Date Received: 2023-03-29
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: Somebody was stolen my information and opened credit card in XXXX company at XX/XX/2022. Amount is XXXX $
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98133
Submitted Via: Web
Date Sent: 2023-05-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-02
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I am disputing the late charge assessment and derogatory payment reporting on my account. A credit monitoring service indicates they have reported the account as delinquent. Below and attached is a history of payments made and credited. Due Date Date Paid Date credited Late charge assessed XXXX XXXX XXXX XXXX XXXX XXXX {$29.00} XX/XX/XXXX XXXX XXXX {$42.00} XX/XX/XXXX XXXX XXXX {$42.00} XXXX XXXX XXXX {$42.00} I called the institution in XXXX questioning the late charge assessment and was informed they would not be waived. Because of this I closed the account and paid off the remaining balance including the unfair lates charges of {$110.00} prior to the due date of the XXXX payment. I was accessed another late charge on that payment and continue to be assessed additional late charges each month. The last bill I received shows a delinquent balance of {$120.00} which is 3 late charges. Furthermore, and more importantly they have reported the account as delinquent due to these unjust charges.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07601
Submitted Via: Web
Date Sent: 2023-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-02
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I am a victim of Identity Theft. Have had Diamond Preferred card with Citicards for 32 years. Someone used my information and Citicards approved an account. When I learned of this, I contacted Citicards and the Customer Service Supervisor closed my account in error. Language barrier. Representatives do not understand much English. Record states it was " closed at the customer 's request ''. I did not request closure. Citicards refuses to re-open the account or provide another account. Someone at Citicards has changed the name on the account. I contacted a Customer Service Representative in the United States of America, and was told it would go to Remediation for " analysis by high level specialists '' and the account " would be re-opened or they may change cards ''. Today, I was told " The bank will not re-open the account ''.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-01
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: I have had a credit score as high as XXXX. I have been working hard to maintain my credit bureau reports; making sure that there are as few inquiries as possible. I rarely use my credit. For some terrible reason there were a number of fraudulent inquiries put on my credit report when I was in the market for a car. It took a lot or work to remove those inquiries so that in XXXX, there were only two inquiries on XXXX & XXXX on XXXX and XXXX. My credit scores were in the mid-700 range. Shortly after that in XXXX, I applied for two credit cards ; I should have been approved for both cards, but was only approved for the Citibank Mastercard. In XXXX, XXXX I decided to apply for a credit line increase so I could buy the futon. I called Citibank & was transferred to the voice activated system which told me they could handle the request w/out putting a hard inquiry on my credit reports. I hung up & called again. I decided to go through the voice activated system. I never spoke to a human. My request to increase the credit line was denied. Ten days later, I received a text message from XXXX stating they had received my request to increase my credit line and that it was denied and that was not supposed to have gone to the credit bureaus. I checked the credit report : sure enough, XXXX did a hard pull inquiry on my credit report and made the date retroactive to XXXX XXXX XXXX I called Citibank and complained vehemently. I spoke to a woman in the banking division who told me that all creditors have a form called a Letter of Deletion used to remove such things as hard pull inquiries. She took the information and promised she would forward the Letter of Deletion to the proper people to have the hard pull inquiry removed. They never removed the inquiry. I also have written two long letters to XXXX and the other credit bureaus explaining what happened asking them to remove the hard pull inquiry from Citibank and they have not. When I called the credit bureaus, I was told that Citibank is the one who has to remove the inquiry - which is actually not true ; because the live agents at XXXX, XXXX & XXXX were the ones who removed the plethora of hard inquiries when I attempted to buy a car in XXXX. Citibank has fraudulent & deceptive practices & I am extremely angry with them for lying and fouling me up as they did.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NM
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-01
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy. 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666B a creditor may not treat a payment on a credit card under an open consumer credit card plan as late to any purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33314
Submitted Via: Web
Date Sent: 2023-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-01
