Date Received: 2023-04-25
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: This company is reporting status of account incorrectly to XXXX, XXXX and XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02453
Submitted Via: Web
Date Sent: 2023-04-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-25
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: - XX/XX/22 - Opened a new checking account using a Promo that required to deposit and mantain a minimum balance of {$75000.00} for 60 days to receive a {$1000.00} bonus - XX/XX/22 - Transferred a total of {$75000.00} to the citi checking account from XXXX - early XXXX - Reached out to Citi to inquire on bonus status. They said I need to send them a completed W-9 form. I send the requested forms to Citi XXXX XXXX - early XXXX - Reached out to Citi, they confirmed received of W-9 form. Said to wait another week - mid XXXX - Reached to Citi again, created a ticket ( XXXX ) to follow up on the bonus status. Said it went to management level and they have to approve/complete - late XXXX - Citi says they still waiting on management to approve - XXXX - Still same status. Nothing CS can do to expedite the process
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30022
Submitted Via: Web
Date Sent: 2023-04-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-24
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: I MADE THIS DISPUTE IN XX/XX/XXXX, AFTER I HAD RECEIVED MY XX/XX/XXXX STATEMENT. I AM STILL IN DISPUTE BECAUSE THE COMPANY HAS NOT FOLLOWED THROUGH. ON XX/XX/XXXX ORDER XXXX XXXXXXXX {$380.00} WAS CHARGED. ON XX/XX/XXXX ORDER XXXX XXXXXXXX {$390.00}. ON XX/XX/XXXX ( A DUPLICATE ORDER ) XXXX XXXX {$390.00}. I WAS CHARGED FOR 3 GRILLS. I RECEIVED 2 GRILLS. I RETURNED 2 GRILLS. SO I SHOULD NOT OWE ANYTHING SINCE I DO NOT HAVE ANY GRILLS. LETTER RECIEVED FROM COMPANY DATED XX/XX/XXXX STATED THAT CREDIT FOR {$380.00} ON XX/XX/XXXX. SECOND LETTER FROM COMPANY DATED XX/XX/XXXX STATED THAT CREDIT FOR {$380.00} ON XX/XX/XXXX. THIS IS NOT CORRECT. AS I DID NOT RECIEVE THE 2 CREDITS FOR THIS AMOUNT. ONLY CREIDTS THAT WERE RECIEVED ARE : XX/XX/XXXX {$380.00} AND XX/XX/XXXX {$390.00}, I STILL AS I HAVE STATED FROM MY " FIRST '' DISPUTE NEED THE CREDIT OF {$390.00}. THIS IS FOR THE GRILL THAT I NEVER RECIEVED. I WAS TOLD BACK IN XX/XX/XXXX BY XXXX THAT IT WAS A DUPLICATE ORDER AND I WASNT GOING TO BE CHARGED. BUT I AM STILL BEING CHARGED TODAY. DUE TO THE DIPUTE I AM BEING REPORTED TO THE CREDIT BUREAU " AS LATE '' EVEN AFTER MY MANY CALLS AND LETTERS WITH THIS MATTER. IT HAS TRULY RUINED MY CREDIT SCORE.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-24
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I am writing in response to the incorrect reporting of a fraudulent settlement by Citibank, specifically regarding the unauthorized settlement of my account with XXXX XXXX XXXX XXXX XXXX I have been requesting from Citibank to correct this fraud for 2 years not and they keep responding with the same redundant responses without taking action with the agencies to correct the reporting. I would like to re-emphasize that I never authorized or accepted any settlement agreement for the account balance of {$1600.00}. I have been requesting from Citibank to correct this fraud for 2 years not and they keep responding with the same redundant responses on the incorrect settlement terms. As previously communicated, I did not engage in any phone conversation on XX/XX/2020, with XXXX XXXX XXXX XXXX, nor did I accept a settlement or schedule a payment of {$1000.00} to be processed on XX/XX/2020. The settlement credit of {$670.00} that was applied to cover the remaining balance on XX/XX/2020, was also executed without my knowledge or personal consent. I demand a correction of the inaccurate information reported to the consumer reporting agencies. As a result of this unauthorized settlement and incorrect reporting, my credit profile has been negatively affected, and I have suffered financial harm. This has been going on for 2 years now with Citibank. As previously requested, the least Citibank can do is report this account as closed, not as partially paid. Please correct the reporting of this to the agencies urgently. Thank you for your attention to this matter. I look forward to receiving your prompt response. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 16066
Submitted Via: Web
Date Sent: 2023-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-24
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: On XX/XX/XXXX I contacted Macys and ask to make arrangements on my accounts due to being XXXX with XXXX. The representative that I spoke with said that they could help me and returned my payment that I had made on the account the same day to me and said that I was set up on a payment plan under a hardship and that my payments would begin the next month XX/XX/XXXX in the amount of {$71.00} a month. I was under the impression that my payments would start on the XXXX of XXXX since that was a month from the date that the arrangements were set up on.My normal payment was always due on the XXXX of every month. I didnt make the payment until around about the XXXX of the next month which was XX/XX/XXXX, which was for the {$71.00} a month payment that I was set up on, I got a letter in the mail saying my account was past due in the amount of about {$220.00} and