Date Received: 2023-02-09
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: CITI XXXX XXXX IS IN VIOLATION OF THE FDCPA & FCRA. PLEASE REFER TO THE DOCUMENTS ATTACHED TO THIS COMPLAINT
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34758
Submitted Via: Web
Date Sent: 2023-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-09
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: CITI CREDIT SERVICES IS IN VIOLATION OF THE FDCPA & FCRA. PLEASE REFER TO THE DOCUMENTS ATTACHED TO THIS COMPLAINT
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34758
Submitted Via: Web
Date Sent: 2023-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-09
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: CITI CREDIT SERVICES IS IN VIOLATION OF THE FDCPA & FCRA. PLEASE REFER TO THE DOCUMENTS ATTACHED TO THIS COMPLAINT
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34758
Submitted Via: Web
Date Sent: 2023-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-09
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: This is a complaint on the Costco Anywhere Visa credit card company. On XX/XX/XXXX2023 my authorized user and I reported fraudulent charges that had been piling up since XX/XX/XXXX2023 up until XX/XX/XXXX. These small transactions between {$1.00} and {$30.00} amounted to hundreds of dollars since there were about 50 fraudulent transactions in total. My authorized user, handed the card over to me because she was confused how these transactions happened since she still had the card. In the following days of her giving me the card and me locking the card myself ( because the XXXX Bank representative said she would close the account on her end, but in fact did not do so ) many more transactions were attempted. This time in amounts of {$200.00} and {$100.00}. I received about 20 of these emails while I was at work, with the card on hand, in a different city. I called the company once again on XX/XX/XXXX23 to get an update, the representative said there were notes on the account and there was an ongoing investigation. This time I asked if it took some time for the account to be closed because the last representative had told me she would take care of it and send me a new card, but the app didn't reflect that and I had not yet received a new card. She said that had not been done and she would do it right away. I asked her to send me a confirmation email this time, which she did. It is beyond me why it wasn't done properly the first time. Maybe to let them continue to rack up charges and deem me responsible for them. Today XX/XX/XXXX I called again because the phone app dispute center had documented that XXXX found me responsible saying I had the card on hand and since the transactions were made by chip, not magnetic stripe, it was " 100 % impossible '' it was fraud because chips can not be hacked. I asked her if there was any other proof they had, such as cameras at the locations these transactions were made, and she said no. I requested them to resubmit the dispute and investigate further with cameras because neither me or my authorized user were in that area at the time and that would easily prove it. She said that it was at the merchant 's discretion and she wasn't sure that would happen. They are currently charging me hundreds of dollars that I don't have as a minimum payment due XX/XX/XXXX2023 for these charges that are not mine after mishandling the dispute from the beginning. They are refusing to work with me on acquiring more evidence, which would clearly prove it wasn't an authorized user making these transactions. They have not given me any documentation to prove that all transactions were made on the chip and not the magnetic stripe and are saying there is nothing they can send me regarding that. The worst part is there are multiple methods of proving these are fraudulent charges and they are not doing a thorough job to figure it out. The last representative I spoke to said she would resubmit the dispute. After I asked her to note down I would be filing a complaint with the CFPB, she told me, " You can do whatever you want, and I'll resubmit the dispute, but it won't change ''.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91304
Submitted Via: Web
Date Sent: 2023-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-09
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Citibank suddenly closed my Costco Anywhere VISA card after I successfully shopped at Costco gas station by using this card. The closure notification says my account was inactivate but I just used my card! And there is no warning email or mail sent to me in advance to remind me to use the card otherwise it will be closed. The attached XXXX statement showed no account close info, but it showed {$69.00} in balance. Why say the card is inactivate? By the way, the authorized account user is the Citi Gold client.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95129
Submitted Via: Web
Date Sent: 2023-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-09
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I checked my XXXX XXXX account ( rough estimate XX/XX/XXXX ) and noticed my credit score went down. There was a hard inquiry via CitiBank on XXXX. Called CityBank ( apparently got routed to the wrong department ) and they confirmed there was no account in my name. A few days later, I received a letter in the mail from CitiBank, and I called their credit card application department and was transferred to the fraud team- who confirmed there was an existing application in my name. They stopped the application, notified the credit bureaus, and put an alert in their system. I also individually froze my credit through XXXX, XXXX, and XXXX via the automated phone system. On XXXX I created an online account with each credit bureau and discovered 4 more credit card applications in my name. * Capital XXXX on XX/XX/XXXX * XXXX via XXXX Bank on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX via XXXX on XX/XX/XXXX XXXX I contacted all 4 banking institutions and confirmed there was a credit card applications in my name as described above, stopped all applications, alerted them as fraud, and each bank said they would notify the credit bureaus. On XXXX I started using XXXX, for identity theft protection. I linked all banking and investment accounts to Aura to be monitored as a safety measure. XXXX I added a PIN # via the IRS to further protect my identity. XXXX I changed all passwords with bank accounts, credit card accounts, XXXX ID, XXXX accounts, etc.