Date Received: 2022-12-30
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I reported 2 fraudulent charges made to my account number ending in XXXX on XX/XX/22. They were both in the amount of {$500.00} at XXXX XXXX in XXXX, AL. I have not traveled, did not make this purchase and had other credit cards compromised around this date as well as my cell phone number " ported '' to a different provider. After investigation, Citi claims because it was a chip enabled transaction it is not fraudulent activity. Like I would fly to Alabama and shop at XXXX XXXX to the tune of {$1000.00}.
Company Response:
State: MA
Zip: 027XX
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: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Regardless of the multiple written requests, the unverified account listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove this account completely from my Credit Reports : CITI XXXX Date Opened : XX/XX/2005 Balance : {$0.00}
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: 2022-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-30
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX DOB : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX RE : Account Number : XXXX XXXX XXXX XXXX Credit Card Balance : {$16000.00} To Whomsoever It May Concern : I believe your statement contains a Billing Error in the amount owed : XXXX XXXX XXXX XXXX {$16000.00} In accordance with 12 CFR 1026.13 ( 6 ) - Billing error resolution : A reflection on a periodic statement of an extension of credit for which the consumer requests additional clarification, including documentary evidence. I extended your organization the credit for account number : XXXX XXXX XXXX XXXX I hereby give your Company notice pursuant to 9-A 8-103.1-A ( b ) that your company never provided an adequate notice which clearly and conspicuously mentions the pertinent facts of this transaction. Your Company didnt even inform me about the cost of Credit and the evidence of the indebtedness was just a merely computer-generated agreement. According to 9-A 8-103.1-A ( b ) " Adequate notice '' as used in section 8-302 means a printed notice to a cardholder that sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. That notice may be given to a cardholder by printing the notice on any credit card, on each periodic statement of account issued to the cardholder or by any other means reasonably ensuring the receipt by the cardholder. Since the adequate notice was not given as per the above-mentioned section, I couldnt understand its meaning which is a violation under 9-A 8-103.1-A ( b ). Further, pursuant to 15 U.S. Code 1601 ( a ) a consumer must be aware of the cost of the transaction. Since I was not aware of the transaction, therefore made an uninformed decision and it resulted in multiple billing errors, and unfair credit card practices. From your end, I have not benefited from this transaction which is again a violation of 12 CFR 226.12 ( b ). According to 12 CFR 226.12 ( b ), The term unauthorized use means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. I was deceived by the deceptive form you created which is a violation of 12 CFR 1006.30 ( e ). According to 12 CFR 1006.30 ( e ), Furnishing certain deceptive forms. A debt collector must not design, compile, and furnish any form that the debt collector knows would be used to cause a consumer falsely to believe that a person other than the consumers creditor is participating in collecting or attempting to collect a debt that the consumer allegedly owes to the creditor. To remedy this matter, I hereby request the following resolution ; I. Refund extended credit amount in full. II. Change the mention-above account status to Do Not Pay/Do Not Collect III. Full compensation me for the above-mention Consumer Violations IV. Fully compensate me for much mental as well as financial distress. I am open to communicating with you for this purpose. To make sure that I am not put at any disadvantage, in the meantime please treat this alleged debt as being in dispute and under discussion between us. If you accept my request, I will not escalate this matter to Federal Court. All collection activity must cease and desist. Also, during this Billing Error investigation period, if any action is taken which could be considered detrimental to any of my credit-reporting repositories, this includes but is not limited to any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this Billing Error Resolution Notice within 30 days from the date of your receipt, I will assume that you knowingly and willfully committed Racketeering/Extortion and Fraud against me ; therefore I will immediately open a complaint with the Consumer Financial Protection Bureau ( CFPB ), and the Federal Trade Commission ( FTC ). I will also seek legal counsel for a remedy to these consumer violations. Thank you for your cooperation. Sincerely, XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30035
