Date Received: 2023-05-25
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: The bank closed my account because I complain about their services and withheld my remaining balance of $ XXXX as this time they have not return my money it is the law that when the bank close the account they have 60 days to return my money and it is now over 7 months?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93307
Submitted Via: Web
Date Sent: 2023-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-25
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Citibank froze my account and holding my money hostage. They froze it because they said even though the check is made out to me ( Real Estate Commission check ) XXXX XXXX the issuer has a different address on the check which is in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Their automated system was triggered that it is a fraudulent deposit because the address on the check is not on my file for the account. I went inside the branch and spoke to XXXX XXXX the branch manager to assist me. Although she is helpful and think this trigger doesn't make any sense, her hands are tied and the Fraud department are the only ones who has the power to either hold or release my money. The fraud department told her to tell me that the only way they will remove the freeze off of my account would be for me to call XXXX XXXX to put a stop payment on the check and have XXXX XXXX to stop the payment on the check that I already deposited yesterday XX/XX/2023 at the XXXX XXXX XXXX XXXX branch through the teller and then have XXXX XXXX reissue the check to prove that the check I deposited is not a fraud. I emailed and called XXXX XXXX to do just that, XXXX XXXX tried to stop it and they said they couldn't stop the payment anymore because Citibank already cashed my check. XXXX XXXX sent me a copy that it cleared the account and Citibank is refusing to rectify the situation and insisting that XXXX XXXX can still sop the payment. XXXX XXXX suggested Citibank call them to verify the validity of the check but CItibank refuses to do it. My entire account is frozen and can not pay for my so n't food, bills and brother 's funeral and cremation. This bank is out of control and needs to be stopped. They already have my funds using and messing with people 's lives. This bank is a scammer and a fraud! It old them I want my account closed and give me my money that they have been holding and they refused an keeps telling me I have to wait between 30 to 60 days! This is NOT acceptable. End of the month is here, rent and bills are due or this creates a whole different problem for me. Everything I have they are holding hostage. I need help to get my money asap.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94806
Submitted Via: Web
Date Sent: 2023-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-25
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I received an email on XX/XX/2023 stating " Great news, your Shop with Points purchase has been processed and your point balance has been updated. '' indicating that Citi had redeemed XXXX ThankYou points ( {$12.00} value ) from my account towards a {$10.00} purchase at XXXX. I was confused by this as I did not ask for any point redemption and I certainly wouldn't lose 25 % of the value of my rewards, nor would I use them to make a purchase instead of earning new rewards on that purchase. I called Citi ThankYou customer service at XXXX today, XX/XX/2023, at about XXXX XXXX XXXX to find out what was going on and to make sure it wasn't fraud. The representative informed me someone must have chosen the option to " shop with points '' at the point of sale terminal, and it turns out that my husband was tricked into using it when he made a purchase with his card. It was not clear that this purchase took more points than the actual value we can otherwise redeem them for, and also did not alert him that the amount " redeemed '' wouldn't count towards earning new points on the purchase. This is basically stealing rewards from the account in two ways and I never opted into it. I was told by the Citi representative that there was no way to remove this option from an account. What Citi is doing is tricking people into using their rewards for less than the promised value. I know that {$2.00} is an incredibly small amount, but this is just one example of probably thousands of transactions every day. Citi is using this new " feature '' to steal value from rewards they promised to their customers, giving us less value and not even giving us a way to opt out and avoid being confused by prompts when checking out at a store.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 016XX
Submitted Via: Web
Date Sent: 2023-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-26
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: Citi bank Costco card has been overturning my disputes, I believe there are 61 I was told. Some of them are either purchased and product wasnt delivered or service wasnt provided. Others are what I claimed to be not purchased by me or anyone that Ive given authority to use. Ill be sent a new card but the dispute will be over turned and not listed as fraudulent. Ive called and requested for my past statements and dispute findings and letters from As far back as 2013. Ive had to call mutiple times to request for the same statements, which were then sent to me in 5 or six different envelopes on different weeks. The dispute letters I have requested for have not been sent to me nor can I access them on the website or app. Ive spoken with them and they can not look back only a few months. Ive been hung up on or disconnected multiple times after giving my personal information. Ive changed my password that you use when you speak to a representative and in the same day been asked my old password form the first woman. Then calling back later to verify a payment getting asked for my new password. When asking to speak to a supervisor I am told that no one is available. Also, while having a ongoing dispute opened they have refunded payment then taken back credit then reversing and then overturning a charge on multiple statements making it difficult to see when or if I got credited or charged. If you could please help me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: HI
Zip: 96818
Submitted Via: Web
Date Sent: 2023-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-26
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Charge account Charge account - Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$760.00} {$760.00} {$760.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$780.00} {$0.00} {$760.00} Credit Limit : {$400.00} {$400.00} {$0.00} Past Due : {$760.00} {$760.00} {$760.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT DATE
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11553
Submitted Via: Web
Date Sent: 2023-05-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-25
