Date Received: 2024-01-07
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: On XX/XX/2024, I tried to access my Citibank account through making a withdrawal at an ATM. The process was denied by Citibank at their ATM. I tried at a different ATM and again found my accounts locked. I investigated on the Citibank website and found no information about my account being locked. I also saw no evidence of any unusual or fraudulent activity on my account. I had received no notifications about suspect activity, no fraud alerts, and no requests for any additional information or explanation about account activity by Citibank. The first time I learned of the problem was when I was not able to access my accounts. I called Citibank and was told that my accounts were locked and I could not access my checking or savings accounts. I spoke with " XXXX '' who refused to provide his last name, but he offered that his Citibank ID was " XXXX ''. XXXX told me that the department that had my account locked was Deposit Fraud and that they were closed. I was told that I would have to call back the following Monday to remove the lock. XXXX and the Citibank personnel I spoke to refused to unlock my account and to free my funds. They refused to tell me why my funds were locked. They refused to say how long they had been locked. I was locked out of my accounts without explanation and without opportunity to correct the issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94303
Submitted Via: Web
Date Sent: 2024-01-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-07
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: XX/XX/XXXX 1 year CD in amount of {$50000.00} matured. They were contacted by phone by myself at that time and told to issue a check for the balance which was {$50000.00}. I was told that I should receive the payment by mail in 10-15 days. No payment was received. XX/XX/XXXX ( approximately ) I contacted them again and told them I have not received the check. I confirmed my address and they said they would stop payment on check and issue another one and I would receive it in another 10-15 days. XX/XX/XXXX after not receiving anything I called again. They said they had the wrong address and they would start an investigation. They would not divulge what that address was only that it was wrong. It is impossible to believe as I have received monthly interest checks for this account for the last 12 months with no problem. Additionally all mail correspondences from Citibank have come to my correct address. They said they would stop payment and issue me another check. XX/XX/XXXX after not receiving anything I called and they said they would send out a third payment via XXXX expedited service and would get the check in 24-48 hours. XX/XX/XXXX I called again after not receiving anything and they said that they did not send out the payment with expedited service because they were dealing with the cancelled first two payments. Now they say they will again send out payment with expedited service and I would receive my check in 24-48 hours once again. XX/XX/XXXX after not receiving anything I called again. They said they had to check with the back-office to see where the check was. Once that was done, they would expedite 24-28 hrs. No check received. XX/XX/XXXX Called again. No check sent, still checking with back-office. Indicated it would take another 10-15 days from XX/XX/XXXX. Even though, they state they take " notes '' as to each phone call I make to them, they have not knowledge of previous service reps claiming any type of expedited service. Although they claim that each phone call is recorded, they never have the ability to go back and listen to what was said by the previous reps that I have spoken with. I have lost 2 months of interest on this money and I do not know if, when or at all I will ever receive my money from them. They repeatedly tell me to visit my local bank branch. I keep informing them that there are no local branches for Citibank here in AZ. In attempting to contact a manager at a local branch in New York I have called twice and left messages with no one ever getting back to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85614
Submitted Via: Web
Date Sent: 2024-01-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-07
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I am submitting a complaint and ask that you communicate with me directly within 15 days. I am a victim of predatorily lending practices regarding Citibank and Best Buy credit card. I am also being taken advantage of as a XXXX XXXX XXXX man. My wife and I submitted the attached letter and did hear back from a woman named XXXX from Best Buy corporate office on XX/XX/XXXXXXXX ( message attached ) and have called her back 3 times without speaking to her. I left detailed messages each time describing the fact that I would appreciate a call back as I would like to clear this matter as soon as possible. I have yet to hear back from her per phone call or email message that she said she'd send. XXXX XXXX/BEST BUY - Dispute letter XXXX Respecfully, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State:
Zip: 34135
Submitted Via: Web
Date Sent: 2024-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-07
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/ I went to my my rent, my debit card was declined. I knew something was wrong because that was my pay day. I checked my online banking and it said blocked on all 3 accounts. I had over {$1700.00} in my checking and exactly {$300.00} in my savings. I immediately called Citibank and the XXXX lady said she had no further information and that a letter was sent out, the money owed to me would have to be sent out by check but didnt know when. When I asked to speak to an account supervisor she hung up on me. I am a single mother with mouths to feed. No I have no money
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 387XX
Submitted Via: Web
Date Sent: 2024-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-07
