Date Received: 2023-02-16
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: There was purchase made on my credit card on my Best Buy Citibank card. I immediately reported it after I received an email of the purchase. The card was to be cancelled XX/XX/23. The following day, as my card was canceled and inactive, another purchase was made. I tried to resolve the issue Best Buy recharged my card and did not issue my credit. I also have a credit of about {$210.00} I was told was going to issued a check for, and still have not received it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10306
Submitted Via: Web
Date Sent: 2023-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-16
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 have 5 late payments of 60-90 days between XXXX on my credit report, I called and asked to have them removed after being in good standing for 6 months at which time they denied my request.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92544
Submitted Via: Web
Date Sent: 2023-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-16
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Full Name XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, ny Investigation Request Letter To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. Accounts Account Name : XXXX XXXX XXXX Account Number:XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. I also read where I can get the updated report after you investigate this from the Free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. Thank you for your time and help in this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10457
Submitted Via: Web
Date Sent: 2023-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-16
Issue: Other transaction problem
Subissue:
Consumer Complaint: My complain involves two banks, Citi Bank and XXXX XXXX XXXX. XXXX XXXX XXXX XXXXXXXX checking account was open over 13 years. XXXX. Citibank checking account was open on XX/XX/XXXX. It was closed on mid XX/XX/XXXX. It was reopened on XXXX XX/XX/XXXX. On XX/XX/XXXX I tried to do an external inbound money transfer of {$3000.00} using Citi bank online facility. The money was to come from my Bank of Checking account to my Citi Bank checking account. After transfer was initiated the money was withdrawn from XXXX XXXX XXXXXXXX checking accounts but was never deposited into my Citibank Bank. The reference number is XXXX. I see a message that Looks like were not able to complete this transaction. Please contact your external bank for more information. I called XXXX XXXX XXXXXXXX and informed the issue. The created a claim based on my complain. As part of complain, on XX/XX/XXXX, XXXX XXXX XXXX initiated an unauthorized money transfer and withdrew {$3000.00} from my Citi bank checking account and deposited in my XXXX XXXX XXXXXXXX Checking account and closed my claim. I still have {$3000.00} withdrawn from XXXX XXXX XXXXXXXX checking on XX/XX/XXXX, that I never received in my Citibank. When I call XXXX XXXX XXXXXXXX customer service, they say that your claim is resolved and we deposited {$3000.00} back to checking account. When I call Citibank customer service, they say your transaction on XX/XX/XXXX is cancelled and money was returned back to XXXX XXXXXXXX XXXX. ( I think the money didnt get deposited in Citibank was because the account was closed and just reopened on XX/XX/XXXX ) But the money that deducted on XXXX was from my exiting funds with Citibank checking account. I still have not received my money of {$300.00}, that was deducted from XXXX XXXX XXXXXXXX on XX/XX/XXXX in my Citibank account. Attached is XXXX.transaction details from XXXX XXXX XXXXXXXX XXXX XXXX transaction details from Citibank and XXXX XXXX Screenshot of failed external transaction transfer from Citibank. I am frustrated calling both banks. Both tells me to call the other Bank. Please help in getting my money back that withdrawn from XXXX XXXX XXXXXXXX that never went to Citibank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08520
Submitted Via: Web
Date Sent: 2023-02-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-16
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XX/XX/2020 I opened a business account with Citi bank. They let me withdraw XXXX & froze my account after the transaction & left XXXX of my money in the account. I tried to contact them and went to the branch that I opened my account ( XXXX XXXX XXXX XXXX, XXXX XXXX, CA ) & they would not release my funds due to them needing to do an investigation & years later my account is still on hold & I can not access my funds that I did nothing wrong to obtain. Everytime I call none of the specialist know or can tell me what's going on.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90059
Submitted Via: Web
Date Sent: 2023-02-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-16
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: The Citibank Banking Products and Services Portfolio NXXXX XXXX was contracted with XXXX Citibank XXXX XXXX it was paid in full until the moment the bank client suffered a claim due to serious illness, the claim was filed on XX/XX/XXXX, it was I present the request for the Protection of the Client with Eleven ( 11 ) Clinical Histories and the coverage of the Portfolio of Banking Products and Services Citibank NXXXX XXXX : Products Covered with the Debtor Life Policy : Credit Check No.- XXXX, Coverage {>= $1,000,000}. TC City MasterCard N.- XXXX, Coverage {>= $1,000,000}. Citibank Visa Credit Card N.- XXXX. Coverage $ XXXX. *Total Product Coverage : $ XXXX. Policy XXXX XXXX XXXX, Certificate No.- XXXX, Coverage $ XXXX. Policy XXXX XXXX XXXX, Certificate No.- XXXX, Coverage $ XXXX. *Total Customer Coverage : {>= $1,000,000}. For Total Coverage : $ XXXX. XXXX Citibank XXXX XXXX and XXXX Only Paid Citibank Visa Credit Card XXXX XXXX. Coverage $ XXXX. On XX/XX/XXXX. Pending Payment Total Customer Coverage : {>= $1,000,000}. Total Product Coverage : $ XXXX. For Total Coverage Due : $ XXXX. XXXX Citbank XXXX and XXXX Abused My Fundamental Rights and My State of Defenselessness of My Wife and Minor Children in XXXX, their abuses continue XXXX, XXXX. They have the nerve to continue charging. It is reported that each product has an individual complaint in the CFPB, to force the individual and collective Solution of portfolio Citibank XXXX. Complaint ID : XXXX XXXX XXXX
Company Response:
State:
Zip: XXXXX
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: Closing an account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/2022, Citi had sent an email to me noting that due to " suspicious activity '' they were locking my account and then, one minute later, another email indicating that they were shutting down my checking account. There was over {$20000.00} of my own funds in the account. I was locked out of the account online, and called several times to verify myself via their fraud prevention team. Each time, they told me that I was not able to get access back to the account, my account was being closed with no explanation. My closure email was extremely vague : " Hi, XXXX. We periodically review customer accounts and assess account activity. Based on a recent review of your REGULAR CHECKING account, we found that you have violated the terms of your account per the client manual. '' The only issues in my account were a few external debit card transfer failures, directly related to issues by the processing bank. This was for transferring funds into my Citibank Checking Account. My account was never overdrafted, nor was there any illicit or otherwise negative activity on my account. Additionally, I had to wait several weeks for my check of over {$20000.00} which had been wrongfully held from me with no explanation, to arrive so I could use my own funds through a deposit to a different bank. There was never anybody else accessing my account except me and no " suspicious behavior '' to warrant a fraud team 's response.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 023XX
