Date Received: 2023-01-19
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Citibank closed all three of my accounts starting with my savings account. They sent me this email stating that it will be closed. They said I violated something but Im not exactly what it was. They gave me a number at the bottom of the email that I could call Ive called multiple times and everyone keeps saying the same thing that I have to wait. There is no explanation and then they just hang up the phone, maybe Ill get a letter in 60 days not sure they also say that I might get my money back if I am entitled to it I just have to wait. I have bills that need to be paid that I cant pay because I dont have access to my money they didnt only close my account. They also close my mom 's account with no explanation as well. They close the checking account that I normally get paid in. My boss even paid me on XX/XX/XXXX from XXXX I have proof from XXXX stating that they did not send the money back to XXXX so my boss is out as well. she doesnt have the money and that was on XX/XX/XXXX And today is XX/XX/XXXX and my account was closed on XX/XX/2022. I need help because I need access to my savings. I have two savings account accounts with Citibank and one checking which all have funds in there and I cant access them, and I have bills to pay and I need that money to pay rent. I need that money to pay the light bill and he got money to buy food and put gas in my car to get to work. I cant wait any more days for them I was also told not to go to any branches to get it resolved because I would get the same response that everybody has been giving me over the phone. What is it states in the email that if I wan na get my money sooner I should call or go to a branch but so far they have not
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20785
Submitted Via: Web
Date Sent: 2023-01-19
Company Response to Consumer: Closed with 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: XX/XX/XXXX I opened a Citibank checking account. I initiated this account over the phone and transferred money from my other bank accounts. I wanted to receive the cash bonus promotion they were running. XX/XX/XXXX After having the account open and using it for a couple months, I received a letter dated XX/XX/XXXX that stated after a recent review, it has been determined that we can no longer service your accountit will be closed within sixty days from the date of this letter. I had {$62000.00} in the account at the time of closing. I called on the phone and was told is was closed due to fraud. I was told I would receive a check in 30-60 days. They couldn't provide any more information. XX/XX/XXXX I went into a local branch and they called for me. They did not get more info on why it was closed but asked someone to expedite a check for the money that was not under investigation. XX/XX/XXXX I received a check in the mail for {$57000.00} with no letter or explanation. There is still {$4800.00} that they are holding. XX/XX/XXXX, XX/XX/XXXX I reached out again and was told that it was still under investigation and to wait for a letter. XX/XX/XXXX I still had not received a letter. Went to local branch and the XXXX called the back office. He asked about what happened to the {$4800.00} that is missing. At first the person said {$2800.00} was put in the Citi sub-ledger. When we told them how much was actually missing, they changed the number to match the {$4800.00} amount. We were told there were fraud abuse credits. However, I can account for each transaction on my account and there is no fraud. I was told again to wait for a letter. XX/XX/XXXX I received a letter that said we do not have enough information to complete your research. XX/XX/XXXX I went into local branch again. The called the back office again and I was told that the {$57000.00} was all that I was due. The other amount was put in the general ledger. They could not tell me why.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-20
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: During sometime around XX/XX/2021 I deposited a refund check issued by my school ( XXXX XXXX ). The check had my mothers name but I was told it would be fine as long as I had a proof of relationship l. My mother even spoke to the rep to confirm before submitting the deposit. Everything was fine until about 4 days later my account was locked and later closed because of alleged fraud since the check wasnt soly in my name. I called citi and was told the previous rep was misinformed and that I shouldnt have been allowed to deposit my refund check. I and my mom told him that we had offered, and were still offering to go to the bank together to clarify this alleged fraud. I was told it was too late the account would be closing in the next month and a few months later I would receive a check for the remaining balance. The remaining balance was upwards of {$400.00} and I never received a check and every time I call ( every 3 to 6 months ) Im told the same thing to keep waiting.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95824
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 when making payments
Subissue: Problem during payment process
