Date Received: 2022-12-16
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: on XX/XX/XXXX I deposited a check with the amount of XXXX XXXX later that night when I logged in to my account I saw that my checking and savings aren't showing up and I was thinking there is a glitch .so then I waited until the morning and still the amount didn't show up. I call customer service and then they advised me there is a block on my account due to invalid check that I deposited on the amount of XXXX $ and there is nothing she can do. I then called again on the XXXX and asking the rep again what is going on. and all this was after I called my friend who wrote me the check I asked my friend to contact the bank to make sure the check is okay. my friend called the bank and the bank told her the check is valid and asked citi to contact the bank to verify. I called Citibank again and asked the rep to called XXXX XXXX XXXX to verify the check. the citi rep called and come back on the phone and told me the check is verified. the citi rep told me he is going to put a note for the back offie to reverence my account closure and removed the block. a day later I called again and still my account is blocked with no access to my money. they every single rep telling me that my relationship with citi is over and they are no longer servicing me. I have a screenshot of the check on the amount of XXXX $ has been cashed out from my friend account. so how can they do that to me and not giving me access to my account when the check is actually cleared by the other institution also every time I called I've been treated like a criminal. I am way beyond frustrated, I've been calling several times asking for a supervisor and no one called me. please help me
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 20105
Submitted Via: Web
Date Sent: 2022-12-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-16
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I opened a secured credit card account with CITIBANK, N.A., on XX/XX/XXXX for {$200.00}, which was debited from my person checking account. It was exactly 8 weeks before I received my card after making my initial deposit to them in XXXX, XXXX. The first red flag. I always paid my balance off before the due date and always paid over my minimum payment due. I would usually pay off the entire balance owed. However, after 8 months of nothing but problem after problem, with using the credit card that was issued to me, spending more time on the phone with them ( than I spent on myself ), always having to calls for discrepancies in my balances, amounts credited to my account, just always some errors or issues and got to be too mentally drained. I only got the card to build my credit. And the fact that I sent all my payments thru XXXX XXXX, electronic bill pay, which the creditor receives payment in minutes, not weeks! The recorded ordeal you need to go through to speak to a human was a 45 minute wait, on any given day or night and the fact that Citibank would not credit my account for 10-15 days after receiving my payment. After the third card they sent would not work, as the previous two, I was told to " try ordering online ''. That was their answer on how to resolve the issue that none of their cards worked at any store, ATM, etc. 3 cards, within 6 months. Not one single ATM. That day, I told the girl, who had such a heavy accent I could not understand what she was saying but did understand that she kept telling me it was the 120 credit card machines I had tried to use the card at, that were defective, not their cards. I decided to close the account, that day. I phoned the customer service on XX/XX/XXXX and inquired about a {$100.00} payment I submitted on XX/XX/XXXX, that was not credited yet to my account. After being told that my Agreement stated that credits could take up to 10-15 business days to credit to my account, I told the representative to close my account and send me back my money. She stated that : 1 ) I had to have a XXXX balance in order to close my account. Since my Payment had not been credited, I told her I would call her back when it was added to my account. Upon receiving XXXX 's statement, my balance I owed was {$100.00} and was not due until XX/XX/XXXX. I submitted the payment on XX/XX/XXXX for {$100.00}. On XX/XX/XXXX, I checked my balance and it now showed I owed {$130.00} and no sign of the {$100.00} payment I made on XX/XX/XXXX. They had charged me {$29.00} late fee and where the {$2.00} came from, who knows? This was a normal statement I received from them each month. I called and argued about the {$29.00} late fee because the minimum payment due was {$35.00} and was due on XX/XX/XXXX. I sent payment on XX/XX/XXXX, by electronic check but conveniently was not credited until XX/XX/XXXX. Therefore they could charge me {$29.00} late fee. Again, I called customer service and a phone message read they would be closed until XX/XX/XXXX. I then went to the XXXX XXXX and sent a detailed message ( via email ) regarding the above and indicated, again, that once my payment of {$100.00} is credited, to " close my account ''. On XX/XX/XXXX, I phoned Citibank, yet again inquiring about different balance amount and where was my {$100.00} payment at. I was told that, " the payment I made in the amount of {$100.00}, was being held due to a checking account that I had linked to my credit card account was overdrawn. I about flipped out. I explained to him that there were NO checking accounts linked to that credit card and that there must be some mistake