Date Received: 2023-03-11
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Bank has closed my account 4 months ago, yet I haven't received my check for {$10000.00}. They shipped out the check, however it was lost and I never got it. I called for 2 months every 3 days and they kept saying they will issue out a new check yet they haven't. Every time I call it's the same story, we sent a notice to the back department. I'm sick of it and will be filing a lawsuit if it's not given to me by XX/XX/23. Bank withheld funds past 120 days!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 113XX
Submitted Via: Web
Date Sent: 2023-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-09
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/23 I attempted to pull out {$12000.00} for a medical procedure from my Citi Bank savings account. I was unable to use the ATM card provided by Citi bank due to a transaction limit. I called and discussed different options such as transfers and wire transfers to other accounts that I could utilize to gain access to the funds. Upon discussing this with multiple reps this day I determined Citi Bank was making it very difficult to gain access to the approximate {$19000.00} I had inside of my savings account. I spoke with one last representative after transferring {$10000.00} via wire transfer to my XXXX XXXX account and discussed that I could not transfer anymore or pull even {$800.00} out of the ATM and that I was highly frustrated that even though I had not reached my {$5000.00} spending limit in the past 3 days, I was still unable to pull out cash to cover the remaining balance of my procedure. He walked me through initiating the wire transfer to my external bank account for the remaining amount in my savings account because I feared at this point that I would not have access to these emergency funds in the future. I initiated that transfer on the phone with him on XXXX for {$8800.00} less the amount for the {$25.00} transfer fee, to my XXXX XXXX account ending in XXXX. I received an email stating it was pending.on XXXX I realized the wire transfer had still not recorded into my XXXX XXXX account. I went to my Citi Bank banking account and noticed I lost all access to my Citi bank account. I was unable to log in and see my balance and verify anything. I called to verify the transfer only to find out that my account was closed! It was referred for closure by Citi Bank and they were unable to disclose why. They did not want to disclose my balance at the time of closure and the reason for closure. I stated multiple times I needed access to these funds for medical purposes. I was referred multiple times to the fraud department and verified my identity a number of ways. They refused to worked with me transferring me multiple times and telling me that my funds will be mailed in the form of a check to my address in XXXX days. I feel Citi Bank did not want to release my funds from the very beginning of this entire transaction. They have {$8800.00} of my funds and will not disclose why they can not release it and why they have closed my account. I have included a photo of a transfer to the Citi bank account when originally funded from the XXXX XXXX account I was attempting to wire money back to.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85388
Submitted Via: Web
Date Sent: 2023-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-09
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: Hello, My billing statement does not make sense. It says my mininum payment is {$150.00}. If I pay only the minimum payment, it will take me XXXX years to pay it off. The next line states that if I pay {$140.00} a month, it will only take me XXXX years to pay it off. How is that if I pay less the minimum payment it will take me less time? I have called, emailed, posted on social media to deaf ears.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 983XX
Submitted Via: Web
Date Sent: 2023-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-09
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I checked my credit report and I see this account reporting erroneous information and unverifiable. My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90501
Submitted Via: Web
Date Sent: 2023-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-09
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: my company checking account started to show fraudulent transactions on XX/XX/XXXX, I reported to Citibank on XX/XX/XXXX, but the fraudulent transactions still keep coming in with a total of 11 fraudulent ACH transactions before citibank finally closed that account and open a new accunt for my company on XX/XX/XXXX. Citibank refunded all of these 11 fraudulent ACH items but on XX/XX/XXXX, they took {$220.00} ( one of the fraudulent item ) from my account and said that ACH is appropriately applied while it was 100 % fraudulent. There were other 6 fraudulent items from that same vendor ( XXXX XXXX ) which were all refunded to me without issues. This particular item showed up on my account on XX/XX/XXXX {$220.00} as ACH DEBIT XXXX XXXX Mobile Payment, I reported on XX/XX/XXXX along with other 2 transactions, Citibank sent a STOP PAYMENT confirmation on XX/XX/XXXX, and refunded that {$220.00}. But on XX/XX/XXXX, Citibank deducted {$220.00} from my account and sent a letter saying they found that the ACH transaction was " appropriately applied '' - ignoring the STOP PAYMENT request executed and the fact that there were 6 others fraudulent transactions from XXXX XXXX ACH debit which were all found to be frauds and refunded without issues.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-09
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: On XX/XX/XXXX Best Buy charge my credit card account for {$870.00} I disputed the charge as I had ordered appliances from them on XX/XX/XXXX total charge was XXXX {$170.00}. On XX/XX/XXXX a stove that was in that order was canceled which resulted in a credit to that charge of {$170.00}. On XX/XX/XXXX a stove that was in that order was canceled which resulted in a credit to that charge of {$740.00} which made the balance {$4400.00} on XX/XX/XXXX there's a separate line charge for a new stove that I placed and that amount for stove was {$3100.00} I also had a total Tech charge of {$210.00}. I contact the credit card immediately for the charge on XX/XX/XXXX advising that I did not order anything and they were apologetic and said that they would remove the charge immediately. Come to find out they never did remove the charge and it subsequently ended up on my credit card. So I get a spirited charge with Best Buy credit card and total Tech and best