Consumer Complaint: I have a debt of about XXXX $ with Citibank Bestbuy Card. I live in XXXX. Until recently, for the last 4 years, I was always able to pay the monthly payment online. Now, I am not allowed to log in to my online account on their website unless I provide a US-based phone number. I do not have a US phone number because I live in XXXX. I have tried many many times to call Citibank to resolve the situation to be able to log in to see my account and pay my bill. They will never even let me have any information or pay the bill unless I have a US phone number. Recently, on a trip to Colorado during XXXX, I attempted to pay the debt off at a Bestbuy store in person. The store said they would only take a cash payment. I didn't have that much in USD so I paid about XXXX XXXX I did not get an email receipt for the payment from Citi or bestbuy and I have no idea if the payment was even credited. They won't mail a paper copy of the statement to an overseas address. I have contacted them via email to inform that I can not pay the bill because they won't make it possible to do that from overseas with no US phone number and I can not see any information about my account by any means. I have provided them with my XXXX address and my XXXX phone number but they have not taken action to contact me or responded to any of my attempts to contact them. They have stated they will call me back, during their hours, when I am asleep, but I still need a US phone number to access information, visually, on my account. It almost seems like they don't want me to be able to pay my debt. Perhaps they are hoping the account will gain a larger balance due to ever-increasing late fees. I have documented every communication I have had with Citibank via XXXX XXXX and email.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-20
Issue: Credit monitoring or identity theft protection services
Subissue: Problem canceling credit monitoring or identify theft protection service
Consumer Complaint: I contacted Citi Bank in XX/XX/2022 regarding a Best Buy Credit Card that was opened fraudulently. Ive attempted to contact them with updates regarding their investigation. Ive been unsuccessful in many of my attempts. The few times Ive spoke with they, they informed me there are no updates. From XX/XX/2022 til now, they have put delinquent reports on my credit report. During investigation, they should not expect me to make payments. They caused my XXXX XXXX to drop over XXXX points since XX/XX/2022. Ive provided the necessary documents to prove the Best Buy Credit Card was opened fraudulently.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 71203
Submitted Via: Web
Date Sent: 2023-01-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-18
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: i call XXXX XXXX after i received there letter from the debt collection agency they send my account to on XX/XX/, after this account was paid i have my bank statement showing this and the person i call said they would get this corrected but they put it on my credit report anyway, i also paid wayfair all of there money and called them and they told me that they sold my account to citi bank and citi bank told me that my account was over due, i paid this account out before the 6 month on interest, i paid them two to three months in advance as they stated as the terms of the agreement, i am requesting copies of the paperwork they have showing i owe them, and i want all of them removed from my reports, this is destroying my credit worthiness and my good character.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-18
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: Citibank has my name listed incorrect on my account ending in XXXX. I have attached supporting documentation to support my request to update the name on my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 52722
Submitted Via: Web
Date Sent: 2023-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-18
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX, a transaction was made on my checking account for {$190.00} at XXXX pm in XXXX, CA. When the alert came, I immediately called the bank to dispute the charge. The " XXXX '' claimed it was consistent with my other transactions & would not return the money to my account. It is not consistent, I have never been to XXXX and not XXXX transaction on my account has ever been made in XXXX. I provided proof I was XXXX hours away, working, and I filed a police report. It is not XX/XX/XXXX, and Citibank will not return my money. They've given me nothing but the runaround.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-18
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: DATE : XX/XX/XXXX XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX FLORIDA XXXX XXXX CitiBank XXXX XXXX XXXX XXXX XXXX : XXXX Account Number ending : Citibank locked me from online banking, cant view my account Debit Card number : XXXX Citibank address : XXXX XXXX XXXX, XXXX XXXX FL XXXX, XXXX Citibank branch number : XXXX Re : Consumer Financial Protection Bureau XXXX # XXXX Re : Office of the Comptroller of the Currency Case # XXXX Customer Respons to Citi Reference Number XXXX On XX/XX/XXXX the customer XXXX XXXX initiated an international wire transfer in the amount of {$22000.00}, on XX/XX/XXXX a Citibank representative called Citibank customer XXXX XXXX on the phone ( XXXX ) XXXX to verify the wire transfer. In the month of XX/XX/XXXX where made over 10 calls from Citibank XXXX XXXX XXXX to Citibank about his account, over the phone all calls were verified and the Citibank customer XXXX XXXX WAS VERIFIED by Citibank representatives. The Citibank representative verified and confirmed the wire transfer in the amount of {$22000.00} was successfully verified and successfully completed over the phone. ( Citibank customer XXXX XXXX recorded all calls ). Within 72 hours Citibank wrongfully stopped