Date Received: 2022-12-12
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: On XX/XX/22 I received an alert from XXXX that a new Wayfair/Citybank credit card was opened in my name. I immediately called all 3 credit bureaus to report that I did not open a new account, I also put a freeze on my credit reports, called Wayfair/citybank and reported this account as fraudulent and asked that they close the account. They informed me that they would investigate the claim and let me know their findings. I received a letter today stating the following : The information reviewed as part of the investigation does not support your claim that this account was fraudulently opened using personal information : The letter also states that I will be responsible for any charges relating to the account. I will be going to the local police station to file a report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63141
Submitted Via: Web
Date Sent: 2022-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-13
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Account name Citi XXXX/CBNA Account number XXXX XX/XX/2016 was closed Address XXXX XXXX XXXX XXXX XXXX, SD XXXX Phone number XXXX I never had and account with them
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11413
Submitted Via: Web
Date Sent: 2022-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-13
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: In XXXX of 2020 I bought a TV from Best Buy with my Best Buy credit card. XXXX was {$2000.00} on 24 months interest free promotion. I set up a {$100.00} auto draft to pay it off in time to not pay any interest. During the 24 months. I put a random purchase on the card, and turns out Citi Bank 's terms & conditions state that the auto-draft payment goes to the higher interest balance first. So it paid off those random purchases first. $ XXXX random purchase I wouldn't have done had I known this would happen. This caused me to miss the 24 month payoff and accrue interest for the entire purchase. I was under the impression my auto-payment was going to the main {$2000.00} balance first, not the smallest balance. This has caused me to have a {$2200.00} balance, over 2 YEARS after paying {$2400.00} to this balance. I called Citi Bank and they just told me there's nothing they can do. Best Buy said call Citi Bank they can't do anything either. A {$2000.00} balance right before XXXX because Citi 's terrible policy they have in place to purposely catch people up and force them to pay interest. It's a clever rule that other banks don't have, I work at a bank and have for a decade. I'm going to speak to my attorney and see what legal options I have, but wanted to reach out to the CFPB for help. I've had success before with you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37931
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: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On my credit report there is a late payment in XXXX of XXXX and XXXX of XXXX showing as 30 days late, that payment was not 30days late and this needs to be removed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63139
Submitted Via: Web
Date Sent: 2022-12-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-13
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I am a person who has financial services with CitiBank, 2 checking accounts, 2 savings accounts and 1 credit card, for more than 2 years. On XX/XX/2022, I received a check from Citibank Bank for {$6000.00} dollars, which I deposited in a Citibank ATM on XX/XX/2022 in my savings account. On XX/XX/XXXX, when I enter the Bank 's Application to make the usual regular payments, I see that all my accounts have been blocked and I do not understand the reason, I immediately contact the Bank 's customer service to find out what happened, they send me to a call with the Department of Fraud and Deposits, who confirm that my accounts have been blocked and are going to be closed for the Deposit of a {$6000.00} check is the only explanation I receive, and I still don't understand what the problem is with this check I spoke with the issuer of the check, who calls Citibank Bank and they tell him that there is no charge in his account for any check for that amount, the next day the issuer of the check and I went to Citibank Bank to find out what is happening and that they give us a solution to the problem. They review my information and indeed the notes they find is that my accounts are blocked by that check, they ask the check issuer for the information and they see his active account without any charge, they ask him for the information on the check drawn, he shows his checkbook who wrote the check, the person who attended us confirms that this checkbook corresponds to a closed account, he explains that he had 2 accounts and that he closed one because he did not need it, that he kept the 2 checkbooks and that at the time of writing the check he used the wrong checkbook and made a mistake, the person from the bank once contacted the Department of Fraud and Deposits to report what happened, I talk to them and give them the same explanation and ask them if they want to talk to the issuer of the check and they do not accept to speak with him, they tell me that the accounts will definitely be closed to wait for a notification in 10 days, the reason for the non-payment of the check is already known. I deposited it in one of my accounts savings, I understand and am willing to have them investigate and present the necessary evidence that it is not a fraud and that I have never made an illegal movement, it is your obligation to contact the issuer of the check to hear their version and confirm what happened. It is a decision of total abuse Block the other accounts and not allow me to have our money to pay the obligations where my husband and I have received Direct deposit of the payment of our work and we make automatic payments of the cars, credit cards, Rent, Electricity, Gas. to date all payments have been rejected, I feel that my rights are being violated, affecting my credit history and causing extra payments for not paying all my bills and rent on time. I attach the information of the check and the receipt of the deposit where a copy of the check appears on the day and the hour.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11379
