumer law attorney and identifying my rights and what possibly may have happened to cause this which she informed me is very common and should have been addressed at the first correspondence with this company. Identity Theft Incident : Upon reviewing my credit history, I discovered an unauthorized Macy 's account that was opened in my name. I want to emphasize that I have never applied for or authorized such an account. This clearly indicates that my personal information has been compromised, and someone has unlawfully used my identity for fraudulent purposes. Macy 's Response : Despite contacting Macy 's to report the fraudulent account and seeking their assistance in resolving the issue, their response has been inadequate. They have not provided me with the application related to this fraudulent account, even though I specifically requested it. This lack of cooperation and failure to address my concerns is deeply troubling. Impact on My Finances and Security : The fraudulent Macy 's account, along with other unauthorized credit card accounts opened in my name, has had a significant negative impact on my finances and creditworthiness. Additionally, I am deeply concerned about the potential misuse of my personal information by the individuals responsible for this identity theft. I have taken several precautions, such as placing a block on my taxes and contacting the Social Security Office, but I am still uncertain about the extent of the damage and the potential risks I may face. Request for Action : I am seeking your assistance in resolving this matter and holding Macy 's accountable for their negligence. I request that the Consumer Financial Protection Bureau conducts a thorough investigation into this case of identity theft and takes appropriate action to rectify the situation. This includes holding Macy 's accountable for their failure to provide me with the application related to the fraudulent account and for not taking sufficient measures to protect my personal information. Furthermore, I kindly request that you keep me updated on the progress of the investigation and any actions taken in response to my complaint. I am willing to provide any additional information or evidence that may assist in your investigation. Enclosed with this complaint, please find supporting documents, including any emails or correspondence related to the fraudulent Macy 's account and any other relevant information that may aid in your investigation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94589
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-02
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XXXX XXXX I deposited a United States treasury check for a XXXX disaster loan in the amount of {$25000.00} to make repairs on my home after it was flooded in a since declared disaster area of XXXX XXXX in XXXX. On XXXX XXXX I attempted to log into my citibank checking account and it would go thru. I called the bank and was told that the check is not a usual check they see and they can't verify so they will make my account inactive and ultimately close my account and my money that was already in that account will be mailed by check in 30-60 days. The whole purpose of this loan was to fix my house and now not only do I not have the loan, but they have my money that had nothing to do with transaction. I have mortgage and car insurance payments that need to be made like today. This is not how to handle a business. Take a legit check and making it an issue for no reason. I live paycheck to paycheck. I do not have supplement funds available to me to hold me over 2 months until they decide to mail me my money that was in that account before any of this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33312
Submitted Via: Web
Date Sent: 2023-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-02
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Have 2 payments showing past due on my account from XXXX and XX/XX/2002 as I dealt with the death of my Father. I had never been later before and had not been late since and was told they would remove it almost a year ago and it has yet to be removed. Was told today by the company it was up to the credit bureau and I needed to file a dispute. I did that over 3 months ago and the credit card company still has it still reporting the same after I had a conversation with them and was told it would be removed because they had seen how my payment history was and has been since opening up my account with them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30087
Submitted Via: Web
Date Sent: 2023-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-01
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I am a XXXX citizen and I have been a loyal customer of Citibank since XXXX. Over those XXXX years, I never gave any problems. I have a simple package of current & saving accounts ( one individual account, and one with my husband ), plus CDAs from time to time. I am writing because Citibank has blocked my account and a flaw in their process is preventing me from unblocking it. I moved from the XXXX to XXXX in XXXX. I updated my contact information with Citibank, and they have on their records XXXX XXXX mailing addresses ( in one of them I have received there countless letters in these almost XXXX years, latest one in XXXX this year ). Citibank also has on their systems a XXXX mobile number and a XXXX mobile number, both still valid and where I have received automated SMS from Citibank systems ( latest one in XX/XX/XXXX ). In XX/XX/XXXX, I visited friends in XXXX. It was the first time I was in the XXXX since before the pandemic. I visited a Citibank branch to open two CDAs, and make some updates to my account, as per the bank clerk recommendation. He suggested I upgraded to Citi Priority. During the change in the account package, I gave a second XXXX email address. The clerk told me I had to give a XXXX number ( they will never use it, they said ) so I gave my friends mobile number. Because my debit card was expiring this XXXX, I requested a new debit card at the branch, and used it for the first time in 3 years ( to get some cash, pay in two restaurants and in one souvenir shop ). I guess this activity may have looked suspicious to Citibank and they blocked my account. I was only in the XXXX between XX/XX/XXXX and XX/XX/XXXX. When I was back in XXXX, I received an email to call their Fraud prevention line to fix the issue. I promptly did the same day I got the email ( XX/XX/XXXX ). The person on the line told me that the only way to unblock my account was if I called them from a verified XXXX number. I explained to her that I do not own a XXXX number for XXXX years and that they have both my XXXX and my XXXX numbers on their systems. But they do not accept international numbers for verification. I also told her my friends phone number but she said that was not the right one. Right before hanging up on me, the fraud department employee said that a letter with a reference number would be sent to my address on record, and that I could call with that number to unfreeze the account. Citibank has also blocked my online access to my accounts, I can not use my registered email/password to see balances or movements or to make any operations ( with neither my individual account or my joint account, which is not blocked ). Over two weeks passed and the letter did not arrive ( another letter for a separate topic did arrive, proving once more that they have my XXXX address correctly registered ). On XX/XX/XXXX, I called again the Citibank Fraud department. The person on the phone this time told me there was no record of a letter being sent to my mailing address and that the only way to unblock my account was if I called them from a XXXX verified number, and she refused to pass me to a