Date Received: 2023-02-10
Issue: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: I noticed today that the address on my account was entirely unfamiliar. Going back through previous statements shows the change occurred halfway through XX/XX/2022. When I contacted the company they state the USPS sent a letter informing them of this change of address ; the problem is the address listed was never associated with me. My concern is this : How is a credit card company allowed to update my information without my permission? As far as I am concerned both my credit card company ( Citi ) and the USPS are at fault for sending my personal information to an unknown address. This is a major breach of privacy and as far as I can tell it led to my information being stolen and used for around {$1200.00} worth of fraudulent charges.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NH
Zip: 03301
Submitted Via: Web
Date Sent: 2023-02-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-10
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Contract with Citibank XXXX XXXX ( XXXX ) Credit Cards : XXXX XXXX Card Credit Card No.- XXXX, and Citibank Visa Credit Card No.- XXXX, Present A Claim Due to Serious Illness, I was Hospitalized, Respectfully Request Protection for Serious Illness and Coverage of the XXXX ( XXXX ) Credit Cards, Citibank XXXX bank I did not process the Request before the insurer XXXX XXXX XXXX, Given so much Arbitrariness File before the Insurer XXXX XXXX XXXX The Respectful Request for Coverage and Protection of the XXXX ( XXXX ) Credit Cards, The Insurer Only Covered XXXX Card that it Owns : Citibank Visa Credit Card No.- XXXX , did not want to Arbitrarily Cover the XXXX Credit Card XXXX XXXX Card N.- XXXX, Arguing more Document Demands, I have been pursuing XXXX ( XXXX ) XXXX ( XXXX ) collection houses, Again I have requested Citibank XXXX and to the insurer Definitely cover the XXXX card but argue a number of Excuses, to make matters worse they report that they sold the XXXX XXXX Card Credit Card No.- XXXX, to XXXX XXXX
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-10
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Contract with XXXX Citibank XXXX XXXX XXXX XXXX XXXX XXXX XXXX No.- XXXX, Having paid the Fee for the Month On XX/XX/XXXX, Valued at {$400000.00}. XXXX Citibank XXXX Arbitrarily Performs XXXX ( XXXX ) Additional Unauthorized Payment Operations of the Monthly Fee of the Credit Card, The First Operation Is Performed On XX/XX/XXXX, Payment Reference XXXX. For a value of {$11000.00}. More The Second Operation It is carried out On XX/XX/XXXX, Reference Payment XXXX. For a value of {$390000.00}. For A Total of Unauthorized Payment Operations for a value of {$400000.00}. Generating Double Payment in the month of XX/XX/XXXX, XXXX Citibank XXXX must Return the Withdrawn Resource with Automatic Debit Arbitrarily from Current Account No.- XXXX. The XXXX Extract is sent as proof where the payment of {$400000.00} is observed. and the XXXX additional payments Unauthorized operations in the amount of {$400000.00}.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-10
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: Citi bank has been lowering my credit limit on my card. The most recent letter states it was because I dont have the score necessary to maintain the limit due to : negative public records, delinquency, not having credit open long enough etc and that they are using XXXX for my score and it is reporting a score of XXXX as of XX/XX/XXXX. This is not true I have no late papyments, negative public record or negative items in my report. I confirmed with XXXX online and over the phone. They are showing my score as XXXX and per the XXXX rep on the phone yesterday theyre is no way they are getting that low score for you from us there is nothing in your credit report to generate that low score. I have called Citi bank multiple times and they can not or will not give me an answer as to what is driving my score down on their systems or what the negative items the letter references are exactly. At one point an account manager XXXX got flustered with my questions and lied to me saying she was transferring me to the credit department but instead just sent me back to main customer service line. While in the phone at another point with a customer service representative XXXX he stated at one point there was an issue with the system feeding in wrong scores but that should have been fixed and was a while ago. I submitted the dispute of the score through Citi but got a letter on XX/XX/XXXX saying everything was accurate without any further details or supporting evidence or documentation. My feeling is that there must be some sort of system issue where scores are being mixed up or they are pulling in a similarly named persons score. They stated that the credit lowering process is automated by the system and no one is reviewing it and based on my calls its is sounding like nobody at Citi customer care knows how it works. There looks to be the possibility of it is a system issue to have a greater impact than just myself and the process of them regularly lowering the credit limits to within a few hundred dollars of the outstanding balance that has always been paid in time could lead others to go over their credit limits and negatively impact their accurate score by using more of the percentage of total credit available. It looks to be to be both unfair and deceptive as the score is wrong and they will not give me a complete and supported answer i to what is the cause of it, while trying to just get rid of me on the phones as opposed to giving real answers to find the truth. I do apologize for any typos and formatting errors in this write up as I am doing it on my phone.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02176
Submitted Via: Web
Date Sent: 2023-02-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-10
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I had been considering switching banks and came across an offer for new Citibank banking customers. The offer states that Citibank will automatically deposit bonus amounts in cash for new customers opening accounts. I deposited {$80000.00} into a new checking account which qualifies me for {$1000.00} bonus which needed to be deposited within 30 days after a 90 day period during which you must maintain is {$75000.00} minimum balance. I meet all qualifying conditions, fulfilled all requirements but I haven't received the promised bonus amount. At this point it is almost 3 weeks past the said bonus distribution date. Please see attachments I called city bank customer service six times without any results. Each time I am told I qualify for the bonus but I am yet to receive it. I inquired about the reason for delay but keep getting inconsistent answers. One day I'm being told my complaint has been reviewed and funds will be deposited in 48 hours next time I'm being told they are still investigating.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10036
