Date Received: 2023-01-06
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: I filed for XXXX XXXX bankruptcy in XXXX, XXXX. I had a credit card account with Citibank at the time and the card was included in the bankruptcy. My plan of reorganization was approved in XXXX, XXXX and payments began in XXXX, XXXX. I made all required payments to Citibank per the plan. Once payments stopped, in XXXX of XXXX, Citibank began reporting missed payments and changed the status of the card to delinquent and in collections with the major credit bureaus. They now report that I have missed payments since XXXX, XXXX. They have also used a collection agency, XXXX XXXX, to attempt to collect this debt that was satisfied per the plan of reorganization. I have disputed this inaccurate information with XXXX XXXX, Citibank, XXXX, and XXXX providing bankruptcy documentation as evidence. Citibank also received all of the relevant bankruptcy documents while the case was open since they were a named creditor. Because of this, my credit score continues to suffer and I am unable to repair my credit as afforded by my bankruptcy petition that was filed almost 6 years ago. I was also denied an application for a student loan and a rental lease for an apartment with this account being specifically listed as the reason. I also have spent more than {$1500.00} on legal counsel to resolve this already.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 284XX
Submitted Via: Web
Date Sent: 2023-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-06
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have a BestBuy credit card through Citibank. About a month ago I tried to setup online banking. For some reason there was an error. I contacted support and spent over XXXX minutes on the phone with different levels of their customer service. No solution could be resolved and I was told I would be called back. I provided my number and was never contacted back. Today, I tried making a payment which usually is simple over the over the phone. But it sent me right to customer support. Where I was told I was supposed to receive a confirmation code or something along those lines. Which I never did in the past month. So I was unable to pay my minimum. So I will be charged interest and a hefty late fee now. The customer service seemed incompetent when I talked to them about the issue. I can barely hear them when I call and I have trouble understanding them too. I tried calling Citibank directly but that lead to a dead end. At this point I just want this credit resolved so I never have to deal with this support or bestbuy/citi bank again. I've over an hour and a half of my time trying to solve something that seems to be simple. Thank you for your time and I look forward to hearing back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 54911
Submitted Via: Web
Date Sent: 2023-01-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-06
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I filed for XXXX XXXX bankruptcy in XXXX, XXXX. I had a credit card account with Citibank at the time and the card was included in the bankruptcy. My plan of reorganization was approved in XXXX, XXXX and payments began in XXXX, XXXX. I made all required payments to Citibank per the plan. Once payments stopped, in XXXX of XXXX, Citibank began reporting missed payments and changed the status of the card to delinquent and in collections with the major credit bureaus. They now report that I have missed payments since XXXX, XXXX. They have also used a collection agency, XXXX XXXX, to attempt to collect this debt that was satisfied per the plan of reorganization. I have disputed this inaccurate information with XXXX XXXX, Citibank, XXXX, and XXXX providing bankruptcy documentation as evidence. Citibank also received all of the relevant bankruptcy documents while the case was open since they were a named creditor. Because of this, my credit score continues to suffer and I am unable to repair my credit as afforded by my bankruptcy petition that was filed almost 6 years ago. I was also denied an application for a student loan and a rental lease for an apartment with this account being specifically listed as the reason. I also have spent more than {$1500.00} on legal counsel to resolve this already.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 284XX
Submitted Via: Web
Date Sent: 2023-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-06
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Citi closed my checking account on XX/XX/2022 due to suspected fraud. The account had been open a little over a week. The account had $ XXXX in it at the time. I attempted to make an XXXX XXXX purchase to a merchant and it was marked as fraud. An agent from the fraud department called me and I confirmed the transaction and I was successfully able to process the transaction. I then attempted to make another XXXX XXXX purchase with the same vendor and it was once again flagged for fraud when I called back again, they told me that they decided to end the relationship with me. Prior to this, this account was only used for incoming transfers from my external bank account and paying credit card payments. This was all the money I had, and I will now fall behind in all of my bills, waiting XXXX to XXXX days for my money. There was no fraud on this account whatsoever. I called a branch and they were also unable to help due to the notes that they viewed on the account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 064XX
Submitted Via: Web
Date Sent: 2023-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-07
