Date Received: 2022-12-29
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On or around XX/XX/2022, I attempted to access my account to make a payment. When I attempted to access my account, I saw that it had been blocked. I immediately contacted Citi who told me there was a technical issue that be resolved soon. After being unable to login for a week, I contacted Citi Executive Response who changed the reason for me being unable to access my account and stated that it had been blocked. I requested paper statements until the issue was resolved but they declined. A Citi representative also told me the account would not be reported to the credit bureaus until the issue was resolved, but on XX/XX/2022 they reported the account delinquent. Citi has made it impossible for me to make a payment on the account because of their IT issues.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 926XX
Submitted Via: Web
Date Sent: 2022-12-29
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: When first opening my account with Citi Bank I opted-out of overdraught protection, Citi Bank saw a demand for payment enter and paid a company i was doing business with, that asked for {$2500.00}, actually i didn't have nearly that much inside my account for that amount and i would have disagreed with that amount that XXXX company was asking, I would have needed to review it with XXXX XXXX. My bank, Citi Bank without asking or without contacting me, claims that they paid the full amount to XXXX Co. I have not seen any documents that Citi really paid XXXX that amount After many attempts I spoke to a representative in recovery dept of XXXX XXXX Car, the Rep told me yes, they had been paid by my bank, I ask the rep to send me a confirmation to my email, what he sent did not confirm it. Now, my checking account sits in a negative for over XXXX and I can't use it to pay my bill and conduct my business.I would have set up a payment plan with XXXX, but was inform the charges was cleared by Citi Bank.i did not write XXXX a check for the last amount, XXXX just used my credit card number to add to original charges, that i should have reviewed before my pay it. Citi Bank committed a negligence and breached the level of care and concern for me as a client.Citi bank 's omission of of a duty to me, to see a suspicious transaction and first report it to me before paying it.since my checking account has never had a single deposit of over XXXX dollars.Before Abitration I want my account cleared because of the delays in me knowing the truth of Citi bank not really having paid XXXX nothing, and it is an obvious conspiracy to omit the use of my checking account. Citi Bank committed a Fraud act against me account and relationship with Bank. XX/XX/2022 beginning date of fraudent negligence. Now, Citi Bank
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92507
Submitted Via: Web
Date Sent: 2022-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-29
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Citi bank closed my checking and saving account without any notification or communication, with a reason that I transferred funds from my wife 's bank account to the Citi saving account. Citi claimed that this was a " fraud '' and the system automatically closed my accounts. I contacted Citi 's customer service and fraud department numerous times, they were to provide any explanation why this was a fraud and unable to provide any help to resolve the issue. Citi 's action has resulted in the inaccessibility of a significant fund and losses in interests.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19335
Submitted Via: Web
Date Sent: 2022-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-29
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Received credit alert on XX/XX/18 stating a Citibank Best Buy credit card application was tried. Application was denied due to my statement already showing Im a victim of identity issues and to call me to verify account opening. This was a hard pull to my credit but cant get to anyone to have this inquiry removed from my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48439
Submitted Via: Web
Date Sent: 2022-12-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-29
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I opened a citi premier card in XX/XX/2022. I wanted to use it while I am traveling abroad in XXXX to get the new member welcome bonus. I gave the travel notification and big purchase amount notification. However, my card got locked everytime I made a purchase XXXX XXXX i need to call citi again and again to lift my account using all possible ways ( my phone number, my security word other than the password, my payment history ). I called them 10 times in a week. But the card get locked again and again. Finally, they said they must mail me a letter ( which takes 4-7 business day ) in order for me to lift my account. I am going to travel soon and can't receive the letter but they said they have no ways to help me to either lift the account or extend bonus spending deadline, until I receive the letter. This whole experience ( get locked every time I made reasonable purchase, had to call 10 times, and had to wait for a mail to deliver in 1-2week ) is awful for a credit card. I would not recommend Citi to anyone if their fraud department continues to work like this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94043
Submitted Via: Web
Date Sent: 2022-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-28
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Citi Bank blocked my Citi XXXX XXXX on the first day of use, citing fraud prevention. I called them to ask them to lift the block. But they said they could not verify my identity using my cell phone, because my cell phone was not registered under my name. They said they would send me a physical letter with a code instead. I waited for weeks for the verification letter, but it never came. After a couple of weeks, I called them again to ask them to send another one, and the new one also never came. It has been almost XXXX months now, and I have not been able to use my credit card ( and can not meet the spending requirement during the first XXXX months to qualify for the sign-up bonus ). So I asked them to cancel my card and refund the annual fee. They refused to do so, saying that I would have to go through the verification process in order to be able to cancel the card. Citi Bank leaves me no option at all. My card is blocked with no practical way to lift it, and I can not even have the card cancelled.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 943XX
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 a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I am a platinum card holder with Macys. I generally buy products when they are on sales. On XX/XX/XXXX, there were such sales. I purchased some clothing items as well as earrings and necklace. The items were delivered on XXXX separate deliveries. On XX/XX/XXXX, I returned home around XXXX or so to find an opened box of macys package at my door, inside the box were XXXX empty cases and a receipt. I immediately called macys but they were closed so I went ahead and placed another order to be delivered. I called macys on XX/XX/XXXX to report my finding and also to let them know that I had since placed another order. Macys assured me that I was going to receive a credit. I waited for about a week, I didn't see any credit in my macys account. I called macys credit as well as XXXX. I was told to file a police report, which I did and was assigned a detective to the case. I also reached out to the XXXX delivery guy for my neighborhood, XXXX XXXX. He in turn called his supervisor, XXXX. Upon XXXX investigation, I was told that the package was delivered to a wrong address. They promised to go to the location and get back out to me. I asked them if they knew how the empty package ended up at my door, they said no. Few days later XXXX informed me that they went to the location where the package was delivered few times and no response that I should reach out to macys to sort it out with XXXX. I relayed all these to macys. Macys told me to contact XXXX to file a claim. XXXX stated that it's between macys and XXXX. To my surprise, I received their third denial yesterday XX/XX/XXXX insist that I pay {$1900.00} for the missing items. I have proven to macys that these items were never delivered to my house. Instead, an empty package was left at my door. Macys lied and claimed that the package was left in my mailbox even though XXXX stated that it was delivered to a wrong address.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 200XX
Submitted Via: Web
Date Sent: 2022-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-27
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: On XX/XX/XXXX, I received an email notification saying that I had opened a new account. When checking my XXXX XXXX account, I have seen a Macy 's credit card had been opened under my name on XX/XX/2002, of which I'm unaware. Therefore I reached out to Macy 's by phone to complain about that. So they told me that they are going to investigate the case, and expect a response from them after two billing periods.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-27
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Opened a Citi Bank checking account and debit card in XX/XX/2022 under XXXX XXXX XXXX. The reward is {$500.00}. The fourth week of XX/XX/2022 I called. The representative said this problem would be resolved in 3 to 5 business days. I called today XX/XX/2022 ... the Representative said it would be 30 more business days. The reward should have been posted to my account in XXXX XXXX. My wife opened the same type of account at the same time and received her rewards in a timely fashion. I find this unacceptable and would like Citi Bank to honor their contract.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32159
Submitted Via: Web
Date Sent: 2022-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-27
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair Credit Reporting Act XXXXXXXX XXXX XXXX XXXXXXXX and 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 166B : A creditor may not treat a 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: NJ
Zip: 07008
Submitted Via: Web
Date Sent: 2022-12-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A