Date Received: 2022-12-20
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Debt was sold to XXXX XXXX services and account was settled and closed on XX/XX/2022.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35405
Submitted Via: Web
Date Sent: 2022-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-21
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: Citibank blocked my savings account with XXXX dollars for XXXX month and a half I couldnt pay my rent and my bills I have a Citibank credit card that I couldnt pay because Citibank hold my money now Citibank report me to credit bureaus while theyre holding my money I lost so many points on my XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 117XX
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: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: I signed up and was approved for a Citi Bank XXXX XXXX card. I setup my online account with my temporary card, and once I received my full card I set it up in the app as well. I went online and setup my payment account and so on. Once I got my full card I attempted to setup XXXX XXXX and that was a living nightmare, I couldn't receive an SMS OTP code, or a Phone call from Citi to finish setting up my account ( Funny story, attempting to use XXXX XXXX years ago on my Citi Double Cash card caused me to stop using it since it was nearly impossible to do so ). In the past week since validating my card, when I've logged into the app I've been locked out 3 times now, each time requiring me to call the " fraud '' department which has no clue what is going on. The first 2 times I got it unlocked, and the third time they couldn't help me so I got transferred over to tech support, and XXXX just deleted my account saying it was setup improperly. Now I'm accountless and Citi 's absolutely terrible online banking system isn't compatible with password managers. I'm not going to type in a 32-character randomized alpha numeric password by hand twice especially because of poor technical choices by Citi. So now I can't even pay my bill since you deleted my account instead of just unlocking it. Oh and for the cherry on top you DON'T EVEN SEND ME A NOTIFICATION WHEN YOU LOCK MY ACCOUNT! I can still use my card, but I can't check my balance or pay it. I quite literally want to give you my money and you REFUSE to take it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37849
Submitted Via: Web
Date Sent: 2022-12-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-19
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: 1.I have never had an account with this company XXXX, REMOVE from all credit agencies from reporting. 2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are SEARS/CBNA the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-19
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: credit card company isn't giving me a credit on items that I had complained to them about right after I saw the unauthorized charges. every time I call they give me the run around. I also have a long letter ( see below ) with all the dates and times that I had contacted them to no avail. letter sent below on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XX/XX/XXXX RE : Citibank XXXX XXXX XXXX CASE # XXXX To whom it may concern I have been trying to get you to issue me a credit for my account from XXXX XXXX XXXX XXXX XXXX since the day I called on XX/XX/XXXX of this year. Thats right we are going on XXXX months which is really an outrage. I sent you an email on XX/XX/XXXX as per your representative instructions ( XXXX from billing disputes ) and have yet to hear from your company. The list below is a comprehensive compilation of all the representatives that I have spoken to for over 7 months and each one has been as unresponsive as the next one. Time line of correspondence XX/XX/XXXX spoke to an associate who gave us a case # XXXX which I was later told was Not valid ( never heard back from anyone ). XX/XX/XXXX I spoke to XXXX who then transferred me to to XXXX said she was going to look into it ( heard nothing back ). XX/XX/XXXX XXXX XXXX spoke to XXXX from the security dept. they were going to look into it. ( Heard nothing back ). XX/XX/XXXX Spoke to XXXX who said it was closed because we didnt respond to a letter That was sent to us. Not true nothing was ever emailed or sent by mail that needed a response. The only letter received was XXXX sent on XX/XX/XXXX ( UPDATE ) which said they were looking into the dispute. He reopened the XXXX. ( Never heard anything back ). XX/XX/XXXX spoke with XXXX from XXXX who said she froze the account ( never happened as you can see ) and then sent it to the fraud dept. Spoke to XXXX from XXXX who was going to look into it ( never heard anything back ). XX/XX/XXXX spoke to XXXX at XXXX who then transferred me to XXXX XXXX XXXX in billing disputes who again told me that they were going to look into it and also instituted a suppression applied which again was supposed to freeze the account but as you can see nothing happened and ( never heard back anything ). XX/XX/XXXX XXXX to XXXX at XXXX told me there was a delay in getting the info from the fraud dept promised me that I would hear something back in XXXX business days. ( Never heard backanything ). XX/XX/XXXX Spoke to XXXX at XXXX XXXX from billing disputes, he told me to write an email and Include in the email that we had received from from XXXX XXXX XXXX XXXX XXXX where he was Issuing us a full credit of {$5000.00} for all the additional charges that were made by mistake. That email was sent to Billing XXXX on XX/XX/XXXX ( see attached ). He also gave us a case # XXXX ( never heard anything back from our email ). XX/XX/XXXX spoke to XXXX in billing disputes who then told us we had to speak to someone in security operations. We spoke to XXXX at XXXX who was going to transfer us to an account supervisor. After waiting for some time she told us she was going to call us back. At XXXX low and behold she called us back and told us that a supervisor would