Date Received: 2023-03-07
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: To whom this may concern, On XX/XX/XXXX I reached out to Customer Service of Citigroup to ask for a refund of overpayment during XXXX. I was told I needed to show proof of bank statements. However, I did not have that kind of proof since the bank account where the automatic payments were made had been closed and thus I had no access to electronic bank statements to show these transactions and even less the paper records. On XX/XX/XXXX I reached customer service from Citibank again since I found records of such extra payments through my annual credit report and a letter I received ( for tax purposes ) regarding the payments made during XXXX and that should be refunded since the loan had been forgiven. I have been receiving ambiguous responses from customer service that lead me to believe they just want me to drop the topic. On XX/XX/XXXX I placed a complaint about this issue. On XX/XX/XXXX, I received a notice ( attached ) letting me know my name was not listed in the loan account and so I am submitting this new complaint with more verification documents hoping this time I can get the refund I have been requesting for many months now.
Company Response:
State: WA
Zip: 98122
Submitted Via: Web
Date Sent: 2023-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-07
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I had 6 total account at citi bank checking/savings for both my XXXX XXXX and self. One of those accounts was hacked and we noticed someone was sending XXXX and XXXX XXXX wires from his account. Taking money out his savings placing it in the checking and continue from there. We lock the card and accounts to stop the transactions, the bank supposedly open a case to investigate. Advice that we closed those account and open new ones to be able to transfer his money. We did all as advice. At that point I was locked out my online banking. I went back to the branch to get this fixed and this is where they told me they could no longer do bussiness with me do to a 2 checks deposit with no funds to the checking account we had already closed. Not only this didnt make any sense but they was now holding all my funds, and my XXXX XXXX accounts. But they was not even giving me the option to open a next account. I spend hours on the phone trying to get some answers, requesting call back from manager or supervisor that can explain the why I was being banned from the bank or who was I going to be able to get my funds ( 4days later now no call back ), went to the branch a few times they try calling on their end all they was getting is they was not to do business with me. I end up making an appt with the branch manager after explaining and the other clerks involved vouching for me she was able to release some of the funds but still her client service was telling them not to do business with me nor open new accounts nor anything. I keep calling no one on their customer service was understanding my point all they keep talking was about the checks I do not know where from, they not talking about day before this I had reported this fraud, nor they acknowledging I was the victim here and they was victimizing me even more by holding my money that was not even in the accounts with the issue. And that no one could help me or call me back to give me any answers. Attached are some of the emails we still gettign on an account thats been close still hackers accessing it and making transactions. And the ones we was noticing and the reason why we made the report on the first place and they still allowed this hackers to keep going in the account. How is that our fault as clients?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06825
Submitted Via: Web
Date Sent: 2023-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-07
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: After making a payment exceeding 50 % of balance owed they closed my account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48910
Submitted Via: Web
Date Sent: 2023-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-07
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Hello, I need a corrected 1099-INT form for XXXX from Citibank. The following is what happened ; On XX/XX/XXXX I went into my local Citibank branch ( XXXX ) and I cashed an XXXX {$5000.00} Savings bond # XXXX that was issued XX/XX/XXXX. That Bond should have paid {$9800.00} with {$4800.00} in interest. The teller credited my account {$18000.00} with {$13000.00} in interest. I told the teller " that's a mistake '' but she told that's what the system says it's worth. A week later I got a call from Citibank saying a mistake was made and that they overpaid me {$8800.00} in interest and they would be withdrawing that amount from my account which they did on XX/XX/XXXX " but not to worry they would be sending me a correct 1099-INT for XXXX ''. Citibank did not send me the correct 1099-INT they sent me a form showing that I was paid the extra {$8800.00} which they deducted and I would have to report as income on my taxes. I immediately called the Citibank number on the 1099 Form XXXX and after explaining the situation to multiple representatives I was told by a supervisor that it was Treasury Direct 's mistake and I need to call them to correct it. I said that doesn't seem right but I called Treasury Direct and was told by a TD Supervisor it's Citibank 's responsability to send me a corrected 1099-INT. I called Citibank back and got the same line that it's Treasury Direct 's responsibility. I then went into my local branch on XX/XX/XXXX and spoke to the manager XXXX XXXX with all my paperwork which she copied and opened a Citbank investigation numbered XXXX and told me to wait 5-10 days. I called her after 10 days and was told they hadn't looked at my case yet. I told her I was having my taxes done XX/XX/XXXX before I leave the country and she said she would request they expedite it. I called back after another 5 days and they still hadn't looked at it so XXXX suggested I file an internal Citibank complaint which I did. 5 days later, no one will look at my case. I uploaded my incorrect 1099-INT to my accountant with an explanation yesterday and I called Citibank again XXXX They told me to once again to call Treasury Direct who told me Citibank is WRONG and to file a complaint with the CFPB. I've attached my documentation and I'm so thankful to have your agency to reach out to. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10034
Submitted Via: Web
Date Sent: 2023-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-07
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I the consumer applied for a Home Depot credit card and was denied. According to the Equal Credit Opportunity Act, Adverse action against a consumer is against the law. This is codified in 15 USC 1691c and is pursuant to civil liability under 15 USC 1691k. I have proof of discrimination by Home Depot/Citi Bank due to their response by the company. See attached. Home Depot/ City Bank is in violation of 15 USC 1642, USC 1681m and 12 CFR 1002 because I the consumer made an application in good faith but credit was not issued. My SSN was used and I again received no benefit. This is proof of Fraudulent activity on Home Depot/Citibank behalf . I also, have additional information of certified mail sent to them by me to resolve this matter given credit can not be denied. I will await response back to fix this issue and will follow up with violation fees and damages caused by being denied. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48235
