Date Received: 2023-01-30
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: Hello. I am still an authorized user on a company credit card that I no longer work for. I left the company in XX/XX/2022 and have filed numerous disputes with XXXX. I have also requested the card to be closed through Citibank. The employer in question does not return my requests as I've had issues receiving my employment records and unpaid wages from them as well. The credit card is currently over the limit which has greatly impacted my own personal credit score. My credit score has dropped XXXX points due to this. The company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60707
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: 2023-01-31
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: On XX/XX/XXXX I received an email ( included ) that may account had been closed and I owed {$8.00} in overdraft fees. I immediately sent a cashiers check to the address included in the email ( Citibank N.A.Bank by Mail XXXX XXXX XXXX. XXXX, MO XXXX ). I waited 10 business days and called to confirm the check was received. According to customer service, it was not. In the weeks to come I called countless times and spent SEVERAL hours on the phone with Citi Customer Service while they tried to locate the check for {$8.00} to resolve my account. I was told the check was never found. Then in XXXX I worked with my bank ( XXXX ) and they confirmed the check was cashed on XX/XX/XXXX ( Ive included proof of the cashiers check being cashed by LOSS REPORTING ). At this point, Im not sure why I was never told my account was in good standing by the customer service team, since the check was cashed in XXXX. Then on XX/XX/XXXX, I received a letter ( included ) that the check for {$8.00} was available at a branch in XXXX XXXX and that my account was given an auto credit. At this point, I assumed all the phone calls trying to locate the check were not necessary and that my account was cleared of the overdraft charged. Then on XX/XX/XXXX, I received TWO letters ( included ). The first letter dated XX/XX/XXXX is the exact same letter as the XX/XX/XXXX letter and explains the check is available at the XXXX XXXX branch and the account was given an auto credit. The second letter dated XX/XX/XXXX is stating the check has not been located and is requesting proof of the payment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98199
Submitted Via: Web
Date Sent: 2023-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-29
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I have 3 credit cards from different companies -- Citi, XXXX XXXX, and XXXX for XXXX. What I am noticing is that it is difficult to readily locate your credit limit when you view your account information on line. This is important to understanding and managing your total spending. What I am able to readily see, is the outstanding balance and the available credit. As you know, the outstanding balance does not take into consideration, pending charges. So, in order to get your true spending, you need to take your credit limit and subtract the available credit. I think this is very important and necessary to budget and managing your credit card spending, especially if the company raises your credit limit. In order to find your credit limit, you have to open up the last statement. Hopefully, between the time you pull the statement and when it was printed, there wasn't any change to your credit limit. I think credit card companies implemented this approach to make it difficult for the consumer to manage and budget their credit card spending, leading to increased spending. I see this a strategic tactic to get you over spend.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 280XX
Submitted Via: Web
Date Sent: 2023-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-29
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Information is not correct and is being reported wrongly.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77084
Submitted Via: Web
Date Sent: 2023-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-29
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I called Citi Bank on XX/XX/2023 about my direct deposit and they told me that I would not get deposited into the account cause it's in the process of closure and that the acount is blocked from all deposits and auto pay withdrawals well then I called them again on the XXXX of XXXX because my direct deposit still as not went back to my employer yet and I finally got someone there to tell me when it was rejected and all that. They told me that it can't go through it was already rejected from my account and that it will be sent back to my employer and that it takes 2 to 3 days to send back to my employer. IT IS ALL ON RECORDING TOO JUST SO U KNOW EVERY CALL I MADE TO THEM IS RECORDED.Well as of this morning on XX/XX/XXXX I got an alert from Citi bank cause my alerts are still on with them I guess but I got an alert saying there was XXXX dollars in my account now. When they actually blocked my account and I had no access to anything on the Citi mobile app or the website and when they closed my account there was XXXX dollars in there and on the XX/XX/XXXX I got an alert for that amount of XXXX dollars..so that means they deposited my paycheck after they told me twice that it got rejected and that it can't be deposited into my account cause the account has a block on any incoming deposits or pay withdrawals. So now I'm not going to get my paycheck for this pay period cause they tell me that anything that is in my account I have to wait 30 to 60 days for the letter they send out to me to receive my funds in that account and I have bills to pay I have an XXXX XXXX XXXX XXXX to take care of and all that and they took my money from me and I'm very very upset about this. Please do something ASAP PLEASE PLEASE PLEASE
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84047
Submitted Via: Web
Date Sent: 2023-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-29
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 complaint is regarding dispute XXXX XXXX with Citi. I purchased a software product XX/XX/XXXX. Upon using it and realizing it was not functioning as described in marketing materials that induced me to make the purchase, I requested a refund from the merchant on XX/XX/XXXX. The merchant refused to provide a refund or address -- much less provide support to mitigate -- the issues I found in the software they provided, prompting me to attempt a chargeback via XXXX. XXXX later denied the chargeback claiming the product did not qualify for buyer protection. As a last resort, I disputed the chargeback with Citi, the bank that issued the credit card I had made the purchase with. I opened this dispute on XX/XX/XXXX. On XX/XX/XXXX, I was informed by Citi that the dispute was denied in the merchant 's favor despite the merchant failing to address or provide evidence to refute any of my claims. I submitted a signed continuation of dispute letter on XX/XX/XXXX. I have attached all communication with the merchant, the dispute resolution letter Citi sent me, as well as the merchant 's response to my initial dispute claim.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48197