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Macys/citi bank credit card company XX/XX/XXXX closed my account for the amount of XXXX . The amount was paid in store and my account was still closed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60644
Submitted Via: Web
Date Sent: 2024-01-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-07
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: In XX/XX/2021, I received a 30 day late payment from XXXX XXXX Department Store National Bank ) for my credit card. I was alerted via my credit report monitoring service. I immediately called XXXX and told them I never received a bill. They did an investigation and advised the bill was sent via first class mail and to check with my local post office. I met with my local post office and they advised they needed the tracking information. I went back to XXXX and asked for the tracking information, but XXXX said they didn't have any tracking information on the bill. I went back to the post office and they told me since XXXX did not attach any tracking, XXXX couldn't confirm if the mail was even sent to my address. The tracking information would have been verification the bill was sent and/or delivered. I called XXXX and told them the post office couldn't confirm they mailed the bill or if it was delivered. XXXX said to simply dispute it with the credit bureau. I disputed it with XXXX, XXXX, and XXXX. I just got the XXXX results of their investigation and it says the 30 day late notice was verified and correct. This is wrong because I never received a bill. Also XXXX stated they did not have any tracking information to verify they sent me a bill, so I don't understand how XXXX came back with a result to the investigation that the 30 day late notice was verified. I wasn't notified of the bill until I got an alert on my credit report for a late notice!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75104
Submitted Via: Web
Date Sent: 2024-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-07
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Macys/citi bank credit card company XXXX closed my account for the amount of XXXX . The amount was paid in store and my account was still closed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60644
Submitted Via: Web
Date Sent: 2024-01-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-07
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I attempted to log in to my account and transfer money to pay a bill via XXXX through my bank account. Their software would not allow me to transfer the funds via XXXX. I called multiple times trying to fix the problem and the customer service reps either did not know how to fix the problem or did not want to fix the problem. At XXXX point they transferred me to an XXXX person, but once that person understood that I had to use a XXXX when accessing my account online, the XXXX person had no interest in solving the problem and did not care that I was unable to use XXXX 's online service provided by my bank account. I am XXXX and do most of my business online via my XXXX computer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10028
Submitted Via: Web
Date Sent: 2024-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-07
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 have had a personal credit card through Citibank for several years. In late XXXX, Citi contacted me with a " fraud alert '' and after reviewing recent charges I found several fraudulent transactions. I reported these to Citi by phone and they began an internal " dispute process ''. Four of the 5 transactions I reported ( dated from XXXX ) were eventually resolved and refunded, with transaction amounts ranging from {$2.00} to {$49.00}. There was one transaction in a higher dollar amount that did not appear to get investigated or go through the normal dispute process : Date : XX/XX/XXXX Vendor : XXXX XXXX XXXX XXXX XXXX Account Number XXXX Amount : {$3400.00} This transaction is not listed in the dispute center and when I have tried to call Citi support about it they have hung up on me multiple times. I have tried to contact XXXX directly but they do not have any phone number published ; ultimately I was able to make contact via email and the company confirmed that neither my account nor my wife 's ( since we have both used XXXX to rent swimming pools ) created a transaction in that amount. I would expect Citi to issue a chargeback to XXXX or to otherwise escalate this issue with them, but they do not appear to have taken any action and Swimply no longer replies to my emails either. It's unclear to me as a consumer how I am supposed to handle a large, fraudulent charge like this on my credit card, and I believe I have exhausted the channels available to me through both my credit card issuer and the company making this charge. I'm confused by this whole situation and worried that I will be responsible for a giant charge that I did not accept. ( Note that even by XXXX standards, this is a large transaction. A typical amount would be $ XXXX {$200.00}, not {$3500.00}! ) Dear CFPB overseers- Please help me get this resolved ( either via Citi or XXXX ), so that I can get my money back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55105
Submitted Via: Web
Date Sent: 2024-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-07
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: XXXX XXXX XXXX Event was oversold, a safety hazard, delayed start and the tickets were not as described. Citi never sides with me and I had to reach out multiple times to the CFPB for them to give me a proper response. This time when they responded I was in XXXX XXXX and was unable to provide the evidence they required. I would like to be able to provide the evidence required so I can get a refund.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11375
Submitted Via: Web
Date Sent: 2024-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A