Date Received: 2023-03-27
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/2023 ( {$3000.00} ) was withdrawn from my Savings Account at Citi Bank. I was called by my mom to tell me that she went to my Bank and took money out. She had my card was only allowed to use my card for small amounts like gas or ect. She wanted to give my nephew some money for his Closing Cost and was able to go into my Bank and sit down with a Customer Rep and withdraw and send a wire without anyone at this Bank asking her to identify who she was. She was never asked for ID and when she filled out the paperwork with her name and address, they asked her to scratch out her name and to put my name on it. When she called me later that day to tell me what happened. I asked her did they try to call me and did they ask her to show ID. She said no. I was upset. I called the Bank and ask to speak to the Manager and they said he was not there. I went into the Bank XX/XX/XXXX, XXXX speak with the Manager / XXXX XXXX XXXX Prior to this happening on XX/XX/2023 I filed a Fraud Claim because someone had charged {$500.00} from my account and the case was to take 90 days to be investigated. My mother was in the Bank during this 90 day period. Citi Bank should have had that information appear on their system when me or her cam e into their office. When my account was charged the {$500.00} I had to get a new Debit Card. I went into the Bank to get some funds due to my new card being sent overnight to me and was asked for my ID. Why was this women who they had no clue who she was able to go inside sit down and draw money out of my and never asked to identify herself. XXXX XXXX did ask me to send a email to say that I approved the transaction. I told him that I did not approve the process but was ok with the money once it was taken and my mom notified me because it was for his Closing. What I should had done was stop everything with the money and not let it go through. I should have taken the money and sent it properly but it was the next day of closing. I was and still am very much upset that this was even allowed to take place. I want some action taken against Citi Bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20770
Submitted Via: Web
Date Sent: 2023-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-27
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Please see the attached Letter to support my Inquire against Citibank for False representation to get reimbursed for the amount of {$1400.00}. due to contradictory information and negligence given by Citibank XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91311
Submitted Via: Web
Date Sent: 2023-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-25
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: unauthorized inquiry XXXX XXXX XXXX dated XXXX XXXX unauthorized inquiry, CITI CARDS CBNA, XXXX XXXX unauthorized inquiry, XXXX XXXX XXXX unauthorized inquiry, XXXX XXXX XXXX XXXX XXXX unauthorized inquiry, XXXX XXXX XXXX XXXX XXXX XXXX unauthorized inquiry, XXXXXXXX XXXX XXXXXXXX, XXXX unauthorized inquiry, XXXX XXXX, XXXX XXXX unauthorized inquiry, XXXX XXXX XXXX XXXXXXXX unauthorized inquiry, XXXX XXXX XXXXXXXX XXXX XXXX have communicated on numerous occasions that i NEVER have given my written consent to perform any credit check or look at my credit report. they have corrupted my privacy and hurt my credit score, I want these inquiries removed at once.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: RI
Zip: 02920
Submitted Via: Web
Date Sent: 2023-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-25
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/XXXX, I was gambling online with XXXX. Their ACH payments system improperly authorized {$4.00} XXXX in deposits via ACH to my accounts that has $ XXXX in it. I ended up getting multiple returned ACH transactions from that incident. Since then, XXXX and I settled up for the real amount I owed {$230000.00}, but Citi cancelled my banking relationship closed my accounts and seized my {$800000.00}. I can't get any updates from them and they haven't sent or done anything. I have tried to tell them this was a mistake by a business and their ACH system and I had done ACHs with XXXX before with no issue. I have been a Citi customer all my life and had no issues. $ XXXX is my net worth and I don't have other money in bank accounts so I need to get this money back ASAP to pay rent, food etc. It was an accident and no one contacted me or talked to me about it. They just canceled my account and seized my funds. I need help as no one will discuss things with me at Citi. Their customer service says they have no info and then they hang up. I am a longstanding XXXX member and can't believe this is happening.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 026XX
Submitted Via: Web
Date Sent: 2023-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-25
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Citibank unable to verify information with XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07208
Submitted Via: Web
Date Sent: 2023-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-25
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 Friday, XX/XX/XXXX, I was attempting to make a partial payment on a hospital bill for my mom. After I entered my Citi Costco Visa credit card information, I noticed that the XXXX system used to process online payments had taken the full amount of the bill instead of my intended partial payment. This incorrect payment amount was for XXXX which also exceeded my credit card limit ( {$8500.00} ). I immediately called the number for XXXX but did not get a response so I sent them an email. Additionally, I emailed XXXXXXXX XXXX XXXX and also called XXXXXXXX XXXX XXXX ( XXXX ) XXXX who told me to call my credit card company as XXXX XXXXXXXX XXXX was not able to cancel or decline the charge from their end. I then called and disputed the charge using my online Citi Costco Visa account and also talked to my credit card customer service ( XXXX ) who told me that the merchant would have to decline the payment as the payment had already been approved and was pending. The visa customer service said they could be able to put a credit for the dispute but the amount would have to post to my account first. On Tuesday, XXXX XXXX after the amount was posted to my visa account, I called XXXX XXXX again and they told me that they could not cancel the payment. However, they told me that I could talk to my credit card company to cancel the payment from their end. I spoke with the head supervisor ( XXXX XXXX from XXXX XXXX XXXX XXXX ) who assured me that they would take note of the payment error and would not challenge the dispute when they heard from the credit card company. On XX/XX/XXXX, I submitted all my documentation requested by visa including a detailed description of all the attempts that I had taken to get the transaction corrected. On XXXX XXXX, I