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: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXXXXXX XXXX : XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD, XXXX RE : Account Number : XXXX XXXX XXXX XXXX Current Credit Card Balance : {$20000.00} To Whomsoever It May Concern : I believe your statement contains a Billing Error in the amount owed : XXXX XXXX XXXX and XXXX/XXXX {$20000.00} In accordance with 12 CFR 1026.13 ( 6 ) - Billing error resolution : A reflection on a periodic statement of an extension of credit for which the consumer requests additional clarification, including documentary evidence. I extended your organization the credit for account number : XXXX XXXX XXXX XXXX I hereby give your Company notice pursuant to 9-A 8-103.1-A ( b ) that your company never provided an adequate notice which clearly and conspicuously mentions the pertinent facts of this transaction. Your Company didnt even inform me about the cost of Credit and the evidence of the indebtedness was just a merely computer-generated agreement. According to 9-A 8-103.1-A ( b ) " Adequate notice '' as used in section 8-302 means a printed notice to a cardholder that sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. That notice may be given to a cardholder by printing the notice on any credit card, on each periodic statement of account issued to the cardholder or by any other means reasonably ensuring the receipt by the cardholder. Since the adequate notice was not given as per the above-mentioned section, I couldnt understand its meaning which is a violation under 9-A 8-103.1-A ( b ). Further, pursuant to 15 U.S. Code 1601 ( a ) a consumer must be aware of the cost of the transaction. Since I was not aware of the transaction, therefore made an uninformed decision and it resulted in multiple billing errors, and unfair credit card practices. From your end, I have not benefited from this transaction which is again a violation of 12 CFR 226.12 ( b ). According to 12 CFR 226.12 ( b ), The term unauthorized use means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. I was deceived by the deceptive form you created which is a violation of 12 CFR 1006.30 ( e ). According to 12 CFR 1006.30 ( e ), Furnishing certain deceptive forms. A debt collector must not design, compile, and furnish any form that the debt collector knows would be used to cause a consumer falsely to believe that a person other than the consumers creditor is participating in collecting or attempting to collect a debt that the consumer allegedly owes to the creditor. To remedy this matter, I hereby request the following resolution ; I. Refund extended credit amount in full. II. Change the mention-above account status to Do Not Pay/Do Not Collect III. Full compensation me for the above-mention Consumer Violations IV. Fully compensate me for much mental as well as financial distress. I am open to communicating with you for this purpose. To make sure that I am not put at any disadvantage, in the meantime please treat this alleged debt as being in dispute and under discussion between us. If you accept my request, I will not escalate this matter to Federal Court. All collection activity must cease and desist. Also, during this Billing Error investigation period, if any action is taken which could be considered detrimental to any of my credit-reporting repositories, this includes but is not limited to any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this Billing Error Resolution Notice within 30 days from the date of your receipt, I will assume that you knowingly and willfully committed Racketeering/Extortion and Fraud against me ; therefore I will immediately open a complaint with the Consumer Financial Protection Bureau ( CFPB ), and the Federal Trade Commission ( FTC ). I will also seek legal counsel for a remedy to these consumer violations. Thank you for your cooperation. Sincerely, XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30035
Submitted Via: Web
Date Sent: 2022-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-28
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I opened my Citibank checking account in XXXX. On XX/XX/XXXX, I wrote my first check from the account in the amount of {$150.00} payable to a contractor named XXXX XXXX. XXXX XXXX then deposited my check at XXXX XXXX, which told him that the check bounced. XXXX XXXX contacted me on XX/XX/XXXX to ask me what was going on. I immediately logged on to citi.com and chatted with a Citi CSR named XXXX. He told me my check had not bounced and was in the process of clearing. I then requested that Citi write a letter to XXXX XXXX explaining that Citi did not in fact refuse payment on my check. He told me he could not do that but to call Citi 's call center. I then did so, and the front line agent repeated what XXXX said ( that the check was in the process of clearing ), but she was able to read XXXX XXXX name on the check, and that struck me as odd. I asked her if you can see the whole check, why hasn't it cleared? I wasn't satisfied with her answer and asked to speak to a supervisor. The supervisor said that Citi had in fact denied payment for the check b/c I didn't activate my checkbook. The chat was still open with XXXX, so I went back to him and told him the call center told me that Citi had denied payment b/c I didn't activate my checkbook. He too was unfamiliar with this policy and said he would file a complaint on my behalf. He said I would hear back from Citi via e-mail within 24-48 hours about my complaint. This was yet more false information that Citi CSRs gave me during this debacle, as no one ever got back to me. I have included screenshots of the misinformation I was given by XXXX. I was in shock, as there is no notice on my checkbook that I need to activate my checkbook, nor anything in the account agreement about activating checkbooks. In fact, I'd never heard of a requirement to activate a checkbook. The account agreement does in fact discuss activating debit cards, and debit cards arrive with stickers on them explaining they need to be activated. In contrast, my checkbook looks like a normal checkbook with no stickers or other notice explaining that I supposedly need to activate my checkbook to use it. This is a bizarre and unusual policy, and in fact, there is no record of it anywhere