Date Received: 2023-02-21
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Citibank closed my bank accounts and issued me 3 official checks. All 3 were deposited into my checking accounts, 2 checks cleared and the 3rd had a stop payment put on it by Citi bank. Citi bank now refuses to give me my money that was in the account at closure of the account. Also they refuse to close my brokerage account and let me withdraw those funds. I do not owe Citi bank any funds. This constitutes theft and malpractice
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95825
Submitted Via: Web
Date Sent: 2023-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-21
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: From : XXXX XXXX XXXX ( cell XXXX ) To : Consumer Financial Protection Bureau Subject : Vendor sold me broken XXXX Refrigerator / Never Replaced / Vendor Affiliated Credit Card Company Did not issue refund I purchased a brand new refrigerator on XXXX from XXXX XXXX in XXXX XXXX, Illinois by applying and financing the purchase through their Brand Source credit card which offered deferred interest payments for 12months. By XXXX of XXXX the refrigerator was broken, making a tremendous loud noise. A repair man was dispatched by XXXX XXXX to my house on, XXXX, the name of the repair company was XXXX XXXX XXXX XXXX, XXXX XXXX, Illinois, XXXX, XXXX. The repair man made an initial assessment and determined that the appliance was indeed broken and ordered parts. ** ( It is important to note that XXXXXXXX XXXX and XXXX XXXX are able to communicate between each other in order to determine serviceability of a repair and whether or not an appliance needs to be replaced ). ** Over the next several months XXXX XXXX XXXX gave me repair status updates, but XXXX XXXX XXXX ultimately determined that my refrigerator was not able to be fixed. XXXX XXXX told me that because the appliance was not fixable and an attempt was made for it to be fixed, XXXX XXXX needs to provide replacement ( my appliance owners manual page 44 states that a new XXXX fridge has a 1 year warranty, document attached ). When I, in good faith attempted to ask for a new refrigerator in person at XXXX XXXX, XXXX XXXX, the salesperson became angry and irate and I immediately left. When I attempted to call XXXX XXXX customer support via phone, I was met by two angry representatives and was not able to resolve the issue. Since I financed the purchased through XXXXXXXX XXXX credit card Brand Source, I did submit a purchase dispute. Although the appliance was broken, I kept paying the monthly credit card payment. I was also forced to pay the remaining balance on the appliance before the 12 month interest free agreement expired, had I not done so, it would have resulted in me paying the total interest of the purchase. Brand Source on XXXX sent a final letter saying that too much time had elapsed since the time of purchase ( all letters attached ), yet I submitted all evidence to Brand Source in XXXX to show that a 3rd party ( XXXX XXXX XXXX did document it was broken. I spoke to several customer service representative via phone from Brand Source in late 2022. After I contacted Brand Source, I started to receive random pieces of XXXX fridge parts in the mail. I am not a repair person nor would I know what to do with random pieces ( images attached ). It also lends to the fact that all parties acknowledge that I have a broken appliance. I am seeking to be made full, I want to receive a refund of the full purchase price of the appliance so that I may buy with another vendor because I no longer want to do business with XXXX XXXX and its credit card affiliate Brand Source. I am a XXXX veteran and this purchase is too much for me to replace on my own. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60142
Submitted Via: Web
Date Sent: 2023-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-21
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: XX/XX/XXXX : citi advises me via text and email there may be a fraudulent charge attempted. I call and it is for a furniture store. They say it is through a virtual card number ending in XXXX. They tell me No need to do anything because is it is a virtual card number and they declined, no need to replace physical card. XXXX I call several times advising citi there are more charges on the XXXX card number They tell me they can not see them and can not access my virtual card number transactions, they guide me through how to turn card off. It wont work. Screen shots below. I am transferred back and forth between tech support, fraud dept but nobody can seee these charges that I am telling them are not mine. XXXX. XX/XX/XXXX. XXXX XXXX, I have never been on XXXX so this cant be mine. Still outstanding XXXX. XX/XX/XXXX XXXX XXXX. {$250.00}. After citi denied my dispute and said I have to pay called, they told me this restaurant has been out of business for a year. And they only have locations in XXXX XXXX. I am in XXXX. Still outstanding XXXX. XX/XX/XXXX : XXXX XXXX XXXX XXXX {$960.00}. After citi denied my dispute and said I have to pay called, they told me the order had been voided in their end because they suspected fraud. They refunded the {$960.00}. They are also only in the XXXX and the order was to deliver to XXXXXXXX XXXX Resolved by me. XXXX. {$40.00} XXXX XXXX XXXX XXXX. This is in XXXX. I live in XXXX. Denied by citi, but still outs XXXX {$270.00} XXXX XXXX XXXX I called the spa while the day rhe charge was pending. They ended up refunding.. also in the XXXX area, nowhere near XXXX. I have been through every department citi can offer. I have answered their questions and asked to have it reviewed on XX/XX/XXXX. Nothing had happened. I even reached out via XXXX messenger during all of this. Nothing happened. I literally do not know what else to do. I just want the charges removed. I have spent XXXX hours dealing with this and they record all their calls and have notes in system about what happened with nobody being able to shut down this virtual CC number even though I called to report charges as they were happening. Please help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 780XX