because I never opened a checking account nor funded any checking about affiliated with Citibank, ever! I then asked to speak to his supervisor. This was the rudest, unprofessional, person I ever spoke with. He literally was screaming at me telling me that the payment I made for {$100.00} will not be released until I bring the checking account balance to XXXX. I told him I would do no such thing because I never opened the account. He said " then your account will never be credited '' and slammed the phone down and hung up on me. I called back and told a different gentleman to credit my account with my last payment I made, close my account and return my initial money to me that I was done and horrified at what had just occurred. I immediately followed it up with another email stating what occurred and to close my account, return my deposit and I was done with their company. I then received an email the following day for a checking account they said I opened. The account was overdrawn because there was no money ever deposited into the account and they charged me a {$15.00} monthly service fee and since there was never any money funded into this alleged checking account, they then charged me a {$34.00} fee for not having the {$15.00} service fee in the account, which indicated I now owed {$49.00} for an account I never opened, signed for, never received any documentation for and never funded. I again called the following day, XX/XX/XXXX, when I filed a Complaint with the CFPB for not crediting my payment. That was the top of the iceberg. I never received another thing from Citibank, no email, no paper mail until XXXX, XXXX. I received a XXXX Notice from XXXX XXXX indicating I now owed Citibank {$260.00}? Again, I called Citibank and after a 136 minute phone call, I was told that it was sent in error and that I should be expecting my deposit within 4 weeks. I contacted a different branch about the alleged checking account and was told the account would be closed, I would not be charged and she would close my credit card account and refund my {$200.00} and should receive the deposit in 4-8 weeks. This was XX/XX/XXXX. After being assured this " collection was in error '', I again waited for my deposit. On XX/XX/XXXX, I called XXXX XXXX about switching auto insurance. The gentlemen quoted me an unusually high quote. I then asked him why was it so high, he replied because of my poor credit ( FICO ) score. After hanging up, I checked my credit score and I went from a 702 credit score to a 423. Citibank had recorded my credit card as non payment for 6 months, was a " charge off '' and was closed due to non-compliance and non payment! How can they destroy an innocent person 's credit for falsely making such untruth statements. I closed that account and have several emails to Citibank proving they received it. The {$100.00} payment I made on XX/XX/XXXX, was NEVER credited to my account. They took the {$130.00} they said I owed and continued to keep my account opened and charged me {$49.00} each month for " late fees '' which gave me a total of {$260.00}. Why they stopped there and aren't still charging me, who knows. Also, I checked with XXXX and the " charge off '' was made by Citibank a week after I filed my complaint with your offices. The letter that they responded and you enclosed for my review, was nothing but lies. They did not honor what they agreed to do to resolve this matter but instead, stole my payment of {$100.00}, did not close my account as requested 3 times, the last time on XX/XX/XXXX and also intentionally kept the account opened to run up the fees to where I owed them money. The letter, which by the way I never received but had to get a copy from the CFPB, from Citibank reflected that my ending balance was {$230.00} with a minimum payment due of {$100.00}, which they state was credited to my balance. That is a complete false statement. They indicate they received the payment, however, there are no statements from XXXX through XXXX that indicates that payment was credited. In fact, I have enclosed copies which I received from Citibank of my XXXX 's I XXXX statement, my XX/XX/XXXX statement which indicates I owed {$130.00}, not crediting my {$100.00}. When and what date was the {$100.00} payment credited to my account? They didn't have any record of it and I was told it was being held to cover the overdrawn " phony '' checking account I never opened or funded or authorized. Citibank also advised that the " checking account '' that was mysteriously opened by a ghost, would be addressed under a separate cover. I never heard or received any additional correspondence from Citibank after last receiving my XXXX statement. As I said, I never knew it was sent to collections nor did I have any knowledge that Citibank scorned my credit by keeping my account opened after 3 emails and numerous calls I made prior to XX/XX/XXXX to CLOSE MY ACCOUNT but refused to do so and kept charging me. I have statements where in XXXX I still owed {$130.00}, no credit of the {$100.00}. XXXX, no statements were found, XXXX statement they said I owed {$320.00} and minimum payment of {$290.00} was due. Then the statement the collection agency sent me indicated I now owed {$260.00} and {$260.00} was due. Where in the world do they come up with these amounts. And who does their billing? Every month it was like that. A jigsaw puzzle that you had to take out all the pieces and put them all together and every month, their amounts were " over '' charging me and used the " oh, your payment wasn't credited to