some change, I called Macys and spoke with a representative and she told me to disregard that notice because she seen where I was set up on a hardship program. The next thing I know I m being reported to the credit bearu for being 30 days late on my Macys account. I called Macys credit department to tell them that they have wrongly reported me to the credit bearu being 30 days late on my credit report when in fact I had called them to set up payment arrangements after I had made an payment that was sent back to me on XX/XX/XXXX. I was told to start my payments of {$71.00} starting the next month which would be due on XX/XX/XXXX which I thought would have been on XX/XX/XXXX since that was the date the hardship was set up on.The representative looked up my account and said that the payment was due on XX/XX/XXXX and I told her that I thought that the payment was due a Month from the day that I set up the new payment arrangement and she replied No it would still be due on the original due date XX/XX/XXXX and I said ok but it still wouldnt be 30 days late if the payment arrangement was set to start the next month and the payment that I made on XX/XX/XXXX was returned to me from the First representative that I had talked to on XX/XX/XXXX had set me up on the hardship saying that he reversed the payment that I made and that my payments wouldnt start until the next month on XX/XX/XXXX which as I mentioned before that I thought it would be due on XX/XX/XXXX a month from the date I called and set up the hardship, that would only be XXXX weeks late not 30 days. I got another bill in the mail saying that I owed {$220.00} past due again and I called to let Macys credit department ( Citi Bank ) know that I was set up under a hardship plan and that my payments would only be {$71.00} a month which had already started in XXXX of XXXX, Macys wasnt communicating with staff that I take it. This problem has been on going since I set up a payment plan with Macys. Around about XXXX XXXX, XXXX I applied for credit and was denied and I got my credit report and it showed Macys department store ( Citi bank ) reporting me to the credit bearu 30 days late for the month of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I immediately called Macys once again to report my findings of inaccurate information being reported to the credit bearu every month on my credit report from them, I also told them that I have every bank statement for those months showing that my {$71.00} to Macys being deducted out of my checking account with XXXX XXXX XXXX XXXX being paid on time not XXXX days late every single month from XXXX of XXXX thru XXXX of XXXX. I told the representative that I was mentally exhausted and tired of going round & round with Macy! s and that this was going to be my last time calling if I cant resolve the issue and that I would seek legal representation to deal with this matter if it cant be resolved. I never gave them an attorneys name because I hadnt hired XXXX yet because I was trying to resolve the issue with my account for once and for all, they sent me a letter requesting my attorneys name. The representative told me that she was sending my account up to the Presidential level and let them look at my complaint and resolve it, I spoke with a representative from the presidential department, I cant remember his name right off but he told me to send him everything that I had concerning my accounts, he gave me an email that kept rejecting my emails sent to him, I called and left messages but no ever returned my calls and I got a letter from Macys around about XX/XX/XXXX saying that they they werent going to change any information on my account and also they flagged my account with the credit bureau and that if I wanted my account to be unflagged that I need to give them a call.Ive been through nothing but XXXX since i been dealing with Macys and not to mention that I am XXXX of there ( Most Valued, Loyal Customers ) as they call it when you spend so much money with them with a good payment history.I feel I have been treated unfairly with Macy! s and they think that they can ruin my credit based off of lies because I have Solid Proof from XXXX XXXX XXXX XXXX that money was taken out of my account and paid on time to my account with Macys. I feel like Ive been bullied from this corporation and that they think that I cant do anything about it, Im reaching out to you all in good faith to assist me with this matter in anyway possible to resolve this situation. Thanks XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 36830
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-24
