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 XXXX 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: 2023-04-18
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: The inaccurate unverified alleged negative report from XXXX is in violation of 15 USC 1681i ( 5 ), I am very concerned at the discrepancies on my credit report I am a protected consumer that only wants true and accurate reporting, a statement of an alleged debt is NOT debt validation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-18
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I made a credit card payment to the Citibank Costco XXXX XXXX XXXX ( XXXX ) on XX/XX/23 for {$12000.00}. The outstanding balance on my account was reduced by this same amount. After trying to use the card on XX/XX/23 the card was declined for unavailable funds. The credit card is approved for {$13000.00}. After calling Citibank I was told that because the payment on my account was so large they were going to put a hold on the account until XX/XX/23. I have made many payments in the past and the available funds on the account were available immediately. Citibank is holding my available funds hostage and there needs to be better regulations to stop this practice. Citibank has the funds but will not release the funds to my available credit. They also told me that they needed to make sure the funds were available in my bank account before they can can these funds available on my credit card. They called my bank while I was on hold and determined the funds were available. My bank account with XXXX XXXX XXXX XXXX debited my account on XX/XX/23 for the {$12000.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95670
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: Looks like somebody got in my city bank app and they logged in with him on the mission yesterday doing things they shouldnt and they deposited this check which is XXXX without my consent under my name so when Im receiving calls and says Im like what is going on I called Citibank a couple times but they wasnt picking up because looks like my car was already blocked and I was receiving the day after so I called and they said we cant do nothing about it because your account is being processed to close so you cant file a investigation, so I went to the branch I told him whats going on and I was doing but they still didnt listen so when my car was being close, I got paid XXXX and something and youre still have my money even to this day, were still talking they said it was gon na take the money which is a XXXX and something because they thought that was part of the money but I contacted Customer Service because the manager when I went to the bank she said to contact Customer Service if the check hasnt arrived yet my check hasnt arrived yet, so I went to the Citibank today and I called police like no ones picking up because they cant find my account because my account its already close. I put my Social Security in nobodies doing nothing about it I just somebody things gon na give me my money back. So when I tried to do everything in my power to not to get blocked and you still blocked my account and delete him account so I want to file a complaint because theyre not giving her money back I have ever seen your messages saying were gon na send you the shack nothing
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10040
Submitted Via: Web
Date Sent: 2023-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-18
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: This is a continuance of my previous CFPB complaint ID # XXXX that was closed, I received my bill yesterday ( XX/XX/XXXX ) and the credit limit still says {$500.00}. I still have not received my card so I cant look up any information online regarding this account without the card. I placed an order over the phone on XX/XX/ since I still do not have a card. Each time I placed the order on XX/XX/2023 with the Macys Representative in the Order department over the phone, the order was cancelled three times. A few times before the Macys Representative could give me all of the order number information, I was getting an email and it showed online under my online Macys Account as cancelled by Macys. The 4th time I called about this exact same order that keeps getting cancelled. I was spoken to very rudely and I was hung up on by the Macys Representative. No one could tell me why this keeps happening. No one could tell me when I will receive the Macys Card. Since your calls are recorded for quality assurance, please review all of the calls I placed between Sunday XX/XX/XXXX and Monday, XX/XX/. This has been very frustrating and I cant seem to get information and good customer service. How do I receive a bill before I even receive my card? The bill still says {$500.00} credit limit. I did receive a denial letter in the mail from Macys for a Macys American Express Card that I never applied for. I have only ever applied for the Macys Sore Card which I still have yet to receive and the credit limit per the bill has not been adjusted.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77089
Submitted Via: Web
Date Sent: 2023-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-17
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I tried to wire transfer {$25000.00} to my XXXX XXXX ( XXXX ) account in XXXX from my CitiBank account in the USA on XXXX XX/XX/2023. I called Citibank when I was unable to log into my account, spoke to a representative and they corrected the problem and was told to resubmit the wire transfer form. On XXXX XXXX XXXX they denied access to my account again so I called a second time only find out that they were closing my account do to suspected fraud after I was told by their Fraud Department that everything was good.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 338XX
Submitted Via: Web
Date Sent: 2023-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-17
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I applied and obtained a Citibank XXXX XXXX credit card. I saw that there is a cash advance feature on the card which I wanted to use ; however, when I called Citibank 's customer service number I was told that I had to be " verified. '' The agent tried sending me a text message with a code in order to verify me but the Citibank system did not allow her to send the code through. I was asked if the phone number had been recently issued or ported from another carrier, I said no, I had that number for a long time. She then asked for an alternate number, which I ( and most people ) don't have, then she asked for a different account which I felt very uncomfortable providing. I asked to speak with a supervisor and got disconnected yesterday. I decided to call today to follow up with a supervisor as one of the agents said there was a " risk flag '' on my account. I went through the whole process again and this time I provided an alternate account number from another bank to supervisor XXXX. She still could not verify me despite Citibank having all my personal information and a banking relationship spanning more than 10 years! I even offered to go to a branch to verify my identity and was told the branch would have to call in for verification. She also could not provide me details of the " risk flag '' because I was not verified. Frustrated, I asked to cancel the credit card which she refused to do because I was not verified. I told her I did not want this credit card on my credit report/history and she said that there is nothing she could do until I was verified through a letter in the mail. This is unacceptable for the following reasons : 1. If an account is flagged as a risk, wouldn't it be better for the bank to cancel it? Especially if the customer does not want to continue the relationship with the bank? 2. There has to be a penalty for a bank that does not know its customer or refuses to cross reference known banking information to facilitate knowing its customer. ( i.e. use the long standing retail banking relationship details to identify and verify its customers when available. They use it to cross promote products, why not use the information to facilitate customer service? ). 