Date Received: 2023-04-27
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: 15 U.S. 1681C-2 A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONCUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THATRESULTED FROM AN ALLEGED IDENTITY HEFT, NOT LATER THAN 4 NUSINESS DAYS AFTER THE DATE OF RECEIPT. IT HAS BEEN 30 DAYS AND YOU ARE IN VIOLATION OF THIS LAW BECAUSE I AM A VICTIM OF IDENTITY THEFT!!! PLEASE DELETE THESE ITEMS IMMEDIATELY. THESE ACCOUNTS SHOULD NOT BE FURNISHED ON MY CONSUMER REPORT AS THEY ARE IN VIOLATION!!! UNDER, 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS { A } IN GENERAL SUBJECT TO SUBSECTION C ANY CONCUMER REPORTING AGENCY MAY FURNISH A CONSUMER REPORT UNDER THE FOLLOWING CIRCUMSTANCES AND NO OTHER. 2 IN ACCORDANCE WITH THE WRITTEN INSTRUCTION OF THE CONSUMER TO WHOM IT RELATES. I NEVER GAVE ANY CONSUMER REPORTING AGENCY WRITTEN CONSENT TO REPORT ANYTHING ON MY CONSUMER REPORT WHICH VIOLATES MY RIGHTS AS A FEDERAL PROTECTED CONSUMER. NO CONSENT IS IDENTITY THEFT. AS A CONSUMER I AM DEMANDING THE DELETION OF THE ACCOUNT LISTED IMMEDIATELY.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76051
Submitted Via: Web
Date Sent: 2023-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-27
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: In 2022 I executed an electronic transfer of {$150000.00} to Citi to open a 6 month fixed rate CD. Just prior to the maturity date of XXXX XX/XX/2022 ( notice attached ) I made a telephone request to close the account and return my funds, now totally {$150000.00}. The customer service representative stated that was greater than the amount that could be transferred electronically. They offered options including wire transfers with substantial fees or mailing a physical check. I elected the physical check option. Because I was assigned to a US Embassy I had a US mailing address but was aware the letters could take 2-4 weeks to arrive. In early XXXX I contacted customer service again because I had not received the check. The representative had no advice other than patience. I indicated I was ending my assignment and moving back to the US in XXXX and that if I had not received the check by that time would ask them to cancel it and mail a new check to my new US address for faster delivery. On XXXX XXXX, the last day I had access to my embassy address, I made that request over the phone to another customer service representative, who confirmed they had my new address and would mail a new check. In XXXX I still had not received either the new check or the original check despite other mail being forwarded by the post office. On XXXX XXXX after additional calls to customer service, the representative stated that although there was a note on file regarding my XXXX request for a new check he could not find the " ticket '' submission that would be necessary for that action to occur. He then submitted that ticket. Shortly after I received first an electronic notice ( attached ) that an inquiry had been opened, with a paper copy arriving by US mail several days later. Oddly that letter omitted contact information for their customer service department. On XXXX XXXX I received an electronic letter ( attached ) stating that Citi had now cancelled the original check and had enclosed a new cashiers check for the amount owed. When that letter and check had not arrived by XXXX XXXX, I called customer service again. The representative stated that the check had been generated on XXXX XXXX and mailed, but to expect XXXX business days for delivery. They confirmed the letter and check should have been sent via normal US mail. They had no explanation for the difference between 10-15 days and the normal 3-5 days for a first class letter within the US. That 3-5 days is a typical delivery time for other paper letters they have mailed me. Given continued increases in CD rates, the amount of money I have now lost due to Citi failing to return my funds after over 4 months nearly equals the amount of interest earned on the account. I have been told the check would be mailed three times. The first has not arrived after 4 months. The second time the customer service representative failed to take action, effectively lying to me. In the third case the time elapsed has already exceeded normal mailing times. It appears Citi is willfully refusing to return my funds in a timely manner and I suspect they are financially profitting from this action.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92056
Submitted Via: Web
Date Sent: 2023-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-27
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, I purchased a XXXX XXXX portable air conditioner. I received a XXXX XXXX window air conditioner, which I did not order. So, I called Wayfair and told them that I did not receive my air conditioner. I uploaded pictures from their Wayfair link to prove that I did not have the air conditioner and to send it back. They also transferred me to the XXXX. The XXXX then transferred me back to Wayfair. I asked to speak to a XXXX several times. No one really could help me. Now, I do not have an air conditioner and I am being billed for something that I do not have. Please help me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 290XX
Submitted Via: Web
Date Sent: 2023-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-27
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I was making normal purchases on my new AA Citi Platinum ; in the same week that I received my card. A purchase from XXXX for {$54.00} got flagged as fraud and I immediately called them. I was asked to verify my account through my secret word and phone number. They told me my phone number could not be verified. They asked for a landline ( Ive never had one ). This is the only phone number attached to my account. They then asked for my companys phone number. I work for a global company headquartered in XXXX with no available number. They said there was no other way to verify and I would have to wait up to 10 days for them to send me a letter, for a {$54.00} charge. I spoke to two people asking if there were other ways to verify and they told me no. Extremely frustrating that I wait over 2 weeks for a card to come, and after 2 days it gets shut off with XXXX warning for another 10 days! There has to be another way to verify!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75224
Submitted Via: Web
Date Sent: 2023-04-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-26
