Date Received: 2023-02-08
Issue: Other features, terms, or problems
Subissue: Add-on products and services
Consumer Complaint: Citi claims that when I opened an account with Best Buy in XXXX, I agreed to a debt protection program. I was not aware of my enrollment in this program. I noticed the recurring fees for this debt collection program on my statements. I called for an inquiry and was told that XXXX is when I was accepted for the card and agreed to the terms of the debt protection. The fees just from XX/XX/XXXX to XX/XX/XXXX add up to almost {$100.00}. The only response I received was that they would cancel the program. I requested a copy of my enrollment documents and the contact information for who I may ask for a refund of the unauthorized charges to my account. The service representative stated that the information would be included with my enrollment documents that would be mailed to me ; however I do not believe such information will be included IF I ever receive proof of my enrollment. After some research, I see that Citi faced backlash in the past for the same fraudulent practices. In XXXX CitiBank was ordered to refund over {$700.00} XXXX dollars to its consumers. As I have been an account holder since XXXX and CitiBank claims I enrolled at that time, they should have remedied issues such as this in XXXX. I want a refund of all charges related to debt protection on my CitiBank Best Buy credit card account from XXXX to the present.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-08
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX, I received an email ( see attachment XXXX ) as a formal response to my complaint filing to CFPB ( Case XXXX XXXXXXXX ), suggesting that Citi still refuses to cooperate to unblock my account and that the address in the correspondence does not match their record ( " Wrong Address '' ) despite the email showing my current address ( " Correct Address '', ( e.g., XXXX XXXX XXXX ... shown in attachment XXXX ) ). The only way to unblock my accounts is for me to provide a reference number in a letter sent by Citi 's Fraud Department multiple times, but the letter never arrived as it was sent to the Wrong Address. The account was opened on XX/XX/XXXX, and the address shown in the application documents is the Correct Address. Therefore, Citi has changed my contact information without my consent, purposely put a block on my account, and refused to provide alternatives to verify my identity and allow me to access the account.
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: 2023-02-08
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: Citi ( R ) Cards, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Letter dated XXXX claimed to have conducted an investigation using the information provided ( which is attached that CLEARLY STATES THAT THE HOTEL WOULD BE CREDITING MY ACCOUNT in the amount of {$40.00} ) about the dispute and stated that was not enough to support the claim. This is absolutely a fraudulent statement and this continues to be a problem with Citi ( R ) Cards not protecting the consumer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89081
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: 2023-02-09
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Citi Advantage Platinum Select MasterCard - ending in XXXX. I have regularly made payments against this credit card on or before the due date. However, Citi Bank has falsely and incorrectly reported on my credit card account statements and to the credit bureaus that the payments are Past Due and have not been made. My Credit Score has dropped XXXX points because of this, and I have been charged a " Past Due '' amount on each of the the last 2 statements. These false and incorrect statement descriptions, Late Fees, and Credit Agency reporting need to be corrected. Citi Bank needs to credit all Late Fee charges, remove 100 % of statement interest charges, re-issue the monthly statements with the corrections, and correct fix these reports to all Credit Report agencies. Repeated efforts to tell Citi Bank to stop with the harassing phone calls never ceased, and I was put into a position to agree to an account payment plan and this account was Closed as a Result. Due Date : XX/XX/22 Payment Date : XX/XX/22 Amount : {$100.00} Citi Statement Note : " Late Fee - XXXX Payment Past Due '' ( charged on XX/XX/22 ) Account Charge : {$41.00} for " late fee '' Due Date : XX/XX/22 Payment Date : XX/XX/22 Amount : {$100.00} Citi Statement Note : " Late Fee - XXXX Payment Past Due '' ( charged on XX/XX/22 ) Account Charge : {$41.00} for " late fee ''
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80021
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: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I received an offer and opened a Citi Accelerate High-Yield Savings Account on XX/XX/XXXX. I deposited $ XXXX on XX/XX/XXXX and maintained the minimum balance until XX/XX/XXXX, I attempted to chat with a representative in XX/XX/XXXX to ask about the bonus. The rep said I didn't qualify because of money needed to be in the account longer, but XX/XX/XXXX to XX/XX/XXXX is more than 60 days required to get the {$450.00} promotion bonus. I attached the offer and bank transactions for review.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 852XX
