Date Received: 2024-01-18
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I opened a saving account to compliment my existing credit card of over twelve years at Citibank. I funded the account by linking my XXXX savings account. The Citibank account was in my name only. I needed to add my wife so I called and requested a beneficiary form. Upon receiving the form in the mail I learned that I could not designate primary and contingent beneficiaries, which was unacceptable to me. I then called the bank and asked for forms to add my wife as a joint account holder. This called was hindered by background noise and a speech clarity problem on their end. We were both constantly having to repeat each other. Then he asked to speak to my wife and began asking all kinds of questions and it was difficult to understand him. Out of frustration, I politely ended the call and decided I would just close this savings account. From what I can tell that triggered a fraud alert that they refuse to release. They have locked me out of online access and the phone app access. I have called the fraud dept and was transferred to a man who said I had to wait for a reference number coming by email. He said it was already sent. Then he said mail. I asked if he meant US mail. He said no, email. I said I didn't receive it and it is not in my spam folder and asked for it to be resent. He said I had to wait for it. This went back and forth and he just kept stating I had to wait for it. I insisted if it was sent I should have received it. I have not received the email. I have identified myself by answering all security questions properly. No one from Citibank has contacted me by my longstanding email and phone numbers of record about this issue. I have begged that they simply transfer the funds back to my linked saving account at XXXX. They refuse to do anything and appear to be stalling. I have at least eight calls into the bank on this and no one will release my funds. This fraud lock is the result of a process that I initiated. SOMEONE there should be able unlock my account and transfer MY funds to me. All I want is the funds in the account transferred to my linked XXXX Savings and my account and relationship with Citibank terminated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 853XX
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Complaint Citi bank double transferred money due to a " internal error ''. I opened a ticket with them asking for an letter to provide my bank and a refund on my overdraft and late fees. Citi has told me to go to a branch because they are unable to accomplish either of these things. The branch tells me to call customer service. This issue happened on XX/XX/2023. I was in the woods hunting for the first 10 days of the month. When I got back into phone signal I noticed all of this and contacted CITI right away. I opened a ticket with the back office and called weekly for a resolution - there was none. They continue to tell me to go into a branch. How can your complaint be satisfactorily addressed? I would at least like my late fees and overdraft fees refunded but I would really like a letter or some kind of acknowledgement that I can send to my bank that this was not my fault. I have NEVER missed a payment until now and it wasn't my fault. I didn't double transfer the money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 754XX
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I was unaware of a debt protection fee ( a 3rd party company from the Best Buy card through Citi Bank ) or remember ever signing up for one. Apparently the company got back to me saying I've been enrolled ever since XXXX and any of the amounts I was charged is non-refundable. The amount charged varies because of the revolving balance I've had throughout the years I've had a Best Buy card. I only have statements from one year ago ( XXXX XXXX - XXXX XXXX ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 435XX
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Credit monitoring or identity theft protection services
Subissue: Problem canceling credit monitoring or identify theft protection service
Consumer Complaint: I am writing to complain about CITIBANK, NA, who violated my privacy by providing my private information to a third-party debt collection agency. I am a consumer who has a credit card account with CITIBANK, NA. I received letters from a third-party debt collection agency, XXXX XXXX XXXX XXXX attempting to collect on a debt. I was surprised. I wrote to the debt collector and asked them to prove I owe them. They sent me private information and they obtained this from CITIBANK, NA. I am very concerned that CITIBANK, NA provided my private information to a third party without my consent. This is a violation of my privacy rights and the Fair Credit Reporting Act ( FCRA ). The FCRA prohibits credit reporting agencies from sharing consumer reports with third parties without the consumer 's consent. In addition to violating the FCRA, XXXXXXXX XXXX XXXX may have also violated the Gramm-Leach-Bliley Act ( GLBA ). The GLBA requires financial institutions to protect the privacy of their customers ' financial information. XXXXXXXX XXXX XXXX XXXXs disclosure of my private information to a third party without my consent may be a violation of GLBA. I am requesting that the CFPB investigate this matter and take appropriate action against CITIBANK NA. I am also requesting that the CFPB provide me with information about how to protect my privacy rights in the future. Thank you for your time and attention to this matter. Sincerely, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX Laws that CITIBANK, NA violated : Fair Credit Reporting Act ( FCRA ) Gramm-Leach-Bliley Act ( GLBA )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95123
