Date Received: 2023-01-30
Issue: Wrong amount charged or received
Subissue:
Consumer Complaint: Hello! I'm a XXXX resident. XXXX XXXX I opened a Citibank checking account online. My Grandmother who has a joint money market account with her niece instructed to send an international wire transfer of {$12000.00} to my newly opened Citibank account. When that deposit hit my account on XX/XX/XXXX I tried to XXXX myself {$500.00}. Immediately citibank flagged the transfer and froze both our accounts. Both my aunt, grandma and myself called citibank to confirm the wire transfer was valid but they did not adhere and told there would be an investigation and all monies would we distributed within 60 days. We kept calling all there XXXX numbers/fraud department and got run around every time. I went into a local branch in XXXX on several occasions for help. I dealt with XXXX XXXX XXXX who again who was not much help. In XXXX both our accounts were closed, and a check for the remaining balance that was left in my grandma 's account was sent. My grandma initiated this transfer as I was going to visit her in XXXX in XXXX where she lives 50 % of the time and wanted me to bring the cash for her medical fees & visits as she is XXXX XXXX. After my Grandmother called citibank in XXXX to get clarity on where her money is still no answer and let her know someone would be in touch. We then received a call from XXXX XXXX @ citibank XXXX XXXX in XXXX from the major incident dept. Again he has been little help and recently told us we need to call another XXXX number. It has been almost 7 months that Citibank has held hostage {$12000.00} and we still don't have any answers. My grandmother is old and has health issues and this money that is being held hostage from my grandmother is completely unacceptable.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94606
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: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2023 I notified Citibank that an EFT from XXXX XXXXXXXX that was not authorized was being taken from my account. Citibank promised me provisional credit while they investigate the matter further with XXXX. I have yet to get the credit and so I have asked Citibank to put a hold on my account and I transferred my funds to another account to protect them since Citibank will not. I have been a member of Citibank for over 20 years and I do not understand why I am having issues like this. I am hoping that this issue gets cleared up sooner than later and once done I need a new account number to stop this from happening again in the future.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11216
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: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: I called to do a balance transfer with citi mastercard by XXXX. I confirmed with customer service that I could submit a another balance transfer in the already open transfer and was told that I had one year to make more transfers. I asked how much I could transfer. She let me know that my limit was {$2000.00} but if I wanted to transfer more, I would need to increase my credit line. I agreed to increase as I have excellent credit. I was transferred to the department that handles increases in credit limits. My limit was increased to {$6000.00} and a hard pull on my credit was executed. I asked to handle the balance transfer and was transferred back to the customer service department where I was then told my another representative that I could not make any balance transfers. I was then escalated and transferred to a supervisor for the mistake who submitted the claim. I confirmed that if I signed up For another citi XXXX account with a balance transfer Offer ; I would be able to transfer a balance. But now that I have a {$6000.00} limit this will effect me being able to obtain any more lines of credit and a significant balance ( not just {$2000.00} ) I submitted my complaint and no one could tell me what the options for resultions were. They simply stated they could not reverse the credit limit increase nor could they give me a balance transfer. I feel this is fraudulent behavior and poor interdepartmental communication on consumer credit policies and laws
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ME
Zip: 040XX
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: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: To whom it may concern, My name XXXX XXXX. My husband has a repayment agreement with CitiBank to repay a loan I took This was forced on him because I filed for bankruptcy and he was forced to agree to repay the loan with a fixed interest rate of 7 % and a fixed payment amount. I have been making payments because he has almost no income, and payments have been made on time and for the correct amounts, but for the second time, CitiBank is trying to scam my account by reversing the payments I make to them, despite the fact that the payments are first accepted and the account which payment is made from always has the sufficient amount to make the payment. This issue has come up once again, I made a payment over the phone on XX/XX/XXXX, on a Checking Plus line of credit, # XXXX, which my husband has a repayment agreement with CitiBank at a rate of 7 %. I was told that the payment will be processed on XX/XX/XXXX. On XX/XX/XXXX, I called to ask if the payment was processed. I tried to make a payment for the second time and I was told that everything was fine and the payment was processed. However, XX/XX/XXXX, I received a bill stating that no payment had been made. I called immediately to fix it and made an ADDITIONAL payment of {$100.00}, calling the Citibank number XXXX. Representative XXXX, said everything is fine and the account is in good standing. Today, XX/XX/XXXX, I received a letter from CitiBank that they can not find anything about my account and that I should contact the bankruptcy department. I called today, and spoke with representative XXXX. I gave them my social security, my account number, my address, but representative XXXX refused to speak with me unless I give him the exact date that my account was opened. I do not recall this date because it was so long ago, and I do not understand why this is needed when I had already provided A ) An account number B ) Social Security Number C ) Address D ) My full name All possible information was provided. I do not understand why CitiBank is unable to access my information without the date the account was opened. I strongly suspect that this is made to defraud me and prevent me from making payments or discussing my issues with CitiBank. There is no other reasonable explanation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10306
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: 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: I received a paper statement which showed a transaction charge of {$190.00} for " BESTBUY XXXX XXXX. I did not authorize this purchase or renewal, nor did I receive any documentation in the mail about any renewal. There is nowhere on my BestBuy account webpage where I can find an option to cancel any automatic renewals or cancel renewals such as this. This is extremely misleading and frustrating. Especially since I literally just completed paying off this card. I reported this to BestBuy and tried to use their chat feature online to no avail.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 731XX
