Date Received: 2023-03-15
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I had a credit inquiry from Citibank but I havent applied to them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ID
Zip: 83709
Submitted Via: Web
Date Sent: 2023-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-15
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX, I requested an external transfer from Citibank. The request was scheduled for XX/XX/XXXX. The transfer " failed '' according to Citibank despite there being no problem when I submitted the request. Then, the yardstick moved to say no external transfers until XX/XX/XXXX. I have tried multiple times. No transaction is allowed to go through. I have only been allowed to make 2 withdrawals a month since XXXX as I try to remove all of my money and close the account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 306XX
Submitted Via: Web
Date Sent: 2023-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-15
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Hello. I submitted an external transfer request from my Citi savings account on XX/XX/23, which I then immediately canceled. Prior to cancelation, I confirmed that if the transfer were to be canceled prior to XXXX, then there would be no debiting from my account and no money movement would occur. That was not the case. Nearly half of my savings was in the " pending '' status for TWO WEEKS! I called Citi multiple times, and nobody was able to help me. After physically going into a branch, they submitted my case to an investigation team. The issue with this is : 1 ) The money should have NEVER been debited from my account 2 ) I did not have access to HALF my life savings for nearly TWO WEEKS! I need access to the funds to make a very important business decision. Now, I am late on the investment and am dealing with multiple monetary/logistical issues. This should have never happened, and I was never given a reason as to why my money left the account and was pending without explanation for half of XXXX XXXX. This is not fair to me and is incredibly unjust. Since the bank is not willing to help me, I figured it would be best to reach out to you to offer me assistance. I would like accumulated interest returned to me for the two weeks this large sum of money was " pending '' for.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33160
Submitted Via: Web
Date Sent: 2023-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-15
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I received a credit monitoring alert at XXXX in the morning from my Chase XXXX banking app, that there had been a NEW hard inquiry placed on my credit report from XXXX XXXX. on XX/XX/2024 I called XXXX ( the bureau that alerted me ) and had a Fraud alert placed on my XXXX account. Next I called XXXX XXXX and spoke with their fraud department and was told there was nothing I could do but dispute the hard inquiry with XXXX. I was told by the XXXX XXXX fraud agent, that it was probable that my social and other info was being used by someone else to commit fraud, and that there was nothing he could do. He mentioned that he could not find any accounts with my social, name or phone number. I have indeed disputed the hard inquiry with XXXX and was told it would be removed from my credit file within a few days.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78501
Submitted Via: Web
Date Sent: 2023-03-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-15
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I applied for a Citi Bank Simplicity card and received it in the mail about 4 weeks ago. They had an advertised special of being able to make balance transfers with 21 months 0 % interest and a 3 % balance transfer fee good for 3 months that is good on my card until XX/XX/2023. When I received the card, I set my account up online. I had to go to Citibank.com to set it up and I did it successfully. I decided to do a balance transfer today. I could not log on. It said my password was incorrect but it wouldn't let me change my password, even with trying to put in the 16 digit account number. There were two phone numbers listed to call for help. Neither number was an operating number. The numbers are XXXX and XXXX. I called the number on the back of the card. I was on the phone with them for over an hour. They could not verify my account, not even my phone number. They tried to text me a verification code to m phone, but it would not come through on my phone. Even with the 16 digit card number and the security CVV code on the back, they couldn't verify my account. They kept saying I had set up a security code when I registered on-line and wanted that code, but I was not asked to set up a security code in the first place. Also, when I tried to sign in on-line, it says they are in XXXX. I talked to two women I could not understand. At the end of the almost one hour conversation, she wanted to send me a verification letter in the mail. I told her no, that I'm not waiting on a letter and that I think they are a scam company. I told her I want to close the account but she totally ignored me and kept saying they would send me a verification letter. I finally hung up. Now I'm really afraid this is a scam and I'm afraid charges are going to be put on this card that are not mine. The last woman I talked to was supposed to be in he technical support dept. That number is XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 383XX
Submitted Via: Web
Date Sent: 2023-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-15
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: Citi Bank again same time as last year cut my credit card limit by over XXXX XXXX XXXX within two days of paying it off. I am accountant I use my cards through the year and pay them off during tax season, I have never missed a payment nor been late. I make over XXXX XXXX XXXX XXXX a year, there is no reason to cut my limit so drastically without any warning and right when I pay it off. This continues to hurt my credit score rating and my life by showing my credit limit needs to be cut when in fact it doesnt.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85268
Submitted Via: Web
Date Sent: 2023-03-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-15
Issue: Getting a credit card
Subissue: Problem getting a working replacement card
Consumer Complaint: I have not received the card I applied for and I only applied for the card for a emergency situation and now their telling me theyre having problems issuing cards which I should have been made aware of before applying
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30248
Submitted Via: Web
Date Sent: 2023-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-15
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Multiple Fraudulent transactions going to cashapp & ive filed a fraud claim with CITIBANK, they told me the claim was denied because i authorized the transactions but thats not possible. my debit card information was compromised & used without my consent. Over $ XXXX stolen from me & they refuse to give me my money back. this is the worst experience ive had with a bank, i should be covered by Regulation E, i dont know what else to do besides file a CFPB Report. The cashapp name isnt even in my name so im confused why my claim was denied.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 52804
Submitted Via: Web
Date Sent: 2023-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-15
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: CitiBank has locked my account due to " fraud '' after I just asked for a new card because of past fraud they never caught. They now are saying after I verified my name, address, secret code, etc. that they CAN NOT send a verification number to the phone I have had on file for many years with CitiBank. They said the only way they can verify and unlock my card is by sending mail which will take over 7 business days to get here to verify my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85259
Submitted Via: Web
Date Sent: 2023-03-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-15
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I've been a Citibank credit card account holder since 2008, and it recently came to my attention that I'd been enrolled in their " XXXX XXXX '' program unbeknownst to me. This is a program that, to the best of my knowledge, I've never agreed to participate in, but have nonetheless been subject to, exposing me to years of monthly fees totaling in the thousands. Over the past months I've contacted Citibank on numerous occasions requesting proof that I willingly enrolled in the " XXXX XXXX '' program. In each instance no such proof could be relayed by phone, only a promise to share such details by mail. I've since received two identical letters ( one of which I'm including in this complaint ) suggesting that I enrolled in the program XX/XX/2008 with no evidence to support my authorization ( something that was promised when speaking to Citibank representatives by phone ). What's more, when speaking with Citibank representatives I was assured this was a program I would have had to proactively enroll in, suggesting that such proof of consent exists. Still, no details have been offered. As far as I can tell Citibank fraudulently enrolled me in their " XXXX XXXX '' program, collecting monthly fees I never authorized and has placated me in all attempts to refund said monies.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90404
Submitted Via: Web
Date Sent: 2023-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A