Date Received: 2024-01-13
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: My Citibank account has been compromised from XXXX XXXX. Balance is approximately {$4.00} XXXX. This is a single name account with NO authorized person 's. I'm a victim of Identity Theft/Fraud for the past 3 years. Otherwise known as takeover fraud/theft. All of my identifying information & legal documents were stolen from my house. All of my asset 's are technically blocked/erased/hacked by Cyber Criminals. These individuals originate out of XXXX and XXXX Florida. They are a group of people that have had XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They know things about me going back to my childhood. They know where I worked, names of friends & family, vacation destinations, home addresses, etc. I don't know them personally & I don't have any dealings business or otherwise in XXXX or XXXX Florida. My long standing bank accounts & brokerage accounts are currently not on XXXX XXXX under my name, Social Security number & birthdate. For example XXXX XXXX XXXXXXXX has {$7.00} XXXX, Citibank has {$4.00} XXXX & XXXX XXXX XXXX was approximately {>= $1,000,000} I have a list of names of people involved. They have threatened me, harassed me, XXXX me for the past years in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. It has continued here in XXXX. While I was in Texas I filed 10 police reports for Identity Theft/fraud, bank theft/fraud, credit card theft/fraud and death threats & several FBI Ic3 reports. Sheriff report filed in Florida XX/XX/XXXX. I believe the terminology used is " Erased '' Identity/takeover, Identity Theft/fraud. I've filed several complaints with the FTC, Ic3 FBI online systems, most recent : FTC XX/XX/XXXX ref # XXXX FTC XX/XX/XXXX ref # XXXX FBI XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX CA. 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: 34655
Submitted Via: Web
Date Sent: 2024-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-16
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have a Citibank Mastercard. A charge was put on my credit card for 2 months of subscription from a company called XXXX XXXX XXXX. I was on XXXX XXXX ordering physical things no problem. This company got a hold of my credit card information and charged me to subscription fees of {$54.00} each total {$100.00}. This started in XXXX. I called Citibank several times in XXXX, XXXX at least 15 times. They assured me I had nothing to worry about they were sending my complaint to their fraud and investigation department and the charge would be removed, .I called again they said they had closed my dispute in favor of the fraudulent company charge, They sent me 2-3 new credit cards so this company could not charge me any further. I dont have the charges to show you because they have removed it. I would call they would say it takes 90 days to investigate this charge I would call again they would say they would open a new dispute. On and on this went. In the mean time they said they would not charge me the {$100.00} they lied they have been withdrawing the money all along. I DID NOT RECEIVE ANYTHING NO SERVICE NO PRODUCT NOTHING. So I have now paid the {$100.00} and received NOTHING for it. I have argued and argued with them and they REFUSE to remove that charge. If this was a legit company I would receive SOMETHING would I not? They emailed me one time the name of the company. So I emailed them. They dont take phone calls they said email this address. The lady at the XXXX XXXX XXXX said she did not even know who I was! CITIBANK MC has lied to me over and over. I have NEVER had a cc company treat me this way they always remove the charge. I have never been told it takes 90 days and not listen to me at all, AGAIN why did I pay this XXXX when I NEVER received ANYTHING No service no product. I called MC again yesterday and canceled the credit card. They said that they had sent me documentation to some crazy email address that is not even mine. Ive had this credit card 16 years. This treatment is horrible and the fact they would not remove the {$100.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-16
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 am writing to file a formal complaint against Citi Bank for their handling of a dispute related to my Best Buy credit card. My issue involves a lost package from Best Buy, and the subsequent response from Citi Bank, which I believe is inadequate and fails to protect my consumer rights. On XX/XX/2023, I used my Citi Bank Best Buy credit card to make a {$140.00} purchase from Best Buy. Unfortunately, the package never arrived, and after following up with Best Buy, the issue remained unresolved. Expecting support from my credit card issuer, I reached out to Citi Bank to dispute the transaction due to non-receipt of goods. However, Citi Bank 's response was to direct me to contact the merchant ( Best Buy ) for resolution or to cancel the transaction. This advice is not only unhelpful but also disregards the protections I should be afforded under the Fair Credit Billing Act. As the credit card issuer, Citi Bank has a responsibility to intervene in such disputes, especially when the merchant fails to resolve the issue satisfactorily.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77038
