Date Received: 2024-02-07
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Opened Credit card with Citi Bank in XXXX of XXXX and last time I had access to the account was XX/XX/XXXX which at that time my credit limit was {$2700.00} dollars and only had used {$700.00} dollars of it. I have not had any access to this account since XXXX of XXXX. Found out in XXXX of XXXX that my identity was stolen and someone had used all my credit cards and got loans in my name without my knowledge or permission. Citi is saying that I owe over {$5000.00} dollars which is inaccurate cause my credit limit was only {$2700.00} dollars. According to documents I have received from Citi of statement history I pointed out to them that I never asked for a balance increase nor did I ever do a balance transfer. I have disputed this with the company and credit bureau multiple times to get this resolved but to no avail.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28270
Submitted Via: Web
Date Sent: 2024-02-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-07
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I had a CD opened with Citibank which matured in XXXX and I closed it on XX/XX/2023 and asked Citibank to issue me the check. Till date Citibank has refused to issue me the check even after multiple reminders. I have called numerous ( atleast 8 times ) times and also send them letters requesting them to repatriate my money, however they keep telling me that they will look into the issue without doing anything about it. Also, their customer support gives me conflicting information- on some day they would say that the check would be issued via overnight courier, and on other days they would tell me that there is a problem in their backend system. The outcome would remain the same and no check would ever get issued by them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98029
Submitted Via: Web
Date Sent: 2024-02-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-07
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: {$8500.00} from checking 2 months ago will not give me money back and ruined my life, citibank
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33133
Submitted Via: Web
Date Sent: 2024-02-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-07
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: My problem is with Macys credit card. . On XX/XX/XXXX I discovered fraudulent charges on my Macys Credit Card. . I called and reported to Macys and identified 13 fraudulent charges which they said they would remove from my card. In XXXX I started getting calls from Macys Credit dept so I checked and Macys had remove 12 charges but overlooked one charge. This charge was almost identical to another charge at the same store on a different date that had been removed. . After many many calls to Macys they agreed 7 different times to handle the item, but the calls Macys continued. They said the case was under investigation. . On XXXX XXXX, XXXX my bank informed me that my credit score had dropped XXXX points upon checking Macys had reported me delinquent on my account. On XX/XX/XXXX XXXX called me and said they resolved the charges and I now have a {$23.00} credit balance. But they could do nothing about my damaged credit score as the case was still under investigation. . On XX/XX/XXXX my bank informed me that my XXXX XXXX had dropped another XXXX points. Investigating I found on XX/XX/XXXX XXXX had made a request for a hard credit report resulting in the 9 points reduction. I did not know or approve this request I was not requesting credit or a loan. I had a credit amount on my Macys card They owed me money What was their reason for requesting a hard credit report other than harassing me. I have a big financial deal working and my finances are very reluctant to continue with a total credit report drop of XXXX points. This is going to result in significant reprucessions to me and my business opportunities. In early XXXX I informed Macys that I believed they inadvertently missed one charge. In many many calls to Macys over the past XXXX weeks I have only spoken to one person out of about 40 whose native language is XXXX. It is difficult to understand many and I had the feeling many did not understand me. . I have had a hard wired telephone in my house and home since I was XXXX XXXX XXXX. Due to the harassing XXXX 's calls to collect a debt I am canceling my phone to avoid the harassment. I consider myself a hard working professional person with an extremely good credit rating. Now this is all ruined by Macys and their broken systems, flawed procedures and improperly trained personnel. They do not care a bit about the little people in the world. They can not correct their problems or restore my lost credit worthiness that the destroy for no good acceptable reason.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 339XX
Submitted Via: Web
Date Sent: 2024-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-07
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I stopped being able to access my citibank account since 3-4 days ago. I called citibank and they said they will need to verify my information. I gave them all information correctly but they said that " the phone number i'm calling is not verifiable '', and immediately hang up. I didn't even get the chance to ask what should be alternative options to verify my identity and get back my access to my account. I'm clearly calling from the phone number on file, and they also acknowledged it, but they hang up immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10027
Submitted Via: Web
Date Sent: 2024-02-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-07
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: This letter concerns the response received from Citibank dated XX/XX/XXXX regarding the security/bond with the attached coupon/statement, properly endorsed, stamped and signed, held by XXXX XXXX/PRINCIPAL. The instrument bears a restrictive endorsement, rendering it non-negotiable and payable solely to the benefit of the principal. I am writing to formally dispute the recent decrease in my credit limit and subsequent closure of my credit card account, effective immediately. This action not only violates established consumer protection laws but also contradicts your own disclosures, causing significant harm to my credit score and financial well being. Violations of Credit Card Act and Citibank Prospectus : 1. 45 Day Notice : Your action directly contravenes the Credit Card Act and your own prospectus, which explicitly require a 45 day written notice prior to any adverse action, including credit limit reductions and account closures. I didn't receive such notice, violating my rights and rendering your action invalid. 2. Cancelation Right : As per the Credit Card Act, I have the right to cancel my account in its entirety before the changes take effect if I disagree with them. You denied me this right by abruptly closing the account without prior notice. Violation of Securities Laws : 1. Asset Backed Security : My credit card account constitutes an asset backed security as defined by 260.1 1b-6 and Section 311 ( b ) ( 6 ) of the Securities Exchange Act of 1934. As an investor in this security, I hold obligations issued by the issuing entity, entitling me to specific rights and protections. 2. Dodd Frank Wall Street Reform and Consumer Protection Act : Section 941 ( b ) of the act further grants me, as the credit card applicant and originator, specific consumer protection rights in relation to this account. The closure of my account without due process and transparency directly violates these rights. Also, according to the Equal Credit Opportunity Act, adverse action against a consumer is against the law which is codified in 15 USC 1691c and is pursuant to civil liability under 15 USC 1692k. Citibank is also in violation of 15 USC 1642, 15 USC 1681, and 12 CFR 1002 because I, the consumer, made an application in good faith and I have received no benefit. It appears my asset ( credit application/contract ) is being traded on the secondary market utilizing cusip number XXXX. Where is the benefit to me as a silent investor?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28227
