Date Received: 2023-01-22
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On multiple occasions I sent, registered mail with a police report from the XXXX XXXX XXXX XXXX in conjunction with the federal trade commission report and lastly my dispute letter. I disputed over the phone I have disputed online and through registered mail. XXXX is the only XXXX reporting this inaccurate information and they refuse to honor my humble request although I have been victimized by identity theft. Please help me. XXXX XXXX. XXXX has horrible customer service and very disrespectful there business practices are unacceptable. I'm ready to take this credit reporting company to justice. XXXX has proven themselves incompetent and ultimately forced me to file this report. I tried to resolve on my own but they refuse to adhere to the police report ftc report and have totally disregarded my diapute letters. I have disputes this inaccurate item XXXX times
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44004
Submitted Via: Web
Date Sent: 2023-01-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-21
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: On XX/XX/XXXX I placed an order with the online clothing store which was advertised on XXXX - XXXX XXXX XXXX The total amount was {$220.00} paid by my Citibank credit card. For some reason the credit card charge shown on my account was for {$99.00}. After a few days I checked the order status and it still showed " Not shipped ''. I checked the XXXX and the store ad was updated to a different domain. I tried to contact the store by email and the email turned out to be unavailable. The store turned out to be a fraudulent website located outside of the United States as the banking charge showed the merchant location in XXXX XXXX. On XX/XX/XXXX I disputed the transaction with Citibank and the bank gave me a conditional credit of {$99.00}. I also called the bank on the next day and reported my card to be compromised, they cancelled it and sent me a new one. However, on XX/XX/XXXX I received a new email from Citibank that the conditional amount of XXXX was reversed because I 'accepted responsibility for the {$99.00} dispute with the merchant from XXXX XXXX XXXX and the dispute was closed in the favor for the merchant. I never accepted the responsibility for this transaction with the fraudulent merchant and simply wanted to get my money back as I was swindled out of my money by scammers from XXXX XXXX. I believe that the bank did not stand by their customers by offering financial protection and did not provide adequate investigation for the disputed transaction which was obviously a fraud scenario. I would like to file a complaint with the CFPB to get this investigated and receive a credit from the bank for {$99.00}. Please assist me with this case.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33647
Submitted Via: Web
Date Sent: 2023-01-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under al open end consumer credit plan as late for any purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27526
Submitted Via: Web
Date Sent: 2023-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under al open end consumer credit plan as late for any purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27526
Submitted Via: Web
Date Sent: 2023-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-21
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I opened a Wayfair credit card through CitiBank around XX/XX/XXXX. To this date I have never received that actual card, so I only have access to the last XXXX digits. I charged {$370.00} on or about XX/XX/XXXX through Wayfair. On XX/XX/XXXX I paid my balance in full through my XXXX XXXX XXXX bill pay. I have documents through my bank that the check ( # XXXX ) went out XX/XX/XXXX, and was cashed ( deposited ) by CitiBank on XX/XX/XXXX. On XX/XX/XXXX I received a call from XXXX notifying me that I was late in my payments, and they're charging me a late fee. They asked me if I wanted to make a payment over the phone. I informed them that I paid my balance in full almost a month ago ( 24 days ago ). They said they had no records of that. I informed them I will contact my bank and get my documentation. I called XXXX XXXX XXXX ( XX/XX/XXXX, and printed my documentation. I called CitiBank back, and again, transferred me from XXXX person to another to another. No one had a clue of what they were doing. They finally told me to fax them the documents, and they will open an investigation and at this time they will put the late fee on hold. They gave me XXXX different fax numbers to send it too them. I then asked for an email as I'm retired ( XXXX ) and don't have access to a fax. They basically told me not their problem and I can mail it in. I ended up faxing them a copy of my check, front, and back on XXXX XXXX XXXX XXXX XXXX XXXX p.m. and have confirmation it went through. Citibank also gave me case # : XXXX. On Saturday, XX/XX/XXXX, I received a letter from CitiBank trying to collect a late payment for this acocunt.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33484
Submitted Via: Web
Date Sent: 2023-01-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-21
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: Opened a checking account on XX/XX/2022 on behalf of my wife, who received an invitation to open such as a Citibank customer with an offer to earn a tiered bonus predicated on the deposit of funds. It was called the OOBTA Tiered Bonus Checking Offer. The offer code for same is supposedly # XXXX. We opted to deposit $ XXXX into the account and were given 20 days to deposit funds to earn said bonus and the money needed to remain in the account for ninety or 120 days in order to receive a {$700.00} bonus award. The account was fully funded on the XXXX of XXXX ( or the day after the account was opened ). The the bank has verified this on several occasions via telephone inquiries to determine my specific eligibility. I was assured on each such occasion that my eligibilty was concrete and validated. The money remains untouched ( $ XXXX ) and is still in the checking account to this day, more than six months after the fact. I