Submitted Via: Web
Date Sent: 2024-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-16
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: Fraudulent Transaction, in my statement. Creditor informed me. I disputed the amount. Further, They have increased the interest charges upto 27 %. But I have been agreed to pay 6 % as introduced. previous balance in XXXX, was {$570.00}. They have increased the balance upto XXXX in XX/XX/XXXX. There were no transactioins since, made by me from XX/XX/XXXXto date. The Account has been closed.There was a Fraudulent transaction has made on XX/XX/XXXXXX/XX/XXXX for {$190.00} I objected and Disputed. I already have reported this case.with CFPB, on XX/XX/XXXXXX/XX/XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20874
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-16
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: Fraudulent Transaction, in my statement. Creditor informed me. I disputed the amount. Further, They have increased the interest charges upto 27 %. But I have been agreed to pay 6 % as introduced. previous balance in XXXX, was {$570.00}. They have increased the balance upto XXXX in XX/XX/XXXX. There were no transactioins since, made by me from XXXX to date. The Account has been closed.There was a Fraudulent transaction has made on XX/XX/XXXX, for {$190.00} I objected and Disputed. I already have reported this case.with CFPB, on XX/XX/XXXX. Case No. XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20874
Submitted Via: Web
Date Sent: 2024-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-17
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I am in dispute of your stated balance of {$530.00} on my credit card account XXXX. I have audited all sources of payments made on this account since inception. In summary, my account has successfully remitted {$870.00} to be applied toward a {$710.00} purchase. The terms of purchase included a 0 % finance fee if payback was completed in 18 months. Under the terms of the said agreement : XXXX. Citibank Visa is paid in full -- as agreed XXXX. Citibank Visa was overpaid by the sum of {$150.00} This letter will serve as an attempt to : XXXX. Collect a reimbursement of {$150.00} XXXX. Request Citibank Visa report to all credit bureaus the account is a. paid in full b. paid as agreed
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77433
Submitted Via: Web
Date Sent: 2024-01-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-17
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: XX/XX/XXXX Attn : Citibank Lending Services I requested a credit line increase for my account ending in XXXX and in a letter dated XX/XX/XXXX, I got notified that I was denied this request. Regardless of the reason for being denied, I have the right to credit, and denying me access to my credit is discrimination. Withholding my access to my securities is security fraud. You are violating the Federal Equal Credit Opportunity Act and Consumer Protection Credit Act. I have tried for days to look for an email address or mailing address to send this complaint to with Citibank. I contacted their customer service and they told me, if you were declined a credit increase, we would not have any access to help you by phone, in email, in writing, or in person. So, Citibank cant help with this? Thats why I am coming directly to the CFPB. Let me remind everyone involved of Citibanks lawsuit last Fall for discrimination. Obviously, this is a recurrent theme with Citibank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 81301
Submitted Via: Web
Date Sent: 2024-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-17
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX investigated this charge and found in my favor back in XXXX and now its appearing on other credit reports
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 195XX
Submitted Via: Web
Date Sent: 2024-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-16
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: according to my credit report best but cancelled my debt but it is still reflecting as debt. according to the IRS anytime a debt is cancelled it has to be filled as income on a 1099 c form. so based on what the IRS says it is income not debt. so my credit report is inaccurate. so there's inaccurate information on my credit report that needs to be removed. According to the FCRA my credit report has to be accurate and if its not it must be removed and if they don't they are breaking the law which I can sue. so I am asking best buy to remove this account off my credit report because it is inaccurate..The tax impact of debt forgiveness or cancellation depends on your individual facts and circumstances. Generally, if you borrow money from a commercial lender and the lender later cancels or forgives the debt, you may have to include the cancelled amount in income for tax purposes. The lender is usually required to report the amount of the canceled debt to you and the IRS on a Form 1099-C, Cancellation of Debt. There are several exceptions to the taxability of cancelled debt, such as insolvency or bankruptcy. according to the FRCA XXXX XXXX and XXXX must delete this information. Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85323