- anything vital to my identity that I could think of 2/2- Notified all banks I do business with about recent fraud and set up text notifications on any charge above {$1.00}. XXXX I set up a PIN with the IRS to further protect my identity and notified my CPA since tax season is approaching. On XXXX I received a text notification from XXXX that a New Account Application was detected via XXXX XXXX. Called Aura immediately, and together we called XXXX XXXX. They said there was nothing in their system, so nothing could be done at this point. XXXX After the XXXX XXXX phone call, the XXXX representative stayed on the line and we reviewed my credit report together. She mentioned my XXXX XXXX XXXX credit card, and my XXXX XXXX card- which I forgot to add the alerts. XXXX Called Nebraska XXXX XXXX to add a phone call notification before a transaction can go through XXXX called XXXX Bank XXXX XXXX XXXX card ) and they were unable to add security measures like a text notification, so to be safe I closed out the account and requested a mailed correspondence. XXXX Updated XXXX password XXXX Requested security freeze with XXXX XXXX submitted a complaint with the CFPB XXXX contacted the city of XXXX police department to find out process to report fraud, and will be submitting that shortly. A few months back, maybe XXXX or XXXX of XXXX I received a letter from XXXX that there was data breach and I was on the list. My DL and other " basic '' info like my name and address were breached.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76039
Submitted Via: Web
Date Sent: 2023-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-09
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: There is a account being reported by the Merchant XXXX XXXX CARD. Being reported on all 3 of my credit reports indicating a debt owed in the amount of {$800.00}. I never had a account with XXXX XXXX CARD. I am a victim of identity theft this account was open fraudulently. I have filed a dispute with XXXX and XXXX, and I still DISAGREE with their investigation results. I have filed a identity theft report at identity theft.gov and I have filed a police report regarding this matter. The information of me being a victim of identity theft has been reported since 2017 to all 3 credit reporting agencies. As there is a personal statement added to my credit file. I really would appreciate it if you could REMOVE THIS FRAUDULENT ACCOUNT FROM MY REPORT it is being reported as a closed account with debt owed. {$800.00}. Please remove the account in entirety.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-09
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XX/XX/09 was advised if I drive to a branch a note was placed on account to allow funds to be released. The branch was 5 hrs from me. When the manager called they was not able to release funds. Have been told a number of times conflicting information, told to stop talking, relax and hung up on as well as supervisor call backs that have never came
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45356
Submitted Via: Web
Date Sent: 2023-02-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-10
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: When I discovered that my debit card ending in XXXX was being used for unauthorized purchases, I called Citibank to have the card cancelled. When I requested a new card on XXXX, I was told that the card would arrive within 1-2 business days. when I realized that I would not be home due to the unsafe situations happening there I canceled that card on XXXX.they again told me 1-2 business days and I specifically in front of a witness told them to send it to a different address in XXXX instead of having it go to my old address in the XXXX. Unbeknownst to me the new card ending in XXXX arrived at the address in the XXXX and was used to charge over XXXX dollars unauthorized while I was in the XXXX XXXX area of XXXX state. I did not find this out until I went to a physical branch in XXXX on XXXX.they provided me a printout and I disputed the charges that same day. I told them where to send the replacement card again and updated the mailing address at the branch. they told me this time it would be 7-10 business days not 1-2 like before. My phone had to be changed also because of the unsafe situations mentioned above. when i try to login now I cant because the phone number doesn't match and they are refusing to change the number that's in my account so I can access my money and send it elsewhere before it risks getting stolen again. The temporary card they gave me does not have a cvv number which renders it useless for certain services such as transferring money. I am now homeless and i do not have access to money that I received from XXXX benefits because this company will not let me access my money and there are no branches of Citibank whatsoever in my area.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 144XX
Submitted Via: Web
Date Sent: 2023-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-09
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Citi bank company is bad business, 2 fake business, fraud me XXXX XXXX until I go to XXXX bank and report to Cfpb. Then now they still no paid back 2 return check fees {$24.00}, and {$700.00} bonus. I think citi bank should never has local in Texas, or even in the XXXX as well. Citi branch should close permanent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 79118
Submitted Via: Web
Date Sent: 2023-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A