Date Received: 2022-12-30
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Citibank pulled and access my XXXX, XXXX, and XXXX XXXX credit report on XX/XX/XXXX and on XX/XX/XXXX. The Citibank inquiries listed on my XXXX, XXXX, and XXXX XXXX credit report is fraudulent and unauthorized credit inquiries. I have not applied for any accounts with Citibank. The credit inquiries arent my credit inquiries. The Citibank credit inquiries are fraudulent and unauthorized credit inquiries. Full Name : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX : XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55343
Submitted Via: Web
Date Sent: 2022-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-30
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Hello, I initiated a balance transfer with Citibank to my credit card account, advertised as a 12 month XXXX percent interest offer, with 3 % transaction fee. The amount transferred was {$13000.00} on XX/XX/XXXX. So today I noticed that the expiration date is XX/XX/XXXX, not the full twelve months. I chatted with a representative and they said that the offer started on a certain date, and regardless of when the consumer initiates the transfer, the expiration date is always XX/XX/XXXX, not twelve months as they lead you to believe. if that is case, then they should at least prorate the transaction fee to be something less than 3 %, but that didn't happen either. Anyway, I think they should honor they twelve months as advertised, or at a very minimum, prorate the transaction fee to be approximately 75 % of 3 %. To make matters worse, my annual fee was charged during this timeframe, and results in interest immediately since there is no way to apply funds to that purchase, so will accrue for the balance of the transfer period. Now that is incredibly deceptive and unfair to the consumer. Thank you!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63368
Submitted Via: Web
Date Sent: 2022-12-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-30
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I opened a savings account with Citibank when they offered a promotion to receive a {$450.00} bonus. I deposited approximately {$200000.00} into the account in XXXX and XXXX from other financial institutions. I made a single wire transfer out of the account for approximately {$120000.00} to purchase a vehicle in XXXX. On XX/XX/XXXX I logged into my online Citibank account and it stated my savings account was blocked. I called customer service and they told me they are planning on terminating my account in 30 to 60 days after which they will mail a check for the remaining balance. Citibank refuses to provide me with my account balance or how much money will be refunded to me. Agents of Citibank now just hang up on me and my wife when I call them. The promotional {$450.00} bonus was highly misleading and appears to have been a ploy to entice me to make a large deposit into the bank only for the bank to hold my money XXXX and profit off of me. They are trying to force me into giving them an interest-free loan for 60 days. I have no idea when or if they will refund me the balance of my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98004
Submitted Via: Web
Date Sent: 2022-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-30
Issue: Other transaction problem
Subissue:
Consumer Complaint: A Wire transfer of {$23000.00} was initiated online on XX/XX/2022, from our corporate account, XXXX XXXX XXXX XXXX, ( XXXX ) to another corporate account under the name of XXXX XXXX Wire transfer was unsuccessful and OFAC was cited as a reason by supervisor in Citibank Wire department. All available information requested has been provided. We subsequently canceled the wire transfer on XX/XX/2022. To date our funds have not been returned and reason is that XXXX is not able to provide ownership details of XXXX XXXX XXXX is neither obliged nor expected to know ownership details of XXXX XXXX and is not a valid reason for Citibank to withhold the funds of {$23000.00}. These funds are urgently required by XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91730
Submitted Via: Web
Date Sent: 2022-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-30
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Due to XXXX I lost some work and my husband lost his job and we incurred a lot of credit card debt. I tried hard to keep my XXXX XXXX XXXX and pay my debts but it was overwhelming. I looked online for help and found XXXX XXXX XXXX. I signed up at the end of XXXX and they told me that I would submit my debts to them, stop paying them, and in 2 months they would make negotiations with my creditors. until then the money I paid them each month would go into a savings account to pay all my creditors. So after two months, I noticed my debts were not negotiated so I called them and they told me they were in negotiations with one creditor. I asked when the others ones would, and they said it takes 3-4 months not 2-3 months. They said the last person I talked to was wrong. So I waited another 3-4 months as I watched my debts not get paid and credit score drop. I called again, I was told it takes 5-6 months. So again, I waited, I get to month 6 and call again. This time I demanded to see a copy of the savings account where all my money was supposedly going. the one creditor they were paying they told me they only paid them XXXX a month and I was paying them XXXX a month. They sent me the statement, and it had a ton of fees taken out each month. I said, so you are telling me that you pay the XXXX and all the money I have sent, thousands of dollars now, has only went to pay your fees. there is no money left to pay my other creditors even if you get in a negotiation with them. for the first time they admitted to me that yes I guess there wouldn't be any money left or to do negotiations with the other creditors for two more years. I said, well I could have been paying them and you kept telling me not to and kept telling me to wait. I asked that they took notes of the call and make sure to state all that was said. I was scammed big time. I had made several calls to them throughout the process only to be told the same thing, they are working on negotiations. but they were not. I lost a ton of money, I lost my good credit, and I am now in a worse situation because I don't even have the credit to get a loan to help me pay off my debts. I have cards that I did not submit to them in good standing, and I am so happy I didn't. I can't believe this happened to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77375