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: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Cit Double Cash MasterCard - ending in XXXX. I have regularly made payments against this credit card on or before the due date. However, Citi Bank has falsely and incorrectly reported on my credit card account statements and to the credit bureaus that the payments are Past Due and have not been made. My Credit Score has dropped XXXX points because of this, and I have been charged a " Past Due '' amount on each of the the last 4 statements. Due Date : XX/XX/XXXX Payment Date : XX/XX/XXXX Amount : {$100.00} Citi Statement Note : " Late Fee - XXXX Payment Past Due '' ( charged on XX/XX/XXXX ) Account Charge : {$40.00} for " late fee '' Due Date : XX/XX/XXXX Payment Date : XX/XX/XXXX Amount : {$100.00} Citi Statement Note : " Late Fee - XXXX Payment Past Due '' ( charged on XX/XX/XXXX ) Account Charge : {$40.00} for " late fee '' Due Date : XX/XX/XXXX Payment Date : XX/XX/XXXX Amount : {$100.00} Citi Statement Note : " Late Fee - XXXX Payment Past Due '' ( charged on XX/XX/XXXX ) Account Charge : {$40.00} for " late fee '' Due Date : XX/XX/XXXX Payment Date : XX/XX/XXXX Amount : {$100.00} Citi Statement Note : " Late Fee - XXXX Payment Past Due '' ( charged on XX/XX/XXXX ) Account Charge : {$40.00} for " late fee ''
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80021
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: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Hi, Acc. Num. XXXX, Ive created this account in XXXX in CITI XXXX XXXX. The bank staff input my cellphone as a wrong number which last 4 number as XXXX, not as my correct one as XXXX XXXX I just give it in written and the bank staff do it without any double-chk or SMS validation, so I took 1hr+ to contact the customer svc, XXXX told me that required XXXX to update, it is such unacceptable!
Company Response:
State: CA
Zip: 92508
Submitted Via: Web
Date Sent: 2023-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-07
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Upon further investigation, I have retained new copies of my credit reports and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on the signature date. I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required XXXX-day period. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act. I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of a dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. ( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or inaction ) on your behalf will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : XXXX. Defamation XXXX. Negligent Enablement of Identity Fraud XXXX. Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, in order to formally defend yourself. P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 325XX
Submitted Via: Web
Date Sent: 2023-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-07
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I received an email from Citibank on XX/XX/XXXX saying they are sending me a new debit card. The following day I received another email from Citibank saying I signed up for online services. I googled the number in the email to verify that it was in fact Citibank and the number seem to match XXXX on file for Citibank. I called on XX/XX/XXXX to notify Citibank that I had not open an account with them. They transferred me to their fraud department. I spoke to a woman who refused to give me her name or location. After I threatened to go to the police, she gave me her location, XXXX, but not her name. She then told me that she had successfully blocked the account and forwarded the information to their investigation department. I asked for an email confirmation to prove that the account was in the closed. She told me I would have to wait 30 days. I find it incredibly strange that they would send out an automated email immediately after an account is opened but a person closing an account would have to wait 30 days. I question whether the individual I spoke to actually works for Citibank. I believe they might actually be part of the fraud and would like this issue investigated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22554
Submitted Via: Web
Date Sent: 2023-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-07
Issue: Other transaction problem
Subissue:
Consumer Complaint: Good afternoon! I made a money transfer on XX/XX/2022 in the amount of {$47000.00}. The transfer was sent to XXXX to my sister 's account. The transfer was canceled on the side of the correspondent bank of the recipient XXXX XXXX XXXX Bank XXXX XXXX XXXXXXXX XXXX XXXXXXXX. And they should have already been processed by CITIBANK N.A., but the money has not yet been returned to the account. My attempts to contact the bank by e-mail were unsuccessful, and the bank was in no hurry to help me resolve the situation, he only said that he was not responding to individuals, and asked the sending bank to contact him. But the sending bank, XXXX XXXX, tells me that this is not within its authority. I am inclined to believe that CITIBANK N.A. is deliberately withholding my personal funds for its own benefit. Too much time has passed since the payment was canceled.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A