Date Received: 2024-03-06
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Estate of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Without the United States NOTICE OF RECSISSION To : BEST BUY CBNA, Custodial Trustee XXXX XXXX XXXX XXXX. XXXX MN XXXX RE : XXXX XXXX BEST BUY CBNA Contract Number : XXXX To all these Presents come, Greetings : In accordance with provisions set forth at XXXX XXXX XXXX XXXX, the negotiation identified as Contract/Account : XXXX is hereby rescinded for cause on the following grounds : 1.consent was obtained through mistake, fraud, undue influence, duress, and economic menace by any such custodian ; 2. the consideration for the obligation given fails, and ; 3. the contract is prejudicial to public law and public policy. This rescission is effective as to all aspects of the negotiation, including all documents signed in connection therewith, and automatically and immediately places the parties in their pre- contractual position, before the negotiation was entered into. Now Therefore, BEST BUY CBNA you have twenty ( 20 ) days to return all assets credited to said account to the undersigned ( or the value thereof as the case may be ) at the postal location first above-listed, and to take all actions necessary to reflect the termination of any security interest created under the negotiation. Provide to the undersigned an itemization of all disbursements, charges, the current principal balance, and all payments received to the account, so that we may determine the exact amount needed for tender. XXXX XXXX of XXXX XXXX XXXX XXXX to the undersigned By : XXXX : XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60651
Submitted Via: Web
Date Sent: 2024-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-06
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I have been a credit card customer with Citi since XXXX. Recently, they emailed me XX/XX/XXXX, inviting me to expand that relationship to a checking account. They offered a {$200.00} bonus as incentive, if certain requirements are met. On XX/XX/XXXX, I applied for the checking account through the link in the email. They approved the account. I needed to have {$1000.00} of cumulative direct deposits within 90 days. I sent {$500.00} on XXXX, XX/XX/XXXX, and I believe XXXX, via my spouse 's payroll. I say I believe for reasons I will soon describe, as Citi is currently holding us ransom for {$500.00} and the status isn't clear as they intentionally shroud the issue. After receiving the first {$1000.00}, I linked the account to XXXX to access the money and withdrew the balance. On XX/XX/XXXX, I received a call from someone claiming to be from Citi 's fraud prevention, but they sounded like scammers so I did not take their call seriously. Shortly after, I could no longer access my online account, which houses my credit card of 6 years and the new checking account. I received a letter from Citi, stating my account is in " restricted '' status, requesting a call. During this time, I used XXXX to retrieve the newest {$500.00} direct deposit. However, apparently the funds were either not received into the account, or they did and are holding the money from me. I say this because XXXX allowed me to send {$500.00}, but I am actually now in negative {$500.00} and my account with them is frozen. I do not have a local branch within 3 hours of me. I manage most of my money online, which I believe is reasonable, as I've done so with Citi for the past 6 years. However, I can't access or even see my accounts with Citi online due to their actions. I am more than willing to resolve the issue by phone, but my experience witb that is where things escalated to this complaint. I have spent over 4 hours on the phone with Citi today and STILL DON'T HAVE ACCESS TO THE ACCOUNT! Numerous different numbers and referrals to the " right '' department. Utilizing the reference number in the letter. Truly ridiculous. They claim my husband needs to be added as a co-signer to the account to remove the block. First, since when is their a rule saying this? Second, they say I have to do it at a branch, again there isn't one within hours of us. Instead, I suggested they just close the checking account, restore the online access, and tell me the status of the {$500.00} direct deposit from XX/XX/XXXX. NOPE. Add the cosigner or we can't remove the fraud block. When did a bank gain the right to hold people 's money ransom to arbitrary requirements. What kind of bait and switch invitation is this? They invited me to apply. I used the account the way I want to bank. If that's a problem, let 's close the account. But they won't even allow that. Get a checking account with us so we can waste hours of time and still not help you, then we'll steal {$500.00} of your paycheck. Good marketing and retention.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 139XX
Submitted Via: Web
Date Sent: 2024-03-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-06
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: After receiving a, " DARK WEB ALERT, '' Concerning my XXXX Credit Report I do not have/nor have had any contracts or attempts therein for contracts/Leases with any of the, " Ascertained Named Companies/Financial Institutes . '' BELOW The information obtained was, FRADULENT therefore, I REQUEST IT BE IMMEDIATELY REMOVED FROM MY CREDIT AS FRADULENT. FRADULENT INQUIRIES AS SEEN ON CREDIT REPORT : XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: CA
Zip: 92704
Submitted Via: Web
Date Sent: 2024-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-06