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: Opened a Citibank Business Checking Account with an advertised offer to deposit {$25000.00} into a new Business Checking account to receive {$700.00} after 60 days. I opened a new business checking account and deposited {$26000.00} on XX/XX/XXXX. XX/XX/XXXX should have been over 60 days but I never received the bonus. I called a Citibank XXXX in XXXX and was told to wait for it to post in a couple of weeks. It never posted. I went into the Citibank branch where I opened the account on XX/XX/XXXX and was told they would put in a request for the bonus and I should see it in 2 weeks. Two weeks later, still nothing. I then called the Citibank business line and spoke to a manager and explained the situation and they said they would put in a request and it should be in there in 2 weeks. It is now XXXX XXXX and the bonus has never been posted. Apparently this seems to be a common occurrence with Citibank. Had I known about this I would not have opened this account. Its extremely frustrating because not only is Citibank not doing what they are advertising, but even if they are " forced '' to give consumers the bonus they have rightly earned, there is no punishment and therefore no incentive for Citibank to change this apparent policy of not awarding banking bonuses as advertised ( meanwhile they get use of the customers and small business owner 's money for free for months! ) This egregious business practice should be punished.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91607
Submitted Via: Web
Date Sent: 2023-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-24
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Dear Sir/Madam, I am writing to file a formal complaint regarding my closed credit card account with Citi Bank XXXX I am concerned that my account has been subjected to high interest rates and other fees, despite being closed due to my current medical issues which have left me unable to work. As a consumer, I understand that there are laws and codes of banking in place to protect individuals from falling into debt with their credit cards. I have attempted to manage my debt responsibly, but have found the interest rates to be unreasonable and unmanageable given my current circumstances. Furthermore, I would like to express my frustration with the lack of communication from Citi Bank regarding this matter. I have not been given a clear explanation as to why my account has been subjected to such high rates, or any assistance in managing my debt in a manner that is more reasonable given my current situation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08060
Submitted Via: Web
Date Sent: 2023-04-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-24
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Its a Macys store credit card. At the beginning of Covid, I called and requested to be put on a forbearance. It was approved and they reported me as late the following two months. I shouldnt have been reported as being late since the forbearance had already been approved, and I was told by the person who handled the approval that I didnt need to make any payments at that time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90805
Submitted Via: Web
Date Sent: 2023-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-24
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: Citibank customer since XXXX, first time victim of a stolen check and check forgery. Check {$9400.00} was payable & mailed to XXXX XXXX Treasurer office in XXXX. It was stolen and altered in the payee & memo lines then cleared by Citibank. I detected the forgery check in the last week of XXXX online and reported immediately by phone. Then file a claim at the local Citibank office. Citibank denied my claim and appeal because I file the claim not within the time limit.. Check was cleared in XXXX XXXX. I couldn't report the crime when I did not suspect or detected the forgery check. I have paperless monthly statement, therefore I do not receive a paper copy by mail. And during the month of XXXX & XXXX, I have difficulties going online at Citibank website. It was not accessible many days. Then if I can login I only can view one task then it locked up. Citibank website was reconfiguring the website. I called for help technical support many times. To proof that I COULD NOT access my account information, during XXXX & XXXX, I had to call customer service to retrieve copy of checks for my tax accountant. And I have copy of the Citibank respond letters. Please help me to appeal to Citibank to credit my checking account {$9400.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60605
Submitted Via: Web
Date Sent: 2023-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-24
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: On XX/XX/XXXX I paid off my Citibank Double Cash credit card balance of {$88.00} and had a balance of {$0.00} owed. I had this account open since XXXX and had ; the same address, account used to make payments, phone number, email, all the same throughout the life of the account. On XX/XX/XXXX I received an email from Citibank saying my security word had been updated. After reaching out to Citibank, they 'resolved " the issue by closing my account and mailing me a new card, which was never recevied. I followed up once to check on the status of the card. On XX/XX/XXXX I received an email saying that a payment of {$130.00} was returned unpaid from XXXX XXXX, XXXX XXXX. The bank account was not mine, I only used XXXX XXXX. I explained that the balance was not mine as I never received the card. A customer is unable to access any account information until they receive their card. Citi confirmed the address on the account was updated from my address located in I haven't used my card at all since XX/XX/XXXX, and my balance was {$0.00}. I also had not received any replacement card. I decided to close my account due to the fraudulent activity, and was told that all charges would be removed from my account. I received the email confirmation of account closure on XX/XX/XXXX at XXXX. That same