your account '', which explains their tactic for holding onto a payment for 2 weeks, just to mess up the billing to overcharge and intentionally device the consumer, " me ''. I will try to upload all the copies because I have copies of every email, logged down every phone call and have even ordered my call logs from my mobile service provider for the months of XX/XX/XXXX through XX/XX/XXXX, which indicate the hours upon hours I was on the phone with this company. My emails however, are my hard proof. There was no reason why they did not honor my written request to close my account and was no reason, except malicious intent, to leave it open to accrue bogus charges. My account was paid in full and had a XXXX balance. Not to mention the identity theft and/or criminal acts to open a fictitious checking account then place fees on it, all to hold a payment I made? There is not one thing that was legal, ethical or morally right in the way that they handled my account and makes me weary of what information they have and if they can damage my credit score in a drop of a hat, I hate to think what else these people are capable of. I have filed complaints with the proper credit bureaus and filed an identity theft report with the XXXX XXXX XXXX Attorney 's office in reference to this checking account I never opened. Needless to say, I have NEVER received my {$200.00} and now I am not only going to file a Complaint with every Federal Agency, but will retain an attorney and sue them for damages they have done to my credit report, along with the money they owe me and other punitive damages that I am more than entitled to. In my opinion, this company is corrupt at the highest level and should be banned from being able to harm and damage anybody 's credit score. They destroyed my credit score so badly, I couldn't get a {$.00} loan for a stick of gum and it was done with malicious intent to where they could destroy my credit and not have to pay me what they owe me which is the highest level of fraud, deceit, corrupt, unethical and unprofessional business practices and should be shut down for good. I have never in my life dealt with such corrupt practices. I already filed a false reporting against Citibank with every Credit Agency, XXXX, XXXX, etc., But have not heard anything back as of the date of this filing of this " new '' complaint.
Company Response:
State: OR
Zip: 975XX
Submitted Via: Web
Date Sent: 2022-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-16
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have contacted Citibank several times over the past year to change my due date from 15th to the 30th. I requested this over the phone, through chat and also they mailed us a form to complete to request the change which was completed and returned. Every time i contact them since this time they advise the system is down and they can not help. In the meantime due to financial matters i can not make the payment on the 15th and they are now charging me late fees each month even though they are fully aware that a simple due date change would put me current and avoid the fees. The resolution was to put me into a payment plan for a payment on the 15th which DOES NOT help me. The late fees and charges keep accumulating in the meantime. I just want my date changed to the 30th and to have the late fees reversed due to this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48346
Submitted Via: Web
Date Sent: 2022-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-16
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: Upon checkout at macys online I was prompted to apply for a store card to save a percentage and earn points towards future purchases. I applied at checkout and was approved for the macys store card. I then returned to checkout to find the card had not been added. I called the customer service and the outsourced agent did not speak or understand XXXX well enough to understand my problem. She then said I could just tell her what I wanted to buy and she'd place the order. I was so confused by this so I went to macys and when they called on my behalf they coul not resolve the issue either or explain why I would be prompted to apply to save on my order then not be given the savings or the card added to my account. Macys customer service could not add the card my my account either. I never received the promotional points or percentage of my order and was unable to charge the items and paid another way. Predatory way to get people to apply.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 983XX
Submitted Via: Web
Date Sent: 2022-12-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-16
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: There is a credit card on my credit sesame account saying it is thru CITI and I don't have a credit card at all and never have when I called them about it they told me said there is no credit card in my name or with my social security number but it is on my credit and has been for years. It was paid off then I got a update that a new authorized uses was added and a new amount was set and now it is back on my report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-15
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I have reach out to all three credit bureau, also to Macys as well to dispute inaccuracies on my XXXX card with Macys. The account is closed, upon checking I see that this company has pulled my credit report on several occasions without my permission. The inccuracies of information has destoryed my credit tremendously. I'm requesting that this closed account be remove from my credit report immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77338
