Date Received: 2023-04-20
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I have a Citi credit card and was offered a promotion to open a checking and savings account with Citi. Upon applying, I was denied and received a letter with a reason " Unable to verify information on my consumer report ''. The letter goes on starting " The credit reporting agency played no part in our decision and is unable to supply specific reasons why we have taken the action stated above. '' Further when I reached out to Citi to ask for further details, I received the following response after weeks of waiting : " We understand that you are displeased with the decision to not proceed with a Citibank banking relationship ; however, our position remains unchanged. According to the Terms and Conditions of the agreement that governs the relationship between Citibank and its customers, we may close or suspend your account for any reason, or for no reason. This decision is final and wont be reversed. In addition, the credit reporting agency played no part in our decision in this matter. '' This neither addressed my questions for further detail nor is helpful in understanding the issue so I can possibly resolve with the credit bureau/s . This type of response is not acceptable and further details need to be provided.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33160
Submitted Via: Web
Date Sent: 2023-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-19
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: On my XXXX Credit Report there are three credit card accounts for The Home Depot credit cards, two of which are mine, however the 3rd one is not mine. I've contacted The Home Depot to correct their error in reporting this third credit card under my name and was able to determine that the problem is due to my phone number is associated with my ex-employer 's Home Depot Credit Card, and her rewards points account at Home Depot. The account number I believe is associated with this The Home Depot Credit Card is XXXX XXXX XXXX ends with XXXX or XXXX. I believe that this credit card belongs to XXXX XXXX, an ex-employer and an ex-roommate of mine, who added me as an authorized signer on her Home Depot account several years ago, possibly giving them my phone number to contact as I was a job site supervisor for construction materials purchases for her at the time. However, I am not responsible for her credit card account at Home Depot. I've repeatedly explained my issue to their Credit Department and although they promised to stop reporting in my name, they have neglected to correct the issue. Since the account is paid on time, they seem to be reluctant to address this issue. I've also complained by filing a dispute with XXXX, and they investigated and neglected to change their credit reporting for me. The balance is ill-effecting my credit score. If anybody would seriously investigate this issue, they should be able to see the credit card payments are not being made by me because it's not my credit card! I want this high balance to stop being reported in my name, so I am hopeful that you can have better results then I have had in getting XXXX and XXXX to discontinue reporting this account on my credit. The XXXX Investigation report number is XXXX and was Investigated in XX/XX/ XXXX and remains reported on my credit report. Thank You for your assistance in resolving this credit reporting error.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95843
Submitted Via: Web
Date Sent: 2023-04-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-19
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: To whom it may concern, on XX/XX/2023, i made a XXXX payment to city bank on my city simplicity card XXXX. the transaction was supposed to cover XX/XX/2023 payment. Then on XX/XX/XXXX th I called to make my payment for XXXX and was told by the computer i was past due. Then i called back to speak to the customer service. Agent. who told me my bill wasn't generated. i asked to speak to a supervisor and got a lot of double talk which made me very upset. Then today XX/XX/XXXX i called back and requested to talk to someone and got more. she told me i was behind and didn't make my XXXX over XXXX dollars plus XXXX past due. I feel City bank made a mistake with my account. I have a stellar payment history. but they are unwilling to admit to it. not to mention giving me a bad report on my credit. please help me with my account XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-19
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: On XX/XX/ I made a purchase from XXXX totaling XXXX with an XXXX XXXX AAdvantage credit card from Citi bank. The items that XXXX shipped were not correct and did not work as listed on XXXX website so I returned everything via ups shipping provided by XXXX. The order was delivered back to XXXX under tracking XXXX and XXXX. Proof of delivery states that the shipments were received by XXXX on XXXX XX/XX/XXXX at XXXX XXXX at " Dock '' by " XXXX XXXX '' in XXXX AZ and XXXX, XX/XX/XXXX at XXXX XXXX at " Dock '' in XXXX XXXX NV. XXXX refused to acknowledge the return so I filed a dispute with Citi stating the same as above. Today XX/XX/2023 the dispute was denied on the basis of the shipping info from the original XXXX order. I never once said I did not order the items, this dispute was over not receiving a refund on the return of the items. Citi has failed to do any sort of investigation or due diligence in this matter before simply denying this dispute directly violating my rights under the FCRA.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ID
Zip: 83709
Submitted Via: Web
Date Sent: 2023-04-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-19
