Date Received: 2022-12-21
Issue: Fraud or scam
Subissue:
Consumer Complaint: I alerted Citibank and my bank XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX about a fraudulent Citibank account that scammed me of {$21000.00}. I sent them all the information about the account with dates, name, routing/account numbers. They have promised to do a full investigation but have went silent to me and my bank. Banks such as Citibank are required by federal law and applicable regulations to know their customers and understand their banking activities and conduct. They failed. I have offered them plenty of time to conduct an investigation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SD
Zip: 57106
Submitted Via: Web
Date Sent: 2022-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-21
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: I disputed the accuracy and completeness of this account on XX/XX/2022 and CITI BANK NA certified and verified that the information being reported is accurate. After CITI BANK NA verified the information as being reported accurate, I pulled my XXXX, XXXX, and XXXX consumer reports and noticed that the information is still incomplete and inaccurate. It's clear that CITI BANK NA failed to conduct a reasonable reinvestigation. This is a failed requirement of Regulation V under 12 CFR 1022.42 and a violation of 15 USC 1681s-2 ( b ) of the Fair Credit Reporting Act and CITI BANK NA is liable under 15 USC 1681n and 15 USC 1681o .
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 347XX
Submitted Via: Web
Date Sent: 2022-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-22
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I tried to get into by Best Buy Acct to pay my bill. The phone they provide has NO way to speak to a real person. Their automated system is only speech or numberpad-based. When they don't work there is no alternative. I can't pay my bill since NONE of the phone provided goes anywhere but their canned systems. I am sure this is deliberate as they can charge XXXX fees for late accounts. At this point I want to pay the account off and close it. Such a sleazy company. HELP!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94501
Submitted Via: Web
Date Sent: 2022-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-22
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I opened a checking account with Citibank, they decided to close my accounts on XX/XX/22. I was told several times I would get a check for what they owed me but it was never sent, .all I do is talk to XXXX and was told I would have a check by XX/XX/22 which I never received! I am getting the run around from Citibank and want the money that they owe me!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37221
Submitted Via: Web
Date Sent: 2022-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-22
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I have earned rewards money ( in XXXX ) using my XXXX Citibank Visa credit card and I am unable to redeem it because XXXX employees are telling me ( on XX/XX/XXXX ) there is an error code. Citibank 's website is also giving me an odd error message when I try getting the rewards reissued.
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: 2022-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-21
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: At the time I was applying for a mortgage so I called all my credit cards to get an updated balance on my credit report showing a lower balance amount. On XX/XX/2022, I made a payment to Citibank XXXX XXXX credit card in the amount of {$1500.00} my credit limit at the time was {$3400.00}. When calling Citibank I explained the situation to three reps two of which were overseas and had no idea what I was talking about when asking for a credit update. I finally spoke to someone in the United States explained my situation and she said the department will send an email to the credit reporting department and my report should be updated. Well that didn't happen. I received an email next day XX/XX/2022 saying my credit limit has been decreased to {$2000.00} which made my new available balance {$420.00} and not {$1800.00}. My original plan was to make two payments in the span of two days. So I basically just wasted {$1500.00} and right before XXXX. This was not what I asked for! The reps were no help and told me I had to wait when they were the ones who messed up. They even tried to say it was because of my credit, I told them nothing has changed since applying with them and on my report. I could've kept my money had I known I would be screwed like this especially with it being the holidays and my daughter 's birthday. I couldn't even complete getting my daughter 's presents because of this. I didn't have this issue with XXXX XXXX or XXXX banks! Now I regret opening an account with Citibank after this mishap.
Company Response:
State: CA
Zip: 90503
Submitted Via: Web
Date Sent: 2022-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-20
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Identity Fraud Home Depot XXXX, TN XX/XX/2022 {$5000.00} My identity was stolen. A cc card was issues to someone other than me- identify unknown. I have contacted Home Depot. They told me that the SS # was invalid but they still gave the credit. Home Depot case # XXXX. I have also filed a XXXX, TN Police report case # XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37043
Submitted Via: Web
Date Sent: 2022-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-20
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Received notification via email that I have applied and opened a credit card with CitiBank. I have notified CitiBank of the fraud and requested they cancel the card. I was informed they cancelled the account ; however, it seems that is not the case and now CitiBank is mailing out the new card. No one from their fraud department has reached out since I reported the issue. XXXX credit report shows the inquiry on my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 397XX
Submitted Via: Web
Date Sent: 2022-12-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-20
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/22 I requested copies of bill payments to my XXXX that they claim were not received. Investigation numbers XXXX and XXXX. Can not get a straight answer for several weeks. Went into 2 branches, several chats and calls all were disconnected. XX/XX/22 received letter from Citibank that payments were returned to them and money would be in my account in 1-3 days. As of today XX/XX/22 that still has not happened and I just can not get anybody to give me any answers or refund my money. Very frustrating!! Please help! Thanks
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33433
Submitted Via: Web
Date Sent: 2022-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-20
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/XXXX I opened a Citibank Priority checking account with a promotion {$1000.00} cash deposited balance after 81 days per their website and promotion online. Depending on the amount of funds you deposited. Mine was {$75000.00} and I would receive a {$1000.00} deposit after I met the requirements. On XX/XX/XXXX I met the requirements of the promotion and have called 3 times and spoke to XXXX and managers and they keep telling me they have 90 days to deposit. This is not what their website said when opening the account. I called again on XX/XX/XXXX and was told 30 days and I called again XX/XX/XXXX and was told 90 days by the XXXX person and her XXXX at XXXX. They are in breach of what their online advertising says and under most pretenses most customers would just wait. Pursuant to their website of them having 30 days to deposit the funds. They are gaining my interest off me and therefore pushing their obligation to me ie the bonus to even out their funds. This is wrongful and therefore I wish these promotion items to be investigated. The consumer should not have to full fill their obligation but the banking institutions get by using our funds for their gain and not full fill theirs.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30542
Submitted Via: Web
Date Sent: 2022-12-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A