Date Received: 2024-01-11
Issue: Other transaction problem
Subissue:
Consumer Complaint: On XX/XX/XXXX, I made a wire transfer from my XXXX account to XXXX XXXX account with Citibank as the intermediary. Due to a typo there was an issue with the wire and it was returned by Citibank with {$40.00} missing. I reached out to XXXX who refunded all of my outgoing fees, but said this {$40.00} was an unauthorized fee by another bank. I reached out to XXXX, who never saw this wire and, therefore, said they are not a party to this transaction. I reached out to Citibank, who absolved themselves of any responsibility because they claimed to be only an " intermediary, '' and I am not their customer. After further research with XXXX and XXXX, they both confirmed that Citibank had taken this fee. Citibank has essentially stolen this money from me, and I would like it returned with interest. Proof of this is included as attachments.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94087
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-11
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I wanted to learn more about the credit limit increase so I clicked the link " Increase Credit Limit ''. The next thing that came up was " Thank you for your request. '' I did not want to request for one I wanted to learn about it. I did not submit any application and the request was denied. So now my credit score will drop against my will because I did NOT apply for a credit limit increase.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 776XX
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-12
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: Dear representative, I was scammed by XXXX XXXX. Found concert tickets on the XXXX website ( p. XXXX ), ordered tickets, and got a confirmation ( p XXXX ) : Youll receive an email with instructions and tickets from the original provider, not XXXX. Found tickets 2 times cheaper on XXXX XXXX. Tried to cancel the XXXX order, no cancellation only a sale on the same website. Tried to sell, but nothing to sell, tried to find from them where are the tickets and who is tickets provider, no result. A charge of {$830.00} appeared on my Citibank statement. Mailed dispute forms may to Citibank Government Services. Dispute forms were delivered on XX/XX/2023. Tracking # XXXX XXXX created a double scam ( p. XXXX ) : Send your tickets for sale, if you do not send charges will apply. A charge of {$300.00} appeared on my Citibank statement. Mailed dispute forms may to Citibank Government Services. Dispute forms were delivered on XXXX XX/XX/2023 Tracking # XXXX XXXX XXXX XXXX XXXX XXXX According to FTC regulation Within 30 days of getting your complaint, the issuer must acknowledge it in writing, unless the problem has been resolved.. https : //consumer.ftc.gov/articles/using-credit-cards-and-disputing-charges But the charge is still on my account. Please please help to correct this issue. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10467
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-11
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Our account has been compromised at CITI BANK for unauthorized wire transfer for {$20000.00} ( same day on XX/XX/XXXX ) i reported over the phone and not satisfied and went to our branch to complain they freezes all my accounts and till today no result as XXXX XX/XX/XXXX Every time i asked the Branch Manger she has no answer and my business is having issue. I am not satisfied with the bank treatment of not taking care of r this issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94066
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-11
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I have had the Citi Bank Costco Visa Card for 9 years. I have never missed a payment. I have built up a large credit line. On XX/XX/XXXX I logged in to my mobile app to find my account had been closed. I called customer service to try and understand why and they stated it was because of a missed payment. However, I never missed a payment with them. They stated that a credit bureau reported I missed a payment elsewhere. I reached out to all three credit agencies to try and understand where I missed a payment and there were no missed payments reported. I reached out to all credit products I have and there were no missed payments. I then called back Citi Bank and submitted a reopen request. They denied it because of a missed payment ( which never occurred ). I then submitted a second reopen request, to which they denied it based off of " substantional number of debts owed to other creditors. At this point I was so frustrated and fatigued I was ready to give up. I made my final payment and called to check on the status of my cash rewards on the card, totaling around {$2800.00} on the year which was to be issued to me following the closing of my XXXX statement. They told me that because my account is closed my rewards would not be issued to me. They stated I had exhausted all internal appeals processes. I feel that, because of my substantial rewards for the year, Citi invented a reason to close my account simply because they did not wish to pay my rewards. I want my account reopened and I want my rewards certificate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92626
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-11
