Date Received: 2023-02-26
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: Closed my Macys credit card on XX/XX/XXXX because I learn when I tried to use the card in store was told my account was closed on XX/XX/XXXX by Macys for Inactivity. Called on XX/XX/XXXX spoke to XXXX ( Supervisor ) employee no. XXXX who said, she would close my account with Macys but XXXX instead of closing my Macys account XXXX opened without my authorization/permission another credit card with Citibank because Citibank bank is the credit center for Macys. So I only know the last 4 numbers of that new account XXXX opened in my name with Citibank because XXXX sent me a letter showing the new account number ( only last 4 digits ). I have called several times requesting different representatives to close both accounts but it has fallen on deaf ears. I have even asked Macys FRAUD Department, Macys local store manager, Macys Credit Department, and Citibank Credit Department to close both accounts with NO success.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: HI
Zip: 96797
Submitted Via: Web
Date Sent: 2023-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-26
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: In accordance with the Fair Debt Collection Practice Act FDCPA, If a consumer dispute a debt requesting the collection agency to validate the debt, the debt collector must stop all collection and reporting until it provides validation of debt. On XX/XX/XXXX, I sent CITIBANK N.A. a letter agreement # XXXX XXXX XXXX XXXX XXXX XXXX XXXX via UNITED STATES POSTAL SERVICES requesting validation of an alleged debt account ending in XXXX # XXXX XXXX. I requested, 1. Validation of the alleged debt ( the actual accounting showing a loss ) ; of the alleged debt with accordance to the General Accepted Accounting Principles ( GAAP ). 2. Produce the account and general ledger statement showing the full accounting of the alleged obligation that CITIBANK is attempting to collect. Such as ; XXXX XXXX balance sheet ( XXXX # s XXXX XXXX XXXX ), 1099 XXXX report, XXXX registration statement, XXXX prospectusXXXX XXXX & XXXX call schedules A complete payment history documented from original creditor. This requirement was established by the case Fields v. Wilber Law Firm, XXXX XXXX XXXX and XXXX XXXX USCA-02-C-0072, 7th Circuit Court , XXXX XXXX. 3. Verification of their claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act 1908, Section 23 ) ; 4. Proof of the actual account receivable 5. Proof of the existence of an alleged account and/or contract in the actual flesh and blood name of XXXX XXXX XXXX duly signed and witnessed by both parties and both seals, not a unilateral agreement and upon which signed page there is reference to the entire agreement. 6 requesting to also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorism Act 2020 and what actions s/he has taken in relation to this account. CITIBANK did not provide the above mentioned documents to validate the allege debt, but yet still continue to report to the consumer reporting agency and attempting to collect a debt from me. On XX/XX/XXXX 2023, I sent another letter agreement XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via UNITED STATES POSTAL SERVICES requesting them to send me debt validation documents of the alleged debt, still no documents have been provide. But continue to report to the consumer reporting agency and are attempting to collect a debt. Furthermore, CITIBANK is also in violation of my federally protected rights of the Fair Credit Reporting Act FCRA, by continuing to report information on my consumer report that has not been validate pursuant to 15 US CODE 1681s-2 ( B ) A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. Duty to correct and update information ; 15 US CODE 1681s-2 ( 2 ) ( B ) If a debt collector has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate. Additionally, CITIBANK also violated me pursuant to the FDCPA 15 US CODE 1692b ( 2 ), 15 US CODE 1692b ( 5 ), 15 US CODE 1692d ( 2 ). PLEASE SEE ATTACHED EXHIBIT
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91604
Submitted Via: Web
Date Sent: 2023-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-25
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I closed the account in XXXX XXXX after CitiBank continued to freeze my account for any and all purchases made with recognized merchants and regular occurrences ( i.e. XXXX, grocery stores, etc ). I called in and paid the account up and asked to close the account and any remaining fees. In XXXX XXXX the card charged me the XXXX $ annual subscription and later a fraudulent charge in XXXX XXXX. In XXXX XXXX I was notified of the late fees. I called in to resolve both charges on the account as I had previously closed the account, and the XXXX XXXX would be a fraudulent as I destroyed the cards previously. I had to call in XXXX separate times to fall up on these issues with CitiBank, was tossed around to XXXX different departments including their initial inquiry line, customer service, sales department for the annual fees, citi dispute department for fraud, and an escalation XXXX. The customer service department i escalated to XXXX and was assured they would waive the XXXX $ fee if i paid the XXXX $ fraudulent charge- to which I declined paying either. They said they would waive the fee but send me to the dispute department to handle the additional fee. I was forwarded to this department who was the most sympathetic to the bounce around and issues and opened/resolved the fraudulent charge and sent me to an escalation XXXX to ensure the account was closed as I asked for phone records to be evaluated. The escalation XXXX at that time told me they would have this monitored but could not hand me any reference numbers for calling back to monitor status as they are internal work orders. I started a new business in the new year and was attempting to open a business credit card and the only reason I was unable to is