call us. At XXXX XXXX called and left a message. XX/XX/XXXX called back and spoke to XXXX at XXXX XXXX, they connected us to a supervisor at XXXX XXXX who was a security operations supervisor who was now going to transfer the case back to billing disputes. XXXX spoke to XXXX supervisor from billing disputes who said she was going to send a message to the XXXX to find out what is going on. She said it will take XXXX hours for them to receive the message and XXXX weeks to respond back. So here we are XX/XX/XXXX and we have heard nothing back at all about the case, no response from our email, no response from the calls, NOTHING!!!!!!! What I dont understand is why when you have the letter from the vendor that specifically states they were going to issue a credit, why in the world you still have to investigate anything. This vendor has illegally charged my account on XXXX different occasions, they were all unauthorized and I brought this to your attention right away. You not only have done absolutely nothing to right this very wrong, but I would say you have abetted this unscrupulous individual/company because you didnt react or respond Right away to my requests. You allowed these charges to go through and you even allowed the charges to exceed my credit limit which add insult to injury you paid him anyway. I am a XXXX very hard working XXXX women with XXXX XXXX XXXX and have spent many years working diligently to make sure my credit is perfect. You have done nothing to help me with this case, you have caused me extreme anxiety, sleepless nights and ruining my credit. I noticed that you are advertising in the newspapers how you want to help young XXXX customers and that you were now going to be fair and inclusive with your lending practices. Is this how you act, is this fair, is this moral? I want you to check all the recordings, I want you to see how your customer service is a joke, I want you to see how you hurt your customers, I want you to see how you favor XXXX XXXX over your loyal customers, I want this dispute rectified right away ; I want my account to be credited for what I had asked for over 7 months ago, I want the interest payments credited as well, I want Your wrong to be righted. I expect an answer back right away and an apology and I dont want to wait another 6 months for these unauthorized charges to be credited. Very truly yours, XXXX XXXX XXXX
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: 2022-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-19
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: My personal checking account was closed in XXXX XXXX at Citibank. No reason given. Have tried with branch and customer service to receive funds. No returned funds as of XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60622
Submitted Via: Web
Date Sent: 2022-12-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-19
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 have got in touch with citi regarding my citi double cash card. There's a debt of around {$11000.00} on there and i have already informed there about it for about a week or so. I was told i would be getting my money back but i have seen no efforts on it. This card was not used by me and yet i am still expected to pay for the monthly payments on the card. This is so frustrating. I haven't heard back from them yet. I was told i would get the money back in three days since i didn't do the spending. But it looks like they aren't even going to respond to my case. I am so so tired of this issue i want this fixed as soon as possible. Now I'm supposed to pay for a monthly bill which did not spend close to that amount
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 401XX
Submitted Via: Web
Date Sent: 2022-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-19
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: MY ACCOUNT WAS CLOSED WITH OUT ANY NOTIFICATION, A DAY BEFORE I RECEIVED A {$250.00} DEPOSIT FROM MY MOTHER MY ACCOUNT WAS CLOSED BUT THEY STILL LET THE DEPOSIT HIT MY ACCOUNT. NOW I CANT GET ANY MONEY OUT OF MY ACCOUNT INCLUDING THE {$250.00} SHE SENT ME THE DAY AFTER MY ACCOUNT WAS CLOSED. I DINT KNOW MY ACCOUNT WAS CLOSED UNTIL I TRIED TO WITHDRAW THE {$250.00}. I ACTUALLY DIDNT KNOW UNTIL I WENT TO THE BANK AND THEY LET ME KNOW. THEY SAID I COULDNT ACCESS ANY FUNDS AND WOULD HAVE TO WAIT 60 DAYS FOR A CHECK. I HAVE PLENTY OF BILLS AND ITS UNFAIR TO ME THAT THEY GIVE ME NO REASON AND THEY ARE HOLDING MY MONEY.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90012
Submitted Via: Web
Date Sent: 2022-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-19
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Around the beginning of 2022 I started getting letters from CitiBank claiming I was overdue on a credit card debt. I called the number on the letter I received only to have them try to get more information on me, like my SS number. I did not give them any additional information. I called CitiBank directly and spoke to their fraud department to verify my old credit card had been paid off. They verified that it has a " XXXX '' Balance and that the account associated with that card has been closed due to inactivity. I continue to get letters from whomever is posing as CitiBank and they have sent my imaginary debt to a debt collector now. When I called the debt collector, they wanted payment over the phone. When I told them I did not owe this money, they hung up on me. The dept collector is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I'm sending pictures of two of the many letters I've received.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30907
Submitted Via: Web
Date Sent: 2022-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-19
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: There are inquiries on my report I do Not recognize. I did Not authorize inquiries.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77545
Submitted Via: Web
Date Sent: 2022-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A