Date Received: 2023-02-17
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: On XX/XX/22 a purchase of {$83.00} I did not make on my Citi Diamond Preferred years was notified, they cancel card and issue me new card and they will revue and credited the XXXX XXXX.On XXXX new cards XXXX has another fraud chg, same company in amt of {$160.00}. I called, they cancel card and issue a new card. Rep says he will take of this and credit acct. New XXXX has a credit and then its added back on and now fees and interest starts to accumulate.All the while I am calling and getting nowhere or am being cut off, transferred to different depts, all the while thinking they are taking care of this. They are not. I would get form letters saying they are working on it, months go by and fees and interest are pilling up. I call and state to them that I am not liable and do not have to pay, they agree. Then in XXXX I get a letter from XXXX XXXX XXXX that the account is in debt collection. I contact them and tell them what is going on and they will investigate and they did.One month later they sent me a letter stating it is FRAUD and to contact Citi. I did via a Credit Report Dispute and Investigation form that I and none at Citi told me about fouund online. Sent that off with a written letter along with 6 attachments. Finally in XXXX I get a form letter from Citi with the same old info that they are forwarding to proper dept. This debt is less than $ XXXXand would think that it was in the thousands. I am now noticing that they have knocked my very good credit ratng down over 70 points.THIS IS MY GREATEST CONCERN. I hope this watered down explanation will help for the moment. The XXXX XXXX sent me every statement that they got from Citi as there reference material on this matter I can send anythying you need on my end if needed. Thank You from a consumer in XXXX yrears has never had a collection agency contact me for a debt!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 082XX
Submitted Via: Web
Date Sent: 2023-02-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-17
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Citi is discriminating against me because I am XXXX and have been unable to work since 2015. I was retired from XXXX XXXX at that time, and despite providing documentation to CITI that I have over 30 years of positive credit history and after proving to them that I held a CITI card previous to my disability, CITI has refused to acknowledge my current credit-worthiness and continues to deny me a credit card. I can come to no other conclusion, but that CITI is refusing to grant me credit because I am XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 376XX
Submitted Via: Web
Date Sent: 2023-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-17
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: XX/XX/22 - Called Citibank and was given a promotional offer for " spend {$1000.00} or more in the next XXXX billing cycles, get {$95.00} statement credit and XXXX bonus points '' I have then met this necessary spend, but have not gotten the credit. On XX/XX/22 I called them about this and was told it will take a few more weeks. Then on XX/XX/22 I called again and was promised it will arrive by the end of the year. A week or XXXX later I received a letter ( see attached ) saying I have earned the credit on XX/XX/22 and to wait 1-2 billing cycles for it to show up on my account. It has been XXXX billing cycles since I received the letter, and nearly 3 months since that XX/XX/XXXX date, but I have not yet received the credit and bonus points
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02144
Submitted Via: Web
Date Sent: 2023-02-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-17
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Citibank closed my accounts unfairly and without providing a reasonable explanation. Moreover they went as far as closing every credit card that I had, effectively ending the relationship with me as a customer, including my business card for which I had recently signed up while being promised a credit card bonus, which they never honored. I understand that Citibank and any other credit card company has the right to choose its customers, but I've also taken a credit hit by applying for and accepting Citibank 's products. At the very least, I feel that they owed me a warning if I did anything that violated the cardholder agreement. The reason given to me for closing my accounts was that " the use of the cards was not consistent with other customers ''. I don't believe I violated the card holder agreement in anyway and don't feel that it was fair for them to close my accounts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93704
Submitted Via: Web
Date Sent: 2023-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-18
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Tried to make a payment and the call dropped, now they have been calling 3 to 4 times a day, got an agent on the line and asked for a supervisor and he transferred me and said he has one of his associates on the line, I asked is it was a supervisor, he said yes she is a supervisor and an associate, she was on the, I asked her if she supervisor and she stated no but has the same authority, I told her about why I was calling and why I wanted supervisor, she then stated she would stop all calls, but supervisor couldn't call either, I told her that I wanted supervisor to call. I asked how I would know it was the supervisor and not automatically dialer, she then said because she stopped calls, but would have them call
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84075
Submitted Via: Web
Date Sent: 2023-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-18
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I want to file a complaint against Citi Bank for a fraudulent check that was cashed with out my authorization on XX/XX/2023 I pay the rent every month to my landlord for the same amount each month, but this time was for {$1500.00} The check was mailed out to my landlord XXXX XXXX and somehow this check was stolen and altered with a different amount {$3400.00} and payees name XXXX XXXX I have filed a police report. I have filed a dispute with the bank, on XX/XX/2023 Case # XXXX, I filled out the affidavit XX/XX/2023 but they have not been able to resolve this issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60148
