Date Received: 2023-04-05
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/2023, I received an XXXX Alert that CITI Cards CBNA made a bank/credit card inquiry by checking my XXXX credit file. I did not apply for credit. I contacted XXXX and requested a fraud alert be placed on my credit report. Potential lenders are to verify my identity before granting new or additional credit. I also contacted CITI cards and they confirmed that I do not have an account with them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-05
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I keep receiving calls from mediation groups to pay off a credit card that I never owned. I am accused of having a citibank XXXX XXXX credit card from XXXX to XXXX with the card ending in XXXX. I have never owned a credit card from a citibank and never seen anything on my credit reports showing I made payments or anything. I own 2 credit cards and they are up to date. I live in Alabama and keep telling them it is not me despite them having my name, phone, address, which anyone can get if they look hard enough. I never signed anything, no contract, no agreement, not anything referring to a credit card and asked to see that. I'm told well statements are continuing to be sent, well one, I dont live where the so called statements are going, and two, so what if their statements, thats not an indication that the debt is mine. Anyone can fill out a credit card app and put my info in, not to mention the statue of limitations on credit card is 3 years. If this thing was so called opened in XXXX, it's XXXX and at some point they need to give it up that I am not paying for something I never got. Nothing has ever been put on my credit reports, all three, no collections ever since XXXX. I want them to stop bothering me and my family. They have been told and that means calling my mom too, good lord really .... They seem pretty desperate, sad actually..
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 319XX
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-05
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: Was notified by Citibank they thought a fraudulent charge was made to my XXXX on XXXX XXXX I called as requested stated I had not traveled to XXXX and did not make any purchases on the card except from XXXX which was paid off in full I provided Homeland security statement if No Travel using my passport Provided computerized county work record for the month in question showing I was at work also provided a copy of FBI report I filed They will not change their mind XXXX even tried to assist but were unable to overturn Citibanks decision The bill is now {$500.00} more that at the beginning I did not make these charges My almost perfect credit rating is declining at a very fast rate My XXXX score has dropped by XXXX points I am over XXXX XXXX XXXX I feel this is elder abuse identity theft and I feel very violated by Citibank Please help
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 891XX
Submitted Via: Web
Date Sent: 2023-04-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-05
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/XXXX XXXX was transferred from XXXX XXXX to citi bank On XX/XX/XXXX XXXX was transferred from XXXX XXXX to citi bank to take advantage of high yield savings account. On XX/XX/XXXX I received an email from citi bank that my account had been closed : 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. As a result, your Citi ( R ) Accelerate Savings account and any other Citi accounts you have will be closed within 60 days of the date of this communication. All of your accounts are now restricted from receiving deposits or credits, effective immediately. With your account closing, please remember to : Make sure that the address we have on file is correct- we will send any funds belonging to you to this address, once the account is closed. I called and they were unable to provide any information except that large transfers sometimes triggers and automatic account closure. They said I should file a reversal with my XXXX XXXX XXXX or wait 60 days. I filed a reversal with XXXX XXXX and they said because the funds were intentionally sent that I would have to wait and deal with citi bank. On XX/XX/XXXX, I contacted citi bank to ensure that funds would be issued promptly and they said they would take 5-7 days to issue a check and they had the correct address. On XXXX I still had not received a check so I contacted them to see what was going on and was told they would not issue my funds back to me and that XXXX XXXX needed to request the return of these funds and that no check would be mailed. XXXX XXXX told me they had already completed this process and that it was not their responsibility and that I should take it up with Citi bank to get my funds returned. Now nobody at citi bank will give me additional information on how to get my funds back and XXXX XXXX has said they have done all they can do. This is a large amount of money for me and I need access to these funds. I'm also currently not working due to recovering from XXXX from XXXX XXXX XXXXXXXX and this is threatening the financial security of my family.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32250
