Date Received: 2023-01-20
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: XXXX XXXX credit plan open my account that I did not request them to do so. I just got a letter from them stating they close my account that I never open the account with them in the first place
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11377
Submitted Via: Web
Date Sent: 2023-02-13
Company Response to Consumer: Closed with non-monetary relief
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: To XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Case # : XXXX XXXX. Account # : XXXX XXXX. Name : XXXX XXXX XXXX. Tel # : XXXX ( Cell ) / Email : XXXX XXXX. Current Address : XXXX XXXX XXXX XXXX XXXX KS, XXXX My name is XXXX XXXX. Id like to dispute unauthorized transactions from my checking account on the XXXX, and XXXX of XXXX, XXXX. And I also request to update my current address given above. I had moved to XXXX from XXXX in XXXX, XXXX and XXXX havent checked my checking account balance for a while because there wasnt any branch of Citibank here in Nebraska. Meanwhile, identity theft made several deposits to my account and withdrew my money from my account on the XXXX, and XXXX of XXXX, XXXX. I came to realize that my account was bounced by overdraft and Citibank automatically closed my account. So, I couldnt access internet banking to get bank statements in order to report this issue to the police. I tried to contact Citibank representatives to report this issue several times but they told me that the investigation was processing now and I need to wait until Citibank will contact me. So I visited branches of Citibank in California and reported the unauthorized transactions. They told me the same thing. I have been waiting for the reply for XXXX months but I havent received any response from Citibank. This morning, I called Citibank customer service one more time and got the information on how to appeal this issue to XXXX XXXX XXXX XXXX XXXX directly. And I requested to update my current address and contact number but the representative wasnt able to do that. So, I would like to request to change my current address and phone number as well. I look forward to hearing your answer about the unauthorized transactions from my checking account and starting out the investigation about my request immediately. If you have any questions regarding my request, please contact me at any time. I appreciate your help. XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: 665XX
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 lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/XXXX, I mailed several letters from my place of business at XXXX XXXX XXXX, XXXX, XXXX. Several of these letters contained checks. Within the next two days, 6 of the checks showed up in my online bank account. They had been altered and {$11000.00} was missing from my account. After an extended period of time, CitiBank returned the funds to my account. In the interim, on XX/XX/XXXX, I put a stop payment on check number XXXX, which was confirmed by CitiBank. This check was written to XXXX XXXX ( one of my father 's aides ) for {$500.00}. This check had been mailed with the other altered checks, but had not shown up yet. On XXXX, amazingly CitiBank cashed this check! And it had been altered and increased to {$5000.00}. I didn't discover it and wasn't back in town to register the complaint until XX/XX/XXXX. After placing the complaint, I have called regularly about having the money returned to the account. Each time this is an extended process, usually taking about 40 minutes, to get to the right department and waiting through multiple holds. On XX/XX/XXXX ( 50 min ), I was told by XXXX that it would be returned to the account 5-7 days. Of course I complained that this was a " stop payment '' and should be returned immediately. On XX/XX/XXXX ( 40 min ), I was told it could take between 60-90 days. On XX/XX/XXXX, I was told by XXXX that it should be returned in 5-7 days. On XX/XX/XXXX ( 25 min ), I was told by XXXX that they were still waiting for an answer from XXXX XXXX XXXX Of course I countered with what does that have to do with this, since this was a check that had a stop payment on it. I asked for a supervisor and spoke with XXXX, who said this could take 90 days. I then interrupted and said that this already over 100 days from when CitiBank cashed the check ( XX/XX/XXXX ) and she replied that they count from when the claim was made and I countered again that that is also over 90 days ( XX/XX/XXXX to XX/XX/XXXX ). She just said she would put my complaints into the record. It's obvious to me now that CitiBank is not actively working on this and just keeps pushing it down the road, and since it's firstly a case of them cashing a check that had a stop payment on it, there was no cause for any of the postponement. Their lax security is the cause of these problems. If they are not pursuing any of these criminals, but instead just victimizing their own customers, aren't they doing the stealing and also aiding and abetting criminals?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11554
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: Fraud or scam
Subissue:
Consumer Complaint: A scam call send money to two people with a total of {$1400.00} on XX/XX/2022.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10314
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: Card was charged for something you did not purchase with the card
Consumer Complaint: Best buy / CBNA XX/XX/XXXX I received a statement with a balance of {$58.00}, paid in full XX/XX/XXXX. XX/XX/XXXX received a statement with a balance of {$1.00}. I called into the customer service number disputing the {$1.00} charge as it was fraudulent, their response was they will take care of it. The next month I received another statement and so on and so on. XX/XX/XXXX I called the customer service number and they routed me to a person that stated my concern has been resolved and will be reported to the credit agencies posting XX/XX/XXXX. XX/XX/XXXX i reviewed my credit and noticed they closed the account due to delinquency. I called the customer service number again they are stating the charge was fraudulent and they closed my account for security reasons but cant make sense to how they " tab '' it within the system. Now they are stating it was resolved XX/XX/XXXX they applied the credit to the card but moved it to a different card, XXXX statement had a {$1.00} credit that's why the balance was {$58.00}. they cant make any sense of the whole situation. I opened this account up while i was in college, due to credit agencies reporting metrics, I kept the card for historical history and was fine paying the {$58.00} annual fee, now Im here from a XXXX credit score to a XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33445
Submitted Via: Web
Date Sent: 2023-01-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-20