Submitted Via: Web
Date Sent: 2023-01-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-15
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: My Home Depot Credit Card number got stolen when i called a home depot costumer service number ( XXXX ) and i was ask for my card number during the call for status on a shipment on a appliance order i had made on XX/XX/XXXX. I reported the card number stolen as soon that i received an text alert 2 day later to my cell phone saying that a charge of {$1200.00} was charge to my card from a XXXX store when i live in XXXX XXXX. I immediately call them and they said that they will close my account, credit or refund the charge back to my account and replace my card. They replace the card but the charge still shows in my account. 5 days later a call their Fraud department and they told me that the investigation has not been file ; so once again i had to tell them what happened ( again ). they told me that i will have to wait. All I want is for the fraudulent charge of {$1200.00} that i didn't authorize or made to be credit it back to my account. I don't have to wait for their mistakes or security problems. Its pretty obvious that they have some security issues and internal problems when it comes to consumer information security. I just want for this to be resolve. Thank you, XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PR
Zip: 00969
Submitted Via: Web
Date Sent: 2022-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-15
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: In accordance with the fair credit Reporting act XXXX 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 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 purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07083
Submitted Via: Web
Date Sent: 2022-12-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This notice is my, required by law, demand to " cease and desist '' collection activities prior to validation of purported debt and you must validate the enclosed claim of an alleged debt. You must provide verification that an actual debt really exists by producing the following : The name and address of the organization or other governmental unit alleging a debt ; The name and address of the person or persons in that organization or other governmental unit alleging a claim of a debt ; The name of the actual creditor even if that is myself ; The origin of the funds used to create this alleged claim of a debt The actual records of the organization or other government unit showing the time and place of the deposit and distribution of the funds used to create this alleged claim of debt. The actual records of the organization or other governmental unit showing that an actual loan was made from the organization or other governmental unit 's own funds that resulted in the enclosed alleged claim of a debt. The actual records of the organization or other governmental unit with a live signature on any and all document/instrument ( XXXX ) used to allege the existence of a real loan of funds or debt from the organization or other governmental unit to myself or anyone else by a similar name. Be advised that verification is defined ( XXXX 's XXXX XXXX, XXXX XXXX ) as follows : " Confirmation of correctness, truth, or authenticity. by affidavit, oath or deposition ''. Affidavit of truth of matter stated and object of verification is to assure good faith in averments or statements of party. The actual records of the organization or other governmental unit showing that an honest disclosure of facts relating to the alleged loan was made by the organization or other governmental unit in compliance with the truth in lending laws of the United States Code, Title 15 1601 et. seq. and Regulation Z. The actual records of the organization or other governmental unit showing that any and all document/instrument ( s ) containing my signature or the likeness of my signature were not negotiated or pledged by the organization or other governmental unit against my credit to create the funds used for the appearance of a debt and resulting in this alleged claim of debt. The person that prepares and swears to the validation of debt must describe : 1 ) your job description on a daily basis ; 2 ) if you are the regular keeper of those books and records and are familiar with how they are kept and their contents ; 3 ) how long have you been in your position ; 4 ) when did you first come in contact with the alleged account/debt ; 5 ) how frequently do you work with the files and information they are presenting to verify/validate the alleged debt ; 6 ) are you the person/employee who regularly works with the. alleged account/debt ; and 7 ) do you have personal knowledge about the alleged debt and/or any alleged account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30096
Submitted Via: Web
Date Sent: 2022-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-15
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I opened a checking account with Citibank and the day my deposits were going to be available they say they are closing my account. Ive deposited XXXX dollars in checking and savings account now they wont even tell me why its being closed. That Money was for my son who is XXXX and its 10 days before XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 740XX
Submitted Via: Web
Date Sent: 2022-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A