Submitted Via: Web
Date Sent: 2023-01-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-29
Issue: Other transaction problem
Subissue:
Consumer Complaint: I want to report regarding an business account with CITI BANK. I closed the account last 2014 but before the account was closed there was a wire transfer. I have a invoice that a transfer was given to my account. I called customer service couple of times and I filed a report with them. They said they no longer have information about that account and they told me to go to the branch to verify it. I went to the branch but I was told it might be unclaimed money. I don't know my rights about this problem and that is why I am reporting this to CFPB
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90023
Submitted Via: Web
Date Sent: 2023-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-29
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I have a Citi XXXX XXXX credit card that I've had for several years and use Citi 's accompanying XXXX Points. Initially, when Citi introduced their " Shop with Points '' option, I chose to link XXXX to my Shop with Points/ThankYou Rewards account. Now I would like to unenroll from XXXX with XXXX and to remove XXXX from my XXXX Rewards account. On the XXXX Points website, it says, " To unlink an account, visit that partner website directly. '' I called XXXX XXXX XXXX on XXXX and the representative checked with her XXXX and then told me that neither of them had any information about this and suggested I call Citi. When I called Citi later on XX/XX/, I spoke with a representative and then his XXXX, who told me that there is no way to unlink my ThankYou Rewards and XXXX account apart from cancelling my ThankYou Rewards account completely. The XXXX told me that even if I were a brand new Citi customer and used my credit card at XXXX, my Citi ThankYou Rewards information would automatically be shared with XXXX and there is no way she or I can prevent that.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06611
Submitted Via: Web
Date Sent: 2023-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-30
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I had an ongoing dispute with Citibank since XXXX regarding a {$2600.00} charge that they allowed a merchant to complete with an expired old card on file and an incorrect billing address. Citibank had originally credited {$490.00} and refused to give credit for the remaining balance, including {$2300.00} in interest charged and {$370.00} in late fees. They then reversed the {$490.00} credit. I decided to make over {$3000.00} in payments in two months to pay off the debt that I knew I owed, and refused to pay anything further. My disputes went back and forth with them for many months. I even went onto the merchant 's website and entered all my known email addresses to complete a password reset until I was successful and provided evidence that the card they had on file expired in XXXX, they had a very old billing address, and failed at 8 attempts of the charge the first time as they were simply reattempting with a different exp date until they got it right. I was never advised of the failed attempts by Citibank. In XX/XX/XXXX, after having completely destroyed my credit, they filed a lawsuit against me for {$5400.00} under my credit card account number XXXX which, is the only account I had with them since XXXX. I filed a response in court without a lawyer and advised their attorney of what took place and the attorney claimed they completed another investigation and determined I owed the complete amount. In XX/XX/XXXX, I receive a notice from Citibank that they completed another investigation and determined that I was correct and that they credited my account for {$1600.00} along with {$110.00} in interest which, again was not the complete or accurate amount. The amazing part is that they did not apply this credit to my account number. They created a whole new account number that ends in XXXX with a starting balance of {$5400.00} and applied a credit of {$1600.00} plus the {$110.00}, and showing a balance due of {$3600.00}. I now have their attorney 's office contacting me claiming I owe {$5400.00} on my XXXX card and {$3600.00} on a XXXX card that I never owned. The attorney is aware of this yet just requested that the court set a trial date and they have, it is now set for XX/XX/XXXX. Citibank is reporting default on {$3600.00} under this fake XXXX non-existing account onto my credit report and destroying my credit all over again. I do not have an attorney and they are destroying me with this. They will not even give me the whole account number when I have called twice to ask for it. All I know is XXXX, as you will see in the attached documents.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90703
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: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XXXX XXXX, I went to XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX purchase a microwave. I was talked into purchasing the product with their credit card which was issued same day for that purpose. The bill later came and I paid the whole money off immediately which was {$75.00}. I did not remember using the card because there was no need for it. Sometimes in XXXX got a bill of {$3000.00}. I immediately called them to contest the bill because I had not used the card after the first purchase and I explained that I'm not a XXXX and I don't even own a house moreover I live alone so there is no need for me to purchase anything worth that amount in a single transaction. They apologized and I told them to close the account and that I will destroy the card immediately. They offered to send me another card which I declined. I started getting calls from citi Bank on the need for me to pay this money and explained what transpired between me and XXXX XXXX. The calls stopped but the bill was still coming. I called their credit department and I was made to understand that I needed to send the copy of my driver 's license which I did almost immediately. Up till now I've not heard anything from them but the bill is still coming and this is affecting my XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21206
Submitted Via: Web
Date Sent: 2023-01-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A