Date Received: 2023-03-31
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I received an alert from XXXX XXXX and XXXX XXXX that a new account had been opened on my credit report. I proceeded to call Macys and ask them to look into it and close the card. They checked into it and said I didnt have an account open but its still showing up on my credit report saying I do the {$200.00} limit Macys, Citibank , and a card. They refused to close the card out because they said they couldnt find one and its still on my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-31
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Citi Reference Number : XXXX I have been a CITIBANK credit card customer since 2021, I decided to open an ONLINE checking account for my new employer. Everything was perfect and right after my first deposit ( {$190.00} ) which the bank requires upon account opening, CITIBANK BLOCKED MY ACCOUNT AND THEN CITIBANK CLOSED THE BLOCKED ACCOUNT AFTER OPENING/DEPOSITS for no reason, holding my money and preventing me to withdraw it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07036
Submitted Via: Web
Date Sent: 2023-04-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-31
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/2022, I tried to order a XXXX XXXX XXXX ( {$1100.00} ) on XXXX. My Citi Visa flagged the purchase as a fraudulent purchase, and declined the transaction. I called Citi Visa and had them remove the flag, and Citi Visa then ran the transaction. Meanwhile, the XXXX order had timed out and XXXX had automatically cancelled the order - but the Citi Visa transaction did NOT cancel, which I did not know until I received my statement in XXXX. On XX/XX/2022, I contacted XXXX XXXX XXXX and they confirmed they did not receive the payment and only had a cancelled order. So, I submitted a new purchase for the same product ( {$1000.00} ) on XX/XX/2022. In late XX/XX/2022, my bill reflected two transactions to XXXX XXXX XXXX. I contacted Citi Visa and requested a refund for the original order of {$1100.00}, which had been cancelled. They issued me a credit, and stated they would investigate the issue. They stated they would let us know if additional information was needed. On XX/XX/2022, Citi Visa provided a form for me to fill out, which we submitted with supporting documentation on XX/XX/2022. On XX/XX/2022, Citi Visa denied the dispute ( XXXX ), claiming that there was not enough information in my dispute, and they closed my dispute and rebilled my account with fees and interest charges. This notification only appeared in my on-line account, so I was unaware the dispute had been closed until I noticed the charges reappear in late XXXX when I received the XXXX statement. We immediately contacted Citi Visa, and we were told that the Citi Visa fraud department would have to reopen the dispute. We also explained that we do not have additional information, and that the issue was caused by Citi and must be resolved by Citi. We have now been through a series of dead ends trying to get someone in the Citi Visa fraud department to look at the case, Citi Visa now claims that 180 days has expired so they can't look at this case.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35801
Submitted Via: Web
Date Sent: 2023-03-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-31
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: i had a credit card account with tractor supply back in XXXX, due to hospitalization it went to collections, and I paid it off in full. in XXXX of XXXX I wrote Citi a letter explaining my circumstances and asking them if they could remove the bad debt in good faith. Not only did they not remove the debt, they changed my date to the day i asked for a good faith removal to XXXX XXXX making it look like a recent bad debt. this has caused me to be denied loans and credit cards.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 310XX
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-31
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I opened an account with Citi Bank last week. I was told to fund the account within 21 days. Today, I decided to fund the account via a zelle transfer. I transfered {$1000.00} into the citi account. The XXXX was successful & everything was okay. Then after about 30 minutes or so, my access to my own account was blocked & when I tried calling citi, they said my account had been blocked & the only way to unblock it was to wait 7-10 business days until a physical letter comes to my mail & I give them a reference code to unblock the account. I transferred all i had into this account & now I am unable to access my own hard earned money. Rent is due on the XXXX of XXXX & I will not be able to pay within my own money because of this. Please help me get my own money back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 088XX
Submitted Via: Web
Date Sent: 2023-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-30
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I recently opened my account in early XXXX of XXXX I had to place money in the account to ensure the opening of the account so that I could receive my tax return upon receiving it I made a few purchases and I got up running late to get my Daughter to school I then realized I did to have my debit card I send my godmother some money for my purchases I went home and looked for my card and couldn't find it I then called Citi Bank they kept telling me that I made transactions at the location several times and have been for a couple of years i asked them how when i just opened my account he got really rude i have been filing dispute after dispute and I keep being told the same thing now as of recent my exhusand sent some money for our children through XXXX and it says received but its not in my accounnt
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 464XX
Submitted Via: Web
Date Sent: 2023-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-30