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I opened a checking account with Citi on XX/XX/scrub>XXXX XXXX XXXX XXXXXX/XX/year> I deposited a check for {$1600.00}. The check was cleared and my new account balance was {$1600.00}. I never withdraw any money from the account while it was open. On XX/XX/year> I received a letter from Citi stating that my account had been closed and no reason was provided. Also, in that notice they advised that my account/funds were frozen. I have been calling them multiple times to get the balance on the account but their Fraud department is now handling the request. They argue that since the check deposited was issued from a Business, the business representative needs to call them to verify the check. The check issuer has called them more than 10 times and has verified the check. Today, Citi told me the check issuer needed to contact her bank, XXXX, to file for a Hold harmless claim. The check issuer talked to 6 different agents at XXXX and got the same answer from all of them : that XXXX can not file a Hold Harmless claimsince the check was already deposited and cleared in my Citi account. Its been more than 40 days since they closed my account and I have not received the refund for the balance on the account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: I have had a credit card with the Home Depot for the past 2 years 5 months and 16 days ... As of a few days ago they decreased my credit limit from {$10000.00} to {$3900.00}? Since I bought my house I had 2 major purchases from them with other purchases in between... The 1st major appliance I bought on XX/XX/XXXX from the Home Depot under a 12 month no interest purchase and they got me really good because I did not know any better and at the end of the 12 month I ended up paying the deferred interest and I did not make any complaints about it... Sucked it up and paid that deferred interest and didn't purchase anything else for over a year... My late payments are as follows on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. On XXXX of XXXX I seen a frig that I really wanted and decided to purchase it for the amount of {$3100.00} + warranty for {$310.00} for a no interest payments for 24 months. I was not crying when they over charged for {$6900.00} for 2 refrigerators and 2 warranties along with a no interest plan for 12 months. Which took one billing cycle to fix. They also charged me a double payment for their mistake? I have been a great consumer with Home Depot and I know that it is against the federal law to decrease ones credit...
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92530
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Please refer to Case # XXXX. I received a response about the {$1000.00} bonus. It stated that I met the terms and conditions of the bonus and that the {$1000.00} bonus would be paid by XX/XX/XXXX. It still has not been paid. I attached Citibank 's response dated XX/XX/XXXX that I would get the {$1000.00} bonus by XX/XX/XXXX. Please escalate this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10465
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: HOME DEPOT/CBNA, is in violation of multiple laws set forth by Congress in regards to the following account # 's ending in XXXX and XXXX. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( HOME DEPOT/CBNA. ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( HOME DEPOT/CBNA. ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, XXXX XXXX, XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. HOME DEPOT/CBNA., can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from HOME DEPOT/CBNA. for the cancelled debt 's of { { {$820.00} & XXXX } } in order to file as ordinary income. Where is my 1099-C? HOME DEPOT/CBNA. is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debts greater than { { {$600.00} } }. This is unsatisfactory! HOME DEPOT/CBNA. has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In HOME DEPOT/ CBNA. terms and conditions they agreed not to share my information with non affiliates. XXXX, XXXX XXXX AND XXXX are not affiliates of HOME DEPOT/CBNA. nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 150XX
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: Citibank like many other credit cards are offering cash back offers to incentivize customers to use their card to purchase from specific merchants. I've used this across many credit cards with little to no issues. Citibank is the outlier. There used to be a tab in the app and online that showed what programs you were enrolled in and what you had qualified for, that went away. I was signed up for a XXXX XXXX offer, that unfortunately did not take screenshots of, because I actually trusted them. I made the qualifying purchase, spent hours and hours on the phone arguing about it only to give up. I also signed up for a promotion to get {$30.00} back after spending {$350.00} in hotel purchases, never received this credit. I believe there is a systemic issue in their merchant offer programs. It's deceptive to say the least. I want an explanation as to why I can not track my cash back like I can with other credit cards and why I have to spend hours of my time trying to get an answer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80016
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6o2 states I have the right to privacy 15 USC 1681, section 6o4a section 2. It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b. A creditor may not treat a payment on a credit card account under an 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: CA
Zip: 91730
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A