the late charges I have now accumulated from the XXXX $ annual fee never paid with my continued open disputes with CitiBank that I am constantly assured they are investigating or resolving. I called back XX/XX/XXXX to find out the fraudulent charge was indeed resolved, but the XXXX $ fee for XXXX was never paid up and I have been accumulating late charges now totally XXXX $ as of this point that needed to be paid. I once again bounced from the inquiry line XXXX to customer service XXXX to a citi dispute XXXX to then an escalation XXXX named XXXX in kentucky who once again had no notes on anything I detailed above and could provide no reference numbers for when i am tracking or trying to follow up on the status for these charges. XXXX reports that this never went to an escalation XXXX previously from when I was told it was, and she thought my account was not closed fully once again despite me having a letter it was closed, and that it was probably only a security closure. She assures me she is looking into it and the phone records ( which I was told previously ) but once again can not provide an issue reference number for tracking as these are internal work orders. Additionally, since last speaking to an escalation representative this morning, I now can no longer access the previous documents that showed my account closure notice and the fraud dispute resolution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60640
Submitted Via: Web
Date Sent: 2023-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-25
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: On XX/XX/XXXX I transferred a balance of {$1100.00} to my Citibank credit card. At this time, I was taking advantage of a promotional offer of 0 % apr on transferred balances. This promo apr was to expire on XX/XX/XXXX. At the time of this transfer, I also had an existing fixed-repayment balance on this card, something Citibank calls a " flex loan. '' This " flex loan '' balance is and was subject to a apr of 6.99 %. As my most recent statement, dated XX/XX/XXXX, confirms, the promotional apr rate for transferred balances expired on XX/XX/XXXX, increasing the apr on the remaining {$700.00} from my balance transfer to 22.49 %. On XX/XX/XXXX, I reached out to a Citibank representative to confirm that any payment above the minimum payment due ( {$330.00} ) would be applied to the highest apr balance, in accordance with federal law. I had this conversation over online chat, and I preserved a screenshot of the conversation. This was my third time reaching out to Citi. I had wanted to make the payment sooner so as to be doubly sure of avoiding any extra interest charges, but I was told expressly that so long as the 0 % rate was in effect any payment would be credited to the 6.99 % " flex balance. '' I was further instructed that I had to wait specifically until the XXXX XXXX XXXX in order for my payment to be credited toward the balance-transfer balance, which by then would be the higher apr balance ( at 22.49 % ). In accordance with the guidance I received from Citi, I initiated a payment on XX/XX/XXXX for {$1000.00} ( the amount of the minimum payment due plus the remaining balance-transfer balance ). Incidentally, when I initiated this payment through Citibank 's website, the website expressly confirmed that this was the amount I need to pay to satisfy my " flex loan '' payment and pay off what Citi calls on my statement the " adjusted new balance '' ( not a new balance at all in fact, just the remainder of the original balance transfer from last XXXX ). My statement indicates however that the payment was allocated entirely to the " flex '' balance. I still have a {$700.00} balance at 24.49 % apr. I reached out to Citi on XX/XX/XXXX to ask them to correct the misallocated payment. The agent told me that there was an " accounting issue '' with my card. I asked to be transferred to a supervisor, after which the supervisor, XXXX, told me that Citibank would " review '' my account and " give a decision '' after XXXX business days. I really have a hard time believing that these kinds of practices on the part of the banks are innocent accounting mistakes. In this case I made a good-faith, proactive effort to confirm that I was timing my payment in such a way as to ensure that it would be credited to the higher-apr balance. Citi seems to have ignored both the law and what they claim is their own policy, and they have saddled me with a balance that is still accruing exorbitant interest charges as we speak. In my view, Citibank 's behavior in this matter is quite predatory and clearly illegal.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95472
Submitted Via: Web
Date Sent: 2023-02-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-25
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: On XX/XX/23 at approximately XXXXXXXX XXXX I was contacted by someone stating they were a Citibank representative calling about suspicious activity with my debit card ( an Office Depot charge for {$1000.00} ). The number that called me was a XXXX number that matched the citi fraud phone number. They had all of my banking information but asked me to verify a few things for them. They also told me my XXXX was compromised and that {$15000.00} worth of transactions had been made through my account. At that point they said the bank was crediting me this {$15000.00} in order to cover the XXXX transactions but I would have to XXXX the money in order to cancel the fraudulent transactions. When I checked my account there was a citi credit for XXXX that I assumed was put there by the bank. I was told to XXXX various amounts that added up to this XXXX. I was told I was XXXX the citi bank supervisor ( XXXX XXXX ). Once the call was done, I contacted Citi to confirm it was actually the bank I was speaking to. I then found out there was no record of anything that just happened. In fact, someone had called Citi pretending to be me to take out a personal loan for XXXXXXXX XXXX as well as open two additional checking accounts in my name. I disputed everything that same day and froze my accounts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 105XX
