Date Received: 2023-03-24
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: Beginning in 2020, during the height of the pandemic, Citibank has repeatedly decreased my card limit on my three credit cards I currently have active with the company. One card 's limit was reduced more than 40 %, thus drastically affecting my credit score due to my credit utilization rate increasing. Shortly afterwards, my two remaining card 's limit were also reduced and the reasoning was due to my credit score ( which only dropped because of the credit limit decrease of the first card ). I've experienced limit changes more than 5 times in two years. I recently requested a payment extension due to a loss of income and hardship and was told Citibank does not offer any type of payment arrangements or deferments whatsoever.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30318
Submitted Via: Web
Date Sent: 2023-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-24
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: I have created a credit card with CitiBank in XX/XX/XXXX, and have been using it responsibly, always paying the full balance within the statement period. On XX/XX/XXXX I got a notification of fraudulent charges from XXXX XXXX XXXX XXXX and other merchants. I immediately contacted CitiBank Fraud Department ( XXXX ) and asked them to close my card to avoid further fraudulent transactions. They acknowledged, closed the account and sent me a new card. On XX/XX/XXXX I received a new notification of more fraudulent activities on the account, before even receiving my new card. At this point I did not have a valid, activated credit card associated with the account. I immediately contacted CitiBank Fraud Department, and asked them to close my card again, and asked for further investigation in this matter. They assured me they remedied the problem and sent me yet another new card. This repeated again on XX/XX/XXXX. The representative informed me that there are ongoing charges on the account from XXXX XXXX. I informed him, that I do not have a XXXX XXXX capable device or service, and never associated this card with any XXXX accounts. I asked CitiBank to remove this form of payment and lock my account, to make sure all fraudulent activity stops. At this point the representative locked me out of my online account, and I have not been able to login ever since. Unfortunately this repeated more times during the following weeks. I spent hours on the phone between various representatives and escalations. They ended up sending me 4 different cards in XXXX alone, while the fraudulent activity continued without me activating any of those cards, or having access to my account. I demanded account closure and to see my recent statements, to identify and pay any remaining legitimate transactions. CitiBank failed to provide any statements, they claimed it was only available electronically and they did not have access to it. I informed the representative, that CitiBank had previously locked me out of my account on XX/XX/XXXX, therefore I have no access to my account or any statements thereof. She offered to change my next statement to paper format, so I receive it via regular mail. I have recently received my final statement, with an outstanding balance of {$1100.00} consisting of fraudulent activities, foreign transaction fees, late payments and interest charges, all of which due to those fraudulent activities. I am supposed to remit this payment by XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28278
Submitted Via: Web
Date Sent: 2023-03-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-24
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: Someone name XXXX called from an no caller Id number saying I would be receiving a summon for court at XXXX on XX/XX/2023 .Told me I needed to call XXXX. I called that office at XXXX. He didnt give his name but said XXXX was taking me to court and the court date was XX/XX/XXXX. When I asked where he said somewhere in my area. No summon ever came. Today XX/XX/2023 I got a taped call asking me to press on .Another firm named XXXX called again representing XXXX Saying I owe XXXX but we could settle it today for XXXX. I said this is a scam .He said if you dont your court date is next week. I said someone called me yesterday said it was next week. This is a scam. I do not owe XXXX any money This is harassment or a scam
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22191
Submitted Via: Web
Date Sent: 2023-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-24
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 attempted to purchase two ( 2 ) one way tickets from XXXX ( XXXX XXXX ) to XXXX ( XXXX ) airports on XXXX XXXX website for myself and my son to come back home from a long XXXX vacation out West along historic XXXX XXXX I did print from my home computer a confirmation of the tickets purchase, using mty Citicard credit card ( account # XXXX. Approximately 3 weeks went by and I had not received my monthly Citicard billing in the U.S. Mail. As you know, the XXXX XXXX XXXX has been experiencing extensive delivery problems for the past year for several reasons. I wanted to make sure my XXXX tickets had been paid for on my Citicard credit card so I called Citicard call center. The male call center employee who took my call told me " No XXXX XXXX, Citicard did NOT pay for those tickets because you do not show a history of periodically purchasing airline tickets on your Ciiticard and the cost was large ( {$730.00} )., therefore our Anti-Fraud software declined to approve that purchase to protect you... we apologize for any inconvenience ''. Based on the phone conversation with Citicard call center and relying on that information to be accurate ... on XX/XX/2022 I purchase two ( 2 ) travel tickets from XXXX XXXX using my same Citicard credit car the same passage home from XXXX XXXX. It wasn't until XX/XX/XXXX or XXXX that I received on my cell phone ticket reservation and flight information from XXXX XXXX that my tickets were " Active '', and I then realized there was going to most likely be a billing error on my account ( double billing for our one way trip home ). I arrive home on Sunday XX/XX/XXXX. I contacted Citicard call center about this problem,, and I have called them several times. They have refused to reverse my charges from XXXX XXXX XXXX, even though we did not travel on XXXX to get back home. I have told Citicard Billng Disute supervisors that the billing duplication is not really XXXX 's mistake, but rather Citicard 's because they never notified me by phone that my original purchase with XXXX actually did go through subsequent to my original inquiry. I have furnished paper copies of ticket purchase to Citicard two times per their request. There is no additional documentation I can send to them. I have tried several times t o get this billing problem resolved by Citicard but they have refused.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-25
