Date Received: 2023-03-21
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: This company is reporting late this is inaccurate.
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: 2023-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-21
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: On XX/XX/2023, I called customer service number XXXX to request a replacement card as instructed in a Citi email I received on XX/XX/XXXX informing me that if I did not use my credit card by XX/XX/2023 then my account would be closed. I spoke with a customer service agent to request a replacement card, and during the call I requested my phone number and address be updated as I had moved and changed my phone number. The customer service agent validated the updated phone number and address. I also received a Citi email on the same day of the call, XX/XX/2023, confirming my phone number and address were updated. Today, XX/XX/2023, I decided to use my credit card to keep the account open, so I went to the website referenced in the Citi letter with the attached new replacement card to activate it. The website confirmed successful activation. I then went to purchase concert tickets through XXXX. I tried twice to purchase tickets, but received an error from XXXX 's website saying the card was not valid. I contacted customer service by calling the number on the back of the replacement card at XXXX and I spoke with a customer service agent who stated she could not validate my account with my new phone number. I asked to speak with a person above her, and was referred to a supervisor who repeated the claim they could not validate my account with my new phone number and stated a letter would be sent in the mail in 5 to 7 business days. I asked to speak to someone above her, and I was told at XXXX XXXX XXXX that a manager would call me back. I requested the reference number for the call, and the supervisor provided the reference number. I waited an hour, and I called the number on the back of my card again. I spoke with an agent who said the manager would call me back. No call back. Why is my access to credit being held hostage when I have already provided a new number, activated the account, and passed all security checks? Today, XX/XX/XXXX, I called the customer service number again, and spoke with XXXX. I explained to XXXX that I had not received the letter as promised in 5 to 7 business days since my last called with customer service on XX/XX/XXXX. I explained to him that it is important that my account not be closed as scheduled by Citi on XX/XX/XXXX due to the fact that I am trying to buy a house now, so I do not want negative changes to my credit. He placed me on hold to ask his manager if he could override the security checks, and he claims his manager told him no. He went on to tell me to wait for yet another letter, but when I asked if my current address was the one it would be sent to, he stated he could not verify yes or no and that the address on my credit report would be the one he would send it to. He also told me when I asked about the address on my credit report he could not share the address with me. I told him I did not care anymore to go through this process, thanked him for his time, and hung up.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94112
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: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/2022 CBNA ( Citibank N.A. ) Pulled a hard inquiry on my credit report without my authorization. Once I noticed the hard inquiry, I went ahead and put a credit freeze on XXXX XXXX with XXXX, XXXX, and XXXX. Since the freeze Ive been in contact with Citibank and the credit bureaus. I called Citibank @ ( XXXX ) XXXX and XXXX @ ( XXXX ) XXXX multiple times. Talked with numerous of representatives. It seemed like they knew exactly what the other party would say. Citibank representatives said to contact the credit bureaus and dispute with them. Credit bureaus would say contact the lender since they are the ones who pulled the hard inquiry. Same story & script. Both fraud departments couldnt help me at all. Majority of the Citibank representatives said there is no open/closed account nor an application in their system under my name/info. So this is why they all referred me/transferred my call to XXXX fraud department which didnt solve my issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91801
Submitted Via: Web
Date Sent: 2023-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-20
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have never been late for any credit card or anything in my life as a computer generated here I am always been on automatic payment glitching kick me off
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22102
Submitted Via: Web
Date Sent: 2023-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I received an alert on my XXXX app on XXXX XXXX, 2023 that a macys hard inquiry was pulled from my report. I did not XXXX for any Macys credit card and reported this as fraud to the XXXX bureaus. We placed a freeze on my report and setup up fraud alerts. Please have this inquiry removed as it was not from me. There is also a collection account XXXXXXXX XXXX XXXX ( XXXX ) that is also displayed on my XXXX and XXXX credit reports. This is also not my account and needs to be deleted.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33511
Submitted Via: Web
Date Sent: 2023-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-20