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 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 closed citi account and locked my citi credit card and told the bank about being a victim of identity theft. The theft changed my contact info, including address, email, and phone number. So I did not recieve any notices when a check transfer was made in XX/XX/2022. I first called Citibank from XX/XX/2022 to dispute the credit card charges as soon as I found out. They told me they will open a case for it regarding this fraud check transfer on my credit card. I DID NOT MAKE THIS TRANSFER OF {$2200.00}. I've never used a check transfer before in my credit card history. I called Citibank 3 times in XXXX to get updates on the open dispute. They said to wait a little longer, and that turned into month after month. Then, I called in XX/XX/XXXX and got the same response, to just wait patiently. I was growing more anxious and stressed as more time passed and interests/late fees continue to add up on the credit card. They told me they could not closed my account with an open balance. My credit score were being affected from the missed payment while the investigation was going on. When I called back in XXXX, Citibank said they will open a case on the fraud check transfer because the past dispute was not found??? I never received a letter about the start of a investigation until XXXX. They finally closed my credit card account during the investigation with an open balance. After waiting another month, the investigation has closed NOT IN MY FAVOR. They did not reach out to me for any additional information during the investigation, contrary to the letter. Attached is the letters I received from Citibank and screenshot of my call records.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11223
Submitted Via: Web
Date Sent: 2022-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-11
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened checking account with Citi based on their promotional offer. I moved $ XXXX into the account back on XXXX 2022 and kept money in the account through now start of XX/XX/2022. The last interaction with Citi was via their internal website chat where I was told I'd expect my promotion bonus ( {$300.00} ) by end of XXXX. I am still waiting. This is the XXXX time Citi has refused to pay out a checking account bonus to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95128
Submitted Via: Web
Date Sent: 2022-12-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-11
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I just received a copy of my consumer credit report and have found XXXX XXXX XXXX reporting on my consumer report for an amount of XXXX. I do not have a contract with XXXX XXXX XXXX, this is identity theft. I have never received communications from this company nor consented to any transaction or contracts with XXXX XXXX XXXX. This account needs to be immediately zeroed out and deleted from my consumer reports. XXXX XXXX XXXX has to stop immediately reporting to all consumer reporting agencies. This is identity theft! This is a violation of my consumer rights and willful and knowingly intent. If XXXX XXXX XXXX does not cease collections attempts and zeroes out the balance XXXX XXXX XXXX will be charged XXXX for damages
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33135
Submitted Via: Web
Date Sent: 2022-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-11
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 sent a billing dispute notice to CitiBank on XX/XX/2022. They received this notice via usps tracking and sent a stamped return receipt back on XXXX, XXXX, 2022. This notice stated that the entire balance at that time of {$9100.00} was in dispute. Citibank had 30 days to send a written notice saying they received this dispute. They failed to do so. Citibank also failed to send in any documentary evidence of indebtedness which is required by federal law to prove the account to be valid. As stated in 12 C.F.R. 1026.13 ( d ), the rules pending resolution of the billing dispute are as follows : 1 ) Collection action prohibited, 2 ) Adverse credit reporting prohibited, and 3 ) Acceleration of debt and restriction of account prohibited. Citibank has violated multiple of these listed, including reporting adverse events to the credit reporting agencies and accelerating the indebtedness of the account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: 660XX
Submitted Via: Web
Date Sent: 2022-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-11
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: Fraud account on my credit repair parts need to be removed
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02302
Submitted Via: Web
Date Sent: 2023-01-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A