Date Received: 2023-03-30
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX, someone fraudulently withdrew {$1000.00} from my citi bank checking account. The person who did this, who is a stranger to me, distracted me while I was performing a withdrawal. I left the bank and went to a store and searched for my debit card and could not find it. When I checked my account, someone had withdrawn {$1000.00} from my account. I disputed this transaction 3 times already with my bank and they refuse to conduct a proper investigation and refuse to refund me my money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11219
Submitted Via: Web
Date Sent: 2023-03-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-29
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On XX/XX/2023, I tried to pay the balance of my Best Buy/Citibank credit card. However, the Citibank payment system did not allow me to log in. I went back online on XXXX XXXX XXXX, and paid the entirety of my balance ( approximately USD XXXX ). HOWEVER, next month Citibank sent me a statement with a USD XXXX late fee penalty. I did not pay it because I should not have to be penalized for a late payment that was only late because the bank system did not work the right way. In other words, the only reason why I did not make the payment on time was because the system put in place by the bank did not allow me to do so. Now, Citibank and BestBuy have added an extra amount to the penalty, that now totalizes around USD XXXX. I called BestBuy/Citibank call center XXXX and they refused to cancel all the charges. They still intend to penalize me with XXXX USD. This is the closest thing to robbery I have ever seen. I could not pay because of their defective payment system, and they go ahead and unilaterally impose a penalty for the late payment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98059
Submitted Via: Web
Date Sent: 2023-03-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-29
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I have already filed complaint XXXX with CFPB and Citi promised to resolve this issue with me- to deposit {$2000.00} in my account. I sent them the W-9 they requested - TWICE and thought the funds were in my account and closed the account. Later I discovered that the funds were never posted to the account. Now Citi is stating that the W-9 needed to get " certified '' whatever that means. I don't know why this was not all done when I first opened the account. Citi needs to allow me to reopen the acct and then deposit the money they owe me. Please see complaint XXXX for full details.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: RI
Zip: 02889
Submitted Via: Web
Date Sent: 2023-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-29
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: CBNA/XXXX XX/XX/2021 The inquiries on my credit report auras are XXXX, XXXX, XXXX XXXX XXXX not unauthorized report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60619
Submitted Via: Web
Date Sent: 2023-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-29
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: account was opened in my name and bank refuse to remove my name and social from the account with debit.. This account Identify Theft This account was open when I was in the hospital I never apply or use the card XXXX XXXX Account number XXXX .... Recent balance {$1500.00} as of XX/XX/XXXX Date opened XX/XX/XXXX XXXX Account charged off. {$1500.00} written off. {$1200.00} past due as of XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34771
Submitted Via: Web
Date Sent: 2023-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-03
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I opened my Savings account with Citibank. I was trying to view my account number in order to transfer some of the money from my savings account. When i logged in citibank online on XXXX XXXX, XXXX to view the account number it asked me to call the helpline number for a verification code. I called the helpline number but the agent denied to send a verification code on my mobile because i switched from XXXX XXXX XXXX to XXXX few days back even though my mobile number is same. I even talked to the supervisor and asked them to use my email address or any other authentication they need to verify. But they were just not ready to help. Citibank never provided my account number or any other document via mail before so now i am stuck with my money in the account and not able to transfer the money where i need. I have relationship with XXXX XXXX and XXXX but I have never seen them hiding the account details on the online account. Please help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 19808
Submitted Via: Web
Date Sent: 2023-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-02
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I've been getting notice from Exxon card through Citibank that my payment was due. So I'd get on my account and pay direct from my bank. I was setup for autopay but assumed if payment had been made it wouldn't be taken out again. On their FAQ sheet it specifically states that if you make a payment and then autopay is withdrawn, the account will be credited. I see I've been double charged for XXXX a {$140.00} on XX/XX/XXXX, then autopay of {$130.00} on XXXX XXXX {$60.00} on XX/XX/XXXX then autopay of {$60.00} on XXXX XXXX I may have been charged 4 times, {$110.00} XX/XX/XXXX, {$34.00} XX/XX/XXXX, {$33.00} XX/XX/XXXX and {$33.00} XX/XX/XXXX. I called to sort this out with an agent. I ended up getting a supervisor " XXXX '', wouldn't provide last name. I asked that my account be credited. She said she wouldn't that I need to dispute the charge. This despite being contrary to their written guidance as to overpayment supposed to be credited to account. I may well have been overcharged for previous months as well but they delete that information from their site. This nothing short of criminal.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WY
Zip: 824XX
Submitted Via: Web
Date Sent: 2023-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20743
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I was looking to open a new checking account online and chose Citibank because they were offering a bonus if you kept over $ XXXX a checking account for a few months. To be safe I kept well over that ever since I open the account last XX/XX/XXXX. Unfortunately, when I went to apply online three times in a row their website kept failing. Eventually, I got through to somebody on the phone and she said it would be no problem and she could open the account for me with that promotional code that was going on. I pulled a large sum of money out of another bank that I had and put it into Citibank immediately and did not touch it. I also set up direct deposit for a brief time since that was one of the requirements. I waited months and months and I never saw any promotional bonus added to my balance. I called Customer Service three different times and two different disputes were open, the customer representative advised me that I should have received the credit already and thank you for being patient. He would escalate this. The next person I spoke to told me that dispute was closed due to me not meeting the requirements then after reviewing it, they realized I did. They opened a second claim, and told me that they would contact me within 15 business days. No one reached out to me so I called again this past weekend, and they told me that the second dispute was closed and I did not qualify for the bonus money. The promotion was going on when I signed up or else I wouldnt have signed up and kept that much money in a regular checking account The only reason I had to do it on the phone is because their website was having an issue which they all have a greed on. I would like the hundreds of dollars that I should be promoted for oily keeping a large balance in my checking account as promised. I do not have the reference number from the first dispute but I do have the second one that I was told would be resolved. However, when I called today, they said absolutely not. This is completely wrong. Ive been very patient my last call before this weekend was on XX/XX/XXXX. Reference number citi XXXX. Their page statement : Open a new checking account in an eligible account package from XX/XX/XXXX through XX/XX/XXXX and earn a cash bonus of up to {$2000.00} after completing required activities. Simply deposit qualifying funds within 20 days of account opening and maintain your balance for an additional 60 days from the 21st day to unlock your bonus. Only New-to-Citibank checking customers can take advantage of this offer {$300000.00} OR MORE {$2000.00} {$200000.00} - {$290000.00} {$1500.00} {$75000.00} - {$190000.00} {$1000.00} {$30000.00} - {$74000.00} {$500.00} {$10000.00} - {$29000.00} {$200.00} Note : keep balance of XXXX to avoid $ XXXX monthly fee
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33487
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX ( ORIGINAL CREDITOR : DSNB MACYS ) XXXX Date Open : XX/XX/2019 Balance : {$18000.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90274
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A