in Citi 's account agreements. If Citi does indeed have such a bizarre and unusual policy, then the checkbook should be emblazoned with warnings about their unusual activation policy. I will attach a picture of my checkbook ( with the account number cropped out ), so you can see that it looks like a normal checkbook, i.e. one that doesn't require activation. Furthermore, if Citi does indeed have such a policy, Citi should have contacted me to verify that I indeed wrote the check before wrongfully dishonoring it. I have Citi credit cards, and Citi also likes to make my life difficult by rejecting charges I try to process on my Citi credit cards. However, Citi often will send me a text asking if I had indeed attempted the charge in question. Why didnt Citi do that for my check, especially given that dishonoring a check is a grave matter in banking? Citi wrongfully dishonored my check based on what by all accounts appears to be an imaginary checkbook activation policy. Even two of Citis own front-line agents did not know about this imaginary policy and thought my check was in the process of clearing given that I had sufficient funds in my account. Even if this apparently imaginary policy somehow actually exists, it is so bizarre and unusual that Citi MUST properly notify customers about such a bizarre and unusual policy. And yet my checkbook isnt emblazoned with warnings about this activation policy despite that my debit and credit cards always are, and everyone expects that such cards have to be activated. By wronfully dishonoring my valid check, Citibank has violated Uniform Commercial Code 4-402 and owes me damages. Besides the fact that I had to spend hours trying to rectify this matter with Citi 's unhelpful, outsourced customer service which repeatedly gave me misinformation ( in writing, which I have documented ), I had to pay a {$30.00} stop payment fee on the check b/c XXXX XXXX demanded immediate payment of the {$150.00} that I owed him. Since I was unable to meet him in person, I had to send the funds via XXXX and thus had to stop payment on the check in case XXXX XXXX presented it again. Furthermore, XXXX XXXX was charged a returned deposit fee by XXXX XXXX. Finally, I may have been reported to XXXX or a similar agency for writing bad checks.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02478
Submitted Via: Web
Date Sent: 2022-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-28
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: DATE : XX/XX/XXXX XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX / XXXX XXXX XXXXXXXX FLORIDA XXXX XXXX CitiBank Account Number ending : XXXX Debit Card number : XXXX Citibank XXXX : XXXX XXXX XXXX, XXXX XXXX FL XXXX, XXXX Citibank branch number : XXXX Re : account frozen and false information reported by Citibank on my account. On XX/XX/XXXX I signed online in my Citi account and noted my account for travel notice from XX/XX/XXXX to XX/XX/XXXX and received confirmation. On XX/XX/XXXX I made a domestic wire transfer from my Citi Priority account in the amount of {$33000.00} into my Citi Business account. I received 3 different calls from citi fraud department, they verified every detail and told me the restriction was successfully lifted. On XX/XX/XXXX I received an email from citi bank that the wire transfer I made in the amount of {$33000.00} was canceled ( Reference Number XXXX ) The reasons for the cancelation were we are unable to reach out to verify the information you provided ) INCORRECT and false information was reported by Citibank. I verified 3 times over the phone every detail you can possibly verify. From XX/XX/XXXX I was calling Citibank daily sometimes 2 times a day to get this fixed and they were simply refusing to help me with anything, no matter how much I provide verification about myself. Citi bank claimed to protect their customers and they did completely the opposite. My account was frozen, my debit card was locked, and my online access was locked too while traveling with my family in XXXX for the XXXX. Citi bank completely shut off access to my only money and cause me huge financial losses and damage. On XX/XX/XXXX I receive a letter that my account will be closed within 60 days. Also, Citibank offered in the email to request my funds to be delivered to me sooner If I choose to, I did and Citibank failed to respond this is the message from the Citibank email 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 I did call and request my money to be mailed to me sooner, and Citi again failed to comply with their policy. I no longer want to be a Citi bank client, and want all my available funds to be mailed to the address on file ASAP. Citibank violate all my rights, reported false information, and keep XXXX my money. Citibank is committing a crime by reporting false information about me, and my account and keeping my money XXXX. Again, Im requesting Citibank sent all my available funds to the address on file ASAP before the account gets closed, this option was offered to me by Citibank, in their email. Sincerely XXXX XXXX
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: 2022-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-28
