Date Received: 2022-12-19
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I have a Citibank Mastercard account XXXX which was opened XX/XX/XXXX, and currently has a XXXX balance owing. However, XXXX is reporting that I had a late payment in XXXX of XXXX. That is not accurate. I have never been late in paying this card. I disputed the inaccurate reporting directly with XXXX and XXXX and both credit reporting agencies have corrected the inaccuracy. However, despite different disputes with XXXX, XXXX has failed to correct this inaccuracy and continues to erroneously reflect a late payment for the month of XX/XX/XXXX in the payment history. It is clear that XXXX and Citibank have failed to conduct a reasonable investigation of my dispute as required under the Fair Credit Reporting Act and the Fair and Accurate Credit Transactions Act, and have subsequently failed to correct the inaccuracy in their reporting of my payment history for this trade line. Being that I have twice attempted to indirectly dispute this through the CRA, without resolution, I now have private right of action to bring litigation against XXXX and Citibank for falsely reporting this inaccurate information ; and I intend to do just that if it not rectified with the assistance of the CFPB.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75025
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: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2022 I received an email stating my accounts would be closed within 60 days. I have contacted Citi Bank multiple times via phone to have the remaining funds in my checking account sent to me. I was told a check would be sent within 60 days, and I had no option to obtain funds sooner, despite the email stating 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 was also advised I was not able to go to a branch for assistance. Since this timeframe has passed, I reached back out to Citi Bank and was told I would no longer be receiving any funds. The funds in my Checking account totaled {$270.00} at the time I received the notice of closure. These funds are rightfully mine and Citi has no authority to keep them. My account statement shows an other debit in the amount of {$270.00}, leaving my account at a {$0.00}. I demand to know where my funds went, and prompt return of the funds to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85364
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: 2022-12-20
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: A fraudulent charge was put on my credit card. The charge from XXXX XXXX XXXX XXXX in the amount of {$1100.00} occurred on XX/XX/2022, but was not put on my account until XX/XX/2022. I called Citibank to dispute the charge. They cancelled my old credit card and reissued me a new card, but do not dispute the charge. I then did a chat online with the bank and they said they would dispute the charge, but again they did not dispute the charge. This has negatively affected my credit score and reduced my available credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-20
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting Act XXXX XXXX Account # XXXXXXXXXXXXXXXX, 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. 15USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46239
Submitted Via: Web
Date Sent: 2022-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-20
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/2022 I was charged {$1000.00} for a purchase I did not make. On that date I was traveling home from XXXX. I did not have time to go on any excursion which is supposedly what the charge was for. I contacted the company and they dont even accept credit cards and the address on the receipt is not even theirs. I have showed proof of travel and explained all of this repeatedly, including texts from the company and it seems they can not understand that there is no way I made this charge. The fact that I did not lose my card does not mean that I did not make this charge. I believe one of the vendors I did use it with made the charge. I have no problem paying my charges but when I didnt make the charge it is very frustrating. The digital signature is not even close to mine and doesnt even have my last name on it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 953XX
Submitted Via: Web
Date Sent: 2022-12-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-19
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: This is for XXXX XXXX XXXX. They call me constantly and I keep my phone on silent all the time now missing important calls. Ive tried blocking every number but it doesnt matter they will just call from different numbers. I told someone awhile ago to stop calling as I am XXXX but dont get XXXX because its a XXXX XXXX thats hard to prove. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. He has a daughter and XXXX XXXX XXXX XXXX. I cant work so I cant pay anything towards this. Theres nothing I can do.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 99202
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: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: i was scam someone hacked into my online bank, transfer XXXX transactions and open new acconts apply for personal loan and debit charges i didnt do.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11433
Submitted Via: Web
Date Sent: 2022-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-18
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: So I walk in to a Citi Bank Branch and the banker helps me open a new account, and I deposit money into the account. Come the following day, I go online to check my account at it shows my account being blocked. I called Citi Banks customer service and which they directed me to their faud dept, not giving me a reason why my account was blocked and closed and I just opened the account the day prior. I walked into the bank showed my DL license and my SSN, and opened my account with no problems. Now my money is tied up again with this bank with no reason.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91766
Submitted Via: Web
Date Sent: 2022-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-18
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I received a mail from Citi that on XX/XX/2022, Citi bank closed all my accounts without providing any reason. Not long after, I called the number that was provided in the notification trying to understand why and maybe fix the issue. The Citi bank representative couldn't provide any reason, the decision is permanent and said another mail explaining why will be sent to you in XXXX days. But i haven't received anything since. I also ask when I can have my money back as I have {$75000.00} in the Citi Priority saving account. The representative didn't have an answer either. I have also tried to log into my account, but Citi has blocked my access, so I can not view or access everything such as bank statements. Now I am wondering if Citi is going to return my deposit back to me. It is a lot of money and it is my money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98103
Submitted Via: Web
Date Sent: 2022-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-18
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I opened a Citibank Citigold checking account on XX/XX/XXXX and deposited XXXX in the account, all via XXXX in the following dates : XX/XX/XXXX, XXXX transferred from my XXXX XXXX XXXXXXXX checking account XX/XX/XXXX, XXXX transferred from XXXX XX/XX/XXXX, XXXX transferred from XXXX XX/XX/XXXX, XXXX transferred from XXXX XX/XX/XXXX, XXXX transferred from XXXX XX/XX/XXXX, XXXX transferred from XXXX A letter from Citibank dated XX/XX/XXXX, that the account is restricted from all activities and will be closed within 60 days. We tried to call and find out whats this about, was told fund was transferred from an account I do not own, which is not true. I offered to provide proof where I do own the accounts funds were transferred from, was told I can stop by a branch to submit that. We live in XXXX, the closest Citibank is close to XXXX miles away. we did later reach out to a branch in XXXX, offered to submit proof there when my wife would be there for a business trip, was told they do not take these documents and when the back office closes an account, there is no need to submit anything In short, we tried to call, requested supervisor callback multiple times, no call back, emailed a branch representative, was told issue was escalated, the account balance is XXXX, but no info on where our XXXX is or whats their plan returning it. Can we please get some help?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MT
Zip: 590XX
Submitted Via: Web
Date Sent: 2022-12-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A