was informed by Citi that the account would be credited with the {$700.00} bonus on XX/XX/2022. It was not. I called and made an inquiry as to the problem. I stated my case and they provided a reference number for my inquiry ( # XXXX ). They never responded. I was forced to call again. An 'expedited inquiry ' was formulated under the same reference number. Again, no response from Citibank. After several days I noticed an alert on my checking acount when I logged in. I read the alert which said that the bonus based on my opening the account a day later than the deadline. This was not the case and I appealed my case. After a 'back room ' inquiry regarding the account opening, I was assured by a manger on the phone that I was in compliance with both the date opened and the required deposit. An additional inquiry was initiated to the 'back room '. The 'back room ' now needed to find a different excuse to deny the bonus. And they did. Several days later another alert appeared on my account and I again opened the same to find out that I was again denied the bonus because the 'offer - invitation ' was directed toi my wife and not to me directly. The checking account I opened was a 'joint ' account with both my and my wife 's name. It refects all four Citibank credit cards that we possess as we are joint account holders in everything we possess that is 'Citi XXXX related! In my opinion this is despicable behavior for a major bank such as Citi supposedly is. I am embarassed for them as such and very embarassed in myself for trusting them to due the right thing. I hope you agree and await your reply in regard to my complaint. Thank you for your efforts on my behalf. Who knew I'd be safer in the hands of XXXX XXXX? Wow!
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: 2023-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-21
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On Thursday XX/XX/XXXX I was charged an atm fee of {$20.00}, Monday XX/XX/XXXX I was charged an atm fee of {$35.00} and again on Monday XX/XX/XXXX an atm fee of XXXX. I called Citi bank to see if they would reverse the charges on Saturday XXXX XXXX the first customer service guy told me told me he had reversed all 3 fees. After waiting about 15 I looked at my account again he only reversed 1 charge. I called back to see what had happened. The second clerk said they only could reverse 1 of the fees. That not what I was told by the first guy. Even before I opened this account I contacted this bank and told them what I was going to do because I was looking for a international bank because I was traveling to XXXX XXXX at no point of the conversation did they explain all these fees to me. It fact they told me I would not have all these fees because Citi bank had operation in this country. I was lied to multiple times by this bank and it is time for this to stop.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33160
Submitted Via: Web
Date Sent: 2023-01-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-21
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened a checking account XX/XX/ 2022 and deposited {$75000.00} for 3 months. I was supposed to receive a {$1000.00} promotional offer but was never received. I called mid-XXXX, they informed me that the terms were met but it could take an additional month. Mid-XXXX came around and have not received the bonus. I call again and now they tell me it could take an additional month. I explained to them that the last representative assured me that I would receive it in XXXX. I feel that the representatives are not adequately trained because I would get different information from them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77494
Submitted Via: Web
Date Sent: 2023-01-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-21
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I opened personal checking accounts in CITI Bank, in XX/XX/2022, then I deposited my clients checks into the account and also ask XXXX to deposit my money into one of the accounts, but all of sudden my bank app didnt show my accounts information then I called the contact us the agent told me your accounts are suspended as of XXXX XXXX and you will get your money that you deposited within 30-60 days. I waited 30 days no checks arrived I called again they said its in process by Fraud Department I asked why thy said you deposited business checks into personal checking and this is against Citi bank policy, I said so this is a mega crime and I have to be punished? No answer or explanation was given to me exempt its against bank policy. I waited 74 days then called again and now they said there is no money in my accounts and I have to contact the clients issuers of the checks and ask them if they can issue another check. Im writing this complaint because bank treated me like a criminal just for depositing business checks into the personal accounts and no answers for XXXX benefits what happened. I like to seek help from you because my numerous contacts with the bank lead me no where with all my deposits and funds that they confirm by mail. Please Help, Many thanks in advance, Regards XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91304
Submitted Via: Web
Date Sent: 2023-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-22
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My CITi Bank checking and savings account, was subjected to fraudulent activity, by someone gaining access to my account, transferring all the money out through XXXX, and creating an unauthorized loan account, which was also drained. I contacted Citi Bank fraud department immediately, they opened an investigation. Over a week passed, and now I have been informed that Citi Bank will not be refunding me the money, as they say it was my fault. Additional checking accounts were also creased by the fraudsters. CITi Bank has not fixed my account, refunded the stolen money, and has not removed the unauthorized loan account. CITi Bank does not seem to care or take responsibility for my money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21403
Submitted Via: Web
Date Sent: 2023-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A