Submitted Via: Web
Date Sent: 2023-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-05
Issue: Fraud or scam
Subissue:
Consumer Complaint: XXXX text received asking if I used my debit card to purchase {$500.00} at XXXX XXXX. Texted back no, then received cell phone call from Citibank, which I now know was a fraudulent call. The fraudulent person represented themself as a Citibank employee and was helping reverse {$500.00} debit purchase. While doing so, I received text messages about XXXX amounts, XXXX in total that came up to {$14000.00}, and the Citibank employee said they could help reverse these by having me XXXX back the funds. When the Citibank employee took me through the process, I saw my name as the person I was sending the funds to, however I later learned it was not to me, it was to the scammer. The fraudulent person also was able to open XXXX additional checking accounts and move {$15000.00} from my savings into the XXXX checking accounts, then apply for a personal loan. All were never authorized by me and all was done under the pretenses that I was talking to a Citibank employee who was helping me recover what I thought was fraudulent XXXX transactions. Now I can see all was fraud and I contacted Citibank the same date as the fraud, XXXX. Citibank is refusing to see this as fraud, and denied all XXXX ( XXXX ) disputes. I believe I am covered under the Electronic Fund Transfer Act, and Regulation EXXXX I was tricked and scammed and Citibank was negligent in alerting me that XXXX checking accounts were opened and savings was moved all without my authorization. And the movement of money through XXXX was under fraudulent pretenses because I believed I was resending the money back to myself.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91387
Submitted Via: Web
Date Sent: 2023-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-05
Issue: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: Citibank illegally sold my information to a third party who has sued me without my knowledge and now says I owe the third party. Under the The doctrine of privity of contract is a common law principle which provides that a contract can not confer rights or impose obligations upon anyone who is not a party to that contract. [ 1 ] It is related to, but distinct from, the doctrine of consideration, according to which a promise is legally enforceable only if valid consideration has been provided for it, and a plaintiff is legally entitled to enforce such a promise only if he is a promisee from whom the consideration has moved. [ 2 ] A principal consequence of the doctrine of privity is that, at common law, a third party generally has no right to enforce a contract to which he is not a party, even where that contract was entered into by the contracting parties specifically for his benefit and with a common intention among all of them that he should be able to enforce it. In XXXX & XXXX and XXXX XXXX, the doctrine has been substantially weakened by the Contracts ( Rights of Third Parties ) Act 1999, which created a statutory exception to privity, providing, in certain circumstances, third parties the right to enforce terms of contracts to which they are not privy.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93446
Submitted Via: Web
Date Sent: 2023-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-05
Issue: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: Citibank has sold my information to a third party without my express written consent. The doctrine of privity of contract is a common law principle which provides that a contract can not confer rights or impose obligations upon anyone who is not a party to that contract. [ 1 ] It is related to, but distinct from, the doctrine of consideration, according to which a promise is legally enforceable only if valid consideration has been provided for it, and a plaintiff is legally entitled to enforce such a promise only if he is a promisee from whom the consideration has moved. [ 2 ] A principal consequence of the doctrine of privity is that, at common law, a third party generally has no right to enforce a contract to which he is not a party, even where that contract was entered into by the contracting parties specifically for his benefit and with a common intention among all of them that he should be able to enforce it. In XXXX & XXXX and XXXX XXXX, the doctrine has been substantially weakened by the Contracts ( Rights of Third Parties ) Act 1999, which created a statutory exception to privity, providing, in certain circumstances, third parties the right to enforce terms of contracts to which they are not privy.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93446
Submitted Via: Web
Date Sent: 2023-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-05