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Opened new Citi bank account in XX/XX/XXXX and do the following to get XXXX miles. Spend the required minimum amount on qualifying purchases using your Citibank XXXX or ATM XXXX. Qualifying purchases must post to the new Eligible Checking Account within 60 days of account opening. * Perform 1 or more qualifying bill payments for 2 consecutive calendar months within 60 days from account opening. Qualifying Bill Payments must post to the new Eligible Checking Account each month for two consecutive calendar months. * Citi Priority account spend {$750.00} I contacted them via Citi bank chat XX/XX/XXXX and they said I had to wait till XXXX for everything to post. I called in XXXX and they gave me the same run around. XXXX XXXX called them and they looked through account and said they would open a dispute and would hear from someone within the week. XXXX ref # creating a dispute- should have had the miles by XXXX, XXXX. By XX/XX/XXXX still no response called again. They claim I didn't spend the required amount within the 60 days. They said the cut off date was XX/XX/XXXX and my purchase was XX/XX/XXXX and they are not honoring it because I was short {$8.00}. In addition it took me multiple weeks to even get my debit card and even more time to get it activated when I first got it so I couldn't even start making purchases till mid XXXX. The welcome email was not even sent to me till XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-30
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I had recently been trying to fix my debt after a year of consolation. During such year I settled 4 credit accounts, was sued by 1 and pending another law suit from another. The current company XXXX XXXX XXXX ( XXXX ), has picked up two of my debts from seperate entities. One of which has sued me. On XX/XX/XXXX after receiving mail communications, I finally spoke to a representative and set up two payment plans to settle these debts. One plan is $ XXXX, the other $ XXXX. These payments are recurring as an ACH from my bank account. I have missed a few already due to finances. I had told the company things were tight. Well, now they call me 2,3 and 4 times a day. They call from different phone numbers, until recently they have added " unknown '' as the caller ID. They leave the same message, " this is so and so with such and such company, please contact us ''. I have no reason to contact them, nor them me. I have an account I can log into. They have my address to write too. Payment plan is still active. This all begins aXXXX XXXX XXXX.and doesn't stop until late afternoon. All the meanwhile my account is still being paid out of when money permits. I gave them a specific date to withdraw the funds and it has not been an issue. Only upon missed payment, yet debits again the following month. I am tired of these harassing phone calls. I can't even call out due to so many calls coming in. It it as least every hour they call. I do believe it goes against fair practices and it is harassment. I've already been sued by the one debt. I did the right thing and am doing my best. To be bullied into getting more money when my ends don't meet is ridiculous.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93401
Submitted Via: Web
Date Sent: 2023-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-30
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I have spent 12+ months do not have dates or times except XXXX thru XXXX Citi bank allowed a XXXX fraudulent withdrawl to come out of my bank account. I reported the fraud to my bank Citi. I have filed complaints and tried at least 22 times to get an answer from Citi on where we are in the investigation what can be done to make sure my account is in good standing. Because someone has gotten in my account they will not talk to me stating that my security words are wrong and that my information does not match. So no one will speak to me. I have tried to get my info to be honest I am at a loss why a bank would not file a fraud form and make sure my account did not close or protect their customers from having a closed account I will never know. I also requested they file a fraud form due to the fraud on my account. They hung up on me. I have been trying to resolve this issue and then the bank reported with an amount which was the amount frauded from my account on XXXX. So now I can't even go with another financial institue. What can be done please help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: 670XX
Submitted Via: Web
Date Sent: 2023-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-30
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In XXXX of XXXX I purchased earrings for my daughter 's XXXX birthday from a Macy 's department store in XXXX, Oklahoma. When I did not receive a bill from Macy 's I sent them a check on XX/XX/XXXX for the entire purchase price of {$170.00} which they received and deposited three days later on XX/XX/XXXX. I have copies front and back of the check proving Macy 's received the check and deposited it. They never credited my account. I spent literally hours on the telephone with Macy 's explaining and providing copies of the cashed check. They would not listen but turned the account over for collection to XXXX XXXX XXXX XXXX based in XXXX, Florida. I again spent hours on the phone with different representatives of XXXX XXXX and sent them copies of the cancelled check front and back with no success. Throughout the process Macy 's continued to add interest and late fees. Eventually negative information was shared with all three credit bureaus and my credit was and continues to be severely damaged. I filed a dispute of the negative information from Macy 's with XXXX on XX/XX/XXXX but never received a response from XXXX. I spent nearly an hour on the phone with XXXX today with no benefit other than being cut off after speaking with two representatives. I am am retired XXXX XXXX XXXX XXXX XXXX XXXX. It was never a question of my ability to pay. I paid on time and in full though I had not yet received a bill from Macy 's. Though I live out of the country my credit is important to me. I need to get this travesty straightened out and will do whatever I need to do towards that goal. My email is XXXX. My telephone is XXXX XXXX XXXX. Thank you in advance for your time and attention.
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: 2023-05-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A