Date Received: 2023-05-19
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I reported an unauthorized fraud charge of {$82.00} from XX/XX/23 on my Citibank Double Cash charge card from vendor XXXX IL XXXX. I NEVER received any goods or services for this {$82.00} charge. I called the vendor on XX/XX/23 & asked what I was charged for & XXXX, phone rep, could not tell me & only said take it up with your bank! Citibank XXXX Citicards has refused to believe & help me!!! I am outraged that Citibank /Citicards refuses to stand behind their gold member clients!!!! Instead Citibank /Citicards is engaging in this fraud/theft by stealing this {$82.00} from me, their Citibank Gold Member . This is outward theft by my financial institution which I put my financial trust in!!!! I have contacted, via phone, Citibank & Citicards with my complaints numerous times to NO avail. Please help my with my consumer financial complaint. Absolutely NO one has any right to fraudulently charge my credit card without my authorization!!! No exceptions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92629
Submitted Via: Web
Date Sent: 2023-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-19
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Citibank let a merchandise XXXX XXXX XXXX overcharge me XXXX from a my checking account without me having funds I did reported this transaction in the past this company did not did anything about it also charged me same fraudulent amounts from another credit cards without my authorization
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90027
Submitted Via: Web
Date Sent: 2023-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-19
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: On XX/XX/XXXX I called Citi Bank Customer Service number because I noticed that my minimum payment for XXXX 's statement increased from the monthly statement for XXXX by {$11.00}. I always pay more than the minimum so that I can pay the balance down quicker. I noticed by looking at both bills that the interest rates increased as well. I called them to ask why my bill increased and request that they close my account so that no purchases could be made on that account. I spoke with XXXX, then XXXX, then XXXX. I was asked for my card number which I provided. They told me that card was expired and requested my new card number. I explained to them that in XX/XX/XXXX they sent me a notification in the mail stating that a current review of my account determined that I did not qualify for a new card based on my high account balance and that I did not have a new card number. They kept trying to send me a new card and I kept having to say I do not want a new card over and over again, that I just wanted my account ( line of credit ) closed. I thought that he finally understood when the phone call ended. On XX/XX/XXXX I called to pay my bill and could not pay without having to be connected to a person because the system would not take my old card number. I was connected with XXXX who told me that my account had been closed and I could not make a payment on the account. I then said " well my balance is due today and I am trying to make a payment so that I do not get charged a late fee or higher interest, what do I do? He explained that he noted the account and to call back on XX/XX/XXXX and the issue would be resolved by then and that I could make a payment and would not be charged any added fees. I called back on XX/XX/XXXX and spoke with XXXX who informed me that the account was closed and had a XXXX balance. He stated a new account was opened in my name and a new card was in the mail. I stated I did not give them permission to open a new account and I expressly stated several times I did not desire a new card. Then he proceeded to say that I did not have another account in my name nor a new card. This morning XX/XX/XXXX I check my email to find a statement from Citi with a different account number than the account I opened in XXXX with a balance of {$4500.00} ( account number ending in XXXX - XXXX did not give permission to open this account ) when XXXX 's billing statement showed my current balance as {$4400.00} ( account number ending in XXXX - correct account ). I feel that these actions are not or should not be lawful as I did not apply for a new account nor did I sign any paperwork or agree to any new account being opened. They told me several times the calls are recorded and someone should be able to pull the phone coversations from these dates and review and here that I was not being listened to or understood and did not at any point ask for this or was not asked by them for permission for this. I now have a late bill and I am honestly scared to call them again to attempt to pay them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-19
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 contacted the business via telephone on XX/XX/2023 to submit a billing dispute in a timely manner. I was provided case number XXXX. This is for a purchase dated XX/XX/2023 for {$1000.00}, the merchant is XXXX XXXX XXXX. Attached is proof of delivery from XXXX showing proof that the merchant received the merchandise. Per the merchant website and attached sales receipt, the merchant has a 30 day return policy.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 342XX
