Date Received: 2023-03-29
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened a new checking account for {$50000.00} on XX/XX/XXXX with Citibank, obviously for advertisement which was confirmed by their staffs that I will get a promotional bonus for {$700.00} after 60 days if I could keep this balance. I had been repeatedly told and ensured that the balance means combined balance with all accounts under my name. Later on XX/XX/XXXX I was encouraged by one of their staff to transfer money from checking to CD account for 18 months so as to make more income for me and I did it. After a long time I saw no sight of promotional bonus in my account so that I went to Citibank on XX/XX/XXXX to check out. Then I was told that I was disqualified because I did not keep the balance in checking account and CD balance does not count as part of combined balance. I am XXXX years old and it sounds like a scam to me. Until now, my money has never been moved out of Citibank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91784
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: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act, CITI BANK has violated my rights. ( Address : XXXX XXXX XXXX XXXX XXXX, SD XXXX Phone Number : ( XXXX ) XXXX ) 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604A Section 2 states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B states a creditor may not treat a late payment on a credit card account under an open end consumer credit plan as a late payment for any purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 076XX
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: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: ... ... .XXXX XXXX XXXX XXXX froze or levied my account on XX/XX/23 because citi bank na used XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX execution letter delivered to XXXX XXXX XX/XX/23 to levie my account because of consumer debt that I'm not able to pay do you being on pa unemployment insurance ... ... .I have emailed XXXX XXXX XXXX XXXX serveral times letting them about exemptions on pa unemployment state and federal part and let them know about wwrs and the complaint ... ... .I 'm having absolutely no problems with first keystone that s me and my wifes joint but ... ... ... ..so it has to be XXXX XXXX XXXX XXXX and how they are handling this ... ... ..I was served by the sheriff s department today XX/XX/23 ... .. How is the bank able to levie or freeze my account on a executive letter that is against Pennsylvania and federal law to levie exempt unemployed insurance benefits... I sent a complaint to cfbp but haven't gotten a reply... I attached the order to you because is the order mis read by XXXX XXXX XXXX or do i file against XXXX XXXX XXXX XXXX citi bank nv but sent to local XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX it is getting all mixed up because of federal local Pennsylvania upstae ny laws when .... im being affected Imediately ... ..the bank and law firm and citi bank na are breaking Pennsylvania and federal laws on major exemptions under Pennsylvania and Federal laws on trying to collection on employment compensation insurance ... .I attached the page but was served after the fact of the levied account how are they allowing this to happen ... .if possible can you forward my message to the right party I fighting here ... .I will reply to the courts but I'm being buried by bank to bank snowball to a avalanche effect here and its all damages and racking dollars cause the locked my only form of income pa uc .....
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 186XX
Submitted Via: Web
Date Sent: 2023-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-29
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: ... ... .XXXX XXXX XXXX XXXX froze or levied my account on XX/XX/23 because citi bank na used XXXX XXXX XXXX XXXX XXXX XXXX execution letter delivered to XXXX XXXX XX/XX/23 to XXXX my account because of consumer debt that I'm not able to pay do you being on pa unemployment insurance ... ... .I have emailed XXXX XXXX XXXX XXXX XXXX XXXX XXXX them about exemptions on pa XXXX state and federal part and let them know about XXXX and the complaint ... ... .I 'm having absolutely no problems with XXXX XXXX that XXXX me and my wifes joint but ... ... ... ..so it has to be XXXX XXXX XXXX XXXX and how they are handling this ... ... ..I was served by the sheriff s department today XXXX XXXX.. .. How is the bank able to levie or freeze my account on a executive letter that is against Pennsylvania and XXXX XXXX XXXX XXXX exempt XXXX XXXX benefits... I sent a complaint to cfbp but haven't gotten a reply... I attached the order to you because is the order mis read by XXXX XXXX XXXX or do i file against XXXX XXXX XXXX XXXX citi bank XXXX but sent to local XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX it is getting all mixed up because of federal local Pennsylvania XXXX ny laws when .... im being affected Imediately ... ..the bank and law firm and citi bank na are breaking Pennsylvania and federal laws on major exemptions under Pennsylvania and Federal laws on trying to collection on employment compensation insurance ... .I attached the page but was served after the fact of the levied account how are they allowing this to happen ... .if possible can you forward my message to the right party I fighting here ... .I will reply to the courts but I'm being buried by bank to bank snowball to a avalanche effect here and its all damages and racking dollars cause the locked my only form of income pa XXXX .....