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/23, I opened a new checking and savings account with Citibank. I was informed by Citibank via email that my debit card should arrive by XX/XX/23. But I never received my debit card. On the morning of XX/XX/23, I saw a fraud alert from Citibank stating that there was suspicious activity on my Citibank Debit Card. I immediately reported that I did not recognize the activity and logged into my online banking account to investigate further. I discovered that {$1000.00} had been withdrawn from my checking account without my authorization. I immediately called Citibank to report the fraudulent activity and inform them that I had never received my debit card. Citibank assured me that I did not need to worry and that they would refund me within 10 days. However, on XX/XX/23, I called Citibank back to inquire about the status of my refund, and they informed me that my claim had been denied because the transaction was authorized. I then appealed the decision multiple times, providing information such as the fact that I never received my debit card, that I had filed a police report, and that it was their mistake because a Citibank customer service representative had unlocked my card right before the fraudulent activity occurred. Despite my appeals and attempts to provide evidence, Citibank continued to deny my claim. As of XX/XX/23, Citibank still refused to admit its mistake and provide me with a refund for the {$1000.00} that was wrongfully taken from my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44145
Submitted Via: Web
Date Sent: 2023-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-19
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: They are reporting incorrect information to XXXX XXXX and XXXX. I'm not sure why but the last reported and last active dates are incorrect. They need to be corrected ASAP. In addition XXXX shows the account still open when it's been closed for years. That too needs to be corrected. That is affecting my FICO score and I don't appreciate it. If it is not corrected at both bureaus I will include you in the law suit I file against the bureaus. I have all of my paperwork as proof and the complaints I've filed with CFPB with the bureaus. I ran this report with a company that allows me to run all 3 to see what creditors see on XX/XX/16. This is the result of that report. I want it corrected, no excuses!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84770
Submitted Via: Web
Date Sent: 2023-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-19
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I have been a Citibank credit card holder for over 32 years and due to the latest bank crises in California I decided to open a checking account with Citibank to distribute my funds. I opened the account online and transferred {$9000.00} to the newly opened account using my bank account with XXXX XXXX that, by the way, has been on my Citibank credit card file for 32 years, it is the account that I use for autopay my Citibank credit card. shortly after, they cancelled the newly opened checking account and refused to refund the money stating that it may take 2 months to issue a refund for " security reasons ''.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48127
Submitted Via: Web
Date Sent: 2023-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-19
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I am a XXXX XXXX woman. I have a credit score of about 740-780. On or about XX/XX/2023, I submitted a credit card for the XXXX XXXX Citi Card. It was denied under the pretense that my credit card privileges were restricted. In response to this denial letter, I called Citi Cards to inquire about this issue. I was informed there was a closed credit card that was opened under my name and was in a negative status. I requested verification of the account so I can take legal action to address the issue and I can re-apply for the Citi card. However, my requests to address the issues were ignored by multiple representatives, often some of them mocking my manly voice. After about 10-15 calls with different reps and about 2-3 hours of trying to resolve this issue, it became clear to me that Citi was not interested in resolving this alleged account that was opened under my name. I respectfully request your assistance in addressing this situation and the potential discriminatory application of internal credit card applications.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85050
Submitted Via: Web
Date Sent: 2023-04-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-19
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/XXXX, I opened a savings account with Citi and made two deposits totaling {$5200.00}. Nine days later, they emailed me informing that they were closing the account due to a supposed violation of their TOS. Specifically, the email stated that " Based on a recent review of your Citi ( R ) Accelerate Savings account, we found that you have violated the terms of your account per the client manual. '' While this was frustrating and unwarranted, I was confident they would return my money in short order and was more concerned about paying a credit card I have with them as the whole situation had locked me out of my online banking portal. I called them on three occasions in XXXX to try to understand why they were closing my account. As a XXXX XXXX I understand that the models they use to screen for fraud can sometimes be over-cautious, so I figured that getting human eyes on the situation would resolve it. However, each time they told me that the account was marked to be closed, there was nothing I could do about it, that Id be returned any money I was owed in 45-60 days, and then they would hang up in my face. It has been over five months since I have been locked out of my account. Last month, XX/XX/XXXX, I visited a Citi branch in XXXX to talk to a real person. The woman I spoke with was very surprised about the situation and coached me through two additional calls to the call center ( she could not personally unlock the account because I opened the account online rather than through a branch ). I learned that the account still has not been closed but is locked due to a still-pending investigation against my usage of the account. I also learned