Date Received: 2022-12-14
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: XX/XX/2022 I received an email stating I had an online transaction of {$230.00} on my Citi XXXX XXXX from XXXX. I called them right away and disputed the charge. They sent me a form to fill out and send back, which I did, and figured it would all resolved. XXXX XXXX I received a bill from XXXX for {$2700.00} for the unpaid phones. I had been ignoring mail from XXXX since I thought the credit card company had handled the unauthorized transaction and it wasn't valid. XX/XX/2022 I received a notice from a debt collection service for {$2800.00} for the unpaid bill from XXXX XXXX XX/XX/2022 I called Citi about the situation and they did nothing about the disputed charge. XXXX, billing specialist, found the letter I returned to them and sent it to the company XXXX. I am waiting to hear back from them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 330XX
Submitted Via: Web
Date Sent: 2022-12-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-14
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 credit card was lost/ stolen and i have already contacted the bank about this issue and i only got a call i was told it would take 3-5 business days to get my money back but its more than that now and i haven't gotten anything yet from any them. I'm i supposed to pay for what i did not use because i do not understand. I have already changed my card and all but nothing is getting done about me getting my money back. Its about {$40000.00} and i haven't gotten a good feedback from them yet. It's really frustrating. I have been a customer with them since 2014 and this is so strange. I need assistance urgently. I'm not going to pay for what i did not use. I want to get my credits back and all this thing sorted out as soon as possible
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: 2022-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-14
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/2022 I was a victim of fraud and identity theft. Someone by the name of XXXX XXXX hacked into my XXXX XXXX and Citibank checking accounts and illegally transferred money via XXXX, to her bank account with XXXX Bank. XXXX XXXX is not someone I know personally, but apparently, she set up a XXXX customer account with her bank ( XXXX Bank ) using my email address ( XXXX ) and sent {$1800.00} from my Citibank Checking account to her XXXX Bank. I do not know, nor have I ever sent money to XXXX XXXX. I was able to successfully dispute the fraudulent transactions with XXXX XXXX, but Citibank keeps denying my claim and states " ... {$1800.00} were sent in accordance with your instructions ''. I have been fighting this transaction since it happened. I did not authorize XXXX XXXX to access my account, I did not authorize her to use my email address to set up a XXXX account with XXXX Bank, I am not a XXXX Bank customer and I did not send this money to this person at all. I have disputed this transaction twice with Citibank. The most recent dispute ( Claim # XXXX ) was denied and I was advised no fraud took place. I've sent in a copy of a police report showing someone accessed my account, a copy of my fraud report with the credit bureaus, proof from XXXX Bank that XXXX XXXX ( their customer ) set up a XXXX account using my personal email address, proof that my passwords were comprised from a report, and the letter Citibank sent its consumers showing they are aware of XXXX scams that are taking place. Citibank is refusing to reimburse me for this fraudulent claim and is violating my rights as a consumer. Per XXXX 's legal website " XXXX transactions are covered by the EFTA and Regulation E ''. This transaction falls under EFTA and Regulation E and Citibank is violating my rights as a consumer by not reimbursing me for an unauthorized EFT. I followed the XXXX-day rule and reported the fraud the same day this took place, on XX/XX/2022. I called Citibank on XX/XX/2022, after my claim with Citibank was denied again, and spoke to a Supervisor named XXXX in Client Relations ( Claim ID XXXX ) and was advised they aren't required to reimburse for fraudulent transactions that were conducted using XXXX. According to the EFTA and Regulation E that is not legally true. The Supervisor also suggested I ask the person that scammed me, XXXX XXXX, to reimburse me for the funds. How degrading and unlikely. I am the victim, but should ask the person that conducted the fraud to reimburse me? How, when they used my email address to set up a fake account? As of today, Citibank has closed my account due to it being overdrawn. Citibank initially provided me with a credit for the {$1800.00} and then reversed the credit after they denied my claim, which put my account in the negative, and now they have closed the account. According to the letter they sent to me as well, they will be sending this to a collection agency - even though the reason my account is overdrawn was due to negligence on their part and violating my consumer rights. I filed a complaint with CFPB, and Citibank responded in XX/XX/2022 and their last message was that they will no longer be responding to my request. XXXX Bank setn me a letter advising they are willing to reimburse, but now Citibank is not responding to any emails as of XX/XX/2022. I have received a letter from XXXX Bank advising they are willing to reimburse if they receive a letter of indemnification from citibank. XXXX Bank is aware I do not have an account with them, and did not create any accounts with them. Citibank needs to provide me with a letter of indemnification so XXXX Bank can reimburse the funds. As stated previously I did not authorize the transaction and do not know the person. Citibank has issued statements and newsletters to its clients about the XXXX scam circulating, so they are aware and refusing to reimburse me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22304