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/XXXX, I attempted a {$50000.00} transfer to my Citibank savings account to open the account from XXXX Bank after verification of the linked accounts. Citibank continued to email requesting a transfer for the account so I contacted Citibank XX/XX/XXXX to understand why the funds and account were not showing. Citibank informed me that they closed the account due to fraud as the transfer came from a joint account and that they would hold my funds until the account was closed. Since that time, I've been told that 1 ) they can not release the funds to me because it was a joint account and fraudulent funds, 2 ) to contact ally to initiate a transfer back ( which they can not do from a closed account ), and 3 ) that protocol is being followed over and over despite no one being able to tell me where my funds are or how to retrieve them. I have been transferred no less than a dozen times to multiple departments, placed on hold repeatedly because no one I've spoken to actually has the knowledge to handle a matter like this and I have been told there are no supervisors to speak to. This is unconscionable behavior by Citibank and no one should have to experience this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85029
Submitted Via: Web
Date Sent: 2023-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-04
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Approximately XXXX of XXXX, I had my identity stolen. I contacted XXXX XXXX XXXX of this matter. There were over XXXX dollars worth of transaction made on this card ending # XXXX. I recieved a notice date XXXX that this account was closed and was not responsible for any of these. ( Charges prior to this situation I did pay. ) However, I recieved a new notice with a different card number. On XX/XX/2022 case # XXXX, I spoke with the security department and they closed out my card since I did not authorize a new card and I did receive a notice from them stating I was not responsible for this charges. A few months later I received a billing statement with these same charges but under a new account number which I never re-open an account. I called again explaining the situation with an account supervisor which she assured me it was closed. Again, it was switch to a different account without my permission. The supervisor in the security fraud department that my account was flagged as non ownership instead fraudulent charges. A year or more as gone by and now this unauthorize charges with an unauthorized new account is now in collections and the security department at XXXX XXXX is stating now I own this account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 063XX
Submitted Via: Web
Date Sent: 2023-05-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-04
Issue: Opening an account
Subissue: Confusing or missing disclosures
Consumer Complaint: On XX/XX/2023, I opened a savings account which had a promotion. I asked the company both by phone & by chat for copies of the Client Manual, Marketplace Addendum, Rate Disclosure Sheet, Fact Sheet for Personal Information, & the Access Account Package for the account which I had just opened online. I was told that I was not entitled to these documents. I continued to complain the following day, that I was entitled to access these documents. I was told repetitively that I could not read online or see these documents. Finally a supervisor did send me copies of the documents that I was requesting. I also had googled these documents, & found them online with no help from the company. Then after reading the documents, on XX/XX/2023 as was stated in the banks Client Manual-pages XXXX I mailed my Notice to the company to " opt out '' of the Arbitration Provision. The company only allows this within 45 days of opening an account. So I also requested confirmation of receipt from the company in my Notice letter. After a couple of weeks, I did not receive any confirmation. So I called the company again. I was told to wait longer. I told them that this was time sensitive. I continued to call, & finally was able to speak to a supervisor who suggested that I mail another letter. I opened a checking account with a different promotion, on XX/XX/2023. I also mailed a new Notice for " opt out '' of Arbitration for both accounts, with dates of opening, account numbers, my name, address, email, full explanation + signature. Yet as of XX/XX/2023 the company denies receipt of any documentation sent from me. I have escalated this issue twice & I was given some numbers to confirm that I had called. But I was told today by another supervisor, that there is no record that I've ever called about this issue. So, on XX/XX/2023 I filed a formal complaint over the issue with the company. I was given a case #. But since no one has reached out to me with the other 2 escalations, or even documented my calls, I really don't expect to hear from them. I am filing this complaint with the CFPB. I do plan to mail yet another Notice of " opt out '' of Arbitration. Only this time I will spend the extra money to have the letter tracked and signed for, when received. And after all of this, if the company does not acknowledge my Notice, then I will close out my accounts. Any bank that goes to this much trouble to hide information, as well as misplace documents has no business handling funds of any kind. They can't be trusted. I have wasted countless hours on the phone to customer service people who have no idea of even what Arbitration is. I did not expect this at the supervisor level.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NE
Zip: 683XX
Submitted Via: Web
Date Sent: 2023-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A