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: A Wayfair Credit Card was open in my name on XX/XX/2022. I was unaware until I heard from Wayfair saying that they suspected fraudulent activity. I promptly had the account closed but there was already a {$3200.00} balance on the card. The company ( Citibank ) open an investigation and declared it closed without asking for any additional information info ( other than my DL number ). I called back and it was reopened and then declared closed day later without any remarks. I called back last week and I am currently in the process of filing a police report and providing a copy of my license and bank statement per their request to have it reopened.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33327
Submitted Via: Web
Date Sent: 2023-01-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-30
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I received an SBA loan in the amount of {$140000.00} on XX/XX/XXXX of XXXX. It was deposited into my Citibank account # XXXX. After a week or so, Citibank froze my account. I went to the branch where I was informed that there was a fraud investigation pending. I verified myself as the account holder and was told to check back in a week. I went back to the branch and was told they would be closing my account and sending me a check for the remaining balance within 7 days. After 10 days I went back to the branch and they told me that they were sending the funds back to the SBA. They refused to provide me with any paperwork reflecting what they were going to do with the funds. Last month, XXXX of XXXX I was able to log on to my SBA loan portal and noticed that my balance was still reflecting the entire amount of {$140000.00}. I called the SBA and told them what happened. They told me they have not received any funds back from Citibank for my account. I called the bank and have been getting the runaround for a month. Sometimes they just say they can't help me because my account is under investigation and they just hang up on me. Other times they tell me they are going to get more info and to wait for an email or a call that never comes. I have called over 20 times and am still not able to find what the next step is to get them to either release the funds to me or send it back to the SBA. I am now paying interest for money that Citibank is holding on to. Their customer service has no clue how to handle my situation, they keep transferring me to different departments and the branch says they are not able to do anything for me. So I can not got to the branch or call Citibank to get help. I don't know what other option there is for me at this point. They should not be able to do this to their customers. They are holding onto funds that do not belong to them. I would like for them to either release the funds to me or send it back to the SBA so my interest payment reflect the amount I was actually able to use.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91205
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: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Bestbuy, is charging me {$830.00} in interest adding this amount to the amount that I already owned to this institution. They have a promotion to pay in 24 months but if this amount is not paid in total of the 24 months, they charge the total amount owned as interest rate. When I called them, they pushed to make me pay the full amount or the interest rate will continue. I have this store credit card for almost 10 years and I have never saw this charges. This is unfair and greedy. I have the statements to prove it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: RI
Zip: 02919
Submitted Via: Web
Date Sent: 2023-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-30
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: On XX/XX/2020 I paid my Macy 's account in full for the amount of {$230.00}. The due as per the statement was to be on XX/XX/XXXX with a minimum payment of {$63.00}, however, I paid it in full and asked to close the account as I had already experienced issues with their billing practices. The next statement reflects the full payment, but there were XXXX showing still owed ... fees and interest. At that point I called customer service and inquired how these fees can be legally billed when I paid the account in full and on time, the explanation did not make any sense and I disputed the charges. The account was never used again, however, somehow they ran up the charges to what they claim I owe today which is {$350.00} and in the hands of a credit collection agency by the name of XXXX XXXX XXXX XXXX. I have disputed this claim with them as well and three years later I am still fighting these ridiculous claims. After submitting my complaint to XXXX XXXX XXXX, along with all documentation ( attached to this complaint ), I still have no results. Instead of actually looking at the facts and what the issue is, they did an investigation on fraudulent charges to the account. My claim was not on fraudulent charges, my claim was on fraudulent charges on their behalf with interest and fees on an account paid in full as per my opening statement on this complaint. They can't seem to get it... Possibly on purpose. At this point it's been 3 years, very upsetting, and most likely affecting my personal credit score. I ask that the CFPB please help me with such an easy case that should never have gotten to where it is today. I have attached all documents as per my account. Thank you in advance for your help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
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: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: On XX/XX/2020 I paid my Macy 's account in full for the amount of {$230.00}. The due as per the statement was to be on XX/XX/XXXX with a minimum payment of {$63.00}, however, I paid it in full and asked to close the account as I had already experienced issues with their billing practices. The next statement reflects the full payment, but there were XXXX showing still owed ... fees and interest. At that point I called customer service and inquired how these fees can be legally billed when I paid the account in full and on time, the explanation did not make any sense and I disputed the charges. The account was never used again, however, somehow they ran up the charges to what they claim I owe today which is {$350.00} and in the hands of a credit collection agency by the name of XXXX XXXX XXXX XXXX. I have disputed this claim with them as well and XXXX years later I am still fighting these ridiculous claims. After submitting my complaint to XXXX XXXX XXXX, along with all documentation ( attached to this complaint ), I still have no results. Instead of actually looking at the facts and what the issue is, they did an investigation on fraudulent charges to the account. My claim was not on fraudulent charges, my claim was on fraudulent charges on their behalf with interest and fees on an account paid in full as per my opening statement on this complaint. They can't seem to get it... Possibly on purpose. At this point it's been 3 years, very upsetting, and most likely affecting my personal credit score. I ask that the CFPB please help me with such an easy case that should never have gotten to where it is today. I have attached all documents as per my account. Thank you in advance for your help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A