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: Both Citibank and XXXX XXXX have things on my report from 10 years ago. I tried everything to get them removed but they wont do it. I thought 7 years was the limit to report things. Citibank was actually claimed on my taxes in 2019 because the issued a tax form on the account. Its been paid and written off.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33138
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: Other transaction problem
Subissue:
Consumer Complaint: I recently opened a Citi Priority online checking account since their website advertised unlimited USD domestic wire transfers. However I've spent the past two weeks trying to send out a single wire transfer of XXXX to XXXX XXXX and my wire transfer keeps getting cancelled even though I am constantly calling Citibank to make sure it gets submitted. I get an email asking me to call in to give additional information, so I call the number given and the customer support agent says to wait and that there is no more required information. I receive no more communication until the next day I get an email saying my wire transfer was cancelled. It is wrong of Citi to advertise unlimited USD wire transfers yet when I contact them constantly over the past two weeks to get a single wire transfer sent out it always gets cancelled. My wire transfer has been cancelled 4 times already
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20850
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: Deposits and withdrawals
Consumer Complaint: I had a mobile check deposit that I put into my bank and I got in the mail through XXXX and I guess it was a bad check I don't know I just got it from a company for a survey so I put it through and they this is through Citibank and they did not want they did not contact me email me tell me my account was getting closed or nothing until today and this happened on Sunday night which would be the XXXX of XX/XX/2023 and so they close my account and I asked him why and they said they couldn't tell me and they closed it for a check that I still pending I never touched the money nothing and I had funds in there from my direct deposit from my paychecks and now they're telling me I have to wait 60 days to get my money and it's it's creating 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 and it's my direct depart my checks were going in there and everything and they took my money and everything and they wouldn't they can't they won't give me a reason I've called numerous times yes I've gotten upset and I've also asked to talk to him of supervisor and they declined to let me talk to the supervisor even fraud prevention declined to talk to me to talk to the supervisor she told me they'd call me back and I never heard from him I want to file a good complaint I would really like to sue him so if I can let me know
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: 2023-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-21
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: This complaint is against Best Buy Credit Services- I have a credit card for Best Buy that is issued by Citi Bank. I was a victim of fraud in XXXX of 2021 and I asked my card to be closed and issued a new one. Before I got the replacement card, another fraudulent purchased was made with it. I called Citi Bank to close the account all together. They assured me that it was closed. I opened a brand new account for a Best Buy Credit card to not have the same issue. I just received notice of a late fee on the account that was closed due to a purchase that I made at Best Buy last XXXX. The account that was supposed to be closed never was and the purchase was charged to the closed account versus the new account. We were just hit with a late fee for the account that was supposed to be closed. We just spent an hour arguing with Citi bank about this. They admitted that the account was supposed to be closed. The rep ( XXXX XXXX tried to close the account and wasn't able to do so. XXXX 's demeanor was one to refuse to help or listen to our issues, as dismissive as someone can be. He was obviously just reading a script, which had the purpose to frustrate and not fix their error. Citi Bank is making impossible to close this account after multiple attempts. This is just like the fraud scheme that XXXX XXXX had for opening new accounts and not closing accounts for their clients. I was not able to close the account yet again. At this point I don't know what to do as I do not trust them to close my account. If they're doing this to me, they must be doing it to countless other victims.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 782XX
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: On XX/XX/2022, {$20000.00} was direct deposited into my XXXX XXXX XXXX XXXX savings account from my employer, XXXX. That same day I initiated the transfer of {$1000.00} from my XXXX account to a newly created Citibank savings account. XXXX days later, on XX/XX/XXXX, I initiated the transfer of another {$20000.00} from my XXXX account to my Citibank account. This was a mistake by me because I had also initiated the payment of a credit card bill a few days prior that would drop my total balance in my XXXX account below {$20000.00}. Because my balance was below {$20000.00} in my XXXX account, this transfer was eventually rejected. On XX/XX/XXXX, I then initiated the transfer of {$14000.00} from my XXXX account to my Citibank account ; this transfer was accepted. At this point, my Citibank account had around {$15000.00} in it all which could be tracked from my employer. I then initiated a XXXX payment to my father of around {$3400.00}, as repayment for money he had loaned me previously. I don't have the exact date of this transfer but it was sometime in XX/XX/2022. This XXXX payment was successful and my account was not at around {$12000.00}. Now around this time, either late XXXX or early XXXX, I found that I was unable to login to my mobile Citibank app. I went to a local branch and they told me to call the number on my debit card. When I called this number the representative told me that my account was being closed due to suspected fraud. I was told that within XXXX days the matter would be investigated and the remaining funds in my account would be disbursed to me. After around a month, I recieved a ~ {$450.00} check from Citibank from a attempted direct deposit by my employer XXXX. Since that check, it has been almost 5 months since my account was closed and I have yet to receive the rest of the funds in my account. I have been patient and waited for the fraud investigation but nothing has happened. I have called around 8 times in the past 5 months to check on the status of the investigation and the remaining balance disbursement but there has always been no information. When I call, they always have no status update regarding the situation and are unable to give me any actionable information. The funds that ended up in that Citibank account can easily be traced back to my XXXX account and then to my employer, no fraud involved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 115XX
Submitted Via: Web
Date Sent: 2023-01-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A