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: A Best Buy card was opened under my account an used to purchase electronics at Best Buy on the same day. I think it has to do with the fact that I have a Best Buy account as the purchases were under my Best Buy account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 850XX
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: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: A complaint has been filed Citibank Loan XXXX Complaint XXXX This was confirmed by the Citibank as XXXX loan assigned to me as a coborrower The primary applicant file bankruptcy in XXXX Case XXXX - XXXX XXXX Bankruptcy XXXX XXXX CT XXXX XXXX XXXX Attorney This is public record and a copy does not show the loan discharged as said by Citibank and the collection agency Where and how is Citibank listed in the bankruptcy and the amount of debt discharged Citibank makes the conclusion I am the primary when there is no proof it was account was charged off.. Complete details of the debt listed in the bankruptcy For the XXXX notice I am still getting contact letters from Citibank. A XXXX for cancellation of debt for which you wrote in the last complaint you has discharged and I became responsible. Are you sure I am to be receiving these notices? Where is the signed paperwork and accounts for this loan XXXX application has been provided but there must be information on loan disbursement and paperwork to prove identity of the recipients. Where did the money go in simple words? Unless you can prove the loan and prove this loan is listed within the bankruptcy I would think this is a problem. There are several Citibank loans in the XXXX Bankruptcy but which one is mine The XXXX issued for XXXX reference ID does not match any loans in the bankruptcy
Company Response:
State: OR
Zip: 97229
Submitted Via: Web
Date Sent: 2023-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-23
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: Dear Consumer Financial Protection Bureau, Citicard failed to recognize dozens of obviously fraudulent charges on my account during a period in which I was traveling or preparing to travel abroad. These charges were from XXXX XXXX XXXX , California . I have never heard of this company, have never used this company, and did not live in or travel to California during this period. When I returned from my trip, the week of XX/XX/XXXX I checked my credit card statement and noticed dozens of identical fraudulent charges from XXXX XXXX XXXX , California . I called Citicard 's fraud department immediately and alerted them to the many fraudulent charges and Citicard said they would file a dispute claim and look into it immediately. They also said they would cancel the card and issue me a new one. When the new one arrived, the same fraud continued. Citicard actually caught it this time and called to alert me. When I spoke to their fraud department, I confirmed that the charges from XXXX XXXX XXXX were entirely fraudulent. Citicard confirmed they would file a dispute claim and look into it. I inquired about the status of refunding the money from the fraud on my original Citicard and they said they were looking into it. The total amount of fraudulent XXXX XXXX XXXX XXXX at this point totaled : {$8700.00} ( see attached itemized accounting ). In early XXXX, I received a letter in the mail from Citicard saying they had resolved the dispute and would not be refunding me anything. I immediately called their fraud department to complain, and they asked me not to worry, they would take care of the fraudulent charges and reopen my case to do so. On XX/XX/XXXX, I received an online message from Citicard that my dispute had been resolved ... and they were issuing me a refund of {$7.00} for a XX/XX/XXXX XXXX XXXX XXXX transaction ( see attached letter ). On XX/XX/XXXX, I received a second online message from Citicard that my dispute have been resolved ... and they were issuing me a refund for {$7.00} for a XX/XX/XXXX XXXX XXXXXXXX XXXX transaction ( see attached letter ). As you can see from the itemized fraud tracking below, this refund of {$14.00} represents .017 % of the {$8700.00} I was frauded by XXXX XXXX XXXX . This is beyond unacceptable -. Their fraud department belatedly recognized this fraud and is now refusing to refund my money. Citicard needs to refund the entire {$8700.00} immediately and should be sanctioned for such poor behavior. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 802XX
Submitted Via: Web
Date Sent: 2023-03-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-23
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: I own shares of XXXX XXXX ( originally XXXX de XXXX I originally had bought back in 1987 through my XXXX XXXX XXXX account. I have never held personally any stock certificates, as they have always been held in my Brokerage accounts at XXXX ( acquired by XXXX XXXX XXXX XXXX ) . My stock holdings have always been held electronically in my account -- no certificates. Recently, I received a notice that XXXX XXXX was consolidating different classes of stock into a single class. Essentially, this was accomplished by electronically removing one name on my Brokerage statement and inserting the new name -- nothing more. No forms to process, no certificates to cancel and reissue, just electronically remove one name/description and insert the new name/description in my XXXX XXXX account. For this electronic transaction, I was charged two fees of {$2300.00} each or a total fee by Citibank of {$4600.00}!! Those charges threw my account into a debit balance for which I will also be charged an as yet undetermined amount of interest by XXXX XXXX. If you think overdraft or bounced check fees are improper, how about having this outrageous cost to change a name electronically on my statement, a decision I had no choice in making. I want all fees and interest charges refunded into my XXXX XXXXXXXX brokerage account.