Submitted Via: Web
Date Sent: 2023-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-25
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: On XX/XX/XXXX the XXXX percent intererst expired on my one of my balances. My balance was {$1100.00}. On XX/XX/XXXX, I paid {$1100.00}. Citi credited the payment to a different balance, under the same account, that has a 0.99 %. The XXXX percent interest that expired on XX/XX/XXXX was raised to 16.74 %. I agree, I would owe this interest rate from XX/XX/XXXX to XX/XX/XXXX, 8 days. Instead, Citi continues to allocate close to 100 % of all my payments to the balance on the 0.99 % balance. When I called Citi, the representative assured me the payments are allocated to the highest interest rate balance. For three months running, this is not true. From XX/XX/XXXX - XX/XX/XXXX, I have paid {$1500.00} to this credit card account. The balance on the high interest portion has been reduced from {$110000.00} to {$1000.00}. Citi has only applied {$63.00} to the high interest balance. On the high interest balance, I have been charged {$36.00} interest.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63017
Submitted Via: Web
Date Sent: 2023-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-25
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I had two account secure and unsecured never missed a payment for both, credit score was excellent, paid all my bills on time, I received a decrease on my score, because citi reported I missed two payments three years back which was false so I contacted citi, a rep said they will send me a letter showing that i didn't missed no payments, I waited entire month, so i called again, rep said its been mail give it time i knew it was a lie, so i contacted CFBP, after they were contacted by CFBP the following week my unsecured card was decreased, this was their retaliation because I contacted CFBP, but it didn't end there, they closed my account and I called I was told by a rep that they mailed out a letter, I got the letter three weeks later stating my account closed without any reason, so I called citi card and this time I spoke with management who then told me they don't have to provide a reason, so, I contacted CFBP again and CFBP contacted citi again and a week after CFBP contacted citi and me still paying my monthly payment on my secure card, that account was closed and an email on the citi app and letter stating my accounts are officially closed and I need to unlink my accounts from their app
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77459
Submitted Via: Web
Date Sent: 2023-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-26
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Account # : XXXX Charge Off/ Collections, and Late payments Reporting of late payments or transaction history are illeg al 15 U.S. Code 1681 ( A ) ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) -report containing information solely as to transactions or experiences between the consumer and the person making the report ; Once there is a Charge Off a 1099C needs to be given to the consumer, which I have not received. 15 U.S. Code 1605 A ( 5 ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss. A charge off turns into income and should not be reported on a consumer report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28306
Submitted Via: Web
Date Sent: 2023-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-24
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I opened a Citi Premier credit card with Citbank for a promotion that outlined that I would receive XXXX points once I spent {$4000.00} in 3 months. ( XXXX XXXX XXXX ) I opened the credit card, which took 2-3 weeks to get to me and the promotion had already started, giving me 2 months to fulfil the terms. As I was making a purchase today, my card was declined for insufficient funds. Citibank told me that I was only offered a credit line of {$3000.00}. I have enough income to have a much substantial credit line so it begs the question, why would a credit card company approve you for a credit line that is below the offer promotion, making it impossible to reach? The whole encounter with Citibank is bizarre and I believe they are misleading consumers with this promotion and degrading the trust of buyers and their brand in the process. I will be closing my account, but they should be held accountable for misleading consumers with false advertising and unethical business practices.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94610
Submitted Via: Web
Date Sent: 2023-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-24
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I rec 'd a promo I would get 10 % back if I used my card for grogery, gas and resturants in XXXX XXXX and XXXX. I used my card only for tht and every month earned enough to ge the max of {$120.00} back. XXXX and XXXX I got my money promised XXXX they never gave it to me I called and called and they said it could be XXXX cycles. Weird because I got my XXXX one in XXXX same with XXXX XXXX still nothing I signed up for a new promo to get {$70.00} back spending at grogery, gas and resturants again I meet the goal to get the {$70.00} never got it in XXXX or XXXX. They are getting us to use the card to get money from the places I use it but then never give me the money I was promised! I think this compnay needs looked into for false advertising and unethical business practices. I have included the two offers I rec 'd I show my bills with no credit in XXXX, XXXX and XXXX XXXX bill just released so I could not download it. I included a screenshot showing no credit on the word doc.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44641
Submitted Via: Web
Date Sent: 2023-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A