Date Received: 2023-04-18
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Serious Negative delinquency from citi bank on behalf of best buy falsely charging me an annual fee when i dont have any best buy accounts transaction is 2019 or older please show me documentation Showing proof of transaction showing I was ever late to Support your inaccurate reporting on my account if you can not supply this please delete this alleged late payment from my credit report. the FCRA allows 30 days for this to be rectified
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 915XX
Submitted Via: Web
Date Sent: 2023-04-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-18
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: I ran my reports on XX/XX/23 to verify if the information I requested be corrected was in fact corrected. It was not. The account ( see attached ) remains in error. My request to the company was simple yet they did not correct the information as requested. The credit bureaus will not keep updated information nor do they care. You pay them, I don't, therefore they don't care what happens on my reports. You're responsible for keeping accurate records 100 % of the time, the bureaus could care less but I care! These errors are affecting my credit scores in a very negative manner!
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: 2023-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-18
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I had {$4000.00} on my Citi bank savings account XXXX. On XXXX, XXXX XXXX Citi bank made transfer from this account {$19000.00} to my Citi savings account XXXX to cover it's overdraft ( this account was overdrawn because of unauthorized transaction and currently under investigation ). As a result of this transaction my account XXXX become overdrawn {$15000.00} and Citi bank close this account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11367
Submitted Via: Web
Date Sent: 2023-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-18
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have a charged-off credit card with Citi Bank which is past the statutes of limitations per the state of Texas. I never received the 1099-C from Citi Bank and they continue to report a charged-off account that is past its collection time frame and neglect to send me the 1099-C to send to the IRS.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77075
Submitted Via: Web
Date Sent: 2023-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-19
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: This is a complaint associated with other compliantID # XXXX. I am writing this as I have two accounts with citi bank ( checking and savings ). Both of my money needs to be returned back as citi bank said it will be closing my account and asked me to submit the proof of funds. So I am writing this.
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: 2023-04-19
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: Card was charged for something you did not purchase with the card
Consumer Complaint: I myself contacted Citi-Bank via phone call. All charges were reported as fraud. The bank deactivated the card ( frozen ) and all charges dropped. I am in the process in contacting you regarding the situation and will fill out a police report online in XXXX, CA. The approximate charges totaled over {$11000.00} USD and the purchases ordered and delivered in Texas. I live in CA for over 70 years. I haven't lived anywhere else not including my years serving in the military.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95687
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-19
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX On XX/XX/2020, an 30 day late was reported on my credit report I was never late on the paid off account listed above, please show me documentation showing proof of transaction showing i was late to support your inaccurate reporting on my account, if you can not supply this, please delete this alleged late payment from my credit report for reasons that it is not a invalid late payment the FCRA allows 30 days for this to be rectified
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48382
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: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I am unaware of the following hard inquiries that I did not authorize XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78572
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: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: I applied for a XXXX XXXX card and was approved. Citibank Changed my address and mailed to this incorrect address. After notification to Citibank a supervisor admitted to citi causing the mistake. They would again send a card. They again sent the card to a wrong address. Citibank then requested I reapply because of the time that had passed. I said it was not my mistake and another hard inquiry would effect my credit score. Citibank has various ways of determining if my credit had changed during this process through soft Inquiry. The card was closed. Citi then reported this address to the credit bureaus. I have numerous recorded calls from citibank. I have been called by citibank from a XXXX area code asking me to call XXXX. I have done so and they representative has no idea why I am told to call. I filed a dispute with the credit bureaus and they contacted Citibank and Citi claims it is my address. My address is XXXX XXXX XXXX # XXXX XXXX Texas XXXX. Citi has listed my address as XXXX XXXX XXXX XXXX Texas XXXX. This is a non existent address. I never received a credit card though several conversations were made and again a supervisor admitting that an employee entered the wrong address. The Credit Card was never sent to me. I dont feel it should even be on my credit file as I was never given opportunity to activate or use the Card. The address should also not be the n my Credit files. I have numerous recordings and also voice mail from Citibank. They have Wasted 100s of hours of my time. I have followed every instruction given to me by various Citi employees and they have changed nothing. They know for example the address is not correct and when contacted by the Credit Bureaus they state to them it is. I have been contacted by other companies where I have an account after they are somehow notified of this address. This has also caused me numerous hours of explaining. I have never been late on any payments Or accounts I have ever had. I am close to an XXXX credit score. They wanted another Hard Inquiry on my credit due to their admitted mistake. I have also been questioned on why I have a Citi card opened and closed in such a short period of time and again I am questioned on this fictional po box . Citibank is well aware of what has transpired and has refused to correct the issue. If a person was one day late on a payment they have the power report this to credit bureaus. I have no power to show how Citibank has acted in this matter and again They were contacted by the Credit Bureaus by my filing of a dispute and refused to correct the issue. I am sure they didnt even bother to look they just tell credit bureau they are not wrong. If they had soent less than 5 minutes looking into to the claim they could have corrected it. Again I have numerous calls and voice mails from Citibank and they admit the mistake to me personally but not to the Credit Bureaus
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78045
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: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened a interest checking account ( ending in XXXX ) on XX/XX/XXXX, at the Citi Bank branch on the XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX, NY XXXX ). At the time of the opening, I was assured to be eligible for a checking account opening promotion if I complete the required activities, which required me to deposit a certain amount of non-citi funds to the account, keep that balance for 90 days, then I will receive a bonus cash deposited into my account within 30 calendar days. Specifically, if I deposit XXXX dollars to this account and keep it there for 90 days, I will receive a XXXX dollar bonus, per promotion XXXX. On XX/XX/XXXX, I made a wire transfer totaling XXXX dollar non-citi funds to this account, and my minimum account balance for this account was above XXXX dollars until XX/XX/XXXX, which was already 123 calendar days. According to Citi 's promotion terms and conditions, I should have already received the promotion by that time. However, I never received the bonus. Also because that my total balance was below their minimum balance to avoid a account management fee that I was never aware of, I was charged a monthly service fee of XXXX dollars per month starting XX/XX/XXXX for XXXX months until I closed this checking account in XX/XX/XXXX. I contacted Citi bank 's customer service via chat in XXXX and XX/XX/XXXX, and they replied that the promotion bonus just takes time to reflect on the account. In XX/XX/XXXX, I still did not receive the bonus. At the end of XX/XX/XXXX, I visited a Citi bank branch in XXXX in person, and a banker filed a claim regrading this issue for me. I was guaranteed to hear back from them within 2 weeks. However, I did not hear a single thing from them until XX/XX/XXXX. In the month of XX/XX/XXXX, I contacted Citi bank 's customer service through phone multiple times to inquire about the status of my claim, and each time the customer service would make a false promise of saying that I will hear back within the next week, and in fact, I did not, until XX/XX/XXXX. Because I was being hit with the 25 monthly service fee and the fact that I could not trust Citi Bank 's promise anymore, I closed this checking account at the end of XX/XX/XXXX. Shortly after I closed this account, I received a letter from Citi 's customer service department delivering the result of my claim, in which they claimed that I was not eligible to receive the bonus from this promotion because my account was closed. This seemed intentional and manipulative because the bank made various false promise through out entire relationship.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78705
Submitted Via: Web
Date Sent: 2023-04-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A