Date Received: 2023-02-03
Issue: Fraud or scam
Subissue:
Consumer Complaint: Dear Sir or Madam, I am a Citi Bank customer and my account information was leaked somehow. I constantly received suspicious calls since XXXX. On XX/XX/XXXX, an imposter claimed to be from the bank and tricked me into sending them cash through XXXX. The imposter initiated a series of unauthorized charges to my account before the call and already knew my account information when he spoke to me on the phone ( I did not share my account access information ). He managed to fake a XXXX account with my name and instructed me to send around {$5000.00} to the account for the sake of security. Later I report the whole case to Citibank and the bank reversed some of the fraudulent transactions but refused to help me with the XXXX scam. I filed multiple cases with the bank for the scam, trying to get a refund but they just turned me down with no explanations. Police reports naturally couldn't help much either. As an international student who already lived frugally, I can not possibly afford such a huge loss and it was so devastating. I believe that Regulation E, part of the federal Electronic Fund Transfer Act requires banks to refund consumers for fraudulent transactions on their accounts. Please help me if you could and let me know if there is any action I can take to persuade the bank. Sorry for sounding desperate but I truly am. Thank you and all the best.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10032
Submitted Via: Web
Date Sent: 2023-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-03
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: Dear CFPB, I opened a new Citibank Accelerate Savings Account on XX/XX/XXXX, under a promotional offer called the " Level Bonus Offer '', that came through the Citibank mobile application. The promotional offer was for {$450.00} for funding a Citibank Accelerate Savings Account with {$50000.00} or more. The promotion had a requirement to have the account funded by the 20th day after account opening, and keep the funds in the account for 60 calendar days afterwards. Then the bonus was promised to be paid 30 days after completing the funding activities. After signing up through my mobile app - I received an Email confirmation of the promotion from Citi on XXXX XXXX, XXXX. It has now been more than 40 days since the bonus was supposed to have been granted to me. I have called and messaged Citibank 5 times from the day the bonus was supposed to post to today ( XXXX XXXX, XXXX ). Each time, the Citibank Customer Service Representative says I qualify for the bonus and to call back in 5 business days. Each time I called back - there was no progress on my promotion dispute. A case was raised on XXXX XXXX, XXXX - and on XXXX XXXX, XXXX a response was given as follows : " Unfortunately, Promotion Code XXXX was not offered in conjunction with the above account. While Citi does offer cash promotions at times, those offers are only available to the individual to whom the offer was addressed. '' I called back Citi on XXXX XXXX, XXXX - who assured me that I qualify, that this was a mistake. I got the promo through the Citibank App, after signing in - so I'm not sure how I wouldn't be qualified. A new case was opened by Citi on XXXX XXXX, XXXX and I was assured it would receive escalated attention in XXXX business days. I called back on XXXX, XXXX, XXXX - and still no progress on my promotion. Furthermore, there is no email service provided to allow my promo confirmation email to be provided. I hope to get the bonus and help others going through the same bonus- to be aware of Citi 's issues in honoring this " Leveled Bonus Offer '' promotions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55126
Submitted Via: Web
Date Sent: 2023-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-02
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XXXX The above complaint has still not been resolved, and they ignore me
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 79605
Submitted Via: Web
Date Sent: 2023-02-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-03
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 had called XXXX when I was having difficulties obtaining a new car when I was stuck in XXXX, XXXX. Based on what I had been told in early XXXX, when I was on the phone, the representative told me after she had removed the incorrect addresses that my credit score would be XXXX. To my embarrassment at the car dealership, they showed me that the credit score was affected by a charge off from when my daughter had used my credit card and the amount was PAID IN FULL by me by negotiable instrument and remittance coupon with MONEY ORDER tendered by me to XXXX XXXX over XXXX years ago! I had no idea that the interest was still running. According to the rules of the statutes when tender is delivered, interest and late charges must stop! XXXX had still not removed it and neither did XXXX have my permission to share my private information to any third party. When in XXXX of this year, after being turned down by a few