Date Received: 2022-12-06
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: CityBank has issue account ending in XXXX for credit card and and multiple accounts using my information, I don't have access to these accounts no even banks statements, automatic payments continue to be issue to this credit card from other bank institutions and I still don't have access or get bank statements. Since XX/XX/2022 I have been visiting many locations, calling to ask about these accounts and they always hang up on me not giving me telling me that they can't not even bank main address or their representative ID. it has been months since I have reported the issue to CityBank and not resolution, they also closed another account where all funds and statements even bank account number went missing 8 months ago.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33444
Submitted Via: Web
Date Sent: 2022-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-06
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: This account citi bank/ brand source has been settled and payed off with XXXX XXXX XXXX. They are still are reporting a balanced owed
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98032
Submitted Via: Web
Date Sent: 2022-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-06
Issue: Managing an account
Subissue: Problem with fees or penalties
Consumer Complaint: I am missing money CD 's XXXX, XXXX, XXXX, total {$75000.00} then I am missing that check see attachment for {$50000.00} Citi Bank cashed my check XXXX. The Citi Bank has my money in they do not want to tell me. See attachment last bottom page What would be a fair resolution to this issue? Please get my money back
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91739
Submitted Via: Web
Date Sent: 2022-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with fair credit Reporting act XXXX Account ending in # 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 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 late for purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75067
Submitted Via: Web
Date Sent: 2022-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-06
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: On XX/XX/2022 I made a purchase at the Best Buy location in XXXX, XXXX. The store address is XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ). I walked in, asked to purchase a pair of XXXX XXXX XXXX XXXX XXXX. The female associate asked for my phone number and I gave it to her. She then confirmed my name and told me the total. I inserted my bank issued credit card and left the store. Afterward, I received an email from XXXX XXXX saying there was a hard inquiry from Best Buy and their issuer, Citibank XXXX. I noticed the inquiry in my dashboard, and also saw that my score for XXXX had dropped XXXX points. First, BestBuy was contacted and instead of being helped, the call was left on hold for 30-40 minutes. I proceeded by calling CitiBank, and they said I have to contact the Best Buy Credit Card number. I then contacted the number they gave me and requested for them to contact the bureaus to say that it was fraudulent. I was then told to contact the bureaus directly, and was given their phone numbers. I proceeded to contact XXXX, and was unable to get in touch with anyone and their automated system does not allow reports of disputes. I also tried to go online to report and was told that I am unable to do so online after creating an account. I am trying to resolve this but I am being given the run around for something that should have never happened - I was never asked at any point if I was interested in applying for a card, I was never told I was denied, and I'm appalled that one of the biggest electronics retailers is allowing their associates to conduct fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11215
Submitted Via: Web
Date Sent: 2022-12-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-06
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Inquiries were fraudulently placed on the account. Accounts removed but inquiries still remain. Inquiries need to be removed. XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60406
Submitted Via: Web
Date Sent: 2022-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-04
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I am writing to dispute the following information in my file. I recently received a copy of my credit report and noticed there is an unauthorized credit inquiry made by the company XXXX XXXX XXXX XX/XX/2022 XXXX To my knowledge, i have not signed any documents authorizing the company in question to view my credit report. this listed inquiry was without authorization, and for no legitimate business reason. Finally, I am requesting that it will be removed immediately from my credit report according to the provisions of 612 ( 15 USC 1681 ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30274
Submitted Via: Web
Date Sent: 2022-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-04
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Im writing to dispute information on my credit report. This information, in my credit inquiries from this companies : XXXX XXXX XXXX, inquired on XXXX ; XXXXXXXX XXXX XXXX XXXX on XXXX ; XXXX, XXXX on XXXX ; XXXXXXXX XXXX XXXXXXXX, inquired on XXXX ; XXXX XXXX NA, inquired on XXXX ; XXXX XXXX on XXXX ; XXXX XXXX XXXX XXXX XXXX on XXXX ; XXXX XXXX inquired on XXXX ; XXXX XXXX XXXX, inquired XXXX XXXX ; XXXX BANK, inquired XXXX XXXX ; XXXX XXXX, inquired XXXX XXXX XXXX XXXX XXXX, inquired on XXXX ; XXXX XXXX inquired on XXXX ; XXXX XXXX, inquired XXXX XXXX ; XXXX XXXX XXXX, XXXX XXXX XXXX ; XXXX BANK, inquired on XXXX XXXX XXXX XXXX XXXX, inquired on XXXX XXXX XXXX XXXX XXXX, inquired on XXXX ; XXXX XXXX XXXXXXXX, inquired on XXXXXXXX XXXX XXXX XXXXXXXX,, inquired on XXXX ; XXXX is inaccurate because I did not request credit with them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20906
Submitted Via: Web
Date Sent: 2022-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-04
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I attempted to add the account number and routing number for an external bank account to my Citi account in order to make an ACH transfer from my Citi bank account to my external account. When I did this, I received error code " XXXX '' and a phone number to call to attempt to resolve the error code. I called the number and spent approximately 1 hour speaking to various representatives about this issue. I was told that due to a " maintenance issue '' I could not add an external account, but the maintenance would be done in 24-48 hours. After 48 hours, I attempted to add the external account to my Citi bank account. I received the same error. I called Citi again. Citi now stated that Citi has discontinued the ability to add external accounts using an account number and routing number. Citi stated that the only way to add external accounts was by using XXXX. Nevertheless, the ( non-functioning ) option to add external accounts using account numbers and routing numbers still exists on the website, and as an option in Citi 's terms and conditions. My external bank account does not support XXXX. Thus, I can not add this account using XXXX. Furthermore, the use of XXXX is prohibited by the terms of service of most banks, as it requires providing bank account logins to a third party service. I am therefore unable to access my funds in my Citi account! In order to access my funds, I also attempted to add my external account as a XXXX XXXX recipient ( as the external account is a brokerage, they are registered with Citi and appear in Citi 's system as an eligible payee ). When I attempt to do this, I also receive error code " XXXX ''. I was transferred to the fraud department to help resolve this issue. The ( nearly inaudible ) agent within the fraud department requested that I receive a verification phone call in order to verify my account. I could not do this as I was on the phone with Citibank. After some time, the agent stated that " my account was not eligible for servicing at this time, bye-bye '' and hung up. As it stands, the funds in my account are inaccessible. I need to add an external account, but every method to do so is broken. Despite this problem, I have been hung-up on repeatedly by customer service representatives. All I would like is to be able to transfer funds from my account electronically. The bank does offer wire transfers for a fee, but I refuse to pay the fee given that I should have access to electronic transfer methods with no fee.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60637
Submitted Via: Web
Date Sent: 2022-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-04
Issue: Getting a line of credit
Subissue:
Consumer Complaint: on XX/XX/22 a loan was processed in my name without my knowledge via my Citibank account. I was not aware, nor did I approve or sign for this loan. Citibank has acknowledge it is fraud and has provided documentation to dispute. The frauds also compromised my citibank checking bank accounts and stole {$1200.00}. This was all done virtually via my online citibank account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 207XX
Submitted Via: Web
Date Sent: 2022-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A