Date Received: 2023-01-11
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Ive have called several times to Citi Banks Secure Credit Card Dept I was transferred around 13 times the representative told they dont have no acknowledgment of this account. They even gave me a phone number to a collection agency called XXXX when I called the agency they dont have no account with my name I called back to Citi bank and was told I dont owe them Theu dont why this is show up on my Credit Report the agent name is XXXX XXXX These are phone numbers I have called. XXXX XXXX XXXX XXXX XXXX XXXX can please help me delete this from my credit report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60634
Submitted Via: Web
Date Sent: 2023-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-11
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: THIS IS NOT A DUPE. XXXX is sending wrong uncorrected information on my credit file to 3rd parties, my lenders. They are re-aging the " REAFFIRMATION '' from XXXX years ago XXXX XXXX. They have failed under multiple complaints to correct my file. I have contacted XXXX XXXX XXXX XXXX about the VISA and the bank states to contact XXXX that they are not reporting the account in Collection or any other Derogatory information. I have filed several disputes and complaints to NO AVAIL XXXX continues to report erroneous uncorrected information to my lenders directly negatively affecting my Score, Accounts, Utilization and overall Credit Worthiness. Their investigations have not resulted in the correct action. Though, documentation has been sent, they have taken their time and totally failed to remove the NEGATIVE information from my credit file. They have shared the incorrect information which most recently have resulted in a closure of my XXXX XXXX XXXX ending in XXXX, and reduction of my credit with Macy 's that I have had for years. This company is unethical and represents " bad business ''. Their business license should be rescinded.
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: 2023-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-11
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: My Citi bank account was on hold back and XXXX and they told me they were closing my account. This account had all my money ( {$17000.00} ) and there was nothing I could do. I waited and waited and waited for a check to come in the mail for my money. They finally let me know they closed my account on XX/XX/XXXX. This is 4 whole months later. But finally it's closed and they tell me 5-15 business days until I get my check. It's now been a month and nothing. I received my final account statement and it said my starting balance for the month was {$17000.00} dollars but my ending balance was XXXX. It shows under withdrawals as " other withdrawal : {$17000.00} '' i call up Citi and after an hour on the phone one of the supervisors tells me that Citi bank owes me zero dollars because that is what the last statement says. And hung up on me immediately. So now I'm panicking as every penny I worked for is gone and I'm at zero dollars and Citi bank hangs up on me every time I call them and ask about my account. Please help me Its also important : this started as a fraud hold that I tried to clear up from a purchase of mine and then they put my account on hold for over a month in XXXX. I kept calling and calling and calling and they finally closed my account on XX/XX/XXXX. That is when it shows on my final Statement that other withdrawal of {$17000.00}. I keep calling them and they keep telling me I have zero dollars due to me because thats what it reads as my last statement.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NH
Zip: 03054
Submitted Via: Web
Date Sent: 2023-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-11
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: My wife and I set up a joint XXXX account with Citibank in XX/XX/2022. We used it for a bit, having problems with getting his XXXX XXXX deposited. Just when we thought we had it figured out, and he began getting direct deposits there as well, we got a notice that the account was going to be closed ( mid XXXX ). Then XX/XX/XXXX we got an email saying that our information was incorrect and that our account was not being closed, and the XXXX we got an email stating that our statement was ready. However, we were unable to log into our account ever since they said it was closing. My wife called customer service to see what was going on, and it turns out that yes, they were closing it, and they said it would be XXXX days before we would get a check with the remaining funds in the account. We tried setting up several appointments for a phone call with a branch ( we live nowhere near XXXX ) and they never ever called at the scheduled time. Then, the end of XXXX, we got another notice that the account was being closed. So, we thought our account was going to be closed since XXXX, in XXXX we got conflicting information. We called and confirmed and they said, yes, you'll get a check in XXXX days. Well, then XXXX, XXXX, XXXX roll by. We call mid XXXX to see where the money is. They say they're so sorry and will send it in XXXX business days. Of course the Spanish help line can only do basic inquiries and the rest is done by Indians will such a bad connection that you can barely tell what's going on. We get transferred at least XXXX times per call, and are on the phone for almost an hour. They finally give us a case number and said that we can call and see what's going on. So, we wait. No check. Things get crazy busy, and we finally have a quiet minute to call again. We call after XXXX and no one can help me. I have my wife call, and they say the account doesn't exist. We get transferred a XXXX times again and she's on the phone for an hour trying to figure this out and telling a XXXX departments what's up. Finally, they assure her that the request has been approved and a check will arrive in XXXX business days. Today has been XXXX business days NOT counting XXXX XXXX 's observed. No check. We've been waiting now almost a YEAR to get our money back from his work and direct deposits, and when this first happened, having to get help with rent and other living expenses, since Citibank just froze the funds and decided to close the account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84043
