Date Received: 2023-05-16
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I applied for an online loan. To make a long story short, I gave the loan company my Citi Bank bank info and they made a deposit of XXXX. I went to check my account this morning to find I no longer have access to it. I called the bank wondering whats going on and verified everything, including the deposit because thats what I seen for on deposit. Come to find out, the loan company was a scam and the bank closed my account due to them depositing a mobile check and forging my signature. I called the loan people to make them aware of what the bank had told me and they proceeded to use vulgar language with me and demanded I send them the money back. Even suggested I go to a money center like XXXX to keep going with the process. I suggested we call my bank on XXXX way so we can get to the bottom of this ( they kept claiming they were legit. They also wanted to call my bank themselves but I declined that due to the situation thats ongoing ). I explained to the bank what happened and they were thankful that I called to tell them what happened and realized I had became a victim of fraud but because my account was already in process of closure, they said they cant stop it nor can I open a new one. I think thats completely unfair because I was the one that was a victim of fraud. They shouldnt be able to label people as non trustworthy because someone fell victim to a scam during an obviously vulnerable time when you need help financially. I want to be able to continue using citi bank l. I been with them for a year and never gave them any problems and vice versa.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 439XX
Submitted Via: Web
Date Sent: 2023-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-16
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: I paid this credit card off in full prior to the due date of XX/XX/23 in the amount of XXXX stated on my statement minimum pay was XXXX. I recieved another bill after in the amount of XXXX due on XX/XX/23 and they are calling my cell not 3 times a day to collect this fictitious amount
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85015
Submitted Via: Web
Date Sent: 2023-06-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-15
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: We were deceived in a XXXX airport into traveling with criminals instead of the transport company we engaged. In the process they claimed there was another charge and to get pesos for it we attempted to use an ATM at which they apparently skimmed information from my credit card, which was later used to submit a false transaction. I think rejection of my fraud claim violates the Fair Credit Billing Act. The reason they gave me for denial is that I gave my credit card information to the " vendor '' who in fact was a criminal who impersonated my vendor. In fact I didn't willingly give the criminals the information. XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-15
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XXXX and XXXX XXXX have refused to provide me with a usable letter of XXXX balance after I paid off my debt in full. They say it may take up to 45 days - but can't be sure- it may take longer. They said I would just need to call back. The money has left my account- I've paid them. I see to reason why they can't provide me with the proof I need to show that I've paid my debt and can then fix my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 381XX
Submitted Via: Web
Date Sent: 2023-05-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-15
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I continue to be contacted about this debt that is originally from Original Lender : CITIBANK N.A. Account Number : XXXX, who has sold the debt to apparently everyone, and I settled with XXXX XXXX back in 2020. I have attached a new letter from them under their mediations department/legal arm. All I know is that there is some company in the valley that keeps sending more and more companies to threaten me. At this point I am ready to plead my case in front of a judge. I keep getting threatening calls about once a month and I am really feeling like I am being stalked and harassed. I am a XXXX Veteran with a XXXX XXXX and it is affecting my mental health. How do I get this to stop. I paid what I negotiated back in 2020. I am now being told that XXXX is fake, and all sorts of other lies. ( XXXX has done nothing wrong and have been excellent ). Please help me in this matter, perhaps you can find out whom the original buyer that holds the debt that keeps trying to get more money out of me and get that person ( s ) to stop harassing me. XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90044
Submitted Via: Web
Date Sent: 2023-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-15