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: Hello. To whom it may concern, i XXXX XXXX logged into my wayfair credit card account to sign up for payment arrangements in XXXX XXXX. With no knowledge that Wayfair as a company simply closes your account if youre ever behind & have to set up a payment arrangement i agreed to pay {$50.00} every so often. Not only did they close my account after i set up payment arrangements Wayfair reported to the credit bureaus that I the consumer closed my account which is false! They're telling me it was in the disclosure paperwork online. I never saw it say scheduling payment arrangements would close my account. im very furious as this is not fair to me as a consumer. I scheduled payment arrangements and was able to XXXX my balance before the ending of the scheduled payment agreement. ive never heard of any company closing your account because you have to set up payment arrangements. This exact information was shared with me by XXXX XXXX id # XXXX who refused to let me speak with anyone else to confirm what she had said or even to help me resolve this further. I the consumer never closed this account I only set up payment arrangements to pay off my XXXX balance. XXXX again expressed to me that its their policy to close the consumer account if payment arrangements are made. This is NOT FAIR. Also this should be BROADLY ADVERTISED that Wayfair doesnt offer payment plans to catch up on your balances, but only to take your money to pay off that current balance and then falsely report that the consumer themselves has closed the account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30094
Submitted Via: Web
Date Sent: 2023-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-20
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I've attempted to wire transfer funds from CITI multiple times, CITI has cancelled all transactions claiming they need to verify my phone number. I've called from the phone number in the system, I've got them on a recorded line. All times I verified with a supervisor. I even called from my brother 's number that was also verified. I also tried doing a transfer to another bank today and it was blocked. Said I was limited until XX/XX/2023. This is my money if I want to wire or transfer funds, I should be allowed to. Citi is scamming the process. There were several other attempts aside from the ones I attached.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 775XX
Submitted Via: Web
Date Sent: 2023-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-20
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I had mailed W9 form to Citibank at address : " Citigroup XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ''. I didn't hear anything from them in over XXXX weeks and I had to reach out to them to know about the status. Only then they told me that the W9 has been rejected due to invalid signature. Despite these being the same signatures that I have using everywhere ( IRS forms, other financial institutions ), they rejected it. When I asked the customer support, they told me the form was rejected because my signature should have first and last name on W9. I tried to tell them there is no such requirement in IRS guidelines, they refused to help. They are pressing me to forge my signatures just for them even though it is legally not correct. Citibank also kept on directing me from one department to another before dropping the calls altogether. I am frustrated with lack of response and if there is one, it is about advising to essentially commit fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98011
Submitted Via: Web
Date Sent: 2023-03-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-20
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I opened an accelerated savings account with Citibank on XX/XX/XXXX via their website which since I already had a credit card with Citi was very easy and efficient. I transferred funds in through my previously set up linked checking account ( XXXX XXXX ). Over the next two months as I had fund availability I transferred additional funds into the account always through this same means of logging onto their website and initiating the transfer from the linked bank account at XXXX XXXX. These transfers occurred on XXXX and XX/XX/XXXX. Additionally I deposited two checks via their mobile application and transferred a rewards certificate from my Citi visa to the account. As of XX/XX/XXXX I had approximately {$100000.00} deposited into the account. On XX/XX/XXXX I noticed I could not log onto my account which I thought was odd but was given a message referring to " try again later '' so I didn't think it was too odd. So I telephoned the customer service that day and was told my account was locked for fraudulent activity. When I verified my identity and the the 3 most recent transactions, I was told I would get a letter in the mail explaining why it was locked in 7 to 10 days. The letter stated the account was closed by Citi and funds would be dispersed in an additional 30 to 60 days. So essentially they are holding my funds without paying interest for almost 90 days and I have no access to them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77018
Submitted Via: Web
Date Sent: 2023-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-20
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I received a Citi bank AA credit card and the realized there was a {$450.00} annual fee so I called and canceled the card and called the company to make sure everything was ok. I then started receiving statements saying I owed {$450.00} so I called them again and they agreed to cancel the fee even though I kept calling. My credit score just took a hit of XXXX points do to a past due non payment on a {$0.00} account which has been cancelled and then called them again today ( XXXX ) and eventually got to a person after 2 hours of being transferred and they said my account was XXXX! Very frustrating trying to pay a XXXX bill on a cancelled account! What can I do?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 330XX
Submitted Via: Web
Date Sent: 2023-04-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A