Date Received: 2023-05-30
Issue: Problem with a company's investigation into an existing issue
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: CITI IS NEGLIGENT AND NON-COMPLIANT WITH EVERYONES PII!!!!! Citi has misused my and another XXXX XXXX 's PII. I have been trying to obtain proof that Citi verified information and they have failed time and time again to provide proof. They have NEVER verified any PII with me and have failed to prove the account was opened by a human. The company they sold my information to has changed the name of their company on several occasions. They also changed the address on my credit report without consent or knowledge. Both Citi and XXXX XXXX XXXX have done nothing but, engage in psychological warfare. I had someone harass me at my home telling me to answer the door because they could hear me walking around. HARASSMENT!!! I have tried on multiple occasions to resolve the matter on my own with Citi and they continually blow me off. I have asked for physical proof that they verified any information on the account and they have pretty much told me to take their word for it. It violates the FDCPA. I have consulted an attorney on this and will be pursuing legal action. I have never lived in Wisconsin ( where XXXX XXXX lives XXXX nor have I ever lived in New Jersey but XXXX Citi and their scam collection agency want to say so without any proof. I have tried reaching out to XXXX XXXX and was blocked when I brought the breach to his attention. Not exactly a stand-up kind of guy but, it goes along with how Citi has acted since the identity theft was brought to their attention almost a year ago. The other more troubling issue I have with Citi is their failure in compliance. I have complained about the account they claim as mine is identity theft. Citi can't even manage PII properly because someone at their company sent me an email regarding a deceased customer of theirs. The funniest part is XXXX XXXX 's daughter 's name is XXXX XXXX but, she lives in Wisconsin.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 843XX
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-30
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Good afternoon, We opened a XXXX credit card up with Citibank in XX/XX/XXXX. We have never been late on any payments since the opening, in XX/XX/XXXX There was a one time payment made out of one of our two checking accounts with XXXX XXXX We did not realize that this one time payment change the payment primary account to this checking account. The payments had always previously came out of another checking account that is supposed to be the primary account for the payments. When we made a payment XX/XX/XXXX of XXXX the payment came out of the wrong checking account and was turned back for not enough funds. When we found out that this happened we let Citibank know and had every intention on correcting it. When we made a {$4000.00} payment on XX/XX/XXXX, we called to make sure that everything was OK but when we looked on the app it showed that this credit card was closed. When we called to talk to a representative we got a lot of runaround with who to talk to you, we were sent to security, account, specialist supervisor. They told us that nothing could be done until we receive the letter in the mail, stating what the reason why This account was closed. So we got the letter in the mail and we called back thinking that we would be able to address the reason our account was closed. That was not the case. We were then given the runaround again and given to an account specialist supervisor who then said there was nobody above him to talk to and that the account was permanently be closed. He said there was no way we could talk to a supervisor above him, and that the credit department receives no phone calls whatsoever. What our concern is that this was a mistake that happened one time and now our credit is on the line. We do not feel that this is a good business practice for credit card companies to be able to close accounts when there is no dialogue with the consumer, theres no appeal process with a consumer, A one strike youre out policy that directly affects your credit. Then they proceeded to tell us that they cant open that account back up, but we could apply to open a new account with them. We simply want the ability to speak with a supervisor, Or somebody at an admin level instead of being told that its a systematic response that Gives no ability to the consumer to have an open discussion with the administration of CITI to discuss the mistake that happened. This process does not give the consumer the ability to defend their credit. This would potentially be something that will be on our credit for the next seven years in the state of Oregon. Thank you, XXXX and XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 973XX
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-30
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Upon booking a flight on XXXX XXXX I was offered a promotion involving a {$400.00} statement credit as well as XXXX miles once I spent {$1500.00} in the first three months of opening the card. As I have had issues with Citi in the past I called to verify the promotion to which I was told they had no record of this deal. So I emailed them a screenshot as well as a PDF copy of the offer as well the temporary credit card acceptance. After a few weeks and a few follow ups I had received no reply. So today I called to follow up and have been bounced around six different people in various departments all telling me it is another departments issue. The last representative, XXXX, tried telling me he saw the promotion on my account and I would have to wait up to two billing cycles to see the credit applied. As I didn't trust this I asked him to provide me confirmation which he said they were not willing to do. I finally demanded to speak to a supervisor, which they tried to deny me at first. I was firm and insisted on a supervisor and then while again waiting on hold, the representative came back and said the supervisor said this was another departments issue. At this point I am fed up and believe this was a bait and switch. If they will not help me correct this I will be cancelling the card. Upon researching this issue I see CitiBank has a long history of these tactics and this needs to be addressed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92108
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-30
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: There are multiple hard inquiries reported on my credit report. On my XXXX credit report, one from XXXX on XXXX and also from XXXX on XXXX. On my XXXX credit report, there is a hard inquiry from CitiBank N A, on XX/XX/. I do not recognize any of these. I called the companies on my XXXX report to request a deletion letter on XX/XX/. I called the company on my XXXX report on XX/XX/ to request a deletion letter. They said there is no account open in my name so they can not provide that for me. They suggested that I report it to the federal trade commission.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 296XX
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-30
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: Received a phone call from a debt from XXXX which fell off credit report in XXXXaccording to lawyers office. Getting a court summons through a servers office for a court date. This debt it 23 years old, I don't even remember it from Citibank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85122
