Date Received: 2023-03-21
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: I mailed a check ( # XXXX ) for Earthquake Insurance in the amount of {$1300.00} back in XXXX of XXXX. The Insurance Company ( XXXX XXXX ) informed me that my policy lapsed because they did not receive my check. However, when I called Citibank to confirm the check, it had been deposited and cashed by a unknown third party and the funds taken from my account. I informed the bank of the issue, received a photo copy of the check confirming it had been cashed, and I submitted an affidavit to the bank informing them that my check was illegally cashed by someone else. I even had the insurance company write a letter informing them that they did not receive the payment back in XXXX. Nothing was altered on the check, it was made out to the correct company, but there were two ( 2 ) illegible signatures on the back of the check when it was deposited. The insurance company informed me that whenever they would submit a check, there would be a company stamp included on the back of the check, and not the personal signatures. I have been following with Citibank since XXXX of XXXX trying to address this issue. I have spoken with multiple people in the fraud department, however I can never speak with the case manager. Citibank keeps informing me that my case has been denied. I've tried appealing on several occasions and each time I am informed my case has been denied again. I've even gone so far to address this issue with one of the personal bankers at Citibank at XXXX XXXX of the XXXX location in XXXX XXXX. He tried to help as well, but without any luck. I'm happy to send the affidavit, letter from the insurance compnay, etc., should you require. However, as this has been going on since XXXX of XXXX, I am hoping you can assist. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91343
Submitted Via: Web
Date Sent: 2023-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: reporting company 's investigation into an existing problem We received your complaint. Thank you. We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. YOUR COMPLAINT I disputed the following information below contained in the attached files with XXXX, XXXX AND XXXX and up until this day, these accounts are still reporting inaccurately on my credit file. * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX tried multiple times to resolve this problem with them because I do not wish to pursue legal actions against them but they have been neglecting the duties mandated by the FCRA. This has caused me so much emotional and mental stress because they are degrading my credit rating by reporting erroneous information and preventing me to obtain the necessary credits amidst the pandemic. XXXX, XXXX AND XXXX has violated so many laws, the investigation results and status were not communicated to me. I explicitly requested verified documentation for the supposed information reporting on my credit file, but I have yet to get anything. Despite being disputed, there is still a lot of inaccurate information on my credit report. I was not notified about the investigation as well as the results so I'm not even sure whether or not they did the investigation. If they did, the errors on my credit report were not fixed despite their " investigation ''.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89108
Submitted Via: Web
Date Sent: 2023-03-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-21
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: Called CitiCard to ask why my interest rate charge was two-tiered and had increased dramatically from 13 %. Agent replied that I had a late payment in XX/XX/2022. As was caring for a friend during XXXX treatment, it went unnoticed. I told agent that my bank showed an online direct wire payment of {$400.00} ( nearly double minimum payment ) on XX/XX/XXXX for a due date of XX/XX/XXXX. She stated that Citicard posted that payment on XX/XX/XXXX. I have XXXX control over when they choose to post payment. I informed the agent that the new rates were ridiculously high@ 29.99 % and 18.49 %, and that my other card had kept my rate at less than 10 %. She stated that she could only refund my late fee. When I stated they would be reported, she retorted that she would put the fees back on my account. I thought there were laws against usery in our banking system. Could it be that super pacs rule our consumer protection agencies and leaving us exposed to bad actors in our banking system?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 396XX
Submitted Via: Web
Date Sent: 2023-03-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-21
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: I got a cashiers cheque with the funds that was in my account from my former bank before closing XXXX XXXX XXXX I was told by the teller that I have up to 5 years to cash the Cheque a year later I took it to my new bank Citi bank and deposited it. A few days later, citi bank closed my account and said that the Cheque was stale dated. Its been almost 90 days and citi bank have been going back to back with me about getting my funds. The issuing bank told me that the Cheque was cleared by citi bank but citi bank have been holding my Cheque. They investigated and told me that after 60 days they would rekease it and open my account but its been almost 90 days and still nothing. Cheque Valued XXXX {$25000.00} Date Deposited XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60605
Submitted Via: Web
Date Sent: 2023-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-21