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I have been banking with citibank for almost 10 years. Recently, they always lock my account for no apparent reason and when I call they can't provide me with any reasoning. I spoke with XXXX XXXX XXXX XXXX technical support as well as XXXX who were no help. XXXX advised citibank is having technical issues because she was only able to help when she entered my bank card and not when I did on my side. Citibank locks my account for no reason and I have to call and battle with agents to get visibility. How can I enter incorrect information if it's fingerprint? Why am I paying a service fee for inconvenience and no access to my account. Citibank is by far the worst company. This is my second complaint as last year, citibank removed XXXX of my checking accounts. I say removed because it disappeared from my bank details and no longer visible. Citibank hid XXXX of my accounts and the money intil I contacted them. I asked why I didn't receive an email letting me know my account was locked. Agents advised they can't provide such email.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11203
Submitted Via: Web
Date Sent: 2023-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-07
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I opened up this checking account on XX/XX/XXXX, for the bonus promotion. I deposited {$100000.00} on XX/XX/XXXX and held the deposit in there for over 60 days ( which was required to get the bonus ). I should have received a {$1500.00} bonus per the terms and conditions of the bonus. It is now XX/XX/XXXX and I still have not received the bonus. Please credit my {$1500.00} bonus as the terms stated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10465
Submitted Via: Web
Date Sent: 2023-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-06
Issue: Credit monitoring or identity theft protection services
Subissue: Problem canceling credit monitoring or identify theft protection service
Consumer Complaint: Victim of identity theft. Someone has been using my personal information, and it has been added to my credit report without my acknowledgment or consent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 352XX
Submitted Via: Web
Date Sent: 2023-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-05
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I have Citi credit cards with Citibank since XXXX. And XXXX of them was the Citi XXXX XXXX XXXX access more card. I had that card since XXXX and closed it in XX/XX/XXXX since my usage of that card has reduced and there is annual fee associated with the card. When I call to close the card, I triple checked specifically if there is any risk for me to lose my points after the card is being closed, and was told no risk since I have couple other citi bank cards that can hold the Citi Thankyou point so I went ahead to close the card instead of downgrade. XXXX months later, I lost approximately XXXX Thank you points, which worth approximately {$2800.00}. So I contacted Citibank and filed a case with them on XX/XX/XXXX. Followed up on XX/XX/XXXX, XX/XX/XXXX and XXXX times on XX/XX/XXXX. And I get a different XXXX whenever I call and the citi representative was unable to provide anything besides there is no update they have.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06810
Submitted Via: Web
Date Sent: 2023-01-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-05
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I have submitted several disputes online and over the phone with XXXX regarding a hard inquiry on my credit report. All cases have been closed advising it is correct and will remain on my report for 2 years. This hard inquiry was applied by Citi Bank/Best Buy on XX/XX/XXXX. I have not applied for a credit card for Best Buy. I contacted Best Buy on XX/XX/XXXX, first spoke to XXXX and was advised he could not locate an application to match my personal information including my SSN. I was then transferred to XXXX and was again advised there was no application or credit card opened under Citi Bank/Best Buy. I have asked Citi Bank/Best Buy to provide me something in writing to confirm I did not apply for this card since XXXX keeps confirming I am responsible for this inquiry. I would like this removed from my credit as it dropped my score significantly after this inquiry was reported.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 928XX
Submitted Via: Web
Date Sent: 2023-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-05
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: I had called the company regarding my citi bank Best Buy credit card. I am in a debt settlement program, I was paying my Best Buy credit card when they closed my account. When they closed my account, is around the time I really struggling with payments. When I talked to Best Buy citi bank they were willing to help me but the man that was suppose to help me regarding a hardship program, did not! I felt like I was being treated like a child. He was suppose to help me with a payment plan and when asked about what I used the card for? I explained to him emergencies like bills, gas, groceries and etc but he kept saying " that's not what I'm seeing here '' and I didn't understand what he was talking about because that is what I used it for but the way he was talking to me, I felt like he was hinting that I just used the card for a shopping spree. Which really upset me because I don't owe anyone an explanation but I do use my things I can't pay in a bind. I'm a paycheck to paycheck house hold. I didn't like how I was treated and was very upset. I had emailed the company 2 times. Since XX/XX/2022 and haven't heard a response.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60156
Submitted Via: Web
Date Sent: 2023-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A