Date Received: 2023-01-27
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I am required to pay, at this time for a debt that I did not incur. Citibank failed to properly secure and protect me from Identity Theft. I received a letter from Citibank notifying that I had unusual activity on my card or activity not familiar with my habits. Turns out, they mailed me a Citibank XXXX, via Brooks Brothers department store. I NEVER received the card. To date, no card. Activity for a XXXX store. My cell phone accounts are with XXXX. I have never had any business with XXXX. There were two transactions on the same date ; for {$130.00} and {$840.00}. I explained to the representatives, twice, that I received no card. Also, the first person that I spoke with in XXXX or very early XXXX explained that the card was verified and pin requested. I have other cards through Citibank and have never asked for a PIN on a credit card for this very reason ; not enough protection when issued via phone. They sent me a billing statement indicating that I owe {$130.00}. I owe NOTHING. At the first call, because they did not protect me, I advised the person to cancel the card. Not sure if they did. Also, they indicate on the billing statement that the card ends in XXXX, but the charges are for a card ending in XXXX. Not sure why two diff erent account numbers on one statement? Need an explanation. Citibank messed this up. As a bank, it appears their controls to protect customers using a PIN failed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60623
Submitted Via: Web
Date Sent: 2023-01-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-27
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: On XX/XX/2022, I opened my Citibank app to check my balance. As the balance seemed low, I looked at the detailed transcations and saw that six checks had been cashed on XX/XX/2022. There were five checks in the amount of {$130.00} each and one check for {$400.00}, for a total of {$1000.00}. All of these checks I had written to one vendor and were dated mostly from XXXX 2022. All of these checks had already been previously cashed by Citibank and Citibank erroneously cashed them twice. Upon noticing this and confirming that indeed these checks had already been cashed, I contacted Citibank 's fraud line. I was told that yes the checks were erroneously cashed twice and they would start an investigation. I was given the following reference number XXXX. Since then, I have reached out to Citibank on multiple occassions but always with the same response that the issue is still under investigation. More than six weeks have passed and I still have not had the funds re-deposited in my account from what seems to be a very straight forward issue. I am attaching a snapshot of my transaction statement showing the checks cashed in XXXX and an earlier statement showing that they had already been previosuly cashed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 200XX
Submitted Via: Web
Date Sent: 2023-01-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-27
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I called in and was told that I had 45 days to cancel the credit card and be refunded the annual fee. I called in on the 42 day and was told I only had 37 days.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 750XX
Submitted Via: Web
Date Sent: 2023-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-27
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Citi card did not refund me the negative balance of my card. Originally they said refunds will take 3-5 business days, that did not happen, and then after taking with customer support after a week and no refund showing up, customer support refused to provide explanation and said keep waiting, with no timeline given.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27705
Submitted Via: Web
Date Sent: 2023-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-27
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 opened an account with CITI in late XXXX to use as debt consolidation because of a XXXX no interest promo. I balance transferred a card into the CITI card and made a few purchases early XXXX, set up auto pay, and left it. I was severely injured and spent the better part of the last few years in and out of the hospital and recovering from surgeries. In XXXX I noticed I had a cash advance interest fee on my account, I contacted and tried to resolve, got nowhere. They passed me around to different people, nobody could tell me what it was from, they just said they will send me my statements ( there was nothing on my digital statements ). I was moving and having major XXXX again, so I left it on the back burner. I am now trying to piece my life back together and get out of debt, and once again they can not tell me what the 30 % fee is from, they insist I used an atm to take money out. I am 10000 % sure I did not and have never done so in my entire life. I requested statements again, and never received them, they are unwilling to investigate this further because it's an older charge, my payments are getting consumed by interest, so my balance isn't decreasing, and the remedy I was offered was to pay off entire balance to get the adv fee removed. I can not afford the hit on my credit, so I am being forced to pay this charge and 4 years of interest fees for a cash advance i never took out, they cant even tell me anything regarding the transaction or if it was an error. This is absolutely ludicrous, and I will never in my entire life deal with CITI again.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-27
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Macys Credit was a fraud account. Along with others and student loans. I called all companies to advise. Macys is the only one who says they can do nothing about it. This account thats fraud i could not even verify until we went through a process. Now that they have updated my info they keep saying it verified as me. The obvious would be if someone used my info and they updated it to my current info. Of course its going to verify back to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43209
Submitted Via: Web
Date Sent: 2023-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-27
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: Detailed description and back-up info attached. I went to sign up on XXXX to watch a football game that was starting. I had problems between putting info into computer & television. Before anything else could be done they required credit card info and accepting terms & conditions ( several hours of reading in length ). I never completed requesting before it got to the fourth quarter. I did not realize I was considered signed up until the credit card statement. I cancelled immediately, but they never acknowledged. Even after XXXX efforts on computer and on the phone, I still have no email confirmation. I ask for these to be credited. In addition, per the info XXXX sent to CITI the credit card showed {$64.00} as the monthly payment. At that time {$64.00} and {$69.00} were their highest charges. There are also not supposed to be taxes added. The overcharge was {$110.00} when it should only have been {$64.00}. I attached several pages from their website showing {$64.00} over and over. The {$64.00} is already far higher than any other streaming service.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32606
Submitted Via: Web
Date Sent: 2023-01-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-27
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I was scammed by Citibank with their checking account promotion bonus. I opened XXXX checking account with Citi bank on XX/XX/2022, and qualified for the bonus program by depositing {$75000.00} into the account. The promotional {$1000.00} should be deposited into my account in XXXX. However, its been XXXX months and I am still waiting. A lot of people are having the same issues as myself. It's unacceptable that a nationwide bank franchise won't honor their legal terms. The rating agency should downgrade Citibank as apparently this kind of behavior incurs loss of credit. I would like to request your urgent investigation into this issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 200XX
Submitted Via: Web
Date Sent: 2023-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-27
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/XXXX an ATM withdrawal was done without my ATM, {$500.00} Cash Withdrawal XXXX # XXXX Non Citi ATM XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX same Cash Withdrawal XX/XX/03 XXXX # XXXX {$300.00} Non Citi ATM XXXX XXXX XXXX I went to Citibank branch to file a claim and to have my atm replaced. Only few days later, I got a letter stating that both transactions were good. I filed a police report and went back to the branch, to show police report and to ask for evidence to come up with that decision, I have not use my ATM and those were not my transactions. Citibank should be responsible for this fraud. What proof do you have it was not fraud? I am asserting my rights under the Electronic Fund Transfer Act which says I can not be held liable for more than XXXX dollars. Are they intending to violate this act by not returning the lost money you are not liable for?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2023-01-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-28
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 XX/XX/XXXX someone used my credit card information to charge my Citi Bank Visa Costco card {$3000.00} and we contacted the credit card company and they are not resolving this issue and it is almost like they are frauding us as well. I got the credit card users info from the credit card company and called the police and reported it as fraud, we froze our credit, and I am reporting to you, I also contacted XXXX to help us resolve this issue with the card company and they are ignoring that as well. This is extremely frustrating and wrong what the person and the company are doing.In the beginning we were told by the credit card company that they made a balance trasfer, then I was told tonight they deposited {$2500.00} into their bank account. The party lives in another state than myself. I got a bill today with a balance of {$3000.00} that we did not charge or transfer and nothing is being done. I reported it to the police and they were asking for information on the incident for their investigation and the company told me they have to request it by mail. I have never heard of that. They just gave me the info over the phone but, they can't email it for investigation purposes. I feel like I am being frauded by the company as well. Such a mess. We also closed the account with the credit card company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30114
Submitted Via: Web
Date Sent: 2023-02-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A