banks for financing due to that erroneous income as charge off or discharge would be considered income by the IRS, that should not even be on there. So, I did write to XXXX and I do believe that I am having retaliation based on me opting out of negative adverse reporting and asking for those harmful adverse information of my private information being shared to the public. I received XXXX letters of adverse action which goes agains HJR 192 & Public Law 73-10 as well as title 18, 8, the law also states that Credit Reporting Agencies do not have authority to report as they are not government but they could be construed as financial institutions in commerce using credit data as money. They make a profit with data sharing. Citibank on the phone let me know that XXXX called Citibank and " ordered them to reduce my credit limit from XXXX down to XXXX. '' ( I believe that is a code ) and I have received all of the credit reporting agencies with the same notice along with the car dealership letting me know of the lowered credit score and adverse action. These are damaging against my person and harming me. I opt out of negative reporting as it goes against " the privacy act ''. I believe I am being cyberbullied with my credit report as it has harmed me and I could not get a car and had to stay in hotel rooms until my car could be repaired and it took me about XXXX weeks to get home. These credit agencies are being paid by the companies and this is a XXXX violation of racketeering against my " full faith and credit '' .I demand that my score be restored to the highest score and all negative inquiries about my personal business be removed as it is harmful for the economy and all of these companies are being paid in full with negotiable instruments or they are using my credits open ended account and benefiting from the Racketeering scheme that they charge for companies to acquire information and I also would like proof that they also pay companies to report to them so that the people will have to pay higher interest rates or be turned down for credit when no one should be turned down based on title 18, 8 and HJR 192, public law 73-10.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91360
Submitted Via: Web
Date Sent: 2023-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-03
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: My son booked a flight with XXXX XXXX for XX/XX/2022, My XXXX grandchilds XXXX birthday. My son alerted my wife to visit XXXX web page to determine size of bag that would travel on the flight at no additional cost. I did this reading very carefully, and bags were measured to ensure they met the requirement for a no charge bag. We were unable to print boarding passes from our home due to a XXXX site problems and went to the ticket counter for our boarding passes. At the counter I was asked if I wanted to check my and my wife 's bags to which I said the bags met the requirement to travel on the flight free of charge as shown on XXXX web site. They said the wheels on the bag exceed the requirement by 2 '' and a charge for the bags was required. With limited time to make the flight I presented my credit card to cover the charge and voiced my complaint. I was told I must pay or not take the bag with my clothies and other items. My only option was to pay or not take a bag of items needed for the weeks stay in NY. I filed a credit card dispute with CITI bank. Citi determined that because I used my CITI credit card I was responsible for the charge of {$150.00}, XXXX charged for my and my wife 's bags. I called Citi Bank to question their decision and presented my argument to a Customer Service person who refused to understand and hung up the phone when I asked for justification of their decision. In addition the bags cost more than one ticket and I understand the Airline industry made a substantial profit on baggage XXXX XXXX dollars in 2022 I assume to make up for lost business during the Pandemic.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-03
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: Macy 's opened a second credit account in my wife 's name without her consent. We already have an original credit card in her name which we received and accounted for many years ago. Both cards were issued by an entity called Department Stores National Bank. We only learned that there were two different credit card accounts because we received a telephone call for non-payment of a bill when we had paid the bill on the original account. Apparently they shipped her a card for the new account making it seem like she had received an " award '' for her prior shopping. In this manner they were able to collect interest for an overdue payment. On the back of the new card there is, in very fine print, a statement that says, " By use of this card, you agree to all the terms and conditions in effect at the time of use. '' To be clear, we never authorized the opening of a second credit account and consider this action to amount to a fraud. Upon contact from Macy 's on XX/XX/2023, we immediately cancelled the second account.