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: Below is a copy of the attached letter mailed to Citibank on XX/XX/XXXX explaining the start of the problem. They received the letter, as the request to cease payments until this is resolved seems to have been put into action. Today I reached out to simply see if this was being looked into, had any updates, or when I could expect to hear from them as I have heard nothing as of XX/XX/XXXX. I spent 30 minutes messaging their customer service only to be told that their records say everything is sorted but I can call if I don't like that answer. My account, when accessed via the mobile app, states I still owe {$270.00}. Accessing via their website says my current balance is still $ XXXX. " C I T I B A N K XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It has come to my attention that my closed Citi Diamond Preferred Card account ending in [ redacted ] has been overcharged by Citibank on a recurring basis since my billing statement for the dates XX/XX/XXXX to XX/XX/XXXX. " Purchases '' have been charged to the account closed in XXXX XXXX that have negated the progress of my payments significantly and incurred additional interest not owed to Citibank. These amounts were labeled " payment corrections '' on my statement. When I called Citibank customer service at XXXX and XXXX on XX/XX/XXXX, I spent a total of 65 minutes being transferred between different departments while trying to inquire about what the charges were for so I could proceed appropriately with future payments and personal budgeting for these payments. No one that I spoke with, including the supervisor in a department, was able to determine the reason for these charges or what they might be on my bill for. I was told that no one had seen this before, that they weren't sure, or that they could not figure out what was meant. After carefully combing through my statements since the closure of my account, Citibanks own records reflect that I have now overpaid {$3000.00} in un-owed payments and additionally accrued interest as of the date of this correspondence. I would like to see this matter put to rest by full reimbursement of all overpaid amounts ( including any additional autodrafts Citibank pulls from my account while this is being resolved ) and the account permanently closed and cleared. I do not want to draw this into a legal issue or depart Citi bank with ill will. I would much prefer to be able to quickly and fairly resolve the matter so all parties can exit the situation gracefully. Attached to this letter are two " exhibits ''. These are printout of a spreadsheet version of my account statements. Exhibit A contains every interest, payment, and " payment correction '' ( listed as " purchases '' ) reflected on my Citibank statements. Exhibit B contains the same information with the incorrect " payment corrections '' ( listed as " purchases '' ) filtered out to reflect the true balance of my closed account with Citibank. Please help me resolve this issue in a timely and efficient manner. I can be reached by the following methods : Mailing address XXXX XXXX [ redacted ] Phone [ redacted ] E-mail [ redacted ] I look forward to reaching an optimal solution with you as quickly as possible. Regards, [ redacted ] ''
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 741XX
Submitted Via: Web
Date Sent: 2023-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-15
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I just spoke with a " Supervisor '' who told me that my account was not closed for my payment arrangement it was closed by the bank. When asked for further explanation no answers were given. I again explained that I was setup online with a XXXX XXXX payment arrangement that states the account would not be closed due to delinquency while on this plan. The agent again stated my account was not closed because of the plan it was closed by the bank. This does not make sense to me,. I then check the message center on the mobile app to find a letter that states the account can not be reopened due to 1 or more missed payments in the last 12 months. That is what any other financial institution would call closure due to delinquency which is exactly what I was trying to prevent when I agreed to the payment arrangement on XX/XX/2023. The email on XX/XX/2023 from Citi bank stated that the first of five payments of {$250.00} was not due until XX/XX/2023. I made an early payment of {$250.00} on XX/XX/2023. I was shocked to see on XX/XX/2023 that my account was closed. I did not receive any calls or emails regarding the closure. On XX/XX/2023 I was told the account was closed due to the past due amount not being paid by XX/XX/2023. No where in any of the information I received states that I needed to make a certain payment by that date to prevent the account from closing. Had I received that I would have done so as I did on the XXXX. No one at the company is trying to hear me and everybody seems to be following a script. My total past due balance of {$630.00} has been paid in full and I would like for my account to be reopened. I don't understand how an online tool is provided for customers to use, but does not align with how Customer Service operates. I used to get multiple calls a day for consecutive days at a time into the weekend when my account would fall behind. Why did I not receive ONE call to let me know my account had fallen behind to the point of being closed? Any other institution would make sure contact was made prior to this happening whether it be a letter, email, call, and even text. Citi literally did none of this. If there was an issue with the dates the site/mobile app should have prevented such a great timespan in between when a payment needed to be made versus what was given to me. How was I supposed to know their cut off dates if it was not provided to me?? I went off the information that I agreed to and the follow up email that was sent to me with that same information. The payment plan was in place the same date that the account was closed which means the terms that I agreed to " If your account is open, it won't be closed for delinquency as long as you make your scheduled arrangement ''. My account was open, my scheduled arrangement date had not passed, yet my account was still closed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23224
