Date Received: 2023-02-15
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Citibank put a block on the account that ends on XXXX because they said that someone was trying to access my checking account. Not, only did they put a block on the account but also removed my login credentials. Even though the account was blocked Citibank accepted and XXXX deposit from my employer XXXX XXXX on XX/XX/XXXX. The deposit from my employer was in the amount of {$850.00}. I contacted Citibank regarding getting my money back since they were not supposed to accept the deposit in the first place but rejected. I was told by Citibank that they could not verify my identity even though I gave them my social security number, date of birth, phone number, email accounts, current and previous home address. They insisted that they could not verify my identity or tell me exactly what was it that they were looking at. Then, Citibank told me that I was going to receive a letter with a reference number. This was back in XX/XX/XXXX at which time and out of a lot of frustration, I decided to wait for the letter with the reference number to come. It was the first week in XX/XX/XXXX and the letter never came.. I filed a complaint with the XXXX on XX/XX/XXXX. The complaint number is XXXX. On XX/XX/XXXX a Citibank representative contacted me by phone and assured me that she was going to make sure the letter was sent out to me. I contacted the XXXX letting them know what the lady told me and to close my complaint. The letter never came so I called the Citibank fraud department again and again was told the same the letter will be sent out. I finally received the letter call Citibank and gave them the reference number and they had the audacity to tell me that I was going to have to call back because they couldn't verify my identity even with the reference number they sent me or even the code the representative sent to my cellphone. I had been on the phone today 4 times with different representatives that acted as if it was the first time they heard about this issue. Right now it is XX/XX/XXXX and I have been on the phone with XXXX for an hour and 32 minutes trying to resolve this issue. At this point I asked the Citibank representative XXXX that I want to close the account and get my money back and I am still waiting on hold for the account to be closed. The thing that really aggravates me is the fact that they are taking fees out of the account. I hope you are able to help me because this is very frustrating and a waste of time. Thank you XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98311
Submitted Via: Web
Date Sent: 2023-02-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-15
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX SSN : XXXX To Whom It May Concern, On XX/XX/XXXX, I wrote to you requesting an investigation into items listed below. The below accounts are INNACCURATE. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. Since this is myTHIRDrequest, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. Please see my reasons for dispute below : XXXX XXXX As the original credit and executor, I never granted any specific company the right to contact me, and they did so continuously using abusive tactics. Under the Fair Debt Collection Practices Act 15 USC Section 1692 I was a victim of invasion of my privacy.You are violating laws enacted by congress, and I am aware of my rights as a consumer. Remove this defaming information immediately. CITI- XXXX The late payments on this account are inaccurate and are in direct violation of 15 USC 1681s-2 ( a ) ( 1 ) ( B ). In addition to that, these late payments can not be validated. - Please remove this inaccurate information from my report. This company is in direct violation of congress law. Please investigate and delete immediately. I also understand that you are required to notify me of your investigation results within 30 days and provide me with an updated copy of my credit report. My contact information is provided below. This account has also been in a dispute status all while still attempting to collect debt, and I've yet to receive verification of debt via mail with proof of ownership of this specific charge off account Sincerely, XXXX Attn. : Consumer Relations XXXX P.S. Please be aware that dependent upon your response, I may or may not be inclined to prepare a statement for online public release, including documentation of any potential law violations that I will be preparing all documentation for validity and forwarding all said complaints to the organizations below : CC : XXXX XXXX, Assistant Director of Enforcement Consumer Financial Protection Bureau 1700 G Street NW Washington, D.C. 20552 CC : Law Firm XXXX , XXXX & XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller of the Currency CC : Federal Reserve System CC : Credit and Insurance 1 of 2 CC : Federal Trade Commission CC : State Regulatory Agency CC : California Regulatory Agency Division of Consumer Complaints Consumer Financial Protection Bureau po box 4503City, Iowa 52244 Enclosures : Proof of Address Proof of Identity
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60115
Submitted Via: Web
Date Sent: 2023-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-14
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I opened up this checking account on XXXX XXXX, 2022, for the bonus promotion. I deposited {$75000.00} on XXXX XXXX, 2022 and ever since have held the money in my checking account.. I should have received a {$1000.00} bonus per the terms and conditions of the bonus. I still have not received the bonus. Please credit my {$1000.00} bonus as the terms stated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-14
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: CITIBANK LOCKED MY CHECKING ACCOUNT ON OR AROUND XX/XX/23 AS A RESULT OF POTENTIAL FRAUD OR A SECURITY ISSUE. I SPOKE TO A REP ON SATURDAY WHO TOLD ME I HAD TO CALL BACK ON XX/XX/23 WHEN THE DEPARTMENT THAT HANDLES IT IS BACK. I DID MAKE NUMEROUS CALLS TO CITIBANK ON XX/XX/23 AND THE REPS THAT I SPOKE TO COULD NOT TELL ME WHO PUT THE BLOCK ON THE ACCOUNT AND WHY. THEY REACHED OUT TO THE FRAUD/SECURITY DEPARTMENTS WHO TOLD THEM THAT I NEEDED TO VISIT THE NEAREST BRANCH, PROBLEM IS THERE ARE NO BRANCHES IN MY STATE OF ARIZONA AND THE NEAREST IS ABOUT XXXX MILES AWAY IN CALIFORNIA. I THEN CALLED AGAIN AND SPOKE TO A WOMAN NAMED XXXX WHO ALSO REACHED OUT AND HAD NO IDEA AS TO WHAT WAS GOING ON. SHE TOLD ME I WOULD GET AN EMAIL WITHIN 1 TO 3 BUSINESS DAYS AND FILED A COMPLAINT # XXXX. IN THE MEAN TIME I CAN NOT USE MY DEBIT CARD MAKE ANY WITHDRAWALS OR PAY ANY BILLS THROUGH THE ACCOUNT SINCE IT IS NOW BLOCKED. PLEASE PROVIDE A REMEDY FOR THIS ISSUE IF AT ALL POSSIBLE.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85122
Submitted Via: Web