Submitted Via: Web
Date Sent: 2023-02-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-10
Issue: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: I have 3 months of outstanding payments with a Citibank Credit Card. They've been calling me at least 4 times/daily. I haven't answered the calls since I'm not in the financial situation to arrange any payment plans. Their repeated calls are a harassment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48176
Submitted Via: Web
Date Sent: 2023-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-10
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Contract with XXXX Citibank XXXX Current Account No.- XXXX and The Product XXXX Check N.- XXXX XXXX and XXXX Citibank Visa Credit Card XXXX XXXX, I XXXX XXXX XXXX XXXX XXXX Serious Illness, I Was Hospitalized, Respectfully Request XXXX Citibank XXXX The Protection for Illness Grave and XXXX XXXX XXXX XXXX Balance of the debt of The Two ( 2 ) Products, of the Product XXXX Check N.- XXXX, and of the Citibank Visa Credit Card XXXX XXXX, XXXX Citibank XXXX Did Not Cover XXXX XXXX XXXX XXXX XXXX Such Arbitrariness, File Before XXXX XXXX XXXX XXXX XXXX The Respectful Request For Coverage And Protection Of The Two ( 2 ) XXXX XXXX The Insurer XXXX XXXX XXXX Only Covered A Single Product : The Citibank Visa Credit Card No XXXX.- XXXX, remaining at Peace and Safe, Arbitrarily did not want to Cover the Product XXXX Check N.- XXXX, Arguing more Document Demands, I have been persecuting XXXX ( XXXX ) houses for XXXX ( XXXX ) of collection, I have again requested the XXXX bank XXXX XXXX and XXXX insurer Definitely cover the Product XXXX Check N.- XXXX XXXX to make matters worse, they arbitrarily report that they sold the Bank to XXXX XXXX. I send as proof XXXX extract where the Products are observed.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-10
Issue: Other features, terms, or problems
Subissue: Add-on products and services
Consumer Complaint: For the past XXXX years I have been paying for a " Credit life insurance fee '' plan on my best buy credit card without knowing. The charge shows up as XXXX on my statement. The amount charged each month also varies from month to month, sometimes its XXXX XXXX, other times its {$20.00}, XXXX, XXXX etc.They say I clicked a box when I applied for the best buy credit card that enrolled me. I don't recall signing up for any service. I was in the Best Buy store when I applied for their credit card, and just filled out my info and signed my name in person, I don't recall clicking any box for services nor have I done any such thing before for any of my other credit cards.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60089
Submitted Via: Web
Date Sent: 2023-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-11
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Contract with XXXX Citibank XXXX Current Account No.- XXXX and XXXX XXXX XXXX XXXX XXXX.- XXXX XXXX Was Deposited In The Current Account N.- XXXX, On XX/XX/2008 The Value Of {$20000.00}. The Insurance No.- XXXX that Covers the Portfolio No.- XXXX was paid for this Amount, Overdraft Interest was also paid and the Automatic Debit was Made for the Credit Line Payment XXXX XXXX No.- XXXX for a value of {$8300.00}. In the Consolidated Extract for the Month of XX/XX/2008, The Subscription Disappears, The Resources Are Not Applied For {$8300.00}. to the Debt, and it is not reported from then on what happened with the Resources Deposited in the Checking Account and that they were transferred with Automatic Debit as Credit to the XXXX XXXX Account NXXXX XXXX. A consolidated extract is presented in the month of XXXX, disappearing the deposit of {$8300.00}. A Consolidated Statement Is Presented In The Month Of XXXX Informing : " Your Product Did Not Present Any Movement '' Mishandling of Information Mishandling of Data, Mismanagement of the Resource Shipping Test XXXX Credit XXXX. ( E7 ) Submission Test 2 Appeal does not apply {$8300.00}.? ( E8 )
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-11
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: i was in a car accident where somebody came and hit my car from the back. The other party 's insurance company took the liability COMPLETE liability of the car and personal liability, * ( letter attached below ) following week i was having XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and i told them i was in an accident and i want to be seen because i am unable to continue to go to work and am struggling to work and having XXXX XXXX XXXX XXXX XXXX XXXX the billing lady she asked me to fill a form and asked me to keep a credit card on file and mentioned * WE WILL NOT CHARGE YOU, WE WILL BILL IN THE INSURANCE COMPANY BUT ITS OUT POLICY* i was in such a trauma due to losing my job because of this and not being able to walk, being a XXXX student i was worried how will i be able to do clinical when my semester starts. So i get home and i see they have charged me i tried calling them they said oh we were not sure who to reach out to, i told them the lady in the reception made me fill out a form and she said that the insurance company will be billed it is just the policy to keep the card on file. they said we will look into it and since then they have not responded to me. i spoke to XXXX ( liability other parties ) insurance company they said XXXX XXXX never reached out to them. WHY am i being charged for it? I have the letter where they are taking this liability and the urgent care never even bothered to reach out to the insurance. ** this transaction was NOT AUTHORIZED by me as i was lied to by the XXXX XXXX team and now they haven't been responding to my emails. IN TIME as a customer i reached out to my bank and placed a dispute they took nearly 2 months and came back to me closing in their favor where i even supplied all the documents they asked for ( attach below are all the things u will need, a liability acceptance and the bank denying the dispute ) it is an UNAUTHORIZE transaction when i was more concerned about being checked for my XXXX XXXX and injury. XXXX XXXX never reached out to my insurance, they falsely charged me and now they won't even connect me to anyone for me to resolve the issue with them. I should not be liable they need to contact XXXX insurance and come back to me with a PROOF that XXXX isn't taking or accepting to pay which won't happen because the letter attached below CONFIRMS XXXX accepting the liability.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75092
Submitted Via: Web
Date Sent: 2023-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A