Company Response:
State: NC
Zip: 275XX
Submitted Via: Web
Date Sent: 2023-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-23
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I opened an account with Citi that was funded by {$20000.00} from a XXXX XXXX money market account that I own ( on XX/XX/XXXX and XX/XX/XXXX ), {$10000.00} from XXXX ( XX/XX/XXXX ), {$970.00} check from Citi Bank credit card rewards. I had also removed {$6200.00} from the account to have a final balance of {$25000.00}. Citi accused me of fraud over the {$10000.00} from XXXX and closed my account. After a prior CFPB complaint they allowed me to " prove '' I own the XXXX account. After I showed them a statement they provided a check of {$10000.00} to me, leaving {$14000.00} in the account. Citi considers the matter " closed '' and although they see a balance of {$14000.00} in my account ( interest was added I believe ) they do not think that it belongs to me. The funds they're holding from me were NEVER in dispute. They only cared about the {$10000.00}, and I proved I owned it. So now they are penalizing me by withholding the rest of what they owe me. This is ridiculous, they can see they money came from an account with my name on it. I want all of my money back and want to sever my relationship with this terrible company. Attached is a statement from XXXX XXXX showing that I own the account and sent in 2 transfers of {$10000.00} each to fund the Citi Savings account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 275XX
Submitted Via: Web
Date Sent: 2023-03-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-23
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: On XX/XX/XXXX I was notified that my credit score went down by XXXX points due to a late payment at Macy 's. In XXXX of XXXX, my account was hacked and I updated my Macys app to a new bank account number. Unbeknownst to me, Macys removes me from auto payments since they tried to make one and it was sent back to the bank. I called Macys to remove the credit report because : 1. I was not notified they pulled me from auto pay. 2. No attempt was made to contact me. 3. No letter was sent to me notifying me of any issues. When I called Macys the gentleman I spoke to told me I was not set up for auto pay. So we set that up and set up paperless statements. When I spoke to Macys, 1 day later ( I was informed no one could help me until the payment cleared ) I was informed that I had paperless statements that it was my job to open them. I explained I just set that up yesterday. She explained that they sent to me numerous notices. I asked what they were and she said : 1. We called you. I had no voicemails. She said all calls were unanswered with no message left. They never left a message! 2. They said they mailed me late notices. I said to where? She gave me an address I have not lived at for 11/2 years. I then asked how come I changed my address in my Macys app and you guys have sent me multiple products to my new address and you don't have it? She told me that the app does not speak to my " account '' so they had my old address. All of there reasons are unacceptable, to say the least. A consumer by law must be notified if they are going to be sent to collections for late payments. Nothing was sent to me and no call from them left a message. This single incident and their carelessness cost me a decrease in my credit of XXXX points. Which will cost me XXXX of dollars in the upcoming years. They did not do their due diligence and it must be fixed. Please help. They have said their investigation shows no error on their part. They even sent me a copy of the letter they mailed to the wrong address PROVING they made the error and they refuse to budge. I can prove every inconsistency in their letter to me. I have proof that two of my bank accounts were hacked and had to be changed. In their letter to me they state that my auto pay was only set up in XXXX and that is incorrect. That was my bank 's first hack resulting in closing an account I had for over 20 years. I was not notified of an issue of none payment, as I continued shopping and buying items with no notification. Their letter to me is inaccurate and false. Please help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A