Submitted Via: Web
Date Sent: 2023-01-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-11
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Macy 's is inaccurately and negligently reporting late payments on my consumer credit report for XX/XX/2017 and XX/XX/2017 which is impacting my ability to secure housing. I have written letters to the XXXX XXXX XXXX and XXXX for the XXXX XXXX XXXX to no avail. Macy 's is in violation of the Fair Credit Reporting Act. In addition to several other code laws Macy 's is violating, they are primarily violating my rights under the Fair Credit Reporting Act 15 USC 1681a ( 2 ) ( A ) ( i ) which references that a consumer report does not allow the creditor to report information as to transactions or experiences between the consumer and the person making the report. Therefore they are in violation of this code law by disclosing to the credit reporting agencies that I, the consumer, was supposedly late on payments.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11230
Submitted Via: Web
Date Sent: 2023-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-11
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/XXXX a fraudulent charge in the amount of XXXX USD occurred in my Citibank checking account. This was at the height of the pandemic and many Citibank accounts were compromised during this time. I attempted to dispute this with the merchant but was unable to reach them. I reached out to Citibank and they said don't worry we'll get this resolved. Citibank closed that account opened a new one and gave me a credit in the amount of XXXX. Fast-forward to XXXX of XXXX I was trying to open a new account for my business but was unsuccessful due to Citibank charging off my closed account in the amount of XXXX. My account was closed with XXXX balance there is no way I should've received a charged off XXXX reporting, especially for a fraudulent charge. I want this erroneous reporting removed immediately, so I can reopen a checking account and continue running my business.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94124
Submitted Via: Web
Date Sent: 2023-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-11
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Im XXXX and purchased a computer from Best Buy XX/XX/2022 with their Geek support, by opening a Best Buy Credit card. I have an excellent rating. My understanding was that it would be interest free if paid off in 18 months. The total came to a little over {$1000.00}. I made my first payment before receiving my first bill, while setting up the online payment at my bank. Most of my income comes in the first of the month. Every month, when my checks come in I have paid {$100.00} on the first of the month ; more than was due! I recently discovered that Best Buy XXXX XXXX Bank has been charging me a {$30.00} late fee, because I made a payment before it was due! I think a smart XXXX Bank or Best Buy XXXX has figured out that they can make more money charging {$30.00} late fees than charging interest, hoping seniors wouldnt notice the late fee. So far they have charged me {$90.00} in late fees, even though I have made a {$100.00} payment each month. I wrote Best Buy, they never responded. After filing multiple complaints XXXX bank has refunded the late fees.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33803
Submitted Via: Web
Date Sent: 2023-01-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-11
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: XX/XX/XXXX : Took advantage of a balance transfer offer with 0 % APR terms until XX/XX/XXXX, which consists of approximately {$4500.00} in balances and XXXX in fees. XXXX ; Automated payment occurred on the account that I forgot to turn off that was spat out for insufficient funds. The payment was going to apply only to balance transfer amount of XXXX, as no other purchases or transfers occurred on the card since then. XXXX ; Automated payment is returned, but is now classified as a standard purchase with 25 % APR. XX/XX/XXXX - interest on balance charged of XXXX XX/XX/XXXX - interest on balance charged of XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - interest balance charged of XXXX XX/XX/XXXX - interest balance charged of XXXX XX/XX/XXXX - CC holder, during financial consolidation, realized that interest was charged on the account. CC holder calls the company to rectify this classification of APR balances. The CC company agent assures the holder that a case would be opened and that a favorable resolution seemed possible. Was promised a Communication in 7-10 business days with a resolution, but no incident number created and no email received acknowledging the cal XX/XX/XXXX - No communication since. CC holder calls the company to see if a resolution occurred. CC holder is put through some hoops before the department in charge of balance transfers told me that nothing can be done due to the terms of the agreement and thus the interest payments would stand
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90404
Submitted Via: Web
Date Sent: 2023-01-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-11