night, at XXXX, I received a welcome email saying I have a new Double Cash account with a new number. On XX/XX/XXXX I received a statement saying a balance was owed for {$160.00} on a Double Cash account, but different account number. I called Citibank and asked why an account was open, and had a balance in the first place. I was told that it was a mistake, and that I am free to ignore it. On XX/XX/XXXX I received an email saying the same account now had a balance of {$210.00}. I called and asked again about the balance and account, and was told I could ignore it. On XX/XX/XXXX I received an email for a scheduled auto-payment. On XX/XX/XXXX I called Citi again about the account balance and auto-payment email. They said that my account balance showed {$0.00} despite me telling them that my credit report has been showing late & missed payments on my end. So I asked for Citi to remove the account from my name as it was fraudulent and took down a confirmation number. On XX/XX/XXXX I received an email confirmation from Citibank for the unauthorized account was showing a balance of {$0.00} and that the account was closed. On XX/XX/XXXX I received an email saying a payment of {$210.00} from XXXX XXXX, XXXX XXXX was returned for the account previously mentioned on XX/XX/XXXX On XX/XX/XXXX I received an email saying the balance owed on the supposedly closed account was now {$250.00} On XX/XX/XXXX I received an email saying I received 'e-communication ' regarding the account, which I was unable to view as I never received the card which is needed to create an account to view these documents Additionally, when an account is closed, a customer is no longer able to access the account online or through the app XX/XX/XXXX I finally received an email saying Citibank opened up a dispute for the most recent account ( which was supposedly closed ) On XX/XX/XXXX the auto-payments were finally canceled On XX/XX/XXXX I received an email showing a statement balance on a completely new account number with a balance of {$160.00} On XX/XX/XXXX I received an email asking to make payment immediately and that I am " XXXX payments past due '' on my card On XX/XX/XXXX I was on the phone with Citibank form XXXX XXXX until XXXX XXXX, trying one again to resolve the issue as I had received a letter in the mail that a representative said I needed for verification in order to proceed with fixing my issues. After having my call dropped/hung up/left on hold/transferred to bogus numbers, I decided to pay the balance and pursue whatever actions I can to recover my damages and avoid further harm to my credit report. Even after this payment was made, I received no email confirmation, and was told they could not email me one, despite the countless emails I've received in the past. Since XX/XX/XXXX, I have called Citibank consistently, about every XXXX weeks. Each time I spoke to a representative and explained that I paid off my card in XX/XX/XXXX, and that any activity after that point was fraudulent, I was greeted with confusing, conflicting statements. Some representatives would state that no balances were showing on their end. Others said they would open up a dispute for me. Each representative said that it would take about 60-90 days for a resolution, and that they would reach out to me for more information if necessary. No one ever reached out to me. If they try and say they did through the account portal, I didn't have access as I never received the card, and explained that each time. Other representatives would transfer me from one department to the other, only to be greeted by them telling me I needed to be transferred again as the issue fell under a different department. I have been told that due to security reasons I needed to call back after receiving a letter to read a code, verifying my identity. When I called, I was then told that the number was no good, and that a new letter needed to be mailed. I'd imagine that this issue would be one of the simplest to fix as the timeline is pretty clear, as I paid my card 's balance off in XXXX of XXXX and received no more emails as I wasn't using my card afterward, and that the timeline would clearly show that all activity after that point was fraudulent. I always called immediately upon seeing any fraudulent activity, and almost always paid my card 's balance off entirely to avoid paying any interest. My credit score went from XXXX in XX/XX/XXXX, the highest I've ever had, to XXXX as of XX/XX/XXXX. Despite continuous calling and reassurances, misinformation, and blatant negligence, I've tried to work with Citibank to resolve this issue, and it still hasn't been taken care of. Despite making the payment to prevent any additional harm to my credit report, I fear I will still encounter future issues with Citibank. I have used my vacation time, work lunches, breaks, personal time that I use for my business, all trying to resolve this. I reluctantly paid the balance only because out of myself and Citibank, I'm the only one who has incurred any damages throughout this experience as their business operates without any issues, meanwhile I've had to postpone home projects due to my credit being impacted so much and trying to avoid higher interest rates
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92553
Submitted Via: Web
Date Sent: 2023-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A