Submitted Via: Web
Date Sent: 2022-12-14
Company Response to Consumer: Closed with explanation
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: Two purchases were made on my card after I lost this card along with my wallet including my drivers license, social security number, two XXXX credit cards. I notified this company within 48 hours that my card was stolen and these purchases were not me. One was for {$6000.00} and the other {$2000.00}. I had to close my bank account because of the fraud. I have told this bank multiple times I was not involved in these purchases. It is now affecting my credit score.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92883
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: 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: In XX/XX/XXXX, I received notification from Citi that my payment was past due. I was under the impression I had a {$0.00} balance, so looked at my account online. At that time I found my card had approximately {$14000.00} in unauthorized/unknown purchases from XXXXXXXX XXXXXXXX XXXX Upon further investigation of my own, it turns out that someone not only had access to my account, but was making monthly payments on the account. During this time, I never received statements from Citi either by mail or email. I immediately reported this to Citi. Citi mailed me some statements, but did not give me further guidance on how to proceed with the investigation into this case. On XX/XX/XXXX, I received notification from Citi that they were investigating the case and that I did not have to make payments on the account during the time of investigation ( pdf attached ). That was the last communication I received from them. On XX/XX/XXXX, I received an email from Citi notifying me that my account was past due. I called the company to ask why I received that email and they said they closed to case and credited my account {$1000.00}. I reiterated that the dispute was from XXXX XXXX XXXX and that it was more than {$1000.00}. The representative seemed confused and requested that I send Citi an email to include each statement and which purchases on each statement were fraudulent. I looked through the statements Citi had mailed to me previously and only had access to XXXX statements in that time frame ( XXXX XXXX ). I sent an email to the address provided to me ( XXXX ) with those statements and a brief description of case ( XX/XX/XXXX ). I never received correspondence in return. I logged into my account to print the other statements and realized I did not have access to them. I had to request the statements electronically. In the meantime, I called Citi and was reassured that my previous email had been received. When the other statements became available, I sent another email to the same address ( XXXX ) with the rest of the statements from XXXX XXXX XXXX ( XX/XX/XXXX ) and have not received correspondence. A screenshot of both emails are attached. Since that second email stating my account is past due on XX/XX/XXXX, I have been bombarded with emails, phone calls and text messages requesting payment. However, since that time I have talked with no less than XXXX representatives of the company is " customer service '', " fraud '', " security '' and " collections '' and have been told by all of them that I am not required to make a payment at this time. Yet, I receive some sort of notification daily that I am past due. I am terrified to see how this might be affecting my otherwise good credit score. Since XXXX, I have received no correspondence from Citi regarding the status of my account and fraud claim. Yet have received constant notifications requesting payment when Citi sent me notice that I was not required to submit payment and had multiple representatives reassure me of this. Also, of note, throughout this process I had asked not less than XXXX times to please change my password associated with the account. Every time I call Citi, the password remains the old password and has yet to be changed per my multiple requests to do so.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 19711
Submitted Via: Web
Date Sent: 2022-12-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-15
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act, my rights have been violated. 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 an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as ate for any purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 656XX
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: 2022-12-14
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 only used my credit card once by best buy citibank and it was a XXXX balance until they allowed XXXX to rack up charges of XXXX i disputed the charges and they took them off then they sent me a new card and then they allowed XXXX to make more charges to my account when i said that they were fraudulent the first time the bank refused to let me close the account bc they said there was a investigation and second my credit card limit was XXXX i dont understand how they allowed them to charge more than my limit i was never notified of someone making these charges i cant see how they can make me liable for charges i did not make
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 18702
Submitted Via: Web
Date Sent: 2022-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-13