Submitted Via: Web
Date Sent: 2023-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-19
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: A debt collector is violating my rights under the Fair Debt Collection Practices Act by issuing me a Notice of Intent to sue and threatening to serve me a court summons at my place of work for a supposed debt ( that I do not acknowledge ) from 20 years ago, long past any statute of limitations. Yesterday, XX/XX/2023, at XXXX XXXX, I received a voicemail from a person who identified himself as XXXX XXXX of XXXX ( or XXXX ) XXXX. He said I would be served a court summons between XXXX XXXX XXXX that day from an officer at my residence for a claim made against me, and that if I wasnt at my residence, they would show up at my work to serve the papers. He gave me a case number that resembles court case numbers within my county of residence. He also said that if I didnt want to be served at work, I could call the legal administrator and have the papers rerouted elsewhere as long as I had proof of ID on me when the papers were served. He gave me a number for the legal administrator, but it was different from the number he called from. The number he called from : XXXX The number he gave me for the legal administrator : XXXX The voicemail sounded very legitimate. He identified my full name, date of birth, and the last four digits of my social security number. Even so, in an attempt to further verify the authenticity of the call, and also to learn more about the court summons, I called the number he gave me for the legal administrator ( the XXXX number ) and left a voicemail asking them to call me back. I did not give any personally identifying information other than my name and phone number. The legal administrator did call back shortly after, a call which I answered, though I failed to ask him his name, as I was still in a state of shock and confusion. He knew all of my personal information, including my residential address, without me giving him any identifying information. He had it all on file. It made me secure that it was not a scam, so I asked him what the court summons was for. The legal administrator clarified that it wasnt a court summons but a Notice of Intent to sue. He said it came from XXXX via Citigroup. He said I was in default for around {$1100.00} but that they were suing me for around {$2100.00}. I told him it couldnt be right because I havent had or used any credit cards in almost 20 years. He said they were allowed to collect the debt by reason of tolling and also said that all banks were collecting on defaulted debts right now due to the banking crisis. He ended the phone call soon after that, but he was cordial throughout. At no point during the phone conversation did I acknowledge that specific supposed debt or offer to make payment arrangements. Quite the opposite. Soon after the call ended, after I had time to process and research what tolling was, I called the legal administrator back and left a voicemail saying that I did not acknowledge the debt and that if they were going to serve me legal paperwork, they would need to do so at my residence and not at my work. He never returned the call. Before talking to the legal administrator, I had also called the number that the initial voicemail had come from ( the XXXX number. ) Each time, an operator, a man, answered the phone as XXXX XXXX and, after taking my case number, forwarded me on to what he referred to as the legal department, but each time except the last the call was forwarded to a voice messaging system. The final time I called I did get put through to an actual person in the legal department. I repeated to him what I had in my voicemail to the legal administrator, that I did not acknowledge the debt and that if they were going to serve me legal paperwork, they would have to do so at my residence, not at my work. The man I spoke to, whose name I also failed to ask, became aggressive with me and said that a processor would still be going to the HR department at my place of work to serve a Notice of Wage Garnishment to my employer. I told him he couldnt do so until after any potential court hearings. He told me it was only a Notice of Intent and they could serve it to my work at any time, and then he hung up on me. That was my last interaction of the day with the debt collector. All of the above interactions occurred on XX/XX/2023, the same day I received the initial voicemail. At no point in the last 20 years have I ever made any contact or agreement with any credit card company to make arrangements to pay off any defaulted debt. Therefore, the debt collectors use of tolling as a viable reason to collect the supposed debt ( which I do not acknowledge ) is false and a purposeful attempt to misinform me. By purposefully trying to mislead me, by threatening to serve me legal paperwork at my place of employment, and by trying to intimidate me by delivering a Notice of Intent to sue for a supposed debt that, by their own admission, is long past any statute of limitations, they are violating my rights under the Fair Debt Collection Practices Act. Curiously, when I called the general number back this morning ( the XXXX number ), instead of answering the phone as XXXX XXXX as he had the day before, the operator answered as XXXXXXXX XXXX XXXXXXXX. I hung up immediately after the operator answered due to the name change. Because they had all my identifying information on file, I still believe this is an actual debt collector and not a scam, but that they are definitely using illegal means to harass people. I have saved the original voicemail for any officials who would like to hear it. I also have the full case number provided to me in the voicemail.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 982XX