Date Sent: 2023-03-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-14
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: As you can see from my account, I submitted a request to stop all junk mail and any mail services from Citi Bank for my former roommate XXXX XXXX on XXXX. On XX/XX/XXXX, I received an email with an attachment on company letterhead that confirmed that the mail for her would stop coming to my apartment. Three months later, I am still getting her junk mail and I am livid that the company said that it would stop and they confirmed it to me closing the case, but it is still happening. They are in violation of what they promised and the complaint is not rectified. I attempted to contact them through the phone number provided on the letterhead and they were unable to do so. They told me to call another number but to get through to that service, I need to have a Citi account myself. The fact Im having to spend any time at all to opt out of junk mail to my private address is ridiculous. An online site for opt out needs to exist so companies wont be allowed to assault people with their unwanted wasteful junk.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10029
Submitted Via: Web
Date Sent: 2023-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-14
Issue: Problem when making payments
Subissue:
Consumer Complaint: I have had a personal loan with Citi Bank the past few months. It was for {$21000.00} starting in XXXX of XXXX. I paid each minimum payment on time each month. I decided to consolidate things even more with getting a {$30000.00} loan with XXXX on XX/XX/XXXX. Part of the consolidation with this loan was to pay off the rest of the Citi loan. XXXX approved my loan. On XX/XX/XXXX, XXXX sent a check of {$18000.00} to Citi to pay off the rest of my loan. Yesterday, XXXX told me that Citi cashed the check on XX/XX/XXXX. However, Citi did not take the money off of the rest of my loan and still has not done so. Each day it accrues more interest and still says that I owe this money that should have been paid off when they cashed the check. I have called Citi multiple times about this issue. A representative for XXXX was on the phone with me yesterday and recording these conversations. Citi told us that the check XXXX sent to them was not the correct address. The address I provided to Discover was the address Citi sent me on the Loan Note ( XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX ). Citi has told me the check should have been sent to an XXXX, MO location but I see that nowhere in my documentation from them on anything and they have never given me the exact address. It took a long time but Citi finally provided XXXX with the fax number at the XXXX XXXX location. XXXX needed this so they could send Citi a fax with the proof of payment. XXXX did that. Citi did create a XXXX XXXX for this issue. ( Case # : XXXX ) Citi told me yesterday this would take 2-3 weeks to resolve after the investigation. When I called today to get an update, they told me it could now take up to 90 days. In the meantime, they are still saying I owe the amount on my loan with my next minimum payment due XX/XX/XXXX. They advised me to not pay it and take the penalty of late charges until it is resolved. I do not want this to hurt my credit score if I do such a thing. They said all the late charges, interest and anything else will be resolved when the case is resolved. XXXX has been very good as they pushed back my first payment a couple of weeks to try to help me. Citi has not done this for me or put any payment on hold to avoid penalty or anything. Citi has also not guaranteed me this will be resolved after the investigation. In the meantime, someone cashed the {$18000.00} check though at Citibank on XX/XX/XXXX that was specifically sent to pay off my loan. This has resulted in me being very stressed out and have not had much sleep as I am very concerned about this whole process. I need this resolved ASAP and made right soon where Citi shows that I do not owe any more money on this loan from the money they cashed to pay it off. This whole process has made me very upset and I have a hard time doing anything else in my life with this always in the back of my mind. Please help. Thank you!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 650XX
Submitted Via: Web
Date Sent: 2023-02-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-13
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Company advised me that they closed my accounts due to a XXXX XXXX bankruptcy, however, I have never filed for bankruptcy. There isn't a record of bankruptcy that is associated with my name or social security.
Company Response:
State: AZ
Zip: 85379
Submitted Via: Web
Date Sent: 2023-02-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-13
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: Contacted credit card for a billing dispute in the amount of {$1500.00} ( XX/XX/2022 ) for services not rendered by merchant. I provided documentation and received a letter from bank card on XX/XX/2022 stating since a credit slip was not received that are leaving me with the charge and closing out the dispute. It is obvious that a merchant is not going to willing to provide a credit slip when they are clearly in the wrong.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78526
Submitted Via: Web
Date Sent: 2023-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-13
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I was sent a credit alert on XX/XX/, stating that there were 2 inquiries on my account, one from Citi and one from XXXX XXXX XXXX that I did not authorize. I immediately called XXXX and they walked me through what I needed to do. They reccomended that I filed a complaint with you also. I also froze my credit reports.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 15236
Submitted Via: Web
Date Sent: 2023-02-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-13
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: In XXXX of XXXX I reviewed my XXXX credit report and noted that there was a Charge-off account being reported by Macy 's XXXX I wrote to Macy 's on XX/XX/2022 requesting that they investigate, verify and validate what was being reported. ( See attached letter ) Macy 's response was not forthcoming and indicated that they could not comply to my request. They then had Citibank N.A. to send another letter informing me that they are no longer trying to collect on this alleged Charge-Off. I do not understand what is the problem with verifying an accoun that they've reported to the Credit Reporting Agencies, unless they realized that they are not able to comply with my request!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77054
Submitted Via: Web
Date Sent: 2023-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A