Submitted Via: Web
Date Sent: 2022-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-31
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Dear Sir/Miss, I got the below offer from Citi bank XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX XXXX {$5000.00} - {$14000.00} {$200.00} {$15000.00} - {$49000.00} {$400.00} {$50000.00} - {$190000.00} {$700.00} {$200000.00} and above {$1500.00} I choose XXXX XXXX {$700.00} bonus. I called to Citi Bank XXXX and opened a checking account ending XXXX on XX/XX/XXXX. The lady who opened my checking account told me that i will get {$700.00} bonus in 3 months. Then I transferred {$51000.00} from XXXX XXXX XXXX XXXX account to citi bank to earn this {$700.00} bonus in XXXX months. I did not get that bonus in 3 months then i visited NY Citi bank branch, They told me that i will get it by XX/XX/XXXX still I did not get the bonus. Then I called more than XXXX times to Citi bank. Every time they said, I will get my bonus. However, i never get it although it is already 7 months. While I chat, while I called they always told me that they create a new XXXX Citi bank is lying to me too much keeping my hope but I never get my bonus. I have still my money with Citi bank. I deposited for 3 months to get a {$700.00} bonus, I have not get it as of now. It's already 7 months. XXXX i request your kind support to arrange {$1400.00} bonus from them since they already kept my money for more than 3 months? Please let me know should you need additional information. I look forward to your kind support. Happy new year XXXX. Best Regards, XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08820
Submitted Via: Web
Date Sent: 2022-12-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-30
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: on XX/XX/XXXX XXXX closed my account without reason affecting muy credit score on XX/XX/XXXX XXXX XXXX closed my account without any reason on XX/XX/XXXX best buy/cbna closed my account without reason due the bureau credits send the order on XX/XX/XXXXXXXX XXXX XXXX closed my account without a reason All those account closed in my credit bureau with the remarked " CANCELED BY XXXX XXXX '' affected my credit report in a really bad way, my credit score still been affected because every time that i paid they reduce my credit limit and also closed accounts without any reason
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33033
Submitted Via: Web
Date Sent: 2022-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-30
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/XXXX, I wrote a check ( # XXXX ) for {$5700.00} addressed to XXXX XXXX of XXXX, California. This was the second payment on our annual property tax. The check was drawn on Citibank account ( account number XXXX ; routing number XXXX ). I posted the check at US Postal Service mailbox at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Someone, but obviously not a representative of XXXX XXXX, cashed the check on XX/XX/XXXX, according to Citibank records. ( I have a copy of the check in question ). On XX/XX/XXXX, someone supposedly representing the XXXX XXXX XXXX, called me at my home and asked whether I had authorized anyone to deposit the check at the XXXX XXXX XXXX. I said no. This same person then advised me to call Citibank, report what happened, and ask Citibank to block the account. The bank did so, but the check had already been cashed.XXXX said it would launch an internal fraud investigation. I have heard nothing substantive from Citibank since the initial report. On XX/XX/XXXX or XXXX, I reported a mail fraud incident to the US Postal Service. On XX/XX/XXXX, I received an acknowlegement of my report of possible fraud., stating that the case ( XXXX ) " ... was being reviewed by the US Postal Inspection Service . '' I also reported the matter to the XXXX XXXX Police Department. As of XX/XX/XXXX I have heard nothing futher from Citibank, the Postal Service, or the Police Department.
Company Response:
State: CA
Zip: 92660
Submitted Via: Web
Date Sent: 2022-12-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-31
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I am currently driving on bald tires and with the holiday, funds are tight so I applied for the Goodyear credit card through Citibank on XX/XX/22. I was notified of immediate approval and a pop up window provided me all the card details necessary to complete the purchase. I did not see any fine print regarding any risk of the screen timing out, so I left it up while going through the process of selecting and buying my tires. I learned Goodyear is more than double the cost of XXXX XXXX so when I got to the payment screen on tirerack.com, I realized my card information was closed out and I had no access to complete the purchase. I have since called Citibank division associated with Goodyear, established online account and submitted request for assistance through each option to no avail. I can't even access my card details through their secure website. What company does not allow you to view your own card details? When I called for assistance, I was clear with the associate on not purchasing my tires through Goodyear itself and why. The response, by phone and email, was to go to a Goodyear store with my ID and complete the purchase, and that I should be able to do the same with XXXX XXXX I can't purchase the tires directly at XXXX XXXX as I will lose the 6 months 0 % APR, ( another condition that makes no sense ) and XXXX XXXX also confirmed, during a phone call, they can not access my Goodyear account information without my giving it to them, that it is a known issue of Goodyear Citibank telling customers they can do this. I have to wait until I receive the card in the mail, XXXX business days, not including the holiday impact. This is XXXX XXXX and XXXX to customers is not acceptable. As much I want to immediately close the card, I hurt myself more by doing so. However, I want others to be aware of Goodyear and its poor customer service.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 19713
Submitted Via: Web
Date Sent: 2023-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-31
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for any purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27529
Submitted Via: Web
Date Sent: 2022-12-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A