Submitted Via: Web
Date Sent: 2023-02-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-22
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Late XXXX I was sent two 1099-INT forms in the mail by CITIBANK. XXXX 1099-INXXXX was valid for the savings account I have with them. The other 1099-INT was for an account I did not have. I called CITIBANK banking customer service line on XXXX and spoke with 4 associates and one manager about this issue. I was informed that the account number listed on the extra 1099-INT form was not a valid account number. They also informed me that the interest earned amount of {$390.00} was not an amount on my actual savings account. They finally informed me that the description of " bank promotions '' was not something they recognized. They had no record on file of this 1099-INT form being created or mailed out- yet it was sent to the IRS with my social security and name associated with it. I explained that if the form was generated then it must exist somewhere. I was given a case number and told that this would be investigated by the " back office '' and I would have a resolution in a week. Today on XXXX I called the customer service line again to inquire on the status of this. The first time I was hung up on and the second time ( after threatening to file a complain here ) was left on an indefinite hold of 15+ minutes with no response. I am reluctant to file my taxes because I don't want to claim interest on money that I did not receive from CITIBANK and I also don't want the IRS auditing me for not reporting it. There has been no attempts from CITIBANK to help, explain or rectify this situation. I have asked to speak to managers, supervisors, or anyone in their tax department who might be able to help. I am denied and given the run around. This is not only an ethical violation, but bank fraud to claim they paid me interest on an account that doesn't exist with them
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85381
Submitted Via: Web
Date Sent: 2023-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-22
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: SEARS/CBNA has failed to comply with the Gramm Leech Biley Act 15 USC 6802. They never gave me the ability to opt out and used my information without my permission, which is identity theft. There was also no Permissible purpose for Account # XXXX and Account # XXXX to be listed on my credit report. Both permissible purpose law ( 15usc1681b ( A ) ( 2 ) and the GLBA have been violated and it is identity theft. According to 18 USC 1028 ( a ) ( 7 ), it defines identity theft which is just someone possessing, transferring or using a means of identification of another person unlawfully. This is what took place. XXXX, XXXX, XXXX and SEARS/CBNA " regularly engage in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. These companies have all violated either of the two which both constitute identify theft. I have contacted the Attorney General 's Office, XXXX, FTC and the CFPB numerous times and nothing has been done about the violation of my consumer rights. I demand Account # XXXX and Account # XXXX to be removed from my credit report and file or I will be seeking statutory damages since you willfully violated the obligations under the FCRA.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33614
Submitted Via: Web
Date Sent: 2023-02-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-22
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Removing hard inquiries from my credit
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 322XX
Submitted Via: Web
Date Sent: 2023-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-20
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: For the last two months I have been trying to access my life savings which is with Citi Bank. The refuse to help me and tell me my account is inactive and to send in a notarized form to request my account be re-activated. I sent a certified letter tracking # XXXX via USPS. I confirmed with Citibank that they received the request and my account was active. I attempted several times to initiate a transaction via ATM debit and online transfer. When I call the customer service line I receive conflicting information from every agent I speak to. At this point I want to close my account and want my money back. Citi is holding {$280000.00} of my life savings hostage and won't provide a digital means of reinstating my account. Citi does not have any branches locally in XXXX or XXXX Texas. When I call the toll free line they send me to an offshore call center and the customer service is way below standard of a bank of this size. Please help me I'm desperate to get my money back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78613
Submitted Via: Web
Date Sent: 2023-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-20