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Consumer Complaint XX/XX/XXXX Consumer : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, VA XXXX XXXX XXXX Financial Institution Info : Citibank XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX VA XXXX ( XXXX ) XXXX Re : Account # XXXX Complaint Details : Citi Bank Refuses to close & release funds for my cardholder account based solely on the results of biased automated Fraud Filter, in violation of Sections 1031 and 1036 of the Consumer Financial Protection Actof2010 ( CFPA ), 12 U.S.C . 5531 ( a ) and ( c ), 5536 ( a ) ( 1 ) ( B ) ; Citi Bank engaged in unfair acts or practices by determining no error had occurred and freezing my accounts based solely on the results of Banks an incorrect/ biased automated Fraud Filter, in violation of Sections 1031 and 1036 of the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S.C . 5531 ( a ) and ( c ), 5536 ( a ) ( 1 ) ( B ) ; Citi Bank failed to conduct reasonable investigations of my State Issued Government Check release of funds to me and instead withdrew the funds and subtracted it from my account violating the Federal Deposit Insurance Citi Bank failed to timely investigate and resolve my state issued check deposit and my cardholders notices of error concerning alleged unauthorized EFTs, in violation of EFTA, 15 U.S.C. 1693f ( a ), ( c ), and Section 1005.11 ( c ) ( 2 ) - ( 3 ) of Regulation E. Under Sections 1053 and 1055 of the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S.C. 5563, 5565. Citi Bank executed a Stipulation and Consent to the Issuance of a Consent Order, which is incorporated by reference and is accepted by the Bureau. By this Stipulation, Citi Bank has consented to the issuance of this Consent Order by the Bureau under Sections 1053 and 1055 of the CFPA, 12 U.S.C. 5563, 5565, without admitting or denying any of the findings of fact or conclusions of law, except that Citi Bank admits the facts necessary to establish the Bureaus jurisdiction over Citi Bank and the subject matter of this action. Citi Bank incorrectly determined, based solely on the results of Banks Fraud Filter, that no error occurred, and, as a result, Citi Bank ( i ) denied me as a consumers error claim or reversed permanent credits previously granted to the me as a consumer and froze blocked the consumers checking deposit account. Citi Bank has given me Consequential Harm meaning financial harm that affected me as a consumer and made a business as big as mine go belly up and halted my business and sales/ because it was designated Expenses and revenue deposit business checking account where I receive monthly subscription payments from my all my customers and due to that fact, it incurred due to the time my deposit checking account remained frozen or blocked after Citi Bank incorrectly determined that no error occurred on my business checking deposit debit card account, based solely on the results of Banks prejudice Fraud Filter. I authorize the Bureau of Financial Institutions to send a copy of this complaint, together with supporting documents, to the company against which the complaint is filed, other regulated entities, or the appropriate state or federal agency. I also authorize the company to release all records relating to this complaint to the Bureau of Financial Institutions, and I authorize the Bureau of Financial Institutions to release records relating to this complaint to the company. I also agree that by signing this form I authorize the Bureau of Financial Institutions to obtain any information required to evaluate my complaint. Your signature is required for the Bureau to process your complaint. Citi Bank would conduct an investigation that could include, among other steps : comparing the location of the transaction with my residence or habitual transactions ; accessing ATM camera footage ( if the alleged unauthorized activity occurred at a Citi Bank ATM ) ; and contacting me as a cardholder for further information. Following a surge in notices of error followed by an error of fraud for my check deposit, Citi Bank changed its practices for investigating fraudulent check or payment services deposit to conveying my cardholder notices of error. Under its new strategy, which Citi Bank implemented and ran my cardholders notices of error concerning alleged unauthorized EFTs through its newly developed automated Fraud Filter, and for notices of error that met any indicator used by the Fraud Filter ceased taking the steps described in Paragraph above, as part of its investigation. After Citi Bank discovered the issue was not an issue, it continued to freeze my flagged business checking deposit debit card accounts and excluding all of my reconsideration request from me as a consumer whether it was pending or where Citi Bank had reversed its initial determination that no error had occurred. As a result Citi does not accept any new payment from my clients business ' payments for deposit into a frozen account .When Citi Bank blocks my business checking account, no transactions are permitted. But unlike an account freeze, Citi Bank permits cardholders with blocks to verify their identity directly with Bank. Upon verification, Citi Bank releases the block, and the funds in deposit account and debit card becomes usable again. Before implementing the Fraud Filter Citi Bank knew, or should have known, that the Fraud Filter would, in certain cases, incorrectly determine that no error had occurred but refused to remove the block and took my money from my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 223XX
Submitted Via: Web
Date Sent: 2024-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-06
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Each time I call Citibank, I talk to an outsourced call center. I have to start from square XXXX with each person I talk with. I tell them I have tried to make a transfer from my accelerated savings account to an external XXXX account. I verify all kinds of information : my account number, my SSN, my address, my phone number, when I opened the account, when I made the transfers. Each time they tell me my account is under review for XXXX. After that time period my transferred will be allowed. FALSE! I have gone through this XXXX different times. Twice they even said they would make an alert on my account to accelerate my request since I have been having trouble. After all that, then WITHOUT NOTICE my account was blocked. I could not even access it or see the money I had in my account. After XXXXXXXX XXXX on the phone I was able to get my account access back and they CONFIRMED I WOULD BE ABLE TO MAKE THE TRANSFER THEN. FALSE! I still was not able to make a transfer. Finally, I tried making the withdrawal initiated from my XXXX account to Citibank. It is still under review for XXXX in which that time period is already passed and my transfer is still on " hold ''. No one is able to help me, no one is able to resolve my problem and in the mean time I am not able to access MY OWN MONEY!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 618XX