the wire transfer, and marked it fraud. Citibank violated and harmed Citibank customer XXXX XXXX by reporting false information on his account. Citibank is using manipulative law tactics by just replying partially to the complaint and NOT addressing the customer 's XXXX XXXX complaint in full, avoiding the customers questions and requests. Citibank confirms the closure of the account in XXXX, and 60 days and ignores entirely to respond to the release of the wire transfer in the amount of {$22000.00} and the date of the release, removing the word fraud from the wire transfer and confirming the available balance of the customer XXXX XXXX and when the XXXX XXXX funds will be released to him. Citibank unlawfully froze customer account XXXX XXXX and illegally NOT releasing the wire transfer in the amount of {$22000.00} THAT was wired from Citibank customer account XXXX XXXX Failing to adhere to consumer protections governing customers bank accounts : Enforcement Action Under the XXXX XXXX XXXX Reform and Consumer Protection Act, XXXX XXXX has XXXX authority to take action against institutions violating consumer financial laws, including engaging in unfair, deceptive, or abusive acts or practices. The customer XXXX XXXX order requires Citibank to : Release the wire transfer in the amount of {$22000.00} immediately and remove the word fraud from the Citibank customer XXXX XXXX wire transfer that Citibank illegally and falsely reported. Close all Citibank accounts relating to XXXX XXXX last SSN # XXXX immediately, and send all XXXX XXXX available funds to the address on file. The customer XXXX XXXX is requesting all communication from today XX/XX/XXXX, must be communicated ONLY via email and or mail, including confirmation of the above request. Citibank claims to protect their customers, we found out that Citibank did nothing that protected customer XXXX XXXX from this event, but acted unlawfully by freezing customer XXXX XXXX account, limiting customer XXXX XXXX from accessing his bank account, removing all bank access to customer XXXX XXXX account balance and Citibank continue to hold customer XXXX XXXX funds that are much needed now for a family emergency, he worked very hard for. On the Citibank.com website account closure Citibank stated With your account closing, please remember to : Make sure that the address we have on file is correct- we will send any funds belonging to you to this address, once the account is closed. If you believe these funds should be sent to you sooner than the expected closing date, please visit your local branch or call the number on the back of your ATM/debit card. The Citibank XXXX XXXX XXXX believes and is requesting all his funds be released sooner to him immediately before the closing date. The customer XXXX XXXX made several calls in the month of XX/XX/XXXX and the month of XX/XX/XXXX requesting all his funds be released to him and Citibank failed to comply again. If Citibank fails to comply again within 20 days from today XX/XX/XXXX, the customer XXXX XXXX will file a lawsuit against Citibank over consumer law violations and demand compensation, and financial damage caused by Citibank. The Citibank violations affected the customer XXXX XXXX and his family member XXXX when Citibank wrongly and falsely frozen the wire transfer and did not allow the customer XXXX XXXX to have access to his and ONLY funds and/or bank account during a holiday trip, the customer XXXX XXXX still even now does not have access to his funds after verifying his bank account several times with Citibank. ( we listen to all calls between Citibank and customer XXXX XXXX, ALL CALLS HAVE BEEN RECORDED BY Citibank customer XXXX XXXX and will be attached as evidence if Citibank fails to release customer XXXX XXXX funds. The Citibank customer XXXX XXXX, with the legal team, specialized in protecting customers from banking fraud and holding financial institutions accountable for wrongdoing, found several violations, violated by Citibank against customer XXXX XXXX. If Citibank fails to release the wire transfer in the amount of {$22000.00} within 20 days from this complaint date a lawsuit will be filed against Citibank and all Citibank violations will be provided in court. IMPORTANT : Citibank customer XXXX XXXX changed his telephone number ( XXXX ) XXXX and can ONLY be reached only via email or mail on the Citibank customer file.
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: 2023-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-18
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I along with our attorney have tried to resolve a matter on ur credit report. We have sent letters to Macy 's & Citi Bank and keep getting the run around for a balance that's reported as a charge off for {$1400.00}. Every time we call each department transfers to someone working in another country and you can not get any information. The last letter we received from Macy 's stated they can not discuss this matter. We have also received a letter stating they are not collecting on the said amount. They said this account is past the statute of limitations. Of this debt is reporting why can we not get something official and they fully remove this account? We haven't been able to make any progress or get any accountability which isn't fair to continually be able to report something on our credit that we can not get a legal response to our attorney from them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37075
Submitted Via: Web
Date Sent: 2023-01-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A