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: 2023-03-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-03
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: In XX/XX/2022, I have attempted several times to dispute the transactions with XXXX, but either they do not understand, or they just refuse to listen. I have listed the items in the attached papers, with the final amount disputed of : {$1100.00} Two the excursions I did not even go on, those two amounted to : {$370.00} ( See yellow highlighted area ). They did in fact acknowledge that they charged me twice for two other items and would issue a credit for that. Then I was charged a total from this card, a total that I am disputing with you, but only {$1200.00} was authorized, as XXXX had already charged my XXXX ( Checking Account ) in the amount of {$1100.00}. I have attempted so many times to explain the discrepancies with them, but they have refused to understand that I was overcharged and charged for items I did not attend and timely de-scheduled. One of the items was canceled, and then put back on the schedule, but by that time they had already taken me off the schedule and I was scheduled for something else. Please kindly review the included documents and I dispute the complete charges from XXXX. I accept the listed items but I do not find it fair I have been charged for items either twice or in absence of me attending due to their error. Despite the many emails sent to CitiBank Credit card, and the ample documented evidence, they have refused to refund me the monies owed. I showed them the duplicate charges, that even XXXX admitted to but nothing is ever done. This is a substantial amount of money and Citibank refuses to do something about the many documented fraudulent charges made by XXXX, including the duplicate charges. I started my dispute with Citibank XX/XX/2022, realizing the duplicate and non-participating charges ( they said I went on excursions, I clearly did not ). I got nothing from them, and again requested assistance in XX/XX/2022, then after a denial of the claim because someone failed to read the CLEAR duplicate charges and the non-participating charges made in such an egregious amount, it was denied again. They were not even looking into it or disputing it for me. They let XXXX get away with clear amounts of fraudulent charges.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85204
Submitted Via: Web
Date Sent: 2023-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-03
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/XXXX I purchased a watch from XXXX for {$64000.00} ( receipt attached ). I wired money from my XXXX XXXX account to the sellers bank account at Citibank on XX/XX/XXXX ( wire details attached ). Order number XXXX I contacted them on XX/XX/XXXX for a status and they said the watch was with a XXXX party being verified for authenticity. On XX/XX/XXXX I was told that they were never able to get the watch and that I could cancel of have them keep looking for a similar watch. On XX/XX/XXXX I cancelled the watch. It took them a week to accept the cancellation on XX/XX/XXXX. I made many request for status of the refund and they kept delaying the date for refund. Ultimately they stated 10 working dates from XXXX it would be paid back. Given their policy I was due the refund on XX/XX/XXXX. When I asked about my refund being due they stated the refund would be another 15 business days clearly violating their policy and now making up dates to prevent giving me my refund. I have emailed twice about why they added an additional 15 days to refund my money and they have not replied I contacted XXXX XXXX Fraud Department about 2 weeks ago as I was suspicious that this was fraud. They contacted Citibank who has not done anything to recover the money from the fraudulent site tied to their bank. Further investigation by me has found that XXXX has similar stories of not refunding on XXXX so this is a wide ranging scam that Citibank is supporting. One user claims that XXXX was able to get his refund. They also have fraudulently created XXXX profiles and have those profiles create fake positive feedback on XXXXXXXX XXXX domain is hosted buy XXXX which reports that the site in ineligible for transfer, sale or renewal which is also a sign this site if fraudulent. I would greatly appreciate your investigation and attempt to recover this {$64000.00} and can provide any information you need. I have filed complaints with also the XXXX and FTC. I also have filed a criminal report which my country sheriff is investigation as a crime.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 20148
Submitted Via: Web
Date Sent: 2023-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-03
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: I started a balance transfer from Citicards to new XXXX XXXX card. Requested {$13000.00} to be transferred on XXXX XXXX electronic app. I called 4 days later asking status. XXXX XXXX made 2 requests-paid Citi XXXX and 4 days later XXXX for total of XXXX transferred over to new unused XXXX XXXX card . I dont have XXXX of debt in Citicards XXXX XXXX onlyso 1. Error making 2 payments for balance transfer ( only one authorized with me ) 2. Transferred someone elses debt to my account. Now, I am over limit on XXXX XXXX ( so interest being charged ), I was told by XXXX XXXX that Citi has to refund money for me to pay XXXX XXXX. Citi said refund would go to my checking account. Its all a lie. My credit card for Citi has been refunded. Now Citi shows I have a XXXX credit. How can I pay XXXX when my credit card was refunded for the error. You cant pay a credit card wjth another credit card. I need Citicards to pay XXXX. And then for all interest and additional transfer fees to be refunded. And credit is down over XXXX points because of this error. I really need help! Thank you! Also, I did this balance transfer to take advantage of XXXX XXXX XXXX mos 0 % APR. and cant even take advantage of this bc double was transferred over.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 064XX
Submitted Via: Web
Date Sent: 2023-02-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-03
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Good morning. Since the date of XX/XX/2022 I deposited a check electronically to Citibank and mistakenly forgot that it was already deposited. I then deposited the same check into a XXXX atm days later. Because of this duplicate deposit my account was under investigation and closed. Since then, I have been calling back every week for months and the bank representatives tell me a different story about what is happening with my funds every time I call. Nobody is giving me any real assistance as Ive needed my money back urgently for a long time now and they continue to give me a run around for my money. Please assist. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11411
Submitted Via: Web
Date Sent: 2023-02-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A