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: CITI bank advised that open an eligible Checking Account and earn a cash bonus of {$200.00}, {$500.00}, {$1000.00}, {$1500.00} or {$2000.00} when you complete required activities. 1 Simply deposit qualifying funds within 30 days of account opening and maintain your balance for an additional 60 days from the 21st day to unlock your bonus. 2 Only New-to-Citibank checking customers can take advantage of this offer. Here was my timeline : 1 on XX/XX/XXXX, I opened the on line account since there was no local branch in Kentucky. I did not get any response from CITI bank within next one week. 2 On XX/XX/XXXX, I got an email from CITI that " Thank you for choosing Citi for your banking needs, and congratulations on your enrollment in the New to Citi Checking Cash Bonus Offer. We hope youre enjoying your new Citi checking account. '' 3 On XX/XX/XXXX, CITI told me that the on line checking account was ready ; 4 On XX/XX/XXXX, I verified the account ; 5 XX/XX/XXXX ( Friday, I began to transfer the {$25000.00} into citi account because of the day transfer limitation and took 5 days into CITI banks ; I deposited three time within next three days ; 6 On XX/XX/XXXX, the total {$75000.00} into CITI banks. 7 XX/XX/XXXX, I found I did not get the cash bonus {$1000.00}. I called the CITI banks and they gave me a reference No and let me call back 5 days later. 8 On XX/XX/XXXX, I called back again. They agreed that I was qualified for the cash bonus and gave me another reference No. They told me that they would give me an answer on XX/XX/XXXX. 9 On XX/XX/XXXX, I called the bank and they agreed that I was qualified for the cash bonus and asked me to mail all the evidence to CUstom service center. I mailed. 10 On XX/XX/2023, the bank told me that I was not qualified for the cash bonus because I did not fund the money within 30 days. They only briefly checked my bank account for the first month. They emphasized that my account was opened on XX/XX/XXXX. However, they did not acknowledge that my on line checking account was ready on XX/XX/XXXX. 10 On XX/XX/2023, I called the bank, the supervisor asked me to call back on XX/XX/XXXX so that they would investigate it and gave me another reference No, XXXX XX/XX/XXXX, I contacted the CITI bank again but no result
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 405XX
Submitted Via: Web
Date Sent: 2023-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-11
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened a new streamlined business checking account at a local branch in XXXX DC on XX/XX/XXXX and the banker enrolled me in this XXXX {$2000.00} cash bonus when you deposit {$200000.00}. You can find the attached email promotion enrollment confirmation from the banker, a screenshot of the promotion terms in the attachment, a link of the current running promotion with the same terms here XXXX XXXX XXXX XXXX XXXX XXXX This is my timeline of completing this promotion. XX/XX/XXXX a new streamlined business checking account ending XXXX was opened XX/XX/XXXX deposit {$200000.00} new money into streamlined business check account ending XXXX within the XXXX calendar day period immediately following account opening. XX/XX/XXXX withdraw {$190000.00}. {$200000.00} was maintained for 65 consecutive calendar days greater than the required 60 consecutive calendar days specified in the promotion term. XX/XX/XXXX the end of the month in which I have completed all offer requirements XX/XX/XXXX 90 days from XX/XX/XXXX. It is the last day of the promised bonus payout date. Still havent received the {$2000.00} bonus. I have called the Citi XXXX XXXX XXXX at XXXX more than 10 times, and I still havent received the bonus yet. At one call, the customer representative acknowledged that I had fulfilled all promotion terms and helped file a promotion dispute with reference number XXXX. However, this dispute is still pending. At one time in XX/XX/XXXX, I was told I needed to send the XXXX form to Citi. Since then, I have mailed my XXXX form 3 times to Citi bank and given it to a local Citi banker to forward to Citi 's back office 2 times ( 5 times in total! ). Finally, during my XX/XX/XXXX call, I was told my XXXX was received by Citi and my account is tax certified. During my calls on XX/XX/XXXX and XX/XX/XXXX, the agent confirmed that my account is tax certified again. Today is XX/XX/XXXX. It has been 74 days beyond the promised payout date and I still havent received the {$2000.00} bonus. Please investigate this and send the {$2000.00} bonus to my account soon. Thanks! Please find the attached signed XXXX form in case you need to certify my account again, a screenshot of the promotion terms, and the email from the Citibank confirming the promotion was applied to my account. Here is a copy of the promotion terms : To qualify for the Cash Bonus that corresponds to one of the Qualifying Balance Levels set forth in the table below, ( 1 ) from XX/XX/XXXX through XX/XX/XXXX, open a CitiBusiness ( Analyzed ), Streamlined, or Flexible Checking Account ; ( 2 ) within the XXXX calendar day period immediately following account opening, make one or more deposits1 in New-to-Citibank XXXXunds2 to your new business checking account, or your new business checking account and a new or existing CitiBusiness Insured Money Market Account ( XXXX ) that in the aggregate meet one of the Qualifying Balance Levels3 ; and ( 3 ) maintain one of the Qualifying Balance Levels in such account ( s ) for 60 consecutive calendar days after the Qualifying Balance Level is met during the initial 30 calendar day funding period. The Cash Bonus for which you qualify will be credited to your Citibank business checking account within 90 days from the end of the month in which you complete all Offer requirements.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22201
Submitted Via: Web
Date Sent: 2023-01-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A