that the account is showing a balance of {$0.00} but they would not give me any info about recent transactions ( where did my {$5200.00} go? ) and are treating me like a criminal. They reaffirmed that any money I am owed would be returned within 45-60 days, which holds no water as the account has been drained and it has been over five months since they initially gave me that timeline. Despite their lack of forthrightness about why my account is closed, I have pieced together through hours of conversations with call center agents that the most likely reason is they are suspicious about the way the account was initially funded. When I funded the account through ACH, my checking account info was already filled in ( from XXXX XXXX XXXX XXXX XXXX ), I assumed due to having my Citi credit card already linked with my bank. The site was acting glitchy at the time so maybe this was not supposed to happen and I needed to enter the info manually. Either way, the funds were successfully debited from my checking account on XX/XX/XXXX and never returned via ACH or check. Citibank stole my money and I have no faith that it will ever be returned. This has taken a tremendous mental toll on me and come at a terrible time ( I was laid off in XXXX from my W2 and have struggled to find another job due to the dramatic hiring pullback in XXXX XXXX XXXX XXXX TIMELINE OF EVENTS XX/XX/XXXX - I open a Citi Accelerate Savings Account online and fund it through ACH using my XXXX XXXX XXXX XXXX XXXX checking account in two transactions ( {$1000.00} and {$4200.00} ) to total {$5200.00}. XX/XX/XXXX - The date that the funds show as debited from my checking account. I have attached a screenshot from my checking account portal as proof of the successful funding. XX/XX/XXXX and XXXX, XXXX - I made two transactions totaling {$4700.00} to XXXX as payments toward a crypto-backed loan I have with them. Both are reversed by Citi despite the funds showing as present in the account at the time. Thus, the entire balance of {$5200.00} remains in my Citi savings account. This puts me in hot water with XXXX who now have reason to believe I *am* actually acting fraudulently and I am forced to scrape the money from elsewhere to prevent a penalty from the bounced ACHs. ( Based on my conversations with the reps, the transaction reversals are not the reason for the account lock, but rather the initial method of funding ). XX/XX/XXXX - I receive the account closure email with no further clarification. Between XX/XX/XXXX and XX/XX/XXXX - I call Citi three times, including one time to a branch in XXXX VA in an effort to speak to a domestic agent ( not overseas call center ) and each time go through many steps of verification just to have them inform me they are terminating their relationship with me and any funds will be returned in 45-60 days. They do not answer any questions about the reason the account is closed and hang up on me when I try to press for more information. Late XXXX XXXX - I receive a form 1099-INT from Citi saying that I have earned {$18.00} in interest due to my Citi Accelerate Savings account which has an Account Status of Open according to the letter. This interest is proportional to the {$5200.00} initial funding and the advertised interest rate. XXXX through XXXX - I receive no communication from Citi about the account, nor a check with the funds I deposited despite it now being well over 60 days since the account restriction. XX/XX/XXXX - I visit the Citi branch at XXXX XXXX XXXX XXXX XXXX to try to resolve the situation in person. The woman I speak with assists me in calling the same call centers for the better portion of an hour and tells me that based on the account notes she believes that the bank thinks I improperly funded the account. She tells me she has never seen anybody treated this way by the reps. I am told by the call center reps that the account is locked ( not closed ) and when the account closes I will receive any funds owed within 45-60 days. They have no good answer for why it has been so long and the account is still locked. They tell me the account has been drained and has a balance of {$0.00} but refuse to give me any information on the transactions that drained it. Based on this, I believe that even when the account is finally closed they will not return the initial balance of {$5200.00}. XX/XX/XXXX - I again unsuccessfully spend nearly an hour with the call centers trying to understand a timeline for when the funds will be returned. I go through every identity verification process with them, as before, but there is no further communication.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-19
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I disputed charges of fraud with XXXX XXXX for my bank to reimburse me of charges. I did authorize charges but the company scammed thousands of patrons for the music festival. XXXX XXXX ( place whew event was to take place has filed a lawsuit against music getaway ). I submitted proof of XXXX letter and letters from other patrons, I have submitted a claim twice to her funds back to no avail. There is a XXXX XXXX dollar lawsuit against the company form several people and they have sinced changed the name of the company. Please help me to get my funds replaced so I can also drop Citibank as my primary banking source. The payments made to music getaway for rooms and concert are never made to XXXX XXXX to secure rooms, I was informed that my account was canceled and not to show up because hotel-was sold out, not true, ( I went online and was able to book a room within hours of them telling me that ). I have proof of others stating they told them their account was canceled also for missed payment, that was my first t clue that something was amiss, I had ample money in my account to cover all payments, the company stated they tried calling me and emailed me, not true
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94565
Submitted Via: Web
Date Sent: 2023-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A