Date Received: 2023-01-31
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: Hello, I opened the Citibank Priority account on XX/XX/2023, seeing the earn up to {$2000.00} bonus offer ( attached ). My account was opened, and I received the debit card in mail. A few days later, there was a hold on my account and upon calling I was told that the account would be closed, and you will receive a letter in the mail. I received the letter in the mail ( File number XXXX ) and the only reason mentioned in the letter is unable to verify information. I called Citibanks fraud department, and I was told that XXXX has specified that my Social Security number is not issued. This is a very bizarre reason, because I have XXXX profile, I receive their credit report every month, I have few credit cards, a current mortgage with XXXXXXXX XXXX etc ( credit report attached ). I tried to convey the same to the Citis representative over the phone, but she had no other reason or explanation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02478
Submitted Via: Web
Date Sent: 2023-02-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-01
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: Dear MACYS/CITIBANK, N.A. ; I was shocked when I reviewed my credit report and found late payments on the dates below : XX/XX/XXXX and XX/XX/XXXX ; 30 days late? I am not sure how this happened, I believe that I had made my payments to you when I received my statements. Also, with everything going on, particularly XXXX, and being hospitalized with COVID, loss of a family member lately, and loss of job, etc. My only thought is that my monthly statement did not get to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02301
Submitted Via: Web
Date Sent: 2023-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-31
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I bought a printer and a laptop from Best Buy on XX/XX/XXXX on credit, at the time of purchase I did not know I had to have a membership with Best Buy before I could shop in the store so I was charged a membership fee of {$200.00} in addition to the price of the items. On XX/XX/XXXX, I paid off the balance of {$1700.00} which included the membership fee. The store sent me a receipt that my account balance is XXXX on XX/XX/XXXX. On XX/XX/XXXX the store sent me a bill of {$250.00}, though I had not bought anything from the store since my last purchase which had been paid off. I contacted them on this bill and I was told it is membership renewal fee, and I told them I don't need the membership so I want it cancelled. On XX/XX/XXXX, I received a confirmation that the account has been cancelled. On XX/XX/XXXX I still received a bill for {$83.00}, I called them back to dispute the bill, I was told the account has been cancelled. Since then the store ( BestBuy ) and XXXX XXXX who manages their credit system have been harassing me with mails threatening me to pay this amount that I do not know anything about and every dispute to them doesn't work. I need help to stop both Best Buy and XXXX XXXX from demanding money I do not owe from me. Thanks.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 016XX
Submitted Via: Web
Date Sent: 2023-02-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-01
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2022, I received a phone call from the official Citibank Customer Service phone number ( the same number on the back of my debit card ). The person on the line stated he was a Citibank employee named XXXX XXXX. He told me that Citi noticed fraudulent activity on my account happening in Florida ( where I used to live ). He proceeded to ask me questions that Citi would typically ask such as the last 4 digits of my social, my address, and later on in the call, the first 5 digits of my SSN. Although I never gave him my banking login information, he was able to get into my account with the little information he had. He mentioned that he had the names of the scammers that got into my account and asked if I wanted to press charges with the help of Citis legal department. By this point, while I was still confused by what was really going on, I was more worried about these imaginary scammers and wanted to resolve the issue. I told him yes I would like to proceed with charges and then he reconnected the phone call through a different phone number from a XXXX, Texas area code. The person I was on the phone with went through my bank statement transactions as if to search for more suspicious behavior he started reading out past XXXX payments that Ive authorized previously. He read off a few past XXXX payments that are monthly recurring transactions. Specifically ones that were sent to XXXX XXXX XXXX, a trusted contact in my phone. While he was going through my account I went to the Citi banking app on my phone and noticed nearly half my money was gone. I asked him what was going on but he gave me an answer that didn't really make sense. He then asked me to verify the contact of XXXX XXXX by sending a verification code to his phone number and told me to read it off to him. With whatever hacking technology this scammer has, he was able to use my friend 's name as the receiver of this money but changed where the money was actually being sent to. XXXX gave me a notification that the money was actually being redirected to a XXXX XXXX. I do not know this person and I am assuming this is a fake name. There were a total of 4 transactions. One of {$10.00}, {$4500.00}, {$2500.00}, and {$1900.00} equalling a total of {$8900.00} that he claimed I was getting my refund of from the money that disappeared. In order to send off that much money, HE created 2 new checking accounts under my profile so that I would keep sending money without a limit. Ive been received countless letters of denial for my claim and appeals from Citi. The scammer was able to go incognito by covering his own name and using the name of someone I trust in order to trick me into sending my money to get my refund. I want to also reiterate that this person impersonated a Citibank employee and called me from the Citi Customer Service number ( XXXX ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90015
