Date Received: 2023-01-22
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I deposited my irs check in my account around XXXX in my Citibank account . The amount was about {$1200.00}. Due to my husband unemployment checks being direct deposit into my account. My account was froze. I visited the XXXX XXXX on XX/XX/XXXX to retrieve my money. When I got there the teller XXXX XXXX said she cant do anything from her end. I then spoke to the branch manager XXXX XXXX, who directed me to sit down with representative XXXX XXXX to see if I could get my money that I deposited by check into my account. We called a specialist on the phone from the fraud department named XXXX, she advised that I couldnt get the money that they were still investigating my account. Nothing was accomplished. I contacted Citibank almost everyday to get my money from the check I deposited and all I was being told was they are investigating my account. I would have to wait for a letter to be sent out and 60 days from the date on the letter I would receive a check in the mail. I received a letter dated XX/XX/XXXX. I contacted them in XX/XX/XXXX to see the status of the investigation. Then I was told the funds dont belong to me and that they would send the funds back to the Dept of Labor XXXX XXXX Still havent received anything till this day. No check in the mail or money sent back to my husbands Dept labor account. Im not working and I really need my irs money back. I have been under a lot of stress and the situation was not handled with professionalism or care.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11691
Submitted Via: Web
Date Sent: 2023-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-21
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I XX/XX/ I received a call from Macy 's about a missing payment. I have one Macy 's card that I use and it is with AMEX. I used the card in XXXX in the Macy 's store in XXXX, XXXX, and purchased two items. I paid {$50.00} toward this bill on XXXX The bill was due on XX/XX/XXXX I paid over the telephone and was given a confirmation number of # XXXX so I was confused as to why Macy 's was calling me. When I checked the automated account information, the message stated that my next payment was not due until XX/XX/XXXX While I was on the telephone I decided to make the XX/XX/XXXX payment early. The minimum payment due was {$29.00}, so I made that payment and received a confirmation # of XXXX. After hanging up the telephone, someone from Macy 's called again. I was told they wanted payment for my Macy 's store card. I have not had a store card in 7 or 8 years. In the meantime, the representative said she was taking those two payments off my Macy 's Amex card and applying them to my store card. I told her not to do that because I would incur a late payment with Amex, I would be charged a late fee and it would impact my credit score. She told me she was taking the payment and needed to pay them {$89.00}. The new bill came she took all of those payments and I have a late fee. This can not be legal.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 125XX
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: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: Citibank has reported XXXX of my credit card accounts as Past Due but none of my credit reports contain the required XXXX XXXX field of Date of First Delinquency to comply with the FCRA and XXXX XXXX. Citibank is NOT XXXX XXXX Compliant mandating deletion of my accounts at least until the required field of Date of First Delinquency is entered into XXXX XXXX and displayed on my paper credit reports. Failure to promptly update my file with the Date of First Delinquency for each account of Citibank shall be considered to constitute separate and distinct willful violations of the FCRA and deliberate disregard for XXXX XXXX Reporting obligations.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32836
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: 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 filed a dispute on multiple charge of services not as described and as promised. I filed these dispute with Citibank on XX/XX/XXXX. I received delayed electronic communication only from Citibank meaning they sent an email and the document was dated 2-3 days prior. I received an email on XX/XX/XXXX asking for more information about the dispute. I replied and said I was gathering the information and I would submit it. On XX/XX/XXXX, I submitted the information via email with attached word document. The email from Citi on XX/XX/XXXX did not specify a deadline for me to submit this information. I received a notice on XX/XX/XXXX that I did not send document. However, this is not true as I did on XXXX I called and spoke to a dispute person who confirmed that I didnt have to do anything and the dispute was going as normal and they have received my information. On XXXX I received a notice the dispute was closed because I didnt supply documents, but I did on XXXX This is the second time within a year Citibank has not properly handled a dispute and I have had to file complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43040
Submitted Via: Web
Date Sent: 2023-01-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-21
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I received an email on XXXX from XXXX XXXX asking if a new account was mine. Upon looking into it I found out someone opened a Home Depot card on XXXX. Maxing the card out for XXXX. I also found someone attempted to open an additional XXXX card afterwards. I filed a theft report with the FTC and followed the steps provided. Discussing it with Home Depot they have stated since personal information was provided in fully responsible for the account. I talked with them twice and on the second discussion they claimed I received benefits but refuse to tell me what I received or how.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 336XX
Submitted Via: Web
Date Sent: 2023-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-20
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I am filling this compliant because I was unjustly treated. So I need your help to get my money back from Citibank. They froze my account after I deposited the money that was paid to me by a customer that purchase goods from me in XXXX of 2022. Without any tangible explanation, they took all the money in my bank including the money that was in my account prior to the purchase. I have contacted both the branch and their supervisors more than 20 times after I received the attached letter to resolve these issues but to no avail. I don't know why a bank can do this and want to get away from it? Thx XXXX XXXX XXXX XXXX XXXX cell
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20774
Submitted Via: Web
Date Sent: 2023-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-20
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: In XXXX XXXX Citibank sent me a promotional offer by email ( attached ) of opening and funding a new savings account for various levels of XXXX XXXX frequest flyer miles awards. I opened the account within the timeframe, funded it within the timeframe, maintained the balance for greater than the requirement but was never awarded the miles. Various Citibank reps told me they were coming on two different dates. An investigation was opened and subsequently denied claiming my account wasn't eligible for the promotion as it hadn't been offered to me, which was incorrect. A third rep told me I had opened the account too early, which was also incorrect. This practice is dishonest and not in good faith.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-20
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XX/XX/ contacted XXXX services in regards to unauthorized inquiries showing on my XXXX credit report. XXXX XXXX XXXX - CBNA ( not authorized ) XXXX XXXX XXXX -THD/CBNA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CITIBANK NA XXXX XXXX XXXX XXXX XXXX XXXXCBNA XXXXXX/XX/XXXX, XXXX XXXX Card service
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33430
Submitted Via: Web
Date Sent: 2023-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-20
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: On XX/XX/2022 I was notified that my Citibank account ( XXXX ) was blocked for closure. My account was opened as a child and considered a custodial account to my parents joint account. On XX/XX/2022 {$27000.00} was withdrawn from my savings account. Since that time there has been no accounting of this money. I believe that some may have been used to pay outstanding money my parents owed to Citibank. According to my records, {$7800.00} is left and and not been returned to me. Attached is my XXXX statement. I did not receive any statements since this time. I have called Citibank numerous times with no resolution sine XX/XX/2022. Citibank does not make this department available to customers by phone or for any written correspondence. I placed my money in my Citibank savings account to keep it safe and instead it feels that Citibank has stolen it. They have refused to talk with me or provide any accountability with the money in my account. Please help me resolve this issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11570
Submitted Via: Web
Date Sent: 2023-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-20
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: Ive called multiple time in regard to my fraud claims in the total amount of {$5500.00} on XX/XX/22. I have not received and communication for this claims for over 30 day. In XXXX I received my statement stating the {$5500.00} was reversed back to my balance without any explanation or how the investigation was conducted. I called back on XX/XX/22 to see why it was reversed, the representative stated it was because I have not completed a form that was sent out there for the claim was closed. I explained to the repersentative that I have not received and form or document in the mail and ask to reopen the claim. The representative also advised me to keep an eye out for the form that will be sent in the mail for them to complete this fraud claim. Ive have called them multiple time in the month of XXXX to check the statues of my claim and the reason by {$5500.00} is not temporary adjusted in order for me to make my monthly payment. No one in the investigation department and give me an answer and now I have late fee and other charges to my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94585
Submitted Via: Web
Date Sent: 2023-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A