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: in XXXX of XXXX i recieved a notice of a collection account with a balance of {$440.00} of principal, {$98.00} in interest and {$260.00} in fees for a total of {$800.00} was sold to XXXX XXXX XXXX XXXX. on XXXX connected to my name and information that is not mine. i disputed this with the debt collector as per the instructions on the letter stating the transaction is no longer owned by citibank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45044
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-11
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Incorrect and untimely billing statements : I currently receive paper bills from Macys, but I make payments online through my Macys account. I have noticed over the last year that my payment dates have been mixed up but thought maybe it was just me mixing up dates. In XXXX I received my paper statement from Macys with a payment due date of XX/XX/2024. I made a note of the due date and I went in to make a payment on XX/XX/2024 only to find that the due date showing online was XX/XX/2024, which caused confusion. This has happened multiple times over the last year which has caused me stress, late payments and incorrect credit reporting that I have made late payments. Macys needs to issue correct statements that match online and through mail. I typically shred my statements after I make note of the due date since I make payments online. These practices directly harm consumers who are already dealing with inflation. Paying late fees and getting incorrect credit reporting is very harmful. Please investigate this further and demand that Macys do the right thing and correct its billing statements and issue refunds to consumers who have been harmed with late fees and negative credit reporting.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91103
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-11
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I have a Wayfair account that is through Citibank credit card company. There was a balance on my account that I reported as fraud ( identity theft ) for a purchase that I did not make. I contacted the company ( Wayfair ) and also Citibank. They said they would look into it for me. Wayfair determined I did not make the purchase because I've always paid for whatever I ordered through them in a timely manner and my account balance is XXXX. Citibank shows on my XXXX report as saying the charge was accurate ( which is not true ) and they have refused to delete the charge which is killing my credit score. I have uploaded my Wayfair account to them but I do not trust them anymore. I have been a victim of identity theft in the past and it's not good and it's really hard to recover from that. I've been working so hard to get my credit back up and I try to make all my payments on time and pay things off as quickly as I can. I want my credit report score to be back over XXXX which it was prior to this fraudulent charge showing up on my name. Citibank is not doing a diligent job of accurately finding out what happened. I have not been given any proof that I made a purchase and have not seen a product for the price. I did not purchase any type of Internet service from XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-11
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: To whom it may concern, I am writing the complaint in regard to a dispute charge that had been denied. Original charge on my credit card is {$1500.00} on XX/XX/XXXX. I started the dispute on XX/XX/XXXX. My dispute had been denied by Citi Bank on XX/XX/XXXX. I disputed a charge by a fraudulent moving company, XXXX XXXX XXXX XXXX. They charge {$1500.00} for a service fee. I had provided evidence that I had asked the company to cancel the service. But the fraudulent moving company, XXXX XXXX XXXX XXXX, refused to refund my money back. I started the dispute but Citi Bank does not resolve my issue and still help the fraudulent moving company, XXXX XXXX XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 774XX
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-12
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: HELLO, Few days ago I received my credit report and I was amazed : I found bunch of unauthorized credit inquires on my credit report. They were in all 3 bureau report. looks like someone has my personal information and time to time requests credits on my name. As soon as I'm going to apply for mortgage I need that inquires to be removed from my reports. Other vise I will loose much time and money because mortgage lenders will decline my application for financing. I will list them below : XXXX. The inquiry was not authorized XXXX XXXX XXXX. Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. Please remove these inquires as I don't remember applying for anything. XXXX XXXX Date of inquiry : XXXX/XXXX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized CBNA Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX In accordance with the Fair Credit Reporting Act, I hereby request that these items be thoroughly investigated and promptly removed from my credit report. It is my understanding that you are required to verify this information with the creditor responsible for its inclusion. Should the creditor fail to provide verification, please proceed with the removal of said information. I am aware that, under 15 U.S.C. Sec. 1681i ( a ), you are obligated to complete this investigation within 30 days of receiving this letter. Thank you in advance : XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11209
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A