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-30
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I sent a wire payment to what I thought was a legitimate property manager / owner to secure an apartment in XXXX DC. I became suspisious after sending the XXXX $ and IMMEDIATELY contacted Citibank. They barely seemed concerned and took some information over the phone. I called again noting that a dispute had not appeared in my banking profile against this transaction. I was assured that Citi was investigating it and that I would be recieving a letter asking for further evidence ( of which i had plenty, including the name, phone number, address, routing and banking account info, email, and proof that a specific person had defrauded me and had, indeed recieved the money ). I have a police report as well. I just recieved a letter from Citi stating that the transfer was made from my account and that it was legitimate ( not fraudulent ). I literally had all of the evidence they needed to investigate and likely prosecute the scammer. THEY DID NOTHING. They never contacted XXXX XXXX to verify the transfer. They did not look into the IP address, or any further information they could have, to help me. They simply told me it was legitimate- a transaction that I repeatedly reported was fraudulent. I filed a complaint with the FBI and I plan to file every grievance against this bank that is available to me. I have been with this bank ( credit cards included ) since 2005. I had a mortgage through them as well. They had no financial liablility and ; therefore, had no impetus to protect me as their banking customer. This is abhorrent. I had all of the information they would have needed to investigate and substantiate what I had reported. And to get my money back! They simply didn't care and basically told me it was my problem.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60901
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-30
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: Citi bank started litigation for a time barred debt which has way past it's statute. Every time I file a complaint to the CFPB the response of the bank is simply that this matter is in pending litigation which is exactly the reason why I actually filed this complaint that they began litigation on time barred debt in violation of the FDCPA. Their continued response that the matter is in litigation is not an answer or an excuse, it's actually the core issue and violation why I'm complaining about and must be properly addressed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11211
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-30
Issue: Other transaction problem
Subissue:
Consumer Complaint: Opened up a Home Depot Credit Card Account for a remodeling job. Mailed a check to XXXX Depot for {$700.00} on XX/XX/2022, for one of the 1st payments. Paid Home Depot monthly payments on the Home Depot Credit Card from XXXX through XXXX. In XXXX we made a payment for the final balance for the amount of {$14000.00}. In XXXX we received notice that we still owed {$700.00}, and that is when we realized that our check was never credited to our account. I have spent the last 6 months submitting Dispute filings to Home Depot, letters to the President of Home Depot, multiple phone calls & emails to Citibank Credit Card Dept. I have received verification from XXXX that the transaction was approved, & my personal Bank that the funds were paid to Home Depot as an ACH payment. Home Depot & Citibank have been calling, emailing, and texting me with demands for additional payments. A recent letter from CitiBank states, " Home Depot was funded for the amount of {$700.00} on XX/XX/2022. There is no evidence that Citi was ever funded for the ACH, the documentation that was received is insufficient ''. I have given Home Depot/CitiBank all the verification needed, yet they still insist that I am responsible for loosing the check/ACH payment.
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: 2023-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-30
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: My son, is a card holder on my credit card account with Citibank. While he was taking a trip in XXXX, he used the credit card for all of his purchases. There are 3 charges on the card that were not authorized and are fraudulent. They are additional charges from places that he did have valid charges with. Upon receiving the statement and going line by line with XXXX, we quickly realized there were 3 so called purchases that he never made. I filed a dispute online on the the Citibank website. They came back quickly and said they were not removing the charges, that since XXXX had the card in his possession, these were valid charges. I escalated this on XX/XX/XXXX with XXXX and they reopened the file. Today ( XX/XX/XXXX ) I received an email that they have investigated and that these are legitimate charges because they were made with the chip in the card while XXXX was still in that country. Again, there is no doubt in my mind that when the card was used in a store, they used the same card/chip to create fraudulent charges. I'm told this is not an unusual event, especially to happen to an American tourist who clearly does not speak the language. It doesn't happen often but I have had had fraud happen on my credit cards from time to time, even when the card is in my possession. I have never had such a difficult time as I am having with Citibank to do the right thing. There are 3 charges that are fraudulent on my XX/XX/XXXX statement XX/XX/XXXX XXXX XXXX for {$3100.00} ( there were 2 other charges at this establishment that are legitamate. XX/XX/XXXX XXXXXXXX XXXX for {$2300.00} XX/XX/XXXX XXXX XXXX for {$2100.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 940XX
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-30
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: On XX/XX/23, a balance transfer was made from XXXX XXXX to Citibank for {$3500.00} with a balance transfer fee of {$170.00}, posted on XX/XX/23. That balance transfer never went to my XXXX XXXX account. On XX/XX/23, I did a chat with Citibank online explaining the transfer balance never went through to my account, and I provided the last 2 digits of the card as requested, I was told it does not match. Again, I explained it went to the wrong account. Citibank Rep. tried to cancel but the check cleared and couldn't be cancelled I then informed Citibank Rep I'm not paying for a transaction that I never received Citibank stated they understood. I had an online chat on XX/XX/23 & XX/XX/23 regarding the same issue, still not resolved. Citibank open up a dispute claim dated for XX/XX/23, XX/XX/23 and recent XX/XX/23, I received a letter from Citibank telling me proof of electronic payment has been sent to XXXX XXXX products so they can credit the balance to the correct account as of XX/XX/23 this has not taken place. I received the separate cover notice via email on XX/XX/23 with the transaction Id # showing proof of payment sent on XX/XX/23 but as per XXXX XXXX and my bill statement this transaction did not post to my account. I called Citibank on XX/XX/23, XXXX, XX/XX/23 and XX/XX/23 given them the same info they requested nothing was corrected. I even tried on XX/XX/23 with online chat but since I closed my account because of this Rep was unable to provide information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11233
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A