3. If a customer requests a credit line cancellation it has to be granted whether the customer has been verified or not. Worst case, the customer can re-apply for the credit line. I understand underwriting guidelines for risk management may change, but a customer 's request to cancel the credit line is the customer 's refusal to abide by the new underwriting standards therefore the request needs to be granted immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-17
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 someone use my Citi The Home Depot account and make some purchase I did notice and place a claim, without the proper authorization The Home Depot mail to my home address a new replacement card and they did not take the appropriate precaution and mail the replacement card already active, due to that someone went I did three purchase with the following amounts. XX/XX/2023 {$1000.00} XX/XX/2023 {$440.00} and XX/XX/2023 {$250.00} those stores was in the east side of the XXXX XXXX XXXX a store that I had never ever visit to do my purchase, I did claim that those transaction were not my and frauded transaction and they continue saying that I am responsible. They told to send a letter complaining and I did in XX/XX/2023 and still has not receive any response. See letter and all the documentation on which I think is not fair to make me pay for something that I am not responsible in matter fact the credit card arrive in XXXX XXXX XXXX an those transaction were make a week before. See all documentation that I sent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PR
Zip: 00751
Submitted Via: Web
Date Sent: 2023-04-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-17
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: I have had my Citi card for over 5 years and have never had a late payment of 30 days or more. In fact, i have never had any of my bills go 30 days late, this is verified on my credit report. My current credit utilization is at an all time high as I am attempting to sell a house and the costs associated with this process have gone well over budget. I was planning the purchase of a lawn mower so on XX/XX/2023, I paid {$600.00} on my Citi card to free up the funds and earn the double cash back rewards. The very next day, XX/XX/2023, after I paid the money, Citi decreased my Credit limit from, i believe {$800.00} down to {$300.00}, citing random credit checks to deem worthiness. They sent an email that I did not see and was left looking extremely embarrassed at the register in front of a store full of people. The first time I called, i thought I was being transferred to someone who could help me. Instead I found myself on talking to someone from XXXX who was as confused as I was. I called back, only to be screamed at and then hung up on by a Citi customer service rep. The third time I called, I was finally able to get to a supervisor who was unapologetic and cited fine print in the card agreement. I simply find the timing of all this extremely suspicious. They randomly pulled my credit file as soon as I paid {$600.00}? Then, with no warning at all, drop my credit limit and send an email that was buried amongst many in my inbox. Had they been waiting to decrease my limit for some time now but couldn't as it would put me over my limit through no fault of my own? This practice appears very unscrupulous. My credit has been impacted by identity theft with accounts and hard inquiries being opened in my name, in addition to the aforementioned credit usage to sell a house. They were apathetic and unsympathetic to my situation, so I am filing a complaint and requesting a review of the handling of my account. I appreciate any and all assistance in this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21158
Submitted Via: Web
Date Sent: 2023-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-17
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I opened a high yield savings account with Citibank online banking in mid XX/XX/XXXX. I made several deposits into the account quickly therea! er. I received a phone call from their fraud prevention department to confirm my identity which I did and I was able to continue with my account. Then, on XX/XX/XXXX I attempted to make a wire transfer from my Citibank account into another bank account, it was denied and I received an error code XXXX stating I was not allowed to proceed due to security reasons. I tried to make an instant transfer of less funds back to the my original bank account where deposits were made to fund the citi account, but again was met with the same error message. I called customer service on XX/XX/XXXX and was told that it was a maintenance issue and to try again the next day. I attempted the transfers again on XX/XX/XXXX and again had the same error message. I called customer service and was routed through XXXX di '' erent customer service representatives who all had di '' erent stories as to why I could not complete the transfer. It ended with the fraud department trying to verify my identity yet again to which they then stated they were unable to verify my identity, even though this verification had previously been completed in order for me to fund the account in the first place. I then spoke to a supervisor who stated the only way to verify my identity would be to wait for a letter. I submitted a complaint for this and then on XX/XX/XXXX I received a call from XXXX stating they were the fraud department, verified my account and then unlocked it. They assured me I would be able to make a transfer. I then initiated a wire transfer for {$8400.00} from Citibank to my other bank account and I got an email on XX/XX/XXXX that it was denied and they needed additional info. I called on XX/XX/XXXX and spoke to XXXX from customer service who then transferred me to XXXX from the security team. He stated the transfer was denied and I would have to try again. I then initiated the transfer again and again was sent an email on XX/XX/XXXX that it was denied. I called again on XX/XX/XXXX and spoke to XXXX who stated the transfer would be completed by the end of the business day. The transfer still shows as pending. I called today XX/XX/XXXX and spoke with XXXX who kept asking questions to verify my account and then proceeded to tell me she would be disconnecting the call and hung up on me. I have been recording all of my conversations since XX/XX/XXXX with them. I just want to transfer my money and close this account. Dealing with Citibank has been an absolute nightmare! This is theft!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77581
Submitted Via: Web
Date Sent: 2023-04-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A