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: Merchant Name : XXXX XXXX XXXX XXXX, http : XXXX Credit Card Company : Citi card XXXX XXXX : - I ordered ( order # XXXX ) wall panel product for my home office improvement from the Merchants website. The Merchant sent me fake/invalid XXXX tracking numbers. Here are the fake/invalid XXXX tracking numbers : XXXX, XXXX, XXXX, XXXX, XXXX. - When I told the Merchant that I would report this to the police, the Merchant sent me fake phone number to call them back. Here is their fake phone number : ( XXXX ) XXXX. - When I filed a dispute with my Credit Card Company, the Merchant disputed back by submitting XXXX tracking number which shipped to a difference address ( not to my address ). The XXXX tracking number shown to be delivered to address in XXXX, New Jersey. I am in XXXX, California. In the XXXX XXXX XXXX XXXX, it also shows the order number that is not mine. Here is the wrong XXXX XXXXXXXX and order number # XXXX - I kept telling Citi card dispute rep that the XXXX tracking number was not shipped to my address, but the Citi card refused to do the investigation work, and no refund credited to me to this day. THE DETAILS On XX/XX/2023 - I ordered 5 boxes of wall panels from https : XXXX for my home office improvement using my Citi Premier credit card, worth {$810.00} total. On that same day, the Merchant ( XXXX XXXX XXXX ) sent me two separated automated emails, one email contained my order information and one email contained XXXX tracking numbers ( there are 5 XXXX tracking numbers XXXX so Id assume each XXXX tracking number is for each box of the wood panels ) From XX/XX/XXXX - XX/XX/2023 - Ive been keeping an eye on the XXXX tracking numbers XXXX but two days, three days, four days later, the tracking numbers never get updated. They still show The delivery date will be provided as soon as possible. I grew concerned whether Im buying products from a legit business or not. So I emailed the Merchant asking for my order status, but no response. I sent a messenger to the Merchants XXXX for which I first learnt about their products advertisement, still no response. On XX/XX/2023 - I filed a dispute with my Cit Premier credit card, because ( 1 ) the XXXX tracking numbers were still showing The delivery date will be provided as soon as possible. in fact, the XXXX tracking numbers still show this same message as of this writing and ( 2 ) there were no response to my inquiries from the Merchant. I also sent an email to the Merchant requesting to cancel my order and get my refund back, stating my concerns above. On XX/XX/2023 - the Merchant, for the first time, replied back to my email saying that my order was being shipped via XXXX but provided no XXXX tracking number. I replied to the email and again requested to cancel my order. On XX/XX/2023 - XXXX delivered SOMETHING to me, but since I dont have or expect any XXXX tracking number from the Merchant I refused to accept the delivery and asked the XXXX to return the product back to the sender. During the dispute, Citi card forwarded me a letter, which appeared bo be sent as evidence from the Merchant. The letter claimed that the product had been shipped to my home address in XXXX, California. In that letter, it included XXXX tracking number that was the first time I got to have the XXXX tracking number. However, when I retrieved the tracking number via XXXX, it shown that it was delivered to XXXX, New Jersey, to a difference customer. More over, in the Proof of Delivery, which I also retrieved from XXXX, it shown a difference order number that is not mine, that order number might be belong to other customer. Since I filed the dispute with Citi card on XX/XX/XXXX, I called the merchant MANY times, and only a few times that they picked up my call, but refused to refund my money back. It's been 5 months now and the dispute case with Citi card is still pending today. I have no other options but to file this complaint. Please help, I am being scammed by this company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94551
Submitted Via: Web
Date Sent: 2023-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-25
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/23, I sent to CITIBANK via USPS certified mail XXXX postal money orders ( which are negotiable instruments UCC Article 3 ) for {$5.00} each for XXXX different credit cards as payments. XXXX card the balance was {$8600.00} and the other was {$830.00}. Both postal money orders were redeemed and cashed and applied to my accounts on XX/XX/23 as payment in the amount of {$5.00} each account. On both postal money orders I wrote out my negotiation statement on both postal money orders as again they are negotiable instruments the follow : I accept your offer in the amount of {$8600.00} for valuable consideration and tender this payment for the complete amount in accord and satisfaction upon redeeming this instrument. I accept your offer in the amount of {$830.00} for valuable consideration and tender this payment for the complete amount in accord and satisfaction upon redeeming this instrument. signed by me ad well as " without recourse '' and my name printed as well. along with codes UCC 3-603/3-331. As well as the account numbers to both cards They redeemed both money order which means they have to honor what was written on it by me from the terms of negotiating. I called them and they refused to honor what was written. I told them that UCC is commercial law and since they are working in a commercial capacity they have to honor and obey these laws/codes. I would like to file a complaint and hold them accountable for not honoring law and my negotiable terms upon redeeming my negotiable instruments. I would like for them to honor and credit my accounts and zero out both balances. I do have photo color copies of both money orders as well as receipts and the coupons from citibank. I look forward to hearing from you soon. Thank you for your help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30180
Submitted Via: Web
Date Sent: 2023-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-25
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: Citibank calls my phone numerous times a day and has broken the XXXX for XXXX rules. I have attached proof of the harassment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 31907
Submitted Via: Web
Date Sent: 2023-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-24
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: On XXXX XXXX/2022 it was a large amount tranfer from my saving account to my checking account of the total amount of {$6200.00}. My lawyer and i have contact City Bank multiple time, I also have gone sit with bank representive and it hasent been no result.They having done anything.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11553
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-24
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: On XX/XX/2023, my account was charged twice by a company called XXXX without my authorization, once for {$1.00} and once for {$59.00}. On XX/XX/XXXX, I promptly filed two disputes regarding these charges. The first dispute was for the {$1.00} charge, and I received a swift reimbursement. However, the second dispute was for the {$59.00} charge, and unfortunately, it led to the closure of my card due to suspected fraud. Although I received a replacement card, I have observed that the fraudulent charge still remains on my account balance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A