Submitted Via: Web
Date Sent: 2023-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-18
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: On XX/XX/2023 I tried to use my card to pay for a study permit application. I was sent a verification code to my text, which I put in, and my card was flagged for 'early fraud prevention '. I had to call a number. I called the fraud number, gave them my cell phone and 'code word " to verify me, but they said that 'verification methods have changed ' ( I was not notified as a customer that I needed to create any other verification methods ). Citi said that they had to have a second phone number associated with the account to verify. Like most people in 2023, I only have a cell phone. They kept asking if I had a landline, which like most people, I haven't in decades. Even though they were talking to me now, on this cell phone number, I was going to have to call them from some landline to talk to them instead. When I didn't have that, they actually wanted me to have someone with my last name call from their phone number to talk to my bank for me and verify that I am me. This doesn't make any sense whatsoever. It seems like it would be EASIER for someone to commit fraud this way- they'd simply have to call from a random number and claim they were related to you! Since it was the middle of the night, I couldn't just call up some relative and tell them they had to talk to my bank for me, go through the holding music and everything. The only other option was to have Citi mail me a letter that would take 5-10 business days to reach me. I told them I was going out town and needed to use my card, but they didn't care. Now my account can't be used at all because of this 'early fraud prevention ' which was me, using my own card. I have to wait 5-10 business days in hopes a letter makes it to me through the mail to get a reference number from that letter and call them- on the phone they refused to verify- to unlock my account. If this was a true emergency, I would have been screwed. It's scary to think now that any time I need to use my credit card, I can't just have a code texted to me, either a relative 's going to have to call in from another number for me or I have to wait for a letter. This method makes XXXX sense. This shouldn't be how banking is in the 21st century. I want my card unlocked so that I can transfer my card to another bank and be done with Citibank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37214
Submitted Via: Web
Date Sent: 2023-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-18
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XXXX XXXX XXXX mis informed me that I should pay this debt even if was result of identity theft I try to make a payments because they intimidate me that they where going to garnish my wages, I didnt know I have rights and was not obligated it to pay debts of identity theft I explain to them this debts show in my credit report once I updated my itin number to a social and they say that I still require to pay them I Didnt I know the rules protecting consumers so I agree .they violated my rights by misinforming me just to make some profit
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33168
Submitted Via: Web
Date Sent: 2023-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-17
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: As of XX/XX/2022, Ive been a victim of Identity Theft. Even though I have taken all actions to prevent this person to continue harassing my finances by using credit locks on all 3 Credit bureaus as well as changing my bank information and getting new cards, regardless as of XXXX XX/XX/XXXX. This individual has been able to access my bank account and withdrew {$500.00} going to a teller in person, handing a scannable and verifiable Fake ID with his face and my info, and has been approved to cash out money from my account by using the fake id and my social security number. On XX/XX/XXXX, this individual purchased a {$2500.00} worth of equipment in BEST BUY using my credentials and impersonating me. He tried going to the bank again and the bank notified me due to a security freeze I placed on the account. The person is also actively going toXXXX carrier stores with this fake ID and my social to try lock me out of my account and swap sim phone number from my phone to his so he can verify my 2-factor authentication on all my private accounts. I am taking preventive measures and changing my phone but this person still has my social security for the rest of his life
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91303
Submitted Via: Web
Date Sent: 2023-02-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-16
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I applied for and received a Home Depot credit card at a store for the purpose of getting a discount. I was never sent the physical card and I don't have one. I tried to pay online the day after I'd made the purchase but I needed the card to set up an account. I tried again a few days later and had the same problem. I forgot about the matter until I got a text telling me my payment was late. My balance had doubled. I thought I paid the entire thing off that day, but apparently there's more because I got an email saying my payment is late. However, when I clicked on the payment option it required that I have my car in order to pay. There is no " contact us '' option, and there were no phone numbers available at the bottom of the page. Just something saying " additional numbers '' but no link or phone numbers. I just want to be done with this account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10002
Submitted Via: Web
Date Sent: 2023-02-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A