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: There is a Citibank offer last XXXX ( the offer is still on going ). If a new customer opens checking account for the 1st time, and deposits {$15000.00} for more than XXXX, then I can get {$400.00} bonus. Therefore, I opened my 1st bank account and deposited {$15000.00}, and I checked with CITI banks customer service that Im eligible for the offer after I applied the promotion. I was supposed to get {$400.00} by XXXX XXXX, but I didnt get it until the mid of XXXX, so I called customer service again. The representative double confirmed Im eligible for the offer, but the back office is super busy because its end of the year. She also told me I can receive the offer in the 1st week of XXXX, but I didnt get any offer or feedback from CITI XXXX After that, I called again, and the another representative submitted the investigation ticket because shes not sure why my case is being delayed. At that time, she also confirmed that Im eligible for the offer. She told me I could get any feedback and offer within 5 business day, but I didnt get any feedback. After that, I called the customer service more than 10 times, and EVERYTIME WAS SAME ANSWER : I am eligible for the offer and my case is under investigation with the urgent case note, and I could get any feedback and offer within 5 or 10 business days. I also talked to several supervisors, and they also confirmed it. However, I never got any feedback from CITI, and when I called last Friday, another representative told me Im not eligible because some kind of promotion code was not attached. I followed every step as the guide said, and CITI representative confirmed Im eligible for the bonus offer right after I applied, and more than 10times from different representatives everytime I called. I also talked to supervisor, and she kept saying shes sorry for all the wrong information and inconvenience but theres nothing they can do. They couldnt told me what kind of code was missing because they didnt know, either. This does not make sense at all, and I can not believe how CITI bank scammed customers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07010
Submitted Via: Web
Date Sent: 2023-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-20
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: There is a Citibank offer last XXXX ( the offer is still on going ). If a new customer opens checking account for the 1st time, and deposits {$15000.00} for more than 3months, then I can get {$400.00} bonus. Therefore, I opened my 1st bank account and deposited {$15000.00}, and I checked with CITI banks customer service that Im eligible for the offer after I applied the promotion. I was supposed to get {$400.00} by XXXX XXXX, but I didnt get it until the mid of XXXX, so I called customer service again. The representative double confirmed Im eligible for the offer, but the back office is super busy because its end of the year. She also told me I can receive the offer in the XXXX week of XXXX, but I didnt get any offer or feedback from CITI XXXX After that, I called again, and the another representative submitted the investigation ticket because shes not sure why my case is being delayed. At that time, she also confirmed that Im eligible for the offer. She told me I could get any feedback and offer within 5 business day, but I didnt get any feedback. After that, I called the customer service more than 10 times, and EVERYTIME WAS SAME ANSWER : I am eligible for the offer and my case is under investigation with the urgent case note, and I could get any feedback and offer within 5 or 10 business days. I also talked to several supervisors, and they also confirmed it. However, I never got any feedback from CITI, and when I called last time which is 2 weeks ago, another representative told me Im not eligible because some kind of promotion code was not attached. I followed every step as the guide said, and CITI representative confirmed Im eligible for the bonus offer right after I applied, and more than 10times from different representatives everytime I called. I also talked to supervisor, and she kept saying shes sorry for all the wrong information and inconvenience but theres nothing they can do. They couldnt told me what kind of code was missing because they didnt know, either. This does not make sense at all, and I can not believe how CITI bank scammed customers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07010
Submitted Via: Web
Date Sent: 2023-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Best buy credit card citi bank issuer Had good account history for months of on time payments an auto pay from XXXX XXXX Then XXXX XXXX had several failed system issues there entire system crashed numerous times causing people to be stranded without funds or ability to pay for goods an services. I was one of the victims XXXX contacted me an pressured me to not sue them or they would close my account. Because of these issues with payments not being processed best buy citi credit card was closed I was informed by citi it would be closed. They continue to charge me interest I tried to settle the account but they charged me more then my credit limit in fees. If an account is closed why would you keep charging a customer for it. I'm fighting without help can you assist in resolving this I would like to pay the settlement amount they will offer from the total XXXX. Contact me
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34652
Submitted Via: Web
Date Sent: 2023-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A