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I applied, and was approved, for a Citibank , N.A . credit card in XX/XX/2023 for the sole reason of the balance transfer promotion attached to the Citi Simplicity card. The documentation received with the card ( card ending in XXXX ), dated XX/XX/2023, advised my limit was {$3300.00} and the balance transfer option was " 0 % introductory APR for 21 months from the date of first transfer when transfers are completed by XX/XX/2023. '' On XX/XX/2023, I accessed my online account to submit the balance transfer request and the balance transfer promotion was no longer showing. I spent an hour on the phone on this date & the representative located the offer and advised the offer would reflect online by XX/XX/2023. I accessed my online account on XX/XX/2023 and noticed the offer was not there. I began an online chat with a representative who advised she could not locate the offer and advised I apply for a card that has that offer. I feel I was a victim of " click bait ''. Citi responded on XX/XX/2023 advising they will honor the offer. I have since made 3 phone calls, XX/XX/2023 # XXXX, XX/XX/2023 XXXX and XX/XX/2023 leaving a message for a return call as I was advised on XX/XX/2023 that I would receive a call from XXXX within 48hrs to process the bonus offer. They advised on XX/XX/2023 that the cases on XX/XX/2023 and XX/XX/2023 were closed and needed to be reopened. They have yet to process the bonus transfer offer that expires XX/XX/2023. I believe they are delaying this process on purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 216XX
Submitted Via: Web
Date Sent: 2023-04-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-26
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: On XX/XX/XXXX, I opened a new checking and savings account as a XXXX XXXX with Citibank and referred a friend who also opened new accounts with {$30000.00} this same day which made me eligible for the XXXX bonus of {$100.00}. I have gone into the branch location in XXXX XXXX Florida at the XXXX XXXX several many times to have this bonus deposited into my account and also called which there is never an answer on their branch phone. I spoke with the manager XXXX XXXX ( XXXX ) and my account manager XXXX XXXX on over 5 occasions face to face both indicating this will be resolved. I have a file of email correspondence, Too date this has not been resolved XX/XX/XXXX. I spoke with a XXXX XXXX XXXX XXXX XX/XX/XXXX and XXXX on XX/XX/XXXX both indicating that the bonus code was not coded correctly at the branch to apply the bonus. I was told I must deal with the bank as this was a branch promotion.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33445
Submitted Via: Web
Date Sent: 2023-04-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-26
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/XXXX of 2023, A company called XXXX took XXXX out of my checking account without my permission. I called Citi Bank and filed a claim, concerning the debit card transaction. The claim was filed and on XX/XX/2023 Citi bank provided me with a temporary credit to my checking account. On XX/XX/XXXX of 2023 XXXX also; gave me a credit to my checking account, but I was not made aware of the credit to my account not by letter nor email. So, I basically received two credits one by the company and another one by the bank. On XX/XX/2023, I checked my checking account to find that it was in the negative XXXX and this is only because there was some existing funds in the checking account at the time. On XXXX XXXX 2023 when I reached out to Citi Bank about the situation I was informed that the temporary credit had been removed from my account because the company had sent them a letter stating that they had issued me a credit as well, but I was not made aware of this. So, I asked the representative when did the merchant send them the letter letting them know that I had received the credit to my account because I believe that when Citi bank received the letter instead of them acting right away to remove the extra credit Citi Bank allowed it to sit in my account! Now here it is XX/XX/2023 and they want to take the temporary credit back which now leaves my checking account with a negative balance of XXXX. I get Social Security and Social Security XXXX in the account, so I can not afford to be hit with a negative XXXX balance towards my account! I believe that Citi Bank did not act in a timely manner concerning the credit that was received by the merchant because if they had, then they would have been able to retrieve their temporary credit with out me ending up with a negative account balance!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60615
Submitted Via: Web
Date Sent: 2023-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-26
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I followed an advertisement that Citi had for receiving XXXX to XXXX XXXX XXXX miles. I followed ever thing listed as a requirement. I have included the " Welcome letter '' showing what I had left to complete the requirements. I completed those requirements. Both parties agree that I fulfilled the steps required to receive the miles. The disagreement comes about the initial requirements. They say I did not complete the initial requirements necessary. They stated that I deposited the fund int o the wrong type of account to begin with. I told them that I did and that they even sent an Email welcoming me. If I received a welcoming letter... Then what did I do wrong?? They had no answer and that is the last I heard from them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 330XX
Submitted Via: Web
Date Sent: 2023-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-26
Issue: Communication tactics
Subissue: Called before 8am or after 9pm
Consumer Complaint: Citibank has called me before XXXX on XX/XX/XXXX and XX/XX/XXXX from number XXXX. They are also calling XXXX to XXXX per day from XXXX and the number ending in XXXX. The constant calls started on XX/XX/XXXX and have continued throughout the month. The harrassing calls have now escalated to calling before XXXX multiple times. I read on the XXXX rule, and they have definitely exceeded the number of calls that should be made. Please investigate and fine the company, to prevent this harassing behavior from continuing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85213
Submitted Via: Web
Date Sent: 2023-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-25
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: This is in regards with the complaint # XXXX Citibank has responded saying that they are withdrawing the decision on blocking and closing my account. Thank you for the decision. However, when I tried to login to the app, I still keep getting my access has been blocked. I called customer care bunch of times. They say my account is in good state and I was even shipped with new debit card. But when I asked for access, they keep on saying maintenance. I don't understand how can only my account is been in maintenance for 5 days? So I still can not access my account from past 5 days since I received the response of everything is good.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78641
Submitted Via: Web
Date Sent: 2023-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A