Submitted Via: Web
Date Sent: 2024-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-07
Issue: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: On XX/XX/2024, ( pretty sure of date ) I received an email that new cards were being mailed and our mailing address was changed. I called Citi ( the credit card company involved ) and asked what address the cards were being sent to. They could not tell me for privacy concerns, but they did cancel my card at my request and said they would issue a new card. Before they cancelled my online account, I logged in with username and password and checked my address. Sure enough a new mailing address had been added ( XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, NY XXXX ) though the account address remained my address in the central part of the XXXX. Before I could delete the NY address, I needed a verification code by text ( or email ). I entered the verification code and deleted the NY address. I then called Citi back and asked how the address was added ; didn't whoever added the address and requested cards have to be able to answer to my email and/or cell phone number. I was told scammers are very clever. I asked for and was given another number for the investigational team. They did not handle this type of question and referred me to the fraud department which, you guessed it, referred me back to the customer service department. We received our new cards today, XX/XX/2024. After I activated the new card, I called the fraud investigation team number and was told they only investigate charges that I report were not mine. I asked who could tell me how someone could request new cards and go through the verification process I have to go through and was told they do not handle that type of thing. I asked who did and how to determine how this happened. No answer was given and I'm sick to death of hearing apologies for any inconvenience. If Citi does nothing about this type of thing, it seems to me they are not doing their job. It seems as though they may have some internal problems and thus no one looks at fraud problems. If this isn't something they look at, they should! Thank you for any help you can offer. PS. I contacted a PI to check into this address. He suggested I contact you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 719XX
Submitted Via: Web
Date Sent: 2024-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On XX/XX/2023 I sent a letter to XXXX XXXX to remove an alleged account from my consumer report that was the product of identity theft. I have not received a response nor has XXXX XXXX complied with my request which has been more than 30 days and is in violation of 15 U.S.Code 1681i ( 6 ) ( A ) and 15 U.S.Code 1681i ( a ) ( 1 ). Attached is the letter that was mailed on XX/XX/2023 and an updated FTC identity theft report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90047
Submitted Via: Web
Date Sent: 2024-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-07
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I have a checking account with Citibank in which I have had my direct deposit linked to since XXXX XXXX XXXX, and use on a regular basis. On XX/XX/XXXX I deposited a check issued by the IRS in the amount of {$3700.00} using the mobile check deposit feature on my Citibank account. A few days later, I tried to log into my account and it was locked. I called the number on the back of my card and after verifying my account, they transferred me to the fraud department where the agent stated that my account was being closed and that I could no longer use my debit card or access it. When I asked why, she said she could not tell me why and that in the account holder 's policy, states that they have the right to close my account at any time without a reason necessary. I asked when I will get the funds that I have in the account she said in 60 days they will close my account and I might be able to get a check after that for my funds but that it's up to them if they give me my money or not. I asked to speak with a supervisor and she refused. After a few days of panic, I was able to obtain a number for the Citi Executive Response Unit and reached out to them. They responded quickly but have yet to find a resolution. They asked me to supply copies of my tax document in case it helps. I did that but still can't get an answer. My utilities have given me warnings, I am a single mother of 5,1 of my children XXXX and I can't even feed them at this point. My vehicle will be repossessed in a matter of days, I don't have access to my paycheck because I went to that account. I am scared and at a loss of what to do now. i ATTACHED THEIR RESPONSE STATING THEY WILL NO LONGER RESPOND TO ANYTHING ELSE PERTAINING TO THIS MATTER. I DON'T HAVE AN ISSUE WITH THE ACCOUNT CLOSING, MY ISSUE IS THAT I NEED MY MONEY BACK.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NM
Zip: 88310
Submitted Via: Web
Date Sent: 2024-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-07
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: On XX/XX/XXXX, I opened a 1-year CD account with Citibank online . I funded the account {$25000.00} by transferring from an external account. The account matured on XX/XX/XXXX. On XX/XX/XXXX, I closed the CD account through online customer service. I was told the balance of {$26000.00} would be issued as an official check and sent to my mailing address on the file. I didn't received the check. On XX/XX/XXXX, I contacted their customer service over phone. They could not answer any of my questions, only asking me to go to a Citi branch. I went to a branch on the same day. The banker said he requested for reissuing the check and told me to wait for the check. On XX/XX/XXXX, I received a letter from Citi, saying they completed their research, reissued the check and sent to my mailing address. But again, I never received the check. On XX/XX/XXXX, I went to the same Citi branch. I was told there was not much the branch could do, since I opened and closed the CD account online. The branch manager said he escalated the issue to their back office and asked me to wait for another week. On XX/XX/XXXX, I contacted the branch manager for updates. He told me the issue had been escalated. He said there was some ongoing issue with back office closeouts of accounts issuing checks. On XX/XX/XXXX, I contacted Citi customer service over phone. They could not provide any updates or estimates about when the issue will be solved. It has been more than 2 months since I closed my account, and I still haven't received the fund. They said they would send the check by mail, but I never see any check coming. I received other letters and tax documents from Citi, so they have the correct mailing address.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2024-02-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A