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX I found an online job listing for a data entry clerk for XXXX XXXX XXXX XXXX based out of XXXX, Kansas. I found the job listing on XXXX website and thought she was applying for a work from home data entry position. After I completed the job application, I received a response from the hiring manager, about being interviewed. The hiring manager via text message asked if I would be willing to interview through a web application service called XXXX XXXX is an online form builder that makes it easy to create robust forms and electronic documents. I agreed to an interview, and I received a hyperlink to the XXXX website. I clicked on the hyperlink and was routed to an online questionnaire. After completing the questionnaire, the hiring manager told me she would be in touch with me in the next few days. XX/XX/XXXX I received a text message from the hiring manager with a job offer. I accepted the position and I started the following day. XX/XX/XXXX The hiring manager messaged me about needing special equipment to do my job. The hiring manager told me she would send me a scanned check as soon as possible. I received an e-mail with a copy of a check for XXXX to cover the equipment. XX/XX/XXXX The hiring manager told me to send {$500.00} via XXXX to what I believed was a partner company for the equipment. Then I was told to send {$580.00} via XXXX XXXX. XX/XX/XXXX I was told to send {$320.00} to another associate via XXXX for equipment. After paying the amounts, the hiring manager told me to expect packages in the next few days with the equipment and supplies I would need for the job. XX/XX/XXXX I was notified by my bank Citibank via e-mail that the check I deposited a few days earlier bounced in my XXXX account due to insufficient funds. Citibank charged me a non-sufficient funds fee. After following up with Citibank I learned it was the scanned check I received from the hiring manager. I tried to follow up with the hiring manager but received no response. I then contacted XXXX XXXX XXXX XXXX XXXX department and explained to the HR representative the check they sent to me had bounced. The company told me they had been dealing with these fraudulent job postings and had received numerous calls about the same job posting. Then I called XXXX XXXX XXXX and spoke to the company 's owner about the check having bounced from non-sufficient funds. The owner told me I needed to contact my bank to try to get my money back. I contacted Citibank and opened a claim with their fraud department. Citibank told me that they would not pay me back for the missing funds unless I acquired a police report. XX/XX/XXXX I received a full copy of the police report. I contacted Citibank and they did not accept my claim or pay my missing funds although I acquired a police report. I filed at least 8 claims for the {$500.00} & {$320.00} via XXXX and the {$580.00} via XXXX XXXX from XXXX I have filed XXXX claims to Citibank to have my missing funds returned to my account. My claims have been denied. I have had the displeasure of dealing with this injustice, Citibank representatives have not been pleasurable to work with while filling and having my claims denied. I had to speak to a supervisor about the last claim I filed because the representative was so rude and insensitive to my scam situation. After this interaction with a supervisor, I was told on the phone that my claims would be sent to a specialist department to get the claim handled. The claim was still denied. During the process of dealing with these scam charges to my Savings account, my account has been closed by Citibank due to insufficient funds. Citibank has not shown me the customer service deserved of a customer who was a victim of a scam and provided the documentation, time, and patience to multiple claim denials as a result of a criminal scam.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94801
Submitted Via: Web
Date Sent: 2022-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-13
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I had one checking and two savings accounts at Citibank. On XX/XX/XXXX someone walked into Citi branches in XXXX XXXX I live in XXXX ) and deposited fraudulent checks into my account and made fraudulent withdrawals. Citi alerted me and I blocked and closed my accounts and opened new opens. I also went to the branch and told them which deposits and withdrawals were fraud. Two months later, after visiting the branch for the fourth time and spending at least 7-8 hours there, as well as having to call Citi and spend at least 6 hours on the phone with them, they still just started investigating. In the meantime, XXXX is calling pretending to be Citi asking me for personal information and no one is doing anything to shut them down, they arent part of Citi. Citi is a complete mess and not helping me sort out the fraud and there is ongoing fraud with this number calling me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33143
Submitted Via: Web
Date Sent: 2022-12-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-13
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Submit payment using method ive always used. Then next day get an email saying payment was not able to process and returned with a XXXX dollar fee. I tried contacting both my bank and Citi XXXX and they keep placing the blame on eachother and I get nowhere. I'm afraid this will drag on and my credit will get dinged for it. Citi customer service has been no help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 54952
Submitted Via: Web
Date Sent: 2022-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A