Submitted Via: Web
Date Sent: 2024-03-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-06
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I used my ATM card on XX/XX/XXXX to fill up my car. I was in a road trip to XXXX. Since I was out of the usual area in which I normally use the card, the transaction was denied. I called the bank on XX/XX/XXXX to resolve the situation. According to their policy, they told me that I should have received a voicemail with a code in it. Without that code, I could not clear the account. I did not receive said voicemail. I asked for another way to verify my identity and they said that they could call me on the cell phone registered in the account. I authorized the call and they could not reach my cell phone as well. I made four attempts on that day to solve the situation. At this point, account was frozen by their fraud department. On XX/XX/XXXX, I called again and they told me that they would send me a letter with another code to verify my identity, since they could not reach me on my cell phone. That letter would take 7 business days to arrive. Today is XX/XX/XXXX, and I did not receive the letter yet. In the meantime, I do not have access to my funds and can not pay my bills with my own account having to rely on my wife 's account to transact any money. They are the only institution that can not reach my cell phone.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 079XX
Submitted Via: Web
Date Sent: 2024-03-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-06
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: THE END OF XXXX I CLICKED ON A SALE LINK FOR XXXX XXXX % off XXXX sale. I shopped for about an hour. I purchased {$66.00} worth of items. I never received tracking or an email from XXXX. After a couple weeks I went searching through XXXX for a receipt. I found nothing for that amount except a charge from a company called XXXX. I searched back in my email and found a receipt for charges with no description of items, or shipping information. I never received any other contact from XXXX. I immediately sent a message through their support email. NO one ever answered back. I went to Citibank and found the charge and disputed. I didn't realize I should have clicked Fraud. They tell me since I willingly gave my credit card to XXXX it wasn't a fraudulent charge. Citibank/Citi card has been sent pictures of the fake support emails that bounced back because it does not exist. They received a letter signed by myself and my husband about what had happened. They received several complaints about this company stealing money from people around the world not just the country. I was told I had to pay {$66.00} they had reversed the temporary credit they had given me. I made XXXX more calls pleading with them to go to a site and look at the people that had the same problem as me and other people that actually shopped on Risetor.com Which I NEVER SHOPPED ON! I was one of many people who clicked a link on XXXX taking us to a site so very well organized no one would have known. There were pictures from several stores at the time I had no idea of that either. XXXX, XXXX, XXXX XXXX, XXXX XXXX and more. All those pictures of items on that fake site were stolen from those stores. XXXX I did a search on XXXX XXXX scam. I found several other people complaining about the same thing that happened to me. Citibank Fraud department after weeks has not done anything. Citibank hires their fraud department from XXXX. Seriously? All I get is don't worry I will investigate this, and they have done nothing but tell me I owe XXXX {$66.00}. I never went on XXXX. This is a FRAUD CASE This company is making millions off the back of American citizens and others across the world with their bad selling techniques of ripping people off and fake websites.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2024-03-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-06
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: Without notice Citi blocked my account due to XXXX concern that my name on account is not the same as my government issued ID. Name on Account is FIRST NAME INITIAL ; MIDDLE NAME INITIAL ; FULL LAST NAME. My full name on documents is consistent with these initials. I have been a citi customer for XXXX years. Blocked account caused checks to bounce. I was hit with return check fees of {$40.00} XXXX for one check. I have over {$45000.00} in checking account and the bounced check was {$160.00} XXXX This appears to be a potential UDAAP violation ( section XXXX FTC - unfair deceptive abusive acts and practices ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92264
Submitted Via: Web
Date Sent: 2024-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-06
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: We contacted Citi after receiving notice our address had been changed. We did not make the change. During investigation, Citi confirmed unauthorized access to our account. At this point, our online access was frozen, and we had no way to check charges or balances. Citi eventually closed our credit card account without informing us. That is we did not request the closure, nor know about it beforehand. Our account had {$990.00} in cash-back rewards at the time of the closure. Citibank did not credit these reward points before closing our account, and now refuses to reimburse us for the reward points. Citibank states that once a credit card account is closed, any reward points are forfeited.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20001
Submitted Via: Web
Date Sent: 2024-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-06
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: this is part of complaint filed same problem as case XXXX I guess I must send this to each company involved its been sent to XXXX now same for Macys which is located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Macys.comXXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A