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: 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: Best Buy continues to report late payments on two accounts that I had with them with an exceptional payment history. I have recently resolved a different matter with them though they closed ALL of my accounts prior to a favorable resolution. The late payments in question are reflected in the year 2019. I have made several requests for proof of the late payments from Best Buy to no avail. Best Buy has not only ignored my requests but has erroneously " updated '' my credit report by simply moving the months in question around by a month or two.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90044
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: Opening an account
Subissue: Confusing or missing disclosures
Consumer Complaint: i opened a citi bank checking account because they show you can instantly create and deposit through app. i read through the jumbled disclosers and reviewed their welcome kit and all its links throughly nowhere did i see anything about not having access to account until card activated. i mean they even sent me various emails about logging on, setting up XXXX and then closed my account for violating terms .. the emails addressed to me and my action links all led to same account login however 2 or the 4 emails have different account numbers in email. when i went to log on i found access blocked and immediatly contacted them. i cslled citi customer service and the fraud departmnt was walking me through the steps to regain access. this was not possible despite providing identification, a photo of me and myself holding id, again with the specific 'hold pencil by clock and have id in other hand ' all of those and my ss card, bc, dissolution of marrige and then we finally got closer. i gave everything but full account number as i never was provided the entire string of number assigned tomy account only the last 4 " XXXX '' and the representative could only attempt to acess via my security question and the correctly provided answers. i had to really think on this when applying for account so to be safe i WROTE THE QUESTIONA AND ANSWER in my folder that holds all information in the event of my untimely demise if in accident or something. EVERY answer was not working, he said they just do not give him the proper indicators of a matching answer ( he did not have access to see it either just a 3 letter search bar that went green and moved on or red and removed a ticker mark that restricts account further. he called his supervisor and was told i had cashed a fraudulent check in this fake account!!! what the actual heck, i informed him i was indeed a real person and created a reall account with them and that the check was assigned to me via a client after i completed a tree removal for her home. i further explained that i was a licenced business owner and held an LLC for over 2 years and have benn doing this work for over 6 years. that i in no way commit petty acts of fruad and provided every bit of information up to THEIR SYSTEM failing to accept the correct answers i know i applied with.XXXX the supervisor disconnected and the rep apologized for the inability to fix things and recomended that i activate my card as soon as possible to see if it would grant access without the methoed we had used to bypass account numberm ( i wasnt given ) the fillowing day i got the notice of account closure for violating terms. and in THAT EMAIL i got link to a different disclosure addendum not previously provided within the welcome kits or any of the clickable links that came with the new account or during the new account. i do not like banks, i actually read all the bs and i know for a fact it was not provided and the webite are different, one opened as a pdf the other was a webpage tab. one came as a link title client manual and roughly 30 or so pages with a electonic page at the end ( non fillable so i never signed it ) similar. the other was client manual - consumer accounts ( 80+ pages ). furthermore i was oresented a dozen terms and conditions and inportant legal disclosure informative text and no single one offered information about policies in regards to how the new account mus remain untouvhed or used until a certain requirement weas satisfied or met or whatever the terms they implied now. i did deposit a {$300.00} check into the account, this was a legit check an i have already verifief with my client that the funds were pulled from her account onm XX/XX/23. CITI told me that the funds had NOT BEEN ACQUIRED OR RECIEVED as of this morning XX/XX/23. FULL BLOWN LIE made over chat with XXXX and her supervisor
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 86442
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: Closing an account
Subissue: Company closed your account
Consumer Complaint: XXXX. I opened a Citi Checking account in XX/XX/2023 ( Email confirming account approval was received on XX/XX/2023 ). XXXX. I made an initial deposit of XXXX from my XXXX checking account on XX/XX/2023. XXXX. I made a withdraw of XXXX to my XXXX checking account on XX/XX/2023. ( No other deposits or withdraws were made since account opening. ) XXXX. I received a letter on XX/XX/XXXX, saying that : " We have been unable to verify recent activity on your Citibank account. It is important that we confirm that all recent activity has been authorized, and we can only do this by speaking with you directly ''. The letter did not mention account closure. XXXX. On XX/XX/2023, I called the number provided in the letter ( XXXX ). I was asked to verify my recent activity on the phone. After a few minutes, the representative came back and informed me all my Citibank accounts will be closed, including my credit card account. They refused to provide any information regarding the reason for account closure. The representative on the phone did not speak English very well and was very rushy. They became impatient as I wanted to clarify what would happen next such as how to receive the remaining balances and what would happen to my other accounts. For the representative, it is just a few lines of disclosure text. For a customer, that means a significant disruption to their financial life and troubles ahead ( caused by money held by Citibank for an uncertain amount of time ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95054
Submitted Via: Web
Date Sent: 2023-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A