Date Received: 2024-01-23
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: On XX/XX/2024 I tried to log into my mobile app and it said my account blocked to call customer service. I called customer service and they gave me the number of fraud prevention to solve the issue. Fraud prevention went through all verification and then mentioned they'll send a letter. This is the SECOND time I have had this issue with Citi fraud prevention. They use a third party system that sends out letters and not to the address that is on my Citibank account. Last time I was blocked for over two months and had to file a complaint with CFPB and Citi 's Executive response unit. I have made it clear to Citi Bank that I work for the XXXX and XXXX XXXX XXXX XXXX XXXX XXXX and do XXXX XXXX XXXX. I have filed an issue with Citi 's Executive response unit case number XXXX. I really need this review of my account done immediately and I get access to it because it is my primary account, salary account and I have a savings account and a Citi Priority client. I've attached proof of account block and last email chain with previous complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22406
Submitted Via: Web
Date Sent: 2024-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-23
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: Was sent a card I didnt apply for on XX/XX/24. Called the XXXX on the notice and they said they would open a case but were unclear as to whether the card has been activated or whether the account will be closed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 026XX
Submitted Via: Web
Date Sent: 2024-01-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-23
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: I received a XXXX XXXX XXXX Saying, " I'm calling in regards of a complaint scheduled to be filed out of XXXX XXXX ( MN ... never lived there ). If you have any questions or concern will be available to receive signed documents to your residence on XXXX XXXX XXXX ( again this is a client of mine XXXX XXXX XXXX XXXX located in MN ) you need to contact office immediately at tel # XXXX with case number XXXX. Speak with you today or they may move forward and make decision without your participation or consent you have been notified '' I spent over XXXX hours on the phone first with XXXX that called getting no real info & them telling me they only had limited info. told me it was a debt from XXXX with Citibank for {$1400.00}. I explained I never did biz with Citibank and they were ignorant saying if I wanted info I had to get served and go to court for info. The said they were with attorney XXXX XXXX XXXX in XXXX XXXX. I called there they were unaware of anything. I called Citibank ( XXXX the long tome on phone ) and they had no record of me. I'm concerned because the original collector has my SS # and my address and I am afraid of some type of fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85016
Submitted Via: Web
Date Sent: 2024-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-23
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Have been Citibank credit card customer for many years. Very satisfactory relationship. Having sold my home in XX/XX/XXXX I had significant funds and decided it would be sensible to entrust some of the sale proceeds with Citibank. On/about XX/XX/XXXX funded new Citibank savings account on line with {$100000.00}. These funds were transferred from my XXXX XXXX XXXX account. On/about XX/XX/XXXX added {$50000.00} to this Citibank savings account with funds transferred from my XXXX XXXX Checking account XXXX On XX/XX/XXXX received letter from Citibank saying they were unable to verify recent activity. At that time they placed new savings account in " restricted status ''. I received this letter on XX/XX/XXXX and immediately called. Citibank would give no reason for this restriction. During my 2 phone calls that day, Citibank told me they were reviewing the situation. On XX/XX/XXXX XXXX sent further letter advising they were terminating the savings account. This would be closed within 60 days from the date of that letter. I called several times to try to confirm what they were doing. At NO time has Citibank asked me for any additional information. Called Citibank on XX/XX/XXXX for update since the 60 day period was soon approaching. Was told by Citibank that a check for the entire balance in this savings account would be mailed USPS to my address of record on XX/XX/XXXX. When this check was not received by XX/XX/XXXX, I called Citibank to determine status. I was informed that ( 1 ) NO check had been sent and that ( 2 ) I was attempting to take funds NOT belonging to me and that Citibank would only send the funds to the actual account holder The Citibank employee called me a thief but not using that exact word. This Citibank employee then abruptly hung up the phone. After recovering somewhat from the shock at this news AND the employee rudeness, I called again this morning. At that time, I was informed that all access to my account was blocked from that Citibank employee. She suggested I go to a Citibank Branch and the closest branches are in the XXXX XXXX area ( some XXXX miles ) or XXXX XXXX ( XXXX XXXX XXXX ). This would be a real hardship. In summary, Citibank has determined that I am trying to steal money that I entrusted to them. They have NEVER contacted me via text or email concerning this. Their sole contact was in the 2 letters mentioned above. I am trying to get my money back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29403
Submitted Via: Web
Date Sent: 2024-01-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-23
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/2024 I noticed there was a number of transactions dating back from from the XX/XX/2024. These charges equaled {$3300.00}. All the payments were made to the same merchant. It also shows the merchant is outside of the county. I didnt recognize the charges so I called Citi bank to dispute. On XX/XX/2024 I received a letter stating that I am responsible for the charges and they wont issue a refund. How am I responsible for charges when I didnt even authorize them. I attached an example of said transaction
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60605
Submitted Via: Web
Date Sent: 2024-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-23