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Citi at XXXX XXXX XXXX XXXX, XXXX IL On XX/XX/XXXX I opened a Citi Business checking account, deposit new-to-Citibank funds within 30 days, maintain balance for an additional 60 calendar days and receive a cash bonus. Cash bonus to be credited to your account wilthin 90 days from the month you complete the required activities. Account opened XXXX XXXX XXXX XX/XX/XXXX, {$50000.00}. deposited XXXX XXXX, {$54000.00}. deposited Had over {$100000.00} in the account till XXXX, account is still open. Called Citi In XXXX, was told my bonus would post by XX/XX/XXXX. Called in XXXX answer was they would look into it. Emailed and called in XXXX, still looking into it, and XXXX, no answer in XXXX at all.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60067
Submitted Via: Web
Date Sent: 2023-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-21
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: XXXX XXXX was to refund me XXXX for an item I returned. They sent numerous emails saying refund was pending, then they never refunded the monies. I disputed the charge, sent evidence to Citibank that item was returned, refund was supposed to be processed but never was. Citibank ignored the evidence and kept my money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93065
Submitted Via: Web
Date Sent: 2023-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-22
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I opened two accounts with Citibank. NRE and NRO accounts. Citibank closed their operators in XXXX and I wanted to get the money returned. They are not returning the money. They claim that they have sent a Demand Draft on the XXXX XXXX XXXXXXXX. They provided a tracking number but i can not find the tracking information. I have sent multiple emails to them but of no avail. Savings a/c no. XXXX Savings a/c no. XXXX
Company Response:
State: TX
Zip: 75094
Submitted Via: Web
Date Sent: 2023-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-22
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I had a checking and saving account XXXX with Citibank. Citibank sent me an email on XX/XX/XXXX and mentioned my account will be closed in 60 days while my account still had {$3900.00} balance. My account was freeze and transactions were declined transactions since then. I didn't consent the account closing and I wasn't given a good reason for closing the account. I also never receive the balance refunded. I've contacted Citibank over the phone many times for a refund on XXXX XXXX on XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX but they either asked me to wait for a check refund, asked me to visit a branch, or hung up my phone call. I also visited Citibank branch in XXXX XXXXXXXX XXXX on XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX. XXXX XXXX but they asked me to wait for a check and didn't provide a refund. After 3 months, I still didn't get my money back, never receive a check and all Citibank staff I met or called didn't help me resolve this issue. They also refuse to escalate this issue. The worst bank customer service I've seen.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94043
Submitted Via: Web
Date Sent: 2023-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-22
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: This is a a case where I was scammed by individuals who used my banks phone number to contact me and had access to my Citibank account. The scammers called me on XX/XX/XXXX and informed me my card was being used to perform transactions at The Office Depot. I logged onto my Citibank mobile app and saw the charge posted to my checking account. They then went through a series of my past transaction and informed me someone was trying to XXXX money to an account I was not familiar with and I received a XXXX notification of this charge. In order to protect my account I was told to XXXX their case managers and this would cancel the fraudulent transactions being made on my account. To protect my account I did the XXXX transactions to who I believe were Citibank fraud case workers for 2 amounts of {$4800.00}, {$2600.00} and {$2300.00}. After the XXXX transactions the scammers ordered me a new citi priority card and told me to call them when I received it. Im about 2 weeks I received the card and went into the Citibank branch at XXXX XXXX New York where I activated my new card and inquired about the money I had sent. This is when I realized I had been scammed. I opened up dispute cases with Citibank for the charges and have been working with the Citibank fraud department who has so far approved the transactions of {$2600.00} and {$2300.00} but will not approve the 2 remaining transactions of {$4800.00}, under case numbers XXXX and XXXX. I have called repeatedly spanning over 1 and a half months to inquire about the case status ; and have sent documents to help with their decision making to award me the funds back to my account as the other 2 charges. The 2 above transactions are identical to the 2 which were already approved so I dont understand why they will not reward the remaining balances.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11553
Submitted Via: Web
Date Sent: 2023-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-20
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: Debt Collection Law Firm in over 14 FDCPA and FCRA and CFPB violations. Have filed a frivolous lawsuit without answering and proving they are the holder in due course, have a signed contract with my name on it or have a contract to collect on behalf of Citibank, NA.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SD
Zip: 575XX
Submitted Via: Web
Date Sent: 2023-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A