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 186XX
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-29
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: RE : Citi XXXX XXXX Acct ending # XXXX & # XXXX. Customer XXXX XXXX I was notified via email and text at approximately XXXXXXXX XXXX on XXXX, if I recognized /authorized charges of {$540.00} from XXXX XXXX XXXX ( ATTACHMENT A ). At XXXXXXXX XXXX on XXXX I responded to the text that the charges were not recognized and I then proceeded to call Citibank and verbally told the agent the {$540.00} was an unauthorized charge. Therefore, account # XXXX was deactivated on XX/XX/XXXX and I was overnighted a new card for account ending # XXXX. Due to this unauthorized charge I reviewed my account activity and reported some other charges as unauthorized and my dispute center reported 8 transactions as unauthorized which included XXXX Home Depot Charges of {$260.00} and {$810.00} ( ATTACHMENT B ). The dispute center message indicated the Home Depot Charges were not billed but if the transactions became billed to contact Citibank for further investigation. ( ATTACHMENT B ) Since I notified Citibank both verbally and responded via text that the {$540.00} was an unauthorized charge and it was declined, I was surprised to see it on my statement ending XXXX XXXX Furthermore, upon receipt and review of my XX/XX/XXXX statement, I became aware the XXXX Home Depot charges were billed. ( ATTACHMENT C ) Therefore, on XX/XX/XXXX, I contacted Citibank at XXXX and spoke with XXXX XXXX and informed him about the three unauthorized charges from Home Depot, XX/XX/XXXX {$540.00}, XX/XX/XXXX {$260.00} and {$810.00}. Why would Citibank XXXX XXXX XXXX charges on XX/XX/XXXX be processed when I contacted Citibank on XX/XX/XXXX and indicated the XX/XX/XXXX Home Depot charge of {$540.00} was unauthorized/ fraud and I was issued a new account and card? On XX/XX/XXXX, I noticed the three Home Depot charges I called and disputed on XX/XX/XXXX were no longer in my dispute center online, so I once again called Citibank at XXXX and spoke with XXXX at XXXXXXXX XXXX and asked why the 3 charges I reported as fraud were once in my dispute center but some how dissappeared. She said she would facilitate the processing and they would show up in a few hours. Unfortunately, they never showed up in my dispute center. Consequently, I started an online chat on XX/XX/XXXX at approximately XXXX with XXXX and XXXX XXXX ( ATTACHMENT D ) XXXX indicated my account would receive a credit in 2-3 business days and the fraud investigation could take 30 days. On XX/XX/XXXX, I contacted Citibank at XXXX and spoke with XXXX and he indicated these three disputes were " closed '' as there were notes that the merchant issued credit. Unfortunately, THERE IS NO CREDIT on my credit card from Home Depot for the disputed charges. XXXX indicated he escalated my disputes to the management team. Why is the information XXXX provided me quite different from what XXXX and XXXX communicated only three days earlier? Most importantly, why is Citbank giving me the runaround forcing me to spend hours of my personal time following up on the same items over and over again with no remedy in sight? I asked XXXX for the email address for the security and fraud management team and he provided XXXX. Also on XX/XX/XXXX, I chatted online with agent XXXX and asked him for the email address to communicate regarding security and fraud charges and he provided XXXX. I proceeded to send an email to both of these email addresses outlining and summarizing my communications regarding the three unauthorized Home Depot Charges ( ATTACHMENT E ) As of XXXX and I have not received a credit for the {$1600.00} of unauthorized charges and the transactions are still not included in my dispute center- there are only four- what happened to the other four that were there previously. Furthermore, I am unable to go to my account details and mark the transactions as disputed ( ATTACHMENT F ) The above incidents indicate that Citibank is ignoring my claims of unauthorized charges. I have been told false information by agent XXXX and XXXX as the disputes are not reported in my dispute center and I have not received a credit. I am extremely, extremely frustrated with Citibanks handling and communication of the three Home Depot unauthorized transactions. Citbank indicates its customers have {$0.00} responsibility for unauthorized charges so my credit card should immediately be credited for {$1600.00} of Home Depot charges because I have notified Citibank multiple times via various forms of communications that they are unauthorized.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48042