Submitted Via: Web
Date Sent: 2023-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-15
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I received a call on XX/XX/XXXX from Citibank about potential fraud regarding XXXX. Since we only used XXXX XXXX times in XXXX years we knew it was fraud and said so. After the call we called citibank back to see what else we needed to do. They said they saw the fraud was pending and we should go to the bank next day to close account and they would make note of the fraud. We went to the branch the next day where they closed the account and opened a new one. FYI we had this account since XXXX. Citi at first returned the funds and then sent a letter overturning their decision stating it was our normal activity. That is not true. We do not regularly use XXXX. This is just under {$5000.00} and something we were shocked to find citibank wouldnt help with. We did not approve the transactions and have no idea where the money went. When we called Citibank again we were told we needed to send a letter to ask for a review which we did on XX/XX/XXXX. When we called today about our refund we were told they never received the fax or the letter sent via usps so today I faxed it again. In addition, XXXX XXXX as well as the XXXX XXXXXXXX did not change direct deposit although requests were made and continued to deposit money into this closed account. So we are unable to write checks on that account. They will not allow us to transfer the funds. We need to go into a branch each time a deposit is made in order to have access to our funds and we are still without the nearly {$5000.00} in fraud. Can anyone help us with this?!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33410
Submitted Via: Web
Date Sent: 2023-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-15
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I opened a store credit card at XXXX XXXX in XXXX. The XXXX XXXX store went bankrupt, and the card was transferred to Citi Mastercard on XX/XX/XXXX - Showing up as a new account on my credit report. Because Citi closed the account, I do not have a card or card number to find the account and access it. I have automatic payments set up, and on my XXXX bank account, Citi Mastercard takes {$22.00} on the XXXX of every month toward this account, keeping the account in good standing. I have tried multiple times over the years to pay this account in full, and Citi claims they can not find the card. The balance as of XX/XX/XXXX, is {$850.00}. No one at Citi Mastercard can find this account for me to pay it in full. I was on the phone for 6 hours, transferred to multiple locations, and talked to over 16 people on XXXX XX/XX/XXXX, starting at XXXX EST. I started with the number listed on my credit report XXXX, under this account. The name associated with my credit account with this card is " Citibank/CBNA '' address listed is po box XXXX XXXX XXXX SD XXXX XXXX - XXXX. I did find a person in the " Best Buy '' Citi credit card center that said they could see the card but could not help me pay it. My bank XXXX XXXX XXXX gave a trace number for the payments of XXXX. I can not understand how a company listed as taking the money out of my checking account is " Citi Mastercard '' and on my credit report as " Citibank '' can not find the account for me to pay it in full. Someone at Citibank has to be able to find this account for me to pay it in full. If they are taking money out of my bank account, they should be able to find what account that money is going into.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 17543
Submitted Via: Web
Date Sent: 2023-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-16
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I recently retired and moved to the XXXX. On XX/XX/2023, while back in the XXXX to complete the sale of my XXXX XXXX, I created a checking account with CitiBank at its XXXX XXXXXXXX XXXX branch in order to be able to make international wire transfers to the XXXX. After the account was created, I notified CitiBank of my travel to XXXX XXXX via CitiBank 's XXXX application. Despite having done this, CitiBank froze my account once I returned to the XXXX on XX/XX/XXXX and started accessing my account via the CitiBank phone app. Numerous attempts/calls to CitiBank 's XXXX department XXXX XXXX CitiBank canceling XXXX account despite being given the identity verification information it requested. There are more details to the situation, but the above is what happened in a nutshell. I attempted to provide CitiBank with multiple other documents/information to verify my identity, but CitiBank 's XXXX department refused to provide any email address or other means of communication, even when requested by the XXXX XXXXXXXX XXXX XXXX office XXXX the XXXX department on my behalf. I would like the {$8900.00} balance of my account deposited in my XXXX XXXX account directly by Citibank. I would have used XXXXXXXX XXXX for the international wire transfers, but was told by XXXX XXXX that I would have to be physically present at a XXXX XXXX branch in the XXXX to do so. Being in the XXXX, this is not possible. I can share many documents/information confirming my identity. Please contact me to advise how this information can be shared. Thank you!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53222
Submitted Via: Web
Date Sent: 2023-05-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A