Submitted Via: Web
Date Sent: 2023-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-07
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: My credit card was lost, my way fair credit card issued by citi bank. The bank did not notify me of ANY transactions. This was a new card, only a few months old, only used for the purchase of one couch!!! There were countless purchases made in the card when it was lost and I got no fraud alerts or statements from citi. I saw my score dip on XXXX XXXX and I found out the card was lost. I calked citi right away. It took citi over a week to understand that the card was lost and the transactions were not mine. Today, my investigator told me and told me that XXXX XXXX XXXX had told them that they have footage of me at their property. I have asked to see the footage which the card company XXXX not have. The investigator has gone on vacation and has asked me to get information from XXXX showing its NOT me. And if XXXX gives me no information then the card company will assume its me. I would like to see if this was a chip transaction. If a phone or email was used!! I would like to see this footage. This is NOT me and unauthorized transaction for which I am not responsible. The burden is on the merchant!! Please get this footage!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NM
Zip: 87111
Submitted Via: Web
Date Sent: 2023-03-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-08
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: On approx. XX/XX/23, I was notified by my XXXX XXXX company that someone had opened a credit card in my name at CITI bank. I contacted Citi and was told that they had stopped the issue of the card. I then contacted XXXX XXXX and they proceeded to take a report and have the new credit card canceled and my credit report updated as well. In the interim, I received a call from XXXX XXXX asking if I had recently tried to open a new account there. I told them no and they said they would take care the problem. I then had XXXX XXXX have the credit bureaus put a fraud flag on my account which would prevent anyone other than me from opening new accounts in my name. In addition, the same week the credit card issue happened, my bank account was hacked, and the bank stopped the requested transaction, and I was required to open a new account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98275
Submitted Via: Web
Date Sent: 2023-03-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-08
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: On Friday, XX/XX/XXXX, I received a call from Citibank executive manager, XXXX. She apologized and told me how Citi was going to take discplinary action against employees involved in this case. This is regarding the Consumer Financial Protection Bureau now-closed complaint ID XXXX. I told her I am closing my account immediately due to what they did to me. XXXX told me they would overnight me my cashier check from the account I closed, an ACCELERATED SAVINGS account, and the check would include interest earned. She promised to email me a tracking number and even suggested that it will likely arrive Monday " because of the weekend, '' she said, even though it was a next day air. As of today, XXXXXXXX XXXX / EST on TUESDAY XX/XX/2023 she has not given me a tracking number, nor have I received the check with my funds. I have contacted the XXXX XXXX XXXX XXXXXXXX to who has kept my case open, to update my case. At this time, I consider my money missing and / or stolen.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 47408
Submitted Via: Web
Date Sent: 2023-03-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-08
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I received a notification from a credit monitoring company that on XX/XX/2023, someone opened a new credit card in my name ( or my maiden name ) at Best Buy. I did not open a credit card at Best Buy. On XX/XX/2023, I got a voicemail from Best Buy saying that they tried to send me mail but it was returned as undeliverable. I called Best Buy and they told me the fraudulently opened credit card has a balance, but they were going to close the card because of my fraud report. I don't know anything about the person who opened the account, although they apparently had my phone number as well since Best Buy contacted me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90008
Submitted Via: Web
Date Sent: 2023-03-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-08
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I opened a checking account with Citibank as part of a promotion on XX/XX/XXXX. The promotion offered a {$1000.00} bonus if I maintained a min {$75000.00} balance for 60 days. I funded my account on XX/XX/XXXX and became eligible for the bonus on XX/XX/XXXX. Payment of the bonus was to occur within 30 days of meeting the eligibility requirements on XX/XX/XXXX. I called Citibank on XX/XX/XXXX to inquire about the status of the bonus. I was told that I had met the eligibility requirements but that I still needed to submit a W-9 form. This requirement was not included in the terms and conditions of the promotion and was never communicated to me verbally or in writing. I would never have even known about the requirement if I hadn't called to inquire about the status of my bonus. I sent my W-9 form on XX/XX/XXXX and called two weeks later to check on the status of my bonus. I was told that it had not been received and that I should send another W-9 form. I requested a fax number, secure email, or physical address so that I could be sure that my W-9 form would be received and processed in a timely manner. I was instead provided with the same po box address to which I had sent my first form. I sent my W-9 form again on XX/XX/XXXX and followed up again on XX/XX/XXXX to inquire about the status of the bonus. I was told again that the W-9 form had not been received. I asked again for a secure method by which I could send my W-9 form and was told to send it to the same po box address. Rather than have them lose my documents again, I decided to file this complaint. I am of the opinion that the bank is seeking one of two outcomes ; ( 1 ) that new customers forget about the bonus or give up trying to receive it, or ( 2 ) the bank delays the payment of the bonus to such an extent such that they earn enough interest on the min deposit to offset the bonus payment. Either strategy is shameful, disingenuous, misleading, deceptive, and quite possibly illegal. I would be glad to provide additional details as need to hold this institution accountable and prevent them form committing the fraud on other unsuspecting consumers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 303XX
Submitted Via: Web
Date Sent: 2023-03-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A