Date Received: 2023-01-04
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I opened an acct for my son in 2004. It had at least {$1200.00} in it. Citibank closed it with no notification to me and there is no history of the account ever existing. I have the paperwork from when I opened the acct and several deposit slips that are initialed and signed by the banker, that show deposits to the account. We never received any indication that the account was being closed. Citibank suggested that I file a missing funds report with the state but it doesnt seem that the funds are there. I dont know what to do. They have misplaced all of this money and have NO record of the account ever existing. We have contacted, via phone and in person, Citibank at least 5 times regarding this and they still have no record of this existing. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10014
Submitted Via: Web
Date Sent: 2023-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-04
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: Credit card company approved me for a limit of XXXX and without reason lowered my limit which has impacted my credit score.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34953
Submitted Via: Web
Date Sent: 2023-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-04
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Citibank is not properly reporting balances on my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93065
Submitted Via: Web
Date Sent: 2023-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-05
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: A number of fraudulent charges were made on my credit card between the dates of XX/XX/XXXX and XX/XX/XXXX. All were credited back with days save for one for XXXX XXXX for {$95.00} on XX/XX/XXXX. I've made repeated calls from then through today ( XX/XX/XXXX ) without resolution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98203
Submitted Via: Web
Date Sent: 2023-01-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-05
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Late XXXX of last year I opened an online account with CITI bank and did the initial funding of an amount {$20000.00} using the online ACH transfer at CITI bank website from XXXX XXXX using account number and routing, and I was surprised how quick and easy CITI bank XXXX service was, So I was thinking at that time why not transfer all the funds and close my previous XXXX bank account. So I immediately added another amount {$10000.00} and was hoping that in a span of few days I will transfer all the funds over, I didn't want to transfer everything in one go because I'm always hesitated about online transfers, I have also transferred my direct deposit for my work paychecks to CITI. Few days later I transferred {$20000.00}, and two days later I added {$10000.00} and {$30000.00} at the same time, At this point my XXXX bank account is almost dry. The following day XXXX XXXX XXXX I got an e-mail from CITI stating that my account will close automatically within XXXX days and any funds remaining in the balance will be sent to you, If you wish to have access to the funds sooner go to the nearest branch and collect them, The only reason they stated for the closure of the account is that I violated their terms. I said alright they don't want my business, fine. I called the number provided in the e-mail right away and I had to go through layers of XXXX and refusal to finally get to the XXXX and was told just to wait up to XXXX days and I will get a letter explaining all the details, no further details given, I then head down to the nearest branch and showed them the copy of the e-mail that I can collect my funds here, they said that's not true, your account is frozen and until it closes we can't access any funds, I had her call them and they told her the same thing that I have to wait, Don't know why the e-mail said I can do so. In the weeks following the closure I kept calling them and every time I call I hear the same story, I grew anxious and impatient since I was in the middle of large spending projects, House repairs XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I had no choice but to take a loan from a financial institution for {$30000.00} to keep going as I was on a brink of filing for bankruptcy while CITI holding my funds, But the loan was not enough I had to come up with more money so I went to my XXXX XXXX and asked them if they can reverse those transactions, They tried and they were only able to reverse the last two transfers $ 30k an $ 10k as they haven't cleared yet but the first XXXX transactions remain inaccessible, So at this point my account balance should be exactly {$50000.00}. In the last few days of the XXXX days period I was given, I started to call and they started changing stories and I started to get suspicious, now they said it could take another month or so, Then I started to ask about the amount I'm going to get and that's when my suspicion is confirmed, I was told that the account is closed and we don't owe you any money, in another call the XXXX said that they don't know how much I'm going to get I just have to wait for the letter, but they never explained to me where the money go, or what's going on. I have statements from XXXX bank showing the dates of transfers and the exact amounts. I went to the CITI branch and asked for a detailed transaction history, first the XXXX said she couldn't, but I begged her for help and she was able to pullup the transaction history and gave me a print out, I took a closer look at CITI statement and I could see one of my paychecks has been deposited for {$1400.00}, and another transaction made after the account closure of the amount of {$50000.00} and it says " Other debit ''. Oh boy, someone just drained my CITI bank account, Will they admit to it? the XXXX had one of the XXXX call them XXXX XXXX XXXX XXXX XXXX and asked them about that transaction and they admitted that the bank held that amount, I said why? They told the XXXX that money doesn't belong to me, I said what? then who that money belongs to? The XXXXt asked them my question and they said they don't have an answer for that, They told the XXXX that I will be receiving a paper check in the mail for the amount of {$10000.00}, What? I told the XXXX, I though they said the