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: DATE : XX/XX/XXXX XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX, XXXX Citibank branch number : XXXX Re : account frozen, wire transfer frozen, and false information reported by Citibank on my account. On XX/XX/XXXX I signed online in my Citi Business account and noted my account for travel notice from XX/XX/XXXX to XX/XX/XXXX and received confirmation. On XX/XX/XXXX I made an international wire transfer from my Citi Business account in the amount of {$22000.00} it was a XXXX gift to mom to help her remodel the house. I received 3 different calls from the Citi fraud department, they verified every detail and told me thank you very much for confirming the wire transfer it was successfully done On XX/XX/XXXX the {$22000.00} left my citi bank account and arrived in my moms account with the message fraud and my mom Could NOT take the money I sent. I contacted Citi to get this resolved on XX/XX/XXXX, and they verified me again they told me my account was sent to the fraud department and it will get closed within 60 days. Citibank reported false information on my account when they verified me 3 times over the phone before they approve the wire transfer, their customer support and fraud team verified me successfully and confirm the wire transfer was done successfully, then 12 hours later Citibank turned around, and market the wire transfer fraud and froze my account. My account was frozen, the wire are market fraud and customer service refuse to provide any information or what steps I need to take. From XX/XX/XXXX until XX/XX/XXXX I called Citi bank daily to get this done, but no one can give me a clear direction or what should I do, no matter how much I provide verification about myself. Citibank violated and misled false information on my account after their support team verified me and confirmed the wire transfer. I NEVER received an email or letter from Citi bank about my account will be closed or any communication about the wire transfer being frozen or any information about my account. I contacted Citibank again on XX/XX/XXXX and tried to understand what are my next steps, they told me my account was sent to be closed. I requested Citibank to send me an email or letter regarding my account, and they failed. I no longer want to be a Citi bank client anymore, and requesting that Citibank remove the word fraud from the wire transfer. This is false information reported by Citibank when their team verified me over the phone and their team confirmed the wire transfer. On XX/XX/XXXX I received another call from XXXX XXXX Citi fraud department from the fraud specialist XXXX, he wanted to verify again if that was me initiating the wire transfer in the amount of {$22000.00} and I confirmed YES, it was me. In total, I have received 4 different calls from Citibank verifying the wire transfer - all verification was done successfully. Asking Citibank to fix this ASAP, and release the wire transfer, release the word fraud from the wire transfer. Citibank is committing fraud and misleading false information on my account. This is a crime, what Citibank is doing, and holding my money XXXX. Citi bank causes me financial damage and I will make sure they pay every cent for every damage they cause me during this XXXX season while traveling with my family. Again, Im asking Citibank to release the wire transfer ASAP, I no longer want to be a Citi bank client. Sincerely XXXX XXXX
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: 2022-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-28
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: There are Inquiries that are reflecting on my credit report that I have not authorized.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23324
Submitted Via: Web
Date Sent: 2022-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-28
Issue: Improper use of your report
Subissue: Received unsolicited financial product or insurance offers after opting out
Consumer Complaint: XXXX : Inquiry XX/XX/2022 Unauthorized/Please Removed XXXXXXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX Inquiry XX/XX/2022 Unauthorized/Please Removed XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX Inquiry XX/XX/2022 Unauthorized/Please Removed CBNA CBNA XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX Inquiry XX/XX/2022 Unauthorized/Please Removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX : Inquiry XX/XX/2022 Unauthorized/Please Removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/2022 Unauthorized/Please Removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/2022 Unauthorized/Please Removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Inquiry XX/XX/2022 Unauthorized/Please Removed XXXX XXXX Financial Inquiry XX/XX/2022 Unauthorized/Please Removed XXXX XXXX XXXX XXXX Inquiry XX/XX/2022 Unauthorized/Please Removed XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75028
Submitted Via: Web
Date Sent: 2022-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-28
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: I was a victim of fraud in XX/XX/2022 and reported it to Citibank. I was told to go into the branch so that they could close and open a new acct for me as a measure against fraud. My previous acct had a line of checking plus of {$1000.00}. Due to the fraud hitting my credit score for multiple reasons, ( Citibank, Amex credit card and XXXX ) my credit score was lowered. During this entire process I was assured I would be approved for the overdraft. Turns out, the managers at the XXXX Citibank in XXXX, lied to me by providing misinformation. They are not authorized to tell customers if they will get approved for certain products as this was the case in my situation. Overdraft is given SOLELY on credit score and given my score took a hit during this fraudulent activity there was no way the managers should have ensured me that everything would be the same.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07306
Submitted Via: Web
Date Sent: 2022-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A