received an email and letter on my account stating that my issue had been " Resolved-Customer Responsible '' and the investigation had been closed because they " did not receive a complete response to our letter that was requesting additional information for this dispute. Therefore, we have closed this investigation. '' All of this information I had submitted to them on XXXX XXXX. I then called customer service again and they confirmed that my documentation had been received but that the investigators had possibly not looked at it. The case was therefore reopened and I was given a XX/XX/XXXX date for the case to be resolved. I waited and after not hearing any progress, on XXXX XXXX I visited XXXXXXXX XXXX XXXX and spoke with XXXX XXXX directly in person. She stated that they are still waiting to hear from Citi Visa and had no records of contact from them. I then emailed Citi Visa requesting confirmation that communications had been made. I did not receive any response. I called customer service again on XX/XX/XXXX and he told me that no status was available but that he was going to follow up with the investigators and that I would receive some status update in 3-5 days. I have not received any response.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 79423
Submitted Via: Web
Date Sent: 2023-03-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-25
Issue: Getting the loan
Subissue:
Consumer Complaint: XX/XX/2023 I received alert that my credit report was ran when the Citibank website specifically stated check to see you qualify for a loan without it affecting your credit score. I called to follow up on the concerns and got transferred 12 times to different departments.On the final transfer it went to Public affairs department when I asked to speak to public affairs.Also Citibank stated I to many inquiries when I only had 6 at the time. I am XXXX XXXX with Citibank XXXX XXXXXXXX XXXX XXXX XXXX and I should not be treated that way after being transferred 12 times. I dont know if there is a language barrier between the overseas and United States call centers. I am requesting that the inquiry be removed because the website specifically stated that checking the rate will not negatively impact the credit.The message is in red letters on the app. I am assuming most of the banks are doing this screening out process now. I dont know why keep having issues with the customer service to the point that I got transferred to Public affairs office when I clearly ask to speak to a Supervisor.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94544
Submitted Via: Web
Date Sent: 2023-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-25
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: XX/XX/XXXX I received a fraud alert for my Sears Mastercard I advise that I did not make the charges. I was told the account was supposed to be closed. I later received alerts that the account had incurred more charges in XX/XX/XXXX. I disputed those charges and could not understand how they would allow the account to accumulate additional fraudulent charges when the account was supposed to be closed due to it being compromised. I was very upset and frustrated to receive the phone calls and to know that this could occur. It was very disappointing and devastating as it affected my ability to purchase a home. During the discussion I asked that they ensure they close the account and it remains close. I asked they not have any active accounts for use due to the security issues. I dont feel like a new account would be secure at this point. I had to follow up with them periodically to see what was going on and why it was taking so long to clear my record. This was very difficult. Finally on XX/XX/XXXX. I received a letter indicating they had finished their investigation and as a result they removed all disputed charges and any related fees and interest charges from my account. I did not receive anything stating that I owed money, I did not receive a itemized statement. On XX/XX/XXXX, I received a notification my account is past due. I called to ask what was past due. I inquired if they were missing a note that the account had fraudulent charges. I didnt have a billing statement. I advised I didnt owe anything and I recently received a letter that the disputed charges were removed. The representative informed me she would transfer me to the fraud department and when I spoke to a representative there, they said that they would look into it they saw something and I figured the records had needed to be caught up and corrected. I have inquired on XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and I called again today XX/XX/XXXX to see what was happening with my account. I was told they still have a charge on the records from the dispute for over {$1300.00}. This has caused undue suffering as I have to still dispute this matter. Im further disappointed because I asked that the account not be active for use due to prior security issues as I dont feel like the account would be secure. I also never consented to activate it. I was advised the account was active. This is concerning and just shows that they continue to be negligent on their end to protect my account and my credit rating as a consumer. I asked them again today to make sure the account is not active for use. Im filing this complaint as I need a resolution ASAP, this is negatively impacted my ability to get things done for my family.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11367
Submitted Via: Web
Date Sent: 2023-03-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-25
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 took my dog to see XXXX XXXX XXXX dba XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX XXXX XXXX I was not happy with the services provided and several days later contested the charges of {$170.00}. The XXXX XXXX XXXX agreed with me and agreed to waive these charges entirely ( email enclosed ). I submitted this proof to XXXX XXXX XXXX XXXX XXXX : Case ID : XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XXXX refuses to return the funds the vendor agreed to waive. This is clear violation of their terms of agreement regarding investigating disputed charges.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 183XX
Submitted Via: Web
Date Sent: 2023-03-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-25
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I have requested a credit line increase. They claim too many recent inquires. I have 3 in 24months. 2 with the same bank, same week. Citibank can not tell me what is considered too many inquires, just that is the reason for the increase denial. My credit scores are 800+, very low balances. Paid Monthly. I believe the are declining this for another reason they will not state.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 339XX
Submitted Via: Web
Date Sent: 2023-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A