Submitted Via: Web
Date Sent: 2024-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-16
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: This is an appeal Hello, I am wtiting to appeal this false decision and these false accusations. Citi can not just falsely close someones accounts and ruin their life when they are the ones who reach out to make sure. I am a human being and this is someones life. I have been extremely patient and spent so much time but this is not a decision I will accept as 1. It is false and 2. It negatively affects my life. 3. Even the credit line management team acknowledged it was an error and verified indeed I called multiple time to get the disputes cancelled and make my account secure but indeed employees did not follow through. They said that in order to get the security risk removed and my XXXX Citibank credit cards reopened would be through you since they already handed it ofer to the executive response team. Please see important points below and please get my XXXX Citibank Credit Cards Reopened as soon as possible and this errored security risk flag removed as well. Thank you. 1. I used the charges specifically for Citibank as I get rewards from either the merchant or the bank for certain stores. 2. I personally inquired on why the charges were gone as some purchases just got bounced back and I was either not getting my stuff in the mail or services and subscriptions getting cancelled. 3. I am obviously an exemplary customer per one of your bankers due to my perfect payment history paying ahead of time and more than my full balance ( not even just the minimum payment ). 4. I was patient and took all the steps to get Citibanks error fixed and account reopened but no one is listening to me. Its as if they do not want to waste their time. For example the representative started the investigation in the evening XXXX and gave me a false generic response XXXX XXXXXXXX. She promised she will due her due diligence to help me but she did not. 5. Obviously my relationship has been great up until this error by Citibank due to your customer service or dispute team who did not follow through anything. My mistake for not documenting or getting reference numbers but of course that should still be on the representatives fault. 6. Instead of doing an internal root cause analysis for your company, you are closing someones XXXX accounts in error. 7. I specifically requested time and time again that if these are all online like you claim then remove this feature. However no one is willing to work with me. 8. I placed additional security on my phone, social, two factor authentications, and others and yet still no one is willing to work with me despite my over decade relationship with Citi that was positive until this errored incident by one of your team members or departments. 9. Time and time again multiple representstives have confirmed that I requested any disputes that were placed on my account be cancelled. Some maybe misheard me while others maybe heard me and did not follow through. 10. I have been very kind and patient this far but most people I spoke to were very short and slight me which I find unprofessional. Moreover they are giving me things from XXXX that were resolved unrelated to anything else and again notes that there was an error. 11. Instead of being rewarded for reaching out to clarify the charges aside from XXXX are mine, you are ruining my life to avoid doing a root cause analysis for your company. 12. I spent so much time and money including getting postage stamps and sending multiple letters, multiple emails, multiple phone calls, and multiple outreaches, yet no one is helping me. 13. Like I mentioned time and time again that I am willing to work with Citibank to have additional security measures more than I already have added that I mentioned to ensure the security of my account. 14. I have a longstanding relationship with Citibank and I am disheartened by this false error. This should not have happened. 15. You are sending me something from XXXX that was also an error removed and this obviously is unrelated to the mistake you made this year. XXXX. Even the credit line management team acknowledged it was an error and verified indeed I called multiple time to get the disputes cancelled and make my account secure but indeed employees did not follow through. They said that in order to get the security risk removed and my XXXX Citibank credit cards reopened would be through you since they already handed it ofer to the executive response team. 17. I am requesting the reopen of my XXXX ( XXXX ) Citibank credit cards immediately that were falsely closed in error and the reasons provided are all false and not true and remove this false security risk as this is more of an employee risk. Thank you. 18. I would like someone to reach out to me to get my XXXX Citibank Credit Cards reopened ( including the team who falsely closed it ). I would like communication by phone to notify me that my XXXX Citibank accounts were reopened and the errored security risk was removed. Thank you, and see letter attached please. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 951XX
Submitted Via: Web
Date Sent: 2024-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A