Submitted Via: Web
Date Sent: 2023-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-19
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: My credit limit was reduced due to credit report. I verified my credit report. No issues were found. Perfect credit. Citicard did this on my two cards, one of which is XXXX. They reduced my limit to my current balance which SEVERLY affecting my credit score.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 975XX
Submitted Via: Web
Date Sent: 2023-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-19
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: My credit limit was reduced due to credit report. I verified my credit report. No issues found. Perfect credit. Citicard did this on both of my XXXX cards, XXXX of which is Costco. They reduced my limit to current balance which SEVERLY affects my credit score.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 975XX
Submitted Via: Web
Date Sent: 2023-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-19
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: This is a follow up on XXXX complaints I filed with you, XXXX # XXXX and XXXX. On XX/XX/XXXX, XXXX from Citi XXXX XXXX XXXX called me. He told me to go to a local branch and fill out a W-9 and upon certification of the W-9, I would get the remainder of the bonus owed to me, {$200.00}. With his instructions, I went to Citi branch near me on XX/XX/XXXX and resubmitted the W-9 ( their claim of not having my W-9 was false. The branch manager found the one I filled out on XX/XX/XXXX when I opened my account ). On XX/XX/XXXX, XXXX from XXXX XXXX XXXX called and said that they received the certified W-9 but will not pay the {$200.00}. Their reason of " {$10000.00} of {$25000.00} is from Citi funds '' is a false statement. Attached are my four receipts of all {$25000.00} deposit that shows funds from non-Citi accounts, {$10000.00} from XXXX XXXX XXXX on XX/XX/XXXX, {$5000.00} from XXXX XXXXXXXX on XX/XX/XXXX, {$5000.00} from XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, and {$5000.00} from SXXXX XXXX XXXX XXXXXX/XX/XXXX. I made XXXX from XXXX XXXX XXXX on XX/XX/XXXX, and with that he told me he would pay the {$200.00} after the W-9 was certified. This {$200.00} bonus was due by XX/XX/XXXX. This is long overdue and Citi XXXX XXXX XXXX is not keeping their promise.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-20
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I opened a savings account with Citi bank last month and my Account got locked and supposedly closed I sent XXXX everytime I call there costumer service they never help with the situation and always giving me another number to call I sent all my money there to last time I called I was told account would be closed and I would be sent a check now Im calling they say my account is just blocked I honestly just want my money so I can go back to my regular bank
Company Response:
State: NY
Zip: 11226
Submitted Via: Web
Date Sent: 2023-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-20
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Opened a checking account with Citibank in XX/XX/2022 after receiving an invitation offering {$200.00} bonus after fulfilling certain requirements. I fulfilled all their requirements, but upon not receiving the bonus I called to inquire and an inquiry was set up. My inquiry No was XXXX. On XXXX I received a letter from the bank stating that I have qualified for Promotion XXXX, but my account is not Form w-9 tax verified. To please complete the enclosed W-9 and mail it to the given address. which I did. When no bonus amount was deposited I called and found out that they did not get my mail. So I went to a branch and finished the paperwork. My account was still not W-9 certified. My husband went over to the bank manager and got the paperwork issue resolved. Yet no bonus deposited. Repeated calling, XXXX XXXX on XXXX, XXXX XXXX, got the same reply. Please fax over the proof of promotion. Now I faxed from the bank thinking that will resolve the issue. but it did not. It just resulted in a letter dated XXXX from the bank denying any such promotion. so called one more time and spoke to XXXX on XXXX and asked for a supervisor. Spoke to XXXX. She said would take care of it. No result to date.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10956
Submitted Via: Web
Date Sent: 2023-05-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A