whole amount doesn't belong to me, I called immediately after I left the branch and asked them the same previous questions and they said they don't know, I said well transfer me to someone who knows, The XXXX goes, I'm the highest person you can talk to, I said, did you hold the money? They said no, I said then let me talk to the person who made that action, But none of them could explain to me why the bank took my money. Few days later I got an e-mail from XXXX saying a package from CITI is going to be delivered tomorrow, I had some hope that they will fix the problem and I finally receive my full balance, maybe the agents don't have access to the full information, Next day on XX/XX/XXXX at about XXXX the XXXX XXXX rang the doorbell and gave me the letter, I opened it and looked at the amount on the check and a cold chill run across my body. The amount is exactly my deposited paycheck {$1400.00}, no more, no less, and the amount that is been held as I mentioned above is gone, not even the amount they claimed they are going to send which is {$10000.00}. I logged into my e-mail and responded to the CITI XXXX e-mail stating that I have received a final check from you however it doesn't reflect the balance of my account at the time of closure, Before I seek legal advice I need an explanation to what happened to my account. I didn't think the e-mail accepts replies but I did it anyway out of desperation, Sure enough I got a response saying that they will look into the matter and get back to me " if a response is needed '' within XXXX days. Few hours later I got a call from the XXXX office stating basically the same thing in the e-mail but at least a human that I can talk to, I told her I have proof of transaction history from both banks showing exactly where the money came from, She told me that she can see that looking at my account, I asked her, then why they are saying the money doesn't belong to me, She said she is expecting a response from them and once she gets that she will share it with me, and told me to just wait for the next XXXX days. But I'm not too hopeful that CITI bank is going to resolve the issue, I have all the evidence you need once we establish a way of communication.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94520
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: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/2022, I received a text asking if I had made a purchase at XXXX XXXX. I indicated NO by text back and immediately received a phone call from a person claiming to be from my Bank ( Citibank ). He misled me into thinking he was from Citibank and continued to tell me about transactions in my checking account. I trusted him from that point on. I then received a XXXX transaction and he told me it was a fraud and will undo it. He proceeded to scam me out of 2 XXXX transactions {$4400.00} and {$4900.00}. I contacted Citibank immediately after I realized that it was a scam and that the XXXX transactions were real. Since then, Citibank has denied my claim for the {$4400.00} and the {$4900.00} is still pending investigation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94587
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: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: A reverse ACH direct deposit was initiated by company on XX/XX/2023 on two separate checking accounts. This type of transaction is illegal in the State of California. The 2 checking accounts became over-drafted and negative balances incurred. I immediately filed disputes on the 2 reverse ACH transactions with Citi because the company intentionally violated California law and did so without any agreement to do so, but even if such agreement had been made, you can not sign those rights away in California. Now all of my accounts are restricted and I am unable to access funds from any accounts even the savings account that is not connected to the 2 checking accounts that received the reverse ACH debits.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95825
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: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted 4 complaints informing XXXX that I was a victim of identity theft. XXXX is failing to block or remove the account from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged account, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent account, an affidavit from the FTC website & provide a photo ID for their records. XXXX has claimed the accounts listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have this account blocked/removed : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CITI XXXX XXXX Opened : XX/XX/2020 Balance : {$20000.00}
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: 2023-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-05
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This to me is XXXX. So Im submitting it again hopefully for the last time. XXXX and XXXX have been not complying with Fair Credit Reporting Act ( FCRA ). I submitted a complaint/dispute about the information listed below. I was the victim of identity theft & the accounts listed below waswere opened fraudulently & without my knowledge, consent or authority. I provided it with documents which demonstrated this legal issue but they have ignored these documents. They claim they verified the accounts without providing me with any legal documents, contracts or verifiable proof they were opened by me. They are not adhering to section 605b by blocking or removing them from my report. Additionally they are violating sections 616 & 617 for willful noncompliance & negligence. I need these accounts blocked/removed from my credit file per FCRA. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4400.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3500.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11219
Submitted Via: Web
Date Sent: 2023-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-03
Issue: Identity theft protection or other monitoring services
Subissue: Billing dispute for services
Consumer Complaint: Someone o an account in my name BBY/CBNA I don't have an account with this company they open in XX/XX/2018
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 223XX
Submitted Via: Web
Date Sent: 2023-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A