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I created an account with Citibank in XXXX. I made my first deposit from a check my mom wrote ( I had given her cash to put in her account ) on XX/XX/XXXX. The check cleared from her account ( I have check #, bank info, dates, images of check, etc. ). I received a letter from Citibank shortly after stating they were going to close my account for fraud ( NO CLUE WHY ). It said it would be closed within 60 days and the funds would be sent to me in a check. After 60 days went by without receiving the check, I called Citibank. I was told they couldn't do anything, that my mom 's bank needed to request the funds back. Long story short, my mom and I have both called Citibank fraud department SEVERAL times. We have still not received the funds. Either to my mom 's account or to mine. This needs to be resolved asap.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 760XX
Submitted Via: Web
Date Sent: 2024-01-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-23
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 XXXX XXXX I received a phone call from their I listen to a person for XXXX and a half hours and a new dept relief program. He stated his name was XXXX and I previously spoke with him before where I paid XXXX to get balance transfer cards and credit accounts transferred to new XXXX interst cards. He stated that it was a company called consumer credit group. All went well Later in XX/XX/ he called again stating that he was now in a different department promoting a new program DRP or debt relief program. I listened and after XXXX XXXX I was again convinced to participate. I was asked to pay XXXX to eliminate XXXX or more in credit card debt. He charged me but after that I was told to wait XXXX XXXX and on XX/XX/XXXX he would call to start eliminating process as long as I was current on all payments. I have really trusted this because we had felt with this program was legitimate. Well I was very much lied to because this person stopped contacting me and I tried to contact only to get a in known number or an operator service that is never answered by a operator but by the person I talked to to begin with.the numbers I have are consumer credit group XXXX. XXXX XXXX XXXX. XXXX. XXXX DRP. And XXXX. XXXX gave to me as a bew contact number. Now I filed XXXX disputes with XXXX different XXXX XXXX companies. XXXX XXXX XXXX, XXXX XXXX, and XXXX. Was of now XXXX XXXX XXXX and XXXX one has started investigating and refunded to monies. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. But XXXX XXXX budge I dont even feel that they have even conducted a proper investigation I sent a XXXX page hand written letter and after several calls about the dispute I was told they was scammed and they wont cover the XXXX transaction I have called again and again and XXXX XXXX be crooked now I was lied to please help me. XXXX XXXX. XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32726
Submitted Via: Web
Date Sent: 2024-01-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-23
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Today I recived an email saying my account will be closed in 60 do to a account violation. Where the specifc 's are not explain. I was informed that I violated the terms of your account per the client manual. With XXXX explination of what that violation was. This is one of my only checking accounts and I now feel TARGETED after thier action upon thier review.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 756XX
Submitted Via: Web
Date Sent: 2024-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-23
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 Best Buy Visa credit card issued by CITI Bank North America was used by person ( s ) unknown to me to make unauthorized purchases totaling over {$4600.00} between the period XX/XX/XXXXXXXX and XX/XX/XXXX. I disputed the fraudulent charges. However, Best Buy Credit Services is holding me responsible for a {$800.00} and {$1300.00} charge to an entity called XXXXXXXX XXXX that I did not make or authorize. During the same period that the fraudulent charges were made the thieves stole my identity contacted Best Buy and changed my home address and the billing statement language from English to XXXX. Copies of my billing statement for that period clearly shows the fraudulent address in XXXX XXXX, FL instead of my correct address in XXXX, FL. Currently the {$2100.00} charges I am being held responsible for have increased to {$2700.00} and is reported as delinquent with the three major credit reporting agencies ( XXXX. XXXX, XXXX XXXX ). Even though I did not lose my Best Buy Visa credit card, nor was it stolen, this is the second time the credit card was compromised. In XXXX someone made unauthorized charges to the credit card in the same manner the fraudulent charges were made in XXXXXXXX I am being billed for charges I did not make and because I refuse to pay thiI want to be reso is affecting my credit rating.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 336XX
Submitted Via: Web
Date Sent: 2024-01-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-23
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: Citi / AAdvantage Platinum Select World Elite Mastercard has misleading benefits. One of the benefits is " First checked bag free on XXXX XXXX domestic itineraries. '' I recently booked a flight on the XXXX XXXX website from XXXX to XXXX. The outgoing flight was an AA plane and I checked a bag. I was not charged for this. The return flight, even though I booked on the AA website, meaning it's an AA itinerary, was on XXXX. I was charge {$30.00} each for my and my partner 's first checked bag. The flight was based on an AA itinerary, so I'm not sure why I was charged. I called and messaged Citi to get the charges reversed. First I was told that I would get credited after the statement closed. I reached out after statement closing and they told me that my flight had a codeshare agreement with XXXX and therefore my benefit was not applicable. How am I or any other consumer supposed to know what the benefit actually is? I assumed that by booking on the AA website that my flight was an AA itinerary.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22003
Submitted Via: Web
Date Sent: 2024-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A