Date Received: 2022-12-04
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: On XX/XX/XXXXXXXX XXXX XXXX I attempted to withdrawal cash at an ATM inside a Citi Bank location. The attempt was blocked multiple times at the ATM, and while it presented no reason for the issue, it directed me to speak with a bank teller. The bank employee was unable to to withdrawal the cash, but was able to tell me a fraud hold had been placed on the card due to my attempts. I left without any withdrawals occuring that day, and I called Citi to confirm that it was myself who had attempted those withdrawals unsuccessfully and have the fraud hold removed. When I checked my account a few days later, I had been charged for a withdrawal of {$500.00} dollars and a subsequent {$25.00} fee. I called Citi again, was assured that charged would be reversed. Waited for a few days and this never happened. By the XXXX of XXXX I called Citi again, was told that the charge would be reversed again, and received a letter about a provisional return while the issue was resolved formally. Then comes my latest statement, with the charge put back on, fee put back on, and interest charged. On cash I never recieved. Today, XX/XX/XXXX, I spent a couple of hours trying to ask Citi employees to reverse this charge yet again. This time I was told flat out I was denied. Citi has decided to keep the money, because they decided I received it. What proof there is to conclude this, they refuse to provide. I beg to differ as phone records and video cameras from the bank on XX/XX/XXXX will show quite clearly otherwise.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60612
Submitted Via: Web
Date Sent: 2022-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-05
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Ive been a Citibank customer for over 2 years and keep a personal checking account and multiple business accounts with Citibank. I visit the XXXX XXXX XXXX branch on a weekly basis and everyone there knows me on a first name basis. Ive had millions in deposits and withdrawals over this time period. On XX/XX/2022. Citibank blocked and closed my Checking Account Number : XXXX and sent me the following letter : Dear XXXX XXXX, We periodically review customer accounts to assess the suitability of their banking relationship with Citibank. Pursuant to a recent review, it has been determined that we can no longer service your account ending XXXX. Based on this decision, we have taken steps to terminate your banking relationship ( s ) with Citibank, pursuant to the terms of the Citibank XXXX XXXX XXXX Accounts. Your account ( s ) are not restricted from any debits and certain credits ( including debit card purchases ) and will be closed within XXXX days from the date of this letter. There is a balance of XXXX in the account. I was originally told 15 days in branch and by the representative when I called the customer service hotline that day. Its now been more then 15 days since XX/XX/2022. I can not wait 60 days for the return of my funds and would like Citibank to immediately close my account down and issue me the cashiers check and formally file a complaint about this. Why is Citibank holding my money for 60 days?? The original timeline of 15 Days was annoying but acceptable. 60 Days is absolutely unacceptable and criminal. Im probably not the only person this is happening to and Citibank is probably making tens of millions of dollars holding the funds from blocked accounts set for closure for 60 days. I implore the OCC to please reach out to Citibank on my behalf and help resolve this issue to get Citibank to immediately close down my account and allow me to pick up my funds in a cashiers check in branch or have the check mailed to my address without any further delays. All the best, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90250
Submitted Via: Web
Date Sent: 2022-12-05
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: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 SC 1681 Section 604 A Section 2 : It also states a consumer agency cant furnish an account without mv written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under 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: GA
Zip: 30328
Submitted Via: Web
Date Sent: 2022-12-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-04
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 XXXX XXXX, As 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. 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: FL
Zip: 32114
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: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: O/A XX/XX/XXXX I contacted CITIBANK Costco indicating I was disputing accounting under the FCA/XXXX and to date I have not received any information in regards to that. XXXX XX/XX/XXXX I sent notification again to date have not received a reply. On the XXXX of XX/XX/XXXX I received a Summons from the law firm of XXXX XXXX XXXX XXXX indicating they are representing CITIBANK COSTCO and suing me. I believe CITIBANK COSTCO has not followed dispute procedures. XXXX XXXX XXXX XXXX has not identified to me previously either they were trying to collect a debit, is this company a debit collector?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89084
Submitted Via: Web
Date Sent: 2022-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-03
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Best Buy XXXX administered by XXXX XXXX incorrectly applied a late fee of {$29.00}. However, the payment was made timely, and the error was on their end to timely credit the payment. I send in a dispute and the response was they needed to speak with me ( attached ). I called today and they said they didn't know why I was calling and had no update on the dispute.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 905XX
Submitted Via: Web
Date Sent: 2022-12-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act Citi Bank NA 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. 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: GA
Zip: 30316
Submitted Via: Web
Date Sent: 2022-12-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: 15 USC 1681 Section 602 I have the right to Privacy. 15 USC 1681 Section 604 It also states a consumer furnish an account without my written instructions. 15USC 1666B A creditor may not treat a payment on a credit card or open-end consumer credit plan as late for any purpose
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33169
Submitted Via: Web
Date Sent: 2022-12-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-03
Issue: Fraud or scam
Subissue:
Consumer Complaint: I bank with XXXX XXXX XXXX in XXXX XXXX, South Dakota and I sent XXXX to the XXXX XXXX XXXX citibank location on friday, XX/XX/XXXX for a vehicle that was never delivered. The customers website was XXXX and the beneficiary name was XXXX XXXX XXXX. Their account number is XXXX Routing number is XXXX Reference number is XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SD
Zip: 57106
Submitted Via: Web
Date Sent: 2022-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Late payment showing on all three credit bureaus Amex/CBNA acct. XXXX XXXX XXXX XXXX XXXX Macys/CBNA XXXX XXXX XXXX Retail acct. # XXXX In violation of 15 usc1681 section 602 I have the right to privacy 15usc1681 section 2-It also states a consumer furnish an account without my written instructions 15 usc1666b A creditor may not treat a payment on a credit card and open-end consumer credit plan late for any purpose
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33023
Submitted Via: Web
Date Sent: 2022-12-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A