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: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: I am XXXX and on a fixed incomeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I asked Macys several times to lower my interest because over {$200.00} a month of my {$350.00} payment goes to interest. The most recent I had an email sent, I cant do on my own on XX/XX/2023.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 934XX
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: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Late payments of 30 days were reported to the credit agency. These dates were on XX/XX/2022, XX/XX/2022, XX/XX/2022. Payment was made to Macys credit card and account has been brought active. Currently, Macy 's account has no balance. These late payments occurred to the Covid 19 Pandemic Outbreak in New Jersey. I am asking for these late payments to be deleted from my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07726
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: 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/2023, I mistakenly made a duplicate monthly premium payment of {$1800.00} to XXXX XXXX using my Costco Anywhere Visa by Citi Bank ( " CAV '' ). Upon realizing the error, I called XXXX. They advised me to stop the duplicated payment through Citibank. Citibank said I had to put the transaction in dispute. I immediately called Citibank and placed the issue in dispute. Not knowing this would be a protracted process. On XX/XX/2023, I decided to take the transaction out of the dispute. Just because the next month 's premium to XXXX would have been due on XX/XX/2023. I thought by removing the dispute would allow the forwarding of the {$1800.00} payment to XXXX, and that will be it. On XX/XX/2023, XXXX notified me that the remittance for XXXXXXXX XXXX premium was outstanding. I followed up with a call to Citibank to see what happened to the payment I took out of the dispute. They said that the funds were released to a " XXXX account '' and that XXXX " simply '' had to retrieve the funds from that account. And, there was nothing else Citibank could do. XXXX has no record of receiving the payment from Citibank. From the conversations that I have been privy to with Citibank and XXXX : it appears to be a flaw in the Citibank Dispute Process : When a dispute is settled or canceled, the " CHARGEBACK '' is released to the vendor 's bank, and there are no identifiers ( account number, customer name, etc.. ) as to which customer account the payment is should be credited to. So the funds just go to some sort of miscellaneous account and not to the Customer 's account. Citibank 's fiduciary relationship with me is to ensure that payments made on my behalf through their banking system on my behalf have all the identifiers needed by the receiving entity to process the payment. Citibank has refused to credit me the {$1800.00} that I paid to XXXX via CAV card but was not received by XXXX. As a duplicitous ploy, to muddy the waters, Citibank credited me the second payment of {$1800.00} on XX/XX/2023 when I said I wanted to reinstate the dispute. My intent in reinstating the dispute was an attempt to receive credit for the outstanding {$1800.00}. PLEASE CONTACT ME IF YOU HAVE ANY QUESTIONS OR CONCERNS. MY CONTACT INFO IS : XXXX Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06611
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: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have always been set up on Automatic payment on my accounts but I have 1 late pay from two different accounts with a company. I have tried disputing and getting an explanation but i haven't. The website didn't take my payment a month I guess but I should not be suffering from from that with a lower credit score. It wasn't my fault. Please assist me in getting these late pays removed. The bureaus are no help. They are not even processing my investigations.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80907
Submitted Via: Web
Date Sent: 2023-03-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-29
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: in accordance with the FAIR CREDIT REPORTING ACT ... XXXX ACCOUNT XXXX XXXXXXXX, has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end credit plan as late for any reason
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48075
Submitted Via: Web
Date Sent: 2023-03-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A