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: ON XX/XX/XXXX I was approved for a CitiBusiness Advantage Platinum Select Mastercard with Citibank. It was supposed to arrive 7-10 business days. On XX/XX/XXXX before I even received the card, I received a letter in the mail about a Fraud Alert. I contacted Citi and on XX/XX/XXXX and was told the fraud issue was " resolved ''. I finally received the card on XX/XX/XXXX. I opened, activated and registered the card same day attempted to use it 1 time at common, local store, XXXXXXXX XXXX, and immediately had a Fraud Alert. I contacted Citi on XX/XX/XXXX and spoke to Fraud team, it took 45 mins to verify my identity because Citi would not use my primary phone number or any other phone numbers in my home to verify me. They said they can't use the same phone number for verification more than once. However, that is my phone number and the number registered on my account. Finally a supervisor verified my information and cleared the fraud block. 15 mins later I attempted to make my second purchase, another Fraud Block. I called back in again, and the Citi Fraud team refused to verify my identity because they could not use my phone numbers to verify me. I tried my number, my wife 's number, my son 's number, my daughters number. They said their " system '' would not let them use any number and they couldn't verify me. Therefore, I couldn't use the card that literally just arrived in the mail this same day. Having gotten so frustrated after being on the phone with them for 3 hours and transferred around to 3 different departments, I wanted my account closed. They refused to close my account while I had a Fraud block on my account. I told them, they can not force me to keep an open credit account open in my name, against my will. they stated there was nothing they can do. A consumer should not have to go through this much trouble to use a card. Fraud Blocks before the card arrived, Fraud Block for every transaction attempted. I never even got a chance to use the card once before Fraud blocks triggered. American Express and XXXX are nothing like this. Citi is the worst and whatever process they use to supposedly validate a phone number needs changed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75068
Submitted Via: Web
Date Sent: 2023-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-01
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: I over paid my Citi XXXX XXXX my regular payment was XXXX I sent XXXX by mistake. I discovered my mistake before my payment was due for XX/XX/XXXX therefore I went to CITI Card requested a Refund of this amount pay regular payment of XXXX my account. Several days later I received a letter from Citi Bank informing me if I take the Refund of my payment made with MY Money I would be over the limit. Several years before doing the Pandemic my credit limit was reduced and cash withdrawal were cancelled. My card was increase by the amount of the Refund XXXX. I filed a complaint while discussing this issue with a Executive that call me about my complaint he ask didn't I ask for a loan I informed him I DID NOT ASK FOR A LOAN AFTER ALL CITI CARD TOOK THOSE RIGHTS AWAY THE YEAR BEFORE. I have never missed a payment or been late on this card. Citi Card sent misinformation to the Credit Agencies. Presently that information is still on my file reduced by Credit Score by XXXX points. How is it possible you can return a refund to me later add to my account as a loan.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 278XX
Submitted Via: Web
Date Sent: 2023-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-01
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: In XXXX of XXXX, I noticed a charge on my Citi Credit Card and subsequently file a dispute with Citibank to look into the fraudulent charges. The scammer then uploaded bogus documents, which showed a completion different address & name that is completely different than my name & my address on file. Nonetheless, the dispute was still ruled in favor of the vendor and I had tried to reopen this case for the past few years with no resolutions. There was even an affidavit signed by me on XX/XX/XXXX and there was no response since. Please see below for documentation of the interaction. I kept calling in every few months since and they have been avoiding & stalling with promises that it will be addressed but never does.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19111
Submitted Via: Web
Date Sent: 2023-04-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-01
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: multiple inquiries on credit report dropping. score unneedlessly. account opened on XXXX and inquires from different addresses continue appearing. XX/XX/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: NJ
Zip: 08330
Submitted Via: Web
Date Sent: 2023-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-01
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I closed one Citi account on XX/XX/23 due the death of my spouse, opened a new one at Citi in my own name by transferring funds on the same day, and then making a large deposit by check with new funds. Because of the size of the new deposit, my account was flagged for fraud. Citi made no attempt to reach out to me to alert me that my account was being frozen. The record of my new account disappeared from the app/online banking when I went to view it a day later, although I can still see my closed account. This should not be allowed. There should still be visibility into an account with a check pending. I have been in touch with Citi customer service on XX/XX/23 and they say there is nothing they can do to unfreeze my assets until the large check clears. That requires reaching out to the person who wrote the check to me. They should be able to segregate these issues and take the time they need to clear my large check without unfreezing my other assets. I have bills to pay, I am left with only {$11.00} in cash, and no clear timeline for settling this issue. I have a 20-year relationship with the bank, direct deposit with an excellent employer, and they still do this to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10025
Submitted Via: Web
Date Sent: 2023-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A