buy 's fraud department Best Buy fraud department said that I owed the charge cause I linked it back to the original order on XX/XX/XXXX which is incorrect because I already paid for a For a washing machine on that orperiod thon XXXX of XXXX they credited me back for the {$870.00} On this month 's statement do XX/XX/XXXX they have charged and a purchase cash advanced fee which is {$880.00}. I have contacted both Best Buy credit card company and Best Buy total tack and I have been given the run around credit card companies says they'll just spit it to Best Buy when I go to Best Buy to verify it they tell me they have no records of these charges but the credit card company will not remove these XXXX items from mywithout Best Buy saying that they need to be removed and Best Buy says they can't remove them because they don't have any receipts for them I'm surely hoping that you can help me get this resolved because this has been going on since XX/XX/XXXX I've gone to the Best Buy store and had the store manager XXXX XXXX help me she concurs with me that both these charges are invalid there are no receipts to back them. I have spoke to the guys in the total Tech and they've gone through the receipts in my file and there are no receipts for these XXXX charges
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85303
Submitted Via: Web
Date Sent: 2023-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-09
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: On XX/XX/XXXX Best Buy charge my credit card account for {$870.00} I disputed the charge as I had ordered appliances from them on XX/XX/XXXX total charge was XXXX {$170.00}. On XX/XX/XXXX a stove that was in that order was canceled which resulted in a credit to that charge of {$170.00}. On XX/XX/XXXX a stove that was in that order was canceled which resulted in a credit to that charge of {$740.00} which made the balance {$4400.00} on XX/XX/XXXX there's a separate line charge for a new stove that I placed and that amount for stove was {$3100.00} I also had a total Tech charge of {$210.00}. I contact the credit card immediately for the charge on XX/XX/XXXX advising that I did not order anything and they were apologetic and said that they would remove the charge immediately. Come to find out they never did remove the charge and it subsequently ended up on my credit card. So I get a spirited charge with Best Buy credit card and total Tech and best buy 's fraud department Best Buy fraud department said that I owed the charge cause I linked it back to the original order on XX/XX/XXXX which is incorrect because I already paid for a For a washing machine on that orperiod thon XXXX of XXXX they credited me back for the {$870.00} On this month 's statement do XX/XX/XXXX they have charged and a purchase cash advanced fee which is {$880.00}. I have contacted both Best Buy credit card company and Best Buy total tack and I have been given the run around credit card companies says they'll just spit it to Best Buy when I go to Best Buy to verify it they tell me they have no records of these charges but the credit card company will not remove these XXXX items from mywithout Best Buy saying that they need to be removed and Best Buy says they can't remove them because they don't have any receipts for them I'm surely hoping that you can help me get this resolved because this has been going on since XX/XX/XXXX I've gone to the Best Buy store and had the store manager XXXX XXXX help me she concurs with me that both these charges are invalid there are no receipts to back them. I have spoke to the guys in the total Tech and they've gone through the receipts in my file and there are no receipts for these XXXX charges
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85303
Submitted Via: Web
Date Sent: 2023-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-09
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: I just opened a high yield savings account about a month ago. I am trying to transfer some money from this account into my XXXX XXXX account but Citi is refusing to transfer MY MONEY. Every time I try to transfer, I get an " Access Blocked, For security reasons, we can not allow you to proceed. If you require assistance, please contact Citibank Online Customer Service and mention Error Code MFA ''. I then call customer service and they are no help. I want to transfer my money using the " instant transfer '' method and I refuse to use the " wire transfer '' method as that costs {$25.00}. This is extrememly frustrating and I have noticed a lot of other people have been having the same problems. This needs to be fixed now Citi. Now..
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48236
Submitted Via: Web
Date Sent: 2023-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-09
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: XXXX notified me with an email that THD/CBNA had did an account inquiry. Notice said Installment Loan or New Bank Account Inquiry. Address of Bank : XXXX XXXX XXXX XXXX XXXX. XXXX, UT XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90606
Submitted Via: Web
Date Sent: 2023-03-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-09
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: I disputed CITIBANK N A, Date : XX/XX/XXXX inquiry with XXXX and CBNA/THD, Date : XX/XX/XXXX inquiry with XXXX as I did not authorized the inquiries. The first dispute letter was sent on XX/XX/XXXX and the second on XX/XX/XXXX. Afterwards, I disputed the same inquiry online. They responded to the online dispute by stating they were able to verify this inquiry. But how is that possible? 1 ) I did not apply for credit from CITIBANK and/or HomeDepot on XX/XX/XXXX. 2 ) I did not receive nor was I denied credit from CITIBANK and/or HomeDepot on XX/XX/XXXX. To assist the bureaus ' further investigation, I attached the screenshots of my customer account with HomeDepot, which clearly shows that I do not currently have and never had any credit account before with this company. Moreover, the screenshots also show NO pending or NO DENIED applications for any credit product they currently have. Moreover, on the same day of the inquiry, XX/XX/XXXX, I contacted the HomeDepot Credit Department ( XXXX ) and informed about the unauthorized inquiry on my credit report, telling them that I did not apply for a credit card with their company. Since then, they havent done anything, thus violating my rights under FCRA. Please see attached the disputed inquiries as well as screenshots from my HomeDepot account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91205
Submitted Via: Web
Date Sent: 2023-03-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A