supervisor and proceed to hang up on me. Again, this person tried my XXXX and XXXX numbers and said they were not valid to verify my identity. I tried calling XXXX Customer Service. The person that attended me, XXXX, was very kind, and explained that only one of my accounts ( the main one, for which I am the only signer ) is blocked and passed me with her supervisor XXXX, who then pass me with the Fraud department ( XXXX XXXX, who then passed me with a Fraud supervisor called XXXX. She promised me she will send me a letter with a reference number to my XXXX mailing address and that I should receive it in 7-10 days. The balances in my blocked accounts are : savings : {$1900.00}, checking : {$2100.00}. Im attaching the emails with the weekly balances I still receive. My third account, with a balance of {$2000.00} is not blocked. Additionally, I have {$70000.00} in CDAs that will expire in XX/XX/XXXX and that are linked to my main ( blocked ) account. Im attaching the document from Citi branch listing the CDAs I opened. I called again the Fraud department on XX/XX/XXXX. The person who attended my call, XXXX, could not confirm whether a letter was sent out or not. I asked to speak to a supervisor, who told me the only way to verify my identity was to call from a verified XXXX number. Then, she proceeded to hang up on me. I also wrote the branch clerk. He said he will look into it, but no resolution yet. Citibank Fraud department wont accept any other ways of verification. I have two security questions, a security number, I offered to send them my passport, my SS card, tell them the balance in the accounts. They wont even tell me if going to a physical branch could help. On XX/XX/XXXX I called the Citibank Customer Service number, this time the person on the phone, XXXX, said he couldn't help me, only the Fraud department can unblock my account. He did not offer any information as to how long the account will remain blocked, if I will lose all the money there, what would be the next steps. Nothing, total black box. No one at Citibank told me when I moved overseas that I would need to keep a XXXX number for verification purposes. I am now in an impossible situation, unable to unblock my account and have access to my own money. I am attaching the following documentation : Document from Citi branch listing the CDAs I opened, which shows the new XXXX address I gave ( XXXX XXXX XXXX XXXX XXXX ) Form 1099 sent this year for my XXXX taxes, indicating my old XXXX address ( XXXX XXXX XXXX XXXX ) Citibank email indicating my account was blocked Emails indicating the balance of my accounts ( checking & Savings ) this week and also the balance at the beginning of XXXX, to show that there the balance in the accounts have not changed much ( only the XXXX XXXXXXXX for the CDAs ). It is not like there were crazy charges or anything.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-01
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: We opened a Citi credit card around spring of XXXX. Fraudulent charges started within the 1st month. We contacted Citi ; they closed account and issued new card. All the transactions made on this card were fraudulent. All but 2 were removed by Citi. We've been trying to get this removed since last Fall. Citi phone records will show detailed records of many dozens of calls from us to many of their representatives to include Fraud, Customer Service, Security, Technical Assistance, etc. to our last call on XX/XX/XXXX with XXXX, then XXXX, in which we were told to call the Fraud Dept., again. We told them we were done taking the endlessly considerable time to resolve this and would contact the CFPC and issue a complaint. We started to document phone requests to Citi resolve this year and wrote Citi on 2 occasions in order to resolve these last 2 fraudulent charges. The first letter was sent by email on XX/XX/XXXX. The second letter was sent by snail mail on XX/XX/XXXX. We never received a reply to our XX/XX/XXXX letter. Citi recently reported our refusal to pay to the 3 Credit Bureau Agencies which has seriously reduced our credit score over an issue that does not even exceed {$100.00}. This is irresponsible, reckless and seriously economically harmful to us. We've done everything we can to get this information corrected with Citi but their Online Dispute process is faulty and resulted in an inaccurate description in their dispute resolution response. Every one of our many, many conversations with Citi Representatives is positive and fruitful but the problem lies with Citi 's reliance on resolving disputes online only.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 544XX
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-01
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: CITIBANK, for more than 4 years I had both personal and company citi bank service, in XXXX, a payment of money was made to me which was deposited in my company account, the payment was rejected due to insufficient funds, and my accounts and all the services I had with Citibank were canceled. I understand that one must take care of who receives these payments, but the check received was from a client who had an account in the same bank, and was not in the country, no withdrawal of the funds was ever made nor did the account remain with a negative balance, owing money to the entity. resulting in the closure of all my accounts, and that of the client who made the payment to XXXX XX/XX/XXXX, I went to open a personal bank account in the same entity and the account was opened without any problem, the opening deposit was made, and after 3 days that account was closed without any explanation, without having taken any type of action that could affect the bank or my accounts. To the date after I managed to open the account with them I was notified that the accounts were closed and I could not reopen the account with them, without giving me any reason and without knowing why if I comply with all the legal requirements I can not make use of banking services.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33180
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-01
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: In XX/XX/2022, I deposited a check for the amount of {$1300.00} and in XXXX I deposited another check for the amount of {$1300.00}. The same month, Citibank sent me a letter that the check for {$1300.00} was deposited twice, but they were two different checks. I went to the citibank office and after looking at the records they saw that it was a system error and that they were going to solve the problem with the two checks in 5 days, the 5 days passed and nothing after a week I called again and told them about the problem and they saw the record and that they were going to solve it in 15 days. The 15 days passed and I called again and another 15 days to date, they dont have returned the two check still waiting
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 104XX
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-01
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Hello i have tried to get the citi bank to take action i was told to file a complant which i did and it was denided i reported my cards lost/stolen my account was scamed by someone using a check of XXXX in my name they used my debt card deposted the check and tried to sent it thru XXXX or XXXX im not to sure. When i called to tell the bank this was not me they said they had canceled the activity but now they said my account was on negative and locked my accounts and they tell me to file another claim but they are still denying it i dont have this kind of money to pay the bank i dont know what to do please help me thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10701
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A