Submitted Via: Web
Date Sent: 2023-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-01
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: When I discovered my XXXX XXXX dropped XXXX points I looked to find out why, because I worked so hard to not be late and keep my credit score high and pay my revolving accounts on time. I discovered I owed {$14.00} to XXXX XXXX and I paid it immediately, then I requested the account be closed because I didn't want this to happen again. I contacted XXXX XXXX by phone and they discovered they had the wrong address on my account, and I never received a bill. I asked them to contact all 3 credit bureaus to request the delinquent status be removed. They assured me they put that request in. I also disputed the delinquent status with all 3 credit bureaus. It appears that XXXX and XXXX removed the 30 to 90 day delinquent status but XXXX refused to remove it from my credit report, statingThe credit reportsme delinquent. It was only {$14.00} and I never received a bill. So to have my XXXX XXXX severely affected XXXX point Negative seems extremely excessive. appreciated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85212
Submitted Via: Web
Date Sent: 2023-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-30
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: After noticing emails stating new card sent I signed into online account XX/XX/XXXX and went through steps to close account. On XX/XX/XXXX I received an email that stated my account had been unlocked- after I attempted to close this account. On XX/XX/XXXX I called customer service and spoke with a person to specifically close this account. On XX/XX/XXXX I received an email that my account was reopened.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 404XX
Submitted Via: Web
Date Sent: 2023-01-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-30
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On the date of XX/XX/XXXX, I checked my credit report as I normally do monthly. I noticed that i had inquiries appearing on my credit report that I was unaware of. I reached out to the credit reporting companies and was told to file a police report, in which I did and faxed it over. Unfortunately this issue has not been resolved. I have once again listed the inquiries that appear. XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33430
Submitted Via: Web
Date Sent: 2023-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-30
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Citibank sent me a letter that they were unable to process my application because they could not verify the accuracy of the credit information. I did not apply for a credit card, mortgage or anything related to Citibank, the letter did have a reference number- Ref # XXXX. I would like to find out who or what they were applying for and make sure Im not responsible. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11572
Submitted Via: Web
Date Sent: 2023-01-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-30
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Our Savings account with Citibank was compromised on XX/XX/XXXX, so they froze all of our accounts ( Checking and Savings ) and began an investigation. We were told to open new accounts which we did immediately. We received new debit cards, etc. On XX/XX/XXXX, our accounts were closed with no warning. I received an email on XX/XX/XXXX stating " Based on a recent review of your Citibank XXXX XXXX ) Savings Plus Account account, we found that you have violated the terms of your account per the client manual. As a result, your Citibank ( XXXX ) XXXX XXXX Account account and any other Citi accounts you have will be closed within 60 days of the date of this communication. All of your accounts are now restricted from receiving deposits or credits, effective immediately. '' Additionally, in the email it stated " If you believe these funds should be sent to you sooner than the expected closing date, please visit your local branch or call the number on the back of your ATM/debit card. '' We visited the Citibank branch in XXXX, VA on XX/XX/XXXX to see if they could help us and they did nothing. We were told we would receive all of the funds in our accounts in 30-60 days. They froze access to all of our money, meaning we can not withdraw or use it. How do they expect people to live in this situation? We have no access to our own cash. They closed our accounts but we can't have our money immediately? Make it make sense.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 20176
Submitted Via: Web
Date Sent: 2023-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-30
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On the date of XX/XX/XXXX, I checked my credit report as I normally do monthly. I noticed that i had inquiries appearing on my credit report that I was unaware of. I reached out to the credit reporting companies and was told to file a police report, in which I did and faxed it over. Unfortunately this issue has not